Ashro is puzzled by a number of aspects of Ms [redacted] accountMs [redacted] did not provide a credit card number when she placed her order on August 23, Ashro sent the first account statement to Ms [redacted] on August 27, Finance charges were not assessed on the account, however, until the next closing, on September 28, Ms [redacted] could have called and used her Visa card to pay the entire balance on her Ashro account at any time before September 28, and been charged $in finance chargesInstead Ms [redacted] waited until November 23, to make a payment on her account – three months after the account was opened and more than a month after the replacement dress was shipped to her home Ms [redacted] was clearly aware of the account before November of 2015, as she state in a telephone conversation on October 14, that she would “check what she ordered before making a payment.” Ashro spoke with Ms [redacted] again on November 10, November of and January of In all, Ashro spoke with Ms [redacted] on five separate occasions before she decided in February of that she had intended to pay for this order with her Visa card In the interest of resolving this complaint - and solely in the interest of resolving this complaint – Ashro has credited MsMartin’s account for the late fees and finance charges assessed since she made the one payment on her accountThese adjustments will appear on her next monthly billing statementMs [redacted] may then either pay the remaining balance in full or pay the account in accordance with the terms and conditions of the account agreement, including the assessment of finance charges and late fees
We received the correspondence from the Revdex.com regarding your Seventh Avenue account # [redacted] Under the TERMS of our credit plan you will find the ACCOUNT AGREEMENT information that states: PAYMENTS: Each month you must pay at least the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date shown on your monthly statementYour Minimum Monthly Payment is determined based on the highest new balance ("HNB") of your Account, in accordance with the table below or, if the HNB exceeds $2,400, then 3.34% of the HNBThe HNB is the highest principal balance of your Account since it was last paid in fullThis means that the Minimum Monthly Payment will not decrease unless your Account is paid in full, but we reserve the right to recalculate the HNB based on returned merchandise or Account adjustmentsWe can apply your payments to fees and charges or amounts financed in our sole discretion, subject to applicable lawPayments in excess of the minimum will not reduce future Minimum Monthly PaymentsWe appreciate your business and hope this information is helpful.Sincerely Seventh Avenue Thank you, [redacted] ***Customer Service
Ms*** was not pre-screened by Midnight Velvet, nor was she mailed a pre-approved credit offerMs [redacted] first order was held and she was notified that payment in full would be required before the order could be shippedMsBurch canceled that order and attempted to place a second order, which was also held
The companies cannot locate an account using the information provided in the complaintFurther, a review of bankruptcy court records indicates no case was filed in the District AZ from March 1, through May 31, under the name Judy Tracy Please provide additional information so the correct account can be located
Someone who has obtained Ms [redacted] personal information has used it on two occasions to attempt to open an account in her name with Montgomery WardMontgomery Ward does not have the ability to prevent this person from visiting its web site, entering Ms [redacted] information and using it to place an orderWard's does have the ability to prevent an account from being opened when such an attempt is madeIt is worth noting that neither attempt resulted in the shipment of merchandise or the opening of an account in Ms [redacted] nameFinally, the individual placing these orders is not using information obtained from Montgomery Ward, he or she is using information they already have to attempt to open an account in Ms [redacted] nameRemoving the information regarding previous attempts will not prevent the individual from making another attemptMore to the point, information from the first attempt helped to identify the second attempt as fraudulent more quickly
A request to delete the inquiry was sent to the consumer reporting agencies on 9/18/Please note that this is a request - Home at five does not have the ability to compel the agency to the comply
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thank you so much for your help It is sincerely appreciated Regards, [redacted]
An identity theft affidavit was sent to Ms [redacted] attention in January of The affidavit has not been returnedBased on the information currently available, the company has a reasonable basis for believing the account was opened by Ms [redacted] and that she is responsible for payment of the balance
We received the correspondence from the Revdex.com in regards to your order # [redacted] placed 12/7/via internet for two Entertainment/Learning TabletsWe are sorry for any confusion regarding your refundRefunds are most often returned in the same manner in which they are receivedThis would have occurred if the order had been paid in full with your cardYour order was credited when the tablets were no longer available and the refunded down payment amount was posted and would have been returned via refund check within seven to twenty one daysWhen we received your call 12/16/requesting the refund be returned to your card, we asked you to allow 24-hours to complete the transaction The refund was completed to your card on 12/16/with a reference # [redacted] In the interim, your request to your bank for the temporary credit also occurred This allowed your card to be credited twice Your bank sent us notice they had issued credit, which resulted in your refund account being charged $because in order to give you the temporary credit, your bank then charged usThe best course of action to amend this concern is to contact your bank, The 5th 3rd Bank of record, with the bank chargeback reference # VANTIV [redacted] to retract the transactionAs soon as this is completed your account balance should reflect a zero balanceWe regret any inconvenience, but appreciate the opportunity to explain.Montgomery Ward
We received the correspondence from the Revdex.com regarding your order # [redacted] placed on 10/29/Our records indicate that after speaking with you on 2/17/we mailed you a courtesy, pre-paid post office return labelOn 3/27/you contacted us and we again mailed to you a pre-paid post office return labelYour satisfaction is guaranteed and we will issue a credit to your account once you have boxed and returned the items to usWe hope this information is helpfulSincerely, Seventh Avenue
On June 20, an identity theft affidavit was mailed to Ms [redacted] attention at: [redacted] Montgomery Ward looks forward to receiving the completed affidavit and working with Ms [redacted] to resolve this issue
I will point out that the last name on the complaint is ***, not [redacted] The account at issue was coded as fraud on July 13, upon receipt of a dispute filed with ExperianThe deletion was confirmed in response to a second dispute received from Transunion on July 25,
Montgomery Ward has not prescreened Mr [redacted] for the purpose of extending an offer of creditMr [redacted] does not currently have a pre-approved credit limit with Montgomery WardAny order Mr [redacted] might place is subject to credit approval on an individual basisHe can check the status of an order at Wards.com
Seventh Avenue is unable to locate an account in Ms [redacted] 's name at the address she providedSeventh Avenue requests additional information from Ms [redacted] to allow it to locate the account at issue, which may include the full or partial account number, previous addresses and/or previous names
The disclosures included in the catalog sent to Ms [redacted] in the spring of included the following: TERMS: Your ability to obtain a credit account (“Account”) is conditioned on your meeting certain creditworthiness requirements that we have established for the AccountYou authorize us to obtain a consumer report on youWe may not provide an Account to you, or we may limit the amount of credit initially available to you, if you do not meet our creditworthiness requirementsAccount not available if we cannot verify information about you or if you cannot enter into a binding contract More importantly, the same provision is included in the terms and conditions disclosed to Ms [redacted] online when she placed her second order on July 30, Consumer's are required to agree to the terms and conditions of the account in order to complete their transaction using a Seventh Avenue credit accountThus, Ms [redacted] consented to the credit inquiry Finally, the Fair Credit Reporting Act allows a creditor to request a consumer credit report for the purpose of opening, maintaining or collecting on a credit accountEven without the specific consent, Seventh Avenue had a permissible purpose for requesting a consumer credit report in conjunction with Ms [redacted] ' request for an extension of credit
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] To Revdex.com The facts in the company's response is not trueIf they pulled my telephone call I made on Feb 14th 2017' they would find that my debit visa card was given to their rep and not the MasterCard as the company is stating in the responseThis company is lying.Thank you [redacted]
A letter was sent to Ms [redacted] s attention on January 3, 2017, explaining the permissible purpose for the credit inquiry that appears on her consumer credit report
The order identified in the correspondence attached to the complaint was not approved and no merchandise was shippedNo account has been opened in her name in conjunction with this orderSeventh Avenue will request deletion of the inquiry made on MsSpencer's credit report
Ashro is puzzled by a number of aspects of Ms [redacted] accountMs [redacted] did not provide a credit card number when she placed her order on August 23, Ashro sent the first account statement to Ms [redacted] on August 27, Finance charges were not assessed on the account, however, until the next closing, on September 28, Ms [redacted] could have called and used her Visa card to pay the entire balance on her Ashro account at any time before September 28, and been charged $in finance chargesInstead Ms [redacted] waited until November 23, to make a payment on her account – three months after the account was opened and more than a month after the replacement dress was shipped to her home Ms [redacted] was clearly aware of the account before November of 2015, as she state in a telephone conversation on October 14, that she would “check what she ordered before making a payment.” Ashro spoke with Ms [redacted] again on November 10, November of and January of In all, Ashro spoke with Ms [redacted] on five separate occasions before she decided in February of that she had intended to pay for this order with her Visa card In the interest of resolving this complaint - and solely in the interest of resolving this complaint – Ashro has credited MsMartin’s account for the late fees and finance charges assessed since she made the one payment on her accountThese adjustments will appear on her next monthly billing statementMs [redacted] may then either pay the remaining balance in full or pay the account in accordance with the terms and conditions of the account agreement, including the assessment of finance charges and late fees
We received the correspondence from the Revdex.com regarding your Seventh Avenue account # [redacted] Under the TERMS of our credit plan you will find the ACCOUNT AGREEMENT information that states: PAYMENTS: Each month you must pay at least the full Minimum Payment Due (Minimum Monthly Payment plus any past due amount) on or before the due date shown on your monthly statementYour Minimum Monthly Payment is determined based on the highest new balance ("HNB") of your Account, in accordance with the table below or, if the HNB exceeds $2,400, then 3.34% of the HNBThe HNB is the highest principal balance of your Account since it was last paid in fullThis means that the Minimum Monthly Payment will not decrease unless your Account is paid in full, but we reserve the right to recalculate the HNB based on returned merchandise or Account adjustmentsWe can apply your payments to fees and charges or amounts financed in our sole discretion, subject to applicable lawPayments in excess of the minimum will not reduce future Minimum Monthly PaymentsWe appreciate your business and hope this information is helpful.Sincerely Seventh Avenue Thank you, [redacted] ***Customer Service
Ms*** was not pre-screened by Midnight Velvet, nor was she mailed a pre-approved credit offerMs [redacted] first order was held and she was notified that payment in full would be required before the order could be shippedMsBurch canceled that order and attempted to place a second order, which was also held
The companies cannot locate an account using the information provided in the complaintFurther, a review of bankruptcy court records indicates no case was filed in the District AZ from March 1, through May 31, under the name Judy Tracy Please provide additional information so the correct account can be located
Someone who has obtained Ms [redacted] personal information has used it on two occasions to attempt to open an account in her name with Montgomery WardMontgomery Ward does not have the ability to prevent this person from visiting its web site, entering Ms [redacted] information and using it to place an orderWard's does have the ability to prevent an account from being opened when such an attempt is madeIt is worth noting that neither attempt resulted in the shipment of merchandise or the opening of an account in Ms [redacted] nameFinally, the individual placing these orders is not using information obtained from Montgomery Ward, he or she is using information they already have to attempt to open an account in Ms [redacted] nameRemoving the information regarding previous attempts will not prevent the individual from making another attemptMore to the point, information from the first attempt helped to identify the second attempt as fraudulent more quickly
A request to delete the inquiry was sent to the consumer reporting agencies on 9/18/Please note that this is a request - Home at five does not have the ability to compel the agency to the comply
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thank you so much for your help It is sincerely appreciated Regards, [redacted]
An identity theft affidavit was sent to Ms [redacted] attention in January of The affidavit has not been returnedBased on the information currently available, the company has a reasonable basis for believing the account was opened by Ms [redacted] and that she is responsible for payment of the balance
We received the correspondence from the Revdex.com in regards to your order # [redacted] placed 12/7/via internet for two Entertainment/Learning TabletsWe are sorry for any confusion regarding your refundRefunds are most often returned in the same manner in which they are receivedThis would have occurred if the order had been paid in full with your cardYour order was credited when the tablets were no longer available and the refunded down payment amount was posted and would have been returned via refund check within seven to twenty one daysWhen we received your call 12/16/requesting the refund be returned to your card, we asked you to allow 24-hours to complete the transaction The refund was completed to your card on 12/16/with a reference # [redacted] In the interim, your request to your bank for the temporary credit also occurred This allowed your card to be credited twice Your bank sent us notice they had issued credit, which resulted in your refund account being charged $because in order to give you the temporary credit, your bank then charged usThe best course of action to amend this concern is to contact your bank, The 5th 3rd Bank of record, with the bank chargeback reference # VANTIV [redacted] to retract the transactionAs soon as this is completed your account balance should reflect a zero balanceWe regret any inconvenience, but appreciate the opportunity to explain.Montgomery Ward
We received the correspondence from the Revdex.com regarding your order # [redacted] placed on 10/29/Our records indicate that after speaking with you on 2/17/we mailed you a courtesy, pre-paid post office return labelOn 3/27/you contacted us and we again mailed to you a pre-paid post office return labelYour satisfaction is guaranteed and we will issue a credit to your account once you have boxed and returned the items to usWe hope this information is helpfulSincerely, Seventh Avenue
This complaint is redundantPlease see response to complaint [redacted]
On June 20, an identity theft affidavit was mailed to Ms [redacted] attention at: [redacted] Montgomery Ward looks forward to receiving the completed affidavit and working with Ms [redacted] to resolve this issue
I will point out that the last name on the complaint is ***, not [redacted] The account at issue was coded as fraud on July 13, upon receipt of a dispute filed with ExperianThe deletion was confirmed in response to a second dispute received from Transunion on July 25,
Montgomery Ward has not prescreened Mr [redacted] for the purpose of extending an offer of creditMr [redacted] does not currently have a pre-approved credit limit with Montgomery WardAny order Mr [redacted] might place is subject to credit approval on an individual basisHe can check the status of an order at Wards.com
Seventh Avenue is unable to locate an account in Ms [redacted] 's name at the address she providedSeventh Avenue requests additional information from Ms [redacted] to allow it to locate the account at issue, which may include the full or partial account number, previous addresses and/or previous names
The disclosures included in the catalog sent to Ms [redacted] in the spring of included the following: TERMS: Your ability to obtain a credit account (“Account”) is conditioned on your meeting certain creditworthiness requirements that we have established for the AccountYou authorize us to obtain a consumer report on youWe may not provide an Account to you, or we may limit the amount of credit initially available to you, if you do not meet our creditworthiness requirementsAccount not available if we cannot verify information about you or if you cannot enter into a binding contract More importantly, the same provision is included in the terms and conditions disclosed to Ms [redacted] online when she placed her second order on July 30, Consumer's are required to agree to the terms and conditions of the account in order to complete their transaction using a Seventh Avenue credit accountThus, Ms [redacted] consented to the credit inquiry Finally, the Fair Credit Reporting Act allows a creditor to request a consumer credit report for the purpose of opening, maintaining or collecting on a credit accountEven without the specific consent, Seventh Avenue had a permissible purpose for requesting a consumer credit report in conjunction with Ms [redacted] ' request for an extension of credit
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] To Revdex.com The facts in the company's response is not trueIf they pulled my telephone call I made on Feb 14th 2017' they would find that my debit visa card was given to their rep and not the MasterCard as the company is stating in the responseThis company is lying.Thank you [redacted]
Today I received a bill for the merchandise that I never received Is this company for real I am not paying for merchandise I never got
A letter was sent to Ms [redacted] s attention on January 3, 2017, explaining the permissible purpose for the credit inquiry that appears on her consumer credit report
The order identified in the correspondence attached to the complaint was not approved and no merchandise was shippedNo account has been opened in her name in conjunction with this orderSeventh Avenue will request deletion of the inquiry made on MsSpencer's credit report