[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 11989481, and find that this resolution is satisfactory to me Regards, Thomas [redacted]
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 When I received the response to my original claim I accidentally said I agreed with the findings The findings were inconclusive because I put my current address on the claim The account where the charge was placed was my old address [redacted] [redacted] *** I never ordered anything fun Ashro it Colony Brands They (Ashro) sent a pre approved catalog to my old addressand someone made purchases that I was unaware of until I saw my credit reportI contacted Ashro, to protect my credit, I said I would pay this account off and they agreed to have it removed from my credit reports It is still showing on my credit reportsI did open a new Revdex.com claim with the [redacted] address.Thank you for your time and attention to this matter Regards, [redacted]
Ms[redacted] has established accounts with Swiss Colony affiliates Ginny's and Montgomery WardMs [redacted] placed an order with Ginny's in July that exceeded her available credit limitGinny's requested a copy of her consumer credit report to determine if additional credit could be extended to herIn response, Ginny's received the following:FRAUD VICTIM EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRAGinny's informed Ms [redacted] by mail that additional credit could not be extended unless she contacted the company regarding the orderMs [redacted] placed also an order with Montgomery Ward in July and received the same messageThere is no indication Ms [redacted] contacted either company to resolve the fraud alertWhen Ms [redacted] placed orders with Swiss Colony in December, the fraud alert remained in effect and she received the same message she had received previouslyThe letter specifically asks that she personally contact the company to resolve the consumer alert so that her order can be releasedMs [redacted] did not contact Swiss Colony and the orders have not been releasedMs [redacted] 's accounts have been closed in accordance with her request
Colony Brands offers its apologies to Mr [redacted] for any inconvenience he may have experienced as a result of this matterCreditors are required by law to establish reasonable policies and procedures to prevent and mitigate identity theft and other forms of fraudPurchase velocity (the frequency with which credit purchases are made) is one of the measures creditors use to detect and prevent possible fraudThe companies with which Mr [redacted] has accounts share purchase data for this purpose, so that multiple purchases from related companies in a short amount of time can result in orders being held as potentially fraudulentSince this is a fraud prevention application that is governed by an algorithm, credit agents are not able to override the hold and release ordersIt appears that Mr [redacted] called in on June 9, and was advised that his best course of action is to wait 10-days before placing another order
An identity theft affidavit was sent to Ms [redacted] 's attention on 8/31/As stated previously, GrandPointe will investigate this matter further upon receipt of additional information from Ms [redacted]
The payment Ms [redacted] made on January 6, was directed by the payment service to another account with a zero balanceThe payment was refunded via check on January 13, The refund check was returned to Seventh Avenue on February 17, The payment will be applied to Ms***'s accountAs a courtesy, Seventh Avenue has credited Ms***'s account to remove late payment fees and finance chargesThese adjustments will appear on her next monthly billing statementNo information regarding the account has been furnished to a consumer reporting agency
We received the correspondence from the Revdex.com in regards to your order # [redacted] placed 12/1/via mailWe are sorry you were disappointed with your gift choices Every effort is made to provide the best service and highest quality possibleDescriptions of our products in the catalog and online reflect an accurate narrative of color, size and priceThe photographs display the actual gift packages in order to help the customer visualizeSupplemental information regarding style, materials and special instructions are also included, or you may speak with our friendly customer service representatives if there are any special questions or concerns with the quality of the product receivedOur records indicate we have served you satisfactorily since Regretfully we had not heard from you prior the complaint to the Revdex.comWe are forwarding your concerns to the departments involved for their additional review and considerations We have as a courtesy credited your order in full, you will note the credit of $on your next billing statementWe are in the process of removing your name from our mailing listingPlease allow six to eight weeks for the entire process to be completedYou may discard any catalogs received in the interim We appreciate the opportunity to explain and sincerely wish you a full recoverySwiss Colony
We received the correspondence from the Revdex.com in regards to your order # [redacted] place 4/11/via internetWe are sorry for any disappointment with the processing of your returns for credit to your account Our company carefully inspects all returns and documents defects so we can improve our products and processes for youRegretfully, an error occurred upon entry which delayed the full credit to your orderReturns are processed in a timely manner, during a standard business week, Monday - FridayInformation allows us to process and log into our systems for replacements or credit to our customers’ accounts according to their directionThis information is then forwarded to our customers via email to notify them we have received the item and it will process shortlyAlthough tracking a return may indicate an item has been received, the entire process can take from seven to twenty one days We appreciate your calling this to our attention and apologize for any inconvenienceYour account currently reflects a zero balanceWe look forward to serving you better in the near futureSincerely, Ginny’s
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] II gave a different card with a different ending number its obvious they didn't listen to the phone call I made.I am done with this company and all of their other companies I am going to close all five accounts under the company name of colony.I amAAlso going to remove my email address on all accounts I don't want any further contact re this matter with this companyI am done!!!!!!!!!!!!!!!!!!!!!!
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 Again, the Montgomery Ward/Seventh Ave Creditors offers an issue that is irrelevant to the request Question: What does having a medical issue/disability which may or may not have been acquired before credit was established with this company, have to do with establishing suitable arrangements of payments? It was never stated that the money would not be paid back It was requested that lower terms be established without penalty Does Montgomery Ward/Seventh Avehave any questions on their credit application asking individuals if they have a disability or issues prior to establishing credit with themThe answer would be No! That is against the lawSo, why would they make the following comment: "Whatever financial constraints Ms***' injury and forced retirement may have placed on her were already in place when she opened her Montgomery Ward account."Example of a Hypothetical Application Question: Montgomery Ward/Seventh Ave: (Asks an applicant) Do you declare any disabilities prior submitting this credit application If you do, you may or may not be approved.2.Montgomery Ward/Seventh Ave - "As stated previously, Wards is willing to make adjustments to accommodate consumers who have experienced sudden, unforeseen changes in their financial condition."What defines a sudden change? My sudden change was also compounded when I took on the expenses of my brother's sudden death that resulted in be providing maximum funds for his burial That also took a toll on my income and ability to pay the debt in a timely manner.3.Montgomery Ward/Seventh Ave - "As a result, her request to modify her payment plan was declined"The modification was declined on the merits of Montgomery Ward/Seventh Ave's own request They are the ones who suggested that I furnish all of the information as proof that I was in a hardship status, not me I furnished every document in which they requested and they continued to ask for additional documents as I provided each one They then began to make the request more and more difficult and improbable as I granted their requests one by one They gave the impression that I would not be able to come up with the requested documents, but I did anywayFinally, after running out of requests, they simply denied the modification I even furnished names of all the customer service providers in which I spoke withThere should not have been any denial during this process.4.Montgomery Ward/Seventh Ave - Finally, as stated previously, Ms***' account has been referred to a collection agency, Any and all payments on the account should be directed to the collection agency.Ever since I began this process, Montgomery Ward/Seventh Ave - quickly placed this account in a collection status, which was not in one prior to my complaint They seemed to want to quickly get rid of me as opposed to working with me or establishing a viable solution Regards, [redacted] ***
None of the companies named by Ms [redacted] has ever referred collection accounts to American Medical RetrievalFurther, none of the companies named allows collection agencies collecting on their behalf to furnish information to the consumer reporting agenciesNone of the companies sells its accounts to debt buyersTherefore, the only account information appearing on a consumer credit report would be the original trade lines from Swiss Colony, Country Door, and Monroe & MainPlease note that each of the companies furnished a date of first delinquency of November, and stopped actively reporting the accounts in If account information continues to appear on a credit report from one or more of the consumer reporting agencies, Ms [redacted] should file an on-line dispute with the agency that compiled the report
We received the correspondence from the Revdex.com regarding your order # [redacted] placed 8/8/via internetWe are sorry for any confusion regarding your account balance We promptly credited your account 8/24/for the Asymmetrical Top upon the receipt of your return Shipping and processing is not automatically credited which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind, or the item did not fitOur guarantee is located online under Customer Service or on the order blank in the center of the catalog and states: “If any item, for any reason, does not meet your expectations, just return it to us within daysSimply tell us your preference, and we’ll gladly refund your merchandise amount, credit your account, or issue a replacement.” Additionally, the top was returned using the Smart Label return option at a cost of $to be applied to your account when returnedThis information is clearly labeled prior to the removal for return and is a much appreciated customer convenience We are sorry to have disappointed a first time customer and have as a courtesy, credited the original shipping and processing, the Smart Label return option, as well as finance charges and late feePlease allow twenty four to seventy two hours for your account to reflect a zero balanceWe apologize for any inconvenience or disappointment, but appreciate the opportunity to explainSincerely, Monroe & Main
Midnight Velvet sent an order acknowledgement to the email address included on the orderNone of the other information on the order matches Mr [redacted] personal information - the order was not shipped to his address and he will not be billed for the orderMidnight Velvet will remove the email address from the order record
We apologize for any misunderstandings or delay, but are aware our liaison was able to reach you Thursday, October 1st A confirmation email of the order would have been received Friday October 2, Your order has processed and is estimated to ship approximately October 23, Your satisfaction is of the utmost importance to us and we apologize for any inconvenience this may have caused Sincerely, Montgomery Ward
We received the correspondence from the Revdex.com in regards to your order #171075-placed 5/20/via internetWe are sorry for any confusion regarding the return of the Gisele Jacket Dress and charges and credits to your account We promptly credited your account upon the receipt and processing of your return for $on 7/2/2015, even though it was beyond the return policy guidelines Shipping and processing is not automatically credited which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind, or the item did not fit Our guarantee is listed on the order blank in the center of the catalog or online under Customer Service/Help and states: “All items come with a money-back guarantee [redacted] only if returned within days of invoice date You may request a full [redacted] merchandise refund or exchange (if available) The refund or credit amount does not include the original shipping charges or the return shipping charges.” Your order was returned using the Smart Label Option at a cost of $to be applied to your account when returnedThis convenience is offered to our customers and allows them to return easily by dropping at the post office without waiting in line or just giving to their postman This information is clearly labeled on the form supplied prior to the removal of the label Unfortunately, payment on account had not been received in accordance with the terms and conditions of the Credit Agreement This initiated finance charges and a late fee to accrue on the accountWe have as a courtesy credited your order for the original shipping and processing of $plus the Smart Label of $ We have also requested to have the late fee and finance charges to also be removed from your account Your account will reflect a zero balance within the next twenty four to forty eight hours We regret any inconvenience, but appreciate the opportunity to explain Sincerely, Ashro
Neither Ginny's nor The Swiss Colony is required by the Fair Credit Billing Act, or any other federal statute, to provide the attestation Mr [redacted] seeksMr [redacted] had the right under the FCBA to dispute all or any portion of his account balance by providing a written notice of dispute within days of the appearance of any alleged error on a billing statementHe never filed such a dispute with either company
Ms [redacted] had a fraud alert on her credit file at the time she opened her Ginny's and Seventh Avenue accountsThe companies' records indicate she was contacted in September of to verify her identity before the accounts were approvedIt is the companies' position that Ms [redacted] opened the accounts and is responsible for payment of the balancesFurther, the companies' believe the information furnished to the consumer reporting agencies accurately reflects the payment history and current status of the accounts
Montgomery Ward regrets any inconvenience Ms [redacted] may have experienced as a result of this matterMs [redacted] charge card payments were processed in the same manner as all other payments received by Montgomery WardThe payments submitted by Ms [redacted] on April and April 17, were processed successfullyAll other payments were returned by Montgomery Ward's payment processor with a code stating "Do not honor." Unfortunately Montgomery Ward is unable to provide any additional information regarding the declined paymentsAs a courtesy, Montgomery Ward has credited Ms [redacted] account to remove all late payment feesSince the account was paid in full on May 20, 2015, the credit balance of $created by this adjustment will be refunded to Ms [redacted]
Mr [redacted] opened his Home at Five account in April of with a purchase of just under $The payment plan for Home at Five required a minimum payment of $on a balance up to $and 5% of the Highest New Balance above $Mr [redacted] made regular payments of $for approximately one year before he made a second purchase on his accountThis purchase created a new high balance that exceeded $and increased his payment to $Mr [redacted] failed to make the required minimum payment in the first month after his new purchase, resulting in a late payment feeMr [redacted] resumed making regular payments, but failed to make the required payment in November of and February, March, June, September, November and December of 2016, resulting in the imposition of additional late payment fees As a courtesy to Mr [redacted] , Home at Five has credited his account to remove all late payment feesThis adjustment will appear on his next monthly billing statement and will bring his account currentIf Mr [redacted] wishes to pay his account in full he will need to commit to making regular, timely payments equal to or greater than the minimum payment due
[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 11989481, and find that this resolution is satisfactory to me Regards, Thomas [redacted]
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 When I received the response to my original claim I accidentally said I agreed with the findings The findings were inconclusive because I put my current address on the claim The account where the charge was placed was my old address [redacted] [redacted] *** I never ordered anything fun Ashro it Colony Brands They (Ashro) sent a pre approved catalog to my old addressand someone made purchases that I was unaware of until I saw my credit reportI contacted Ashro, to protect my credit, I said I would pay this account off and they agreed to have it removed from my credit reports It is still showing on my credit reportsI did open a new Revdex.com claim with the [redacted] address.Thank you for your time and attention to this matter Regards, [redacted]
Ms[redacted] has established accounts with Swiss Colony affiliates Ginny's and Montgomery WardMs [redacted] placed an order with Ginny's in July that exceeded her available credit limitGinny's requested a copy of her consumer credit report to determine if additional credit could be extended to herIn response, Ginny's received the following:FRAUD VICTIM EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRAGinny's informed Ms [redacted] by mail that additional credit could not be extended unless she contacted the company regarding the orderMs [redacted] placed also an order with Montgomery Ward in July and received the same messageThere is no indication Ms [redacted] contacted either company to resolve the fraud alertWhen Ms [redacted] placed orders with Swiss Colony in December, the fraud alert remained in effect and she received the same message she had received previouslyThe letter specifically asks that she personally contact the company to resolve the consumer alert so that her order can be releasedMs [redacted] did not contact Swiss Colony and the orders have not been releasedMs [redacted] 's accounts have been closed in accordance with her request
Colony Brands offers its apologies to Mr [redacted] for any inconvenience he may have experienced as a result of this matterCreditors are required by law to establish reasonable policies and procedures to prevent and mitigate identity theft and other forms of fraudPurchase velocity (the frequency with which credit purchases are made) is one of the measures creditors use to detect and prevent possible fraudThe companies with which Mr [redacted] has accounts share purchase data for this purpose, so that multiple purchases from related companies in a short amount of time can result in orders being held as potentially fraudulentSince this is a fraud prevention application that is governed by an algorithm, credit agents are not able to override the hold and release ordersIt appears that Mr [redacted] called in on June 9, and was advised that his best course of action is to wait 10-days before placing another order
An identity theft affidavit was sent to Ms [redacted] 's attention on 8/31/As stated previously, GrandPointe will investigate this matter further upon receipt of additional information from Ms [redacted]
The payment Ms [redacted] made on January 6, was directed by the payment service to another account with a zero balanceThe payment was refunded via check on January 13, The refund check was returned to Seventh Avenue on February 17, The payment will be applied to Ms***'s accountAs a courtesy, Seventh Avenue has credited Ms***'s account to remove late payment fees and finance chargesThese adjustments will appear on her next monthly billing statementNo information regarding the account has been furnished to a consumer reporting agency
We received the correspondence from the Revdex.com in regards to your order # [redacted] placed 12/1/via mailWe are sorry you were disappointed with your gift choices Every effort is made to provide the best service and highest quality possibleDescriptions of our products in the catalog and online reflect an accurate narrative of color, size and priceThe photographs display the actual gift packages in order to help the customer visualizeSupplemental information regarding style, materials and special instructions are also included, or you may speak with our friendly customer service representatives if there are any special questions or concerns with the quality of the product receivedOur records indicate we have served you satisfactorily since Regretfully we had not heard from you prior the complaint to the Revdex.comWe are forwarding your concerns to the departments involved for their additional review and considerations We have as a courtesy credited your order in full, you will note the credit of $on your next billing statementWe are in the process of removing your name from our mailing listingPlease allow six to eight weeks for the entire process to be completedYou may discard any catalogs received in the interim We appreciate the opportunity to explain and sincerely wish you a full recoverySwiss Colony
We received the correspondence from the Revdex.com in regards to your order # [redacted] place 4/11/via internetWe are sorry for any disappointment with the processing of your returns for credit to your account Our company carefully inspects all returns and documents defects so we can improve our products and processes for youRegretfully, an error occurred upon entry which delayed the full credit to your orderReturns are processed in a timely manner, during a standard business week, Monday - FridayInformation allows us to process and log into our systems for replacements or credit to our customers’ accounts according to their directionThis information is then forwarded to our customers via email to notify them we have received the item and it will process shortlyAlthough tracking a return may indicate an item has been received, the entire process can take from seven to twenty one days We appreciate your calling this to our attention and apologize for any inconvenienceYour account currently reflects a zero balanceWe look forward to serving you better in the near futureSincerely, Ginny’s
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] II gave a different card with a different ending number its obvious they didn't listen to the phone call I made.I am done with this company and all of their other companies I am going to close all five accounts under the company name of colony.I amAAlso going to remove my email address on all accounts I don't want any further contact re this matter with this companyI am done!!!!!!!!!!!!!!!!!!!!!!
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 Again, the Montgomery Ward/Seventh Ave Creditors offers an issue that is irrelevant to the request Question: What does having a medical issue/disability which may or may not have been acquired before credit was established with this company, have to do with establishing suitable arrangements of payments? It was never stated that the money would not be paid back It was requested that lower terms be established without penalty Does Montgomery Ward/Seventh Avehave any questions on their credit application asking individuals if they have a disability or issues prior to establishing credit with themThe answer would be No! That is against the lawSo, why would they make the following comment: "Whatever financial constraints Ms***' injury and forced retirement may have placed on her were already in place when she opened her Montgomery Ward account."Example of a Hypothetical Application Question: Montgomery Ward/Seventh Ave: (Asks an applicant) Do you declare any disabilities prior submitting this credit application If you do, you may or may not be approved.2.Montgomery Ward/Seventh Ave - "As stated previously, Wards is willing to make adjustments to accommodate consumers who have experienced sudden, unforeseen changes in their financial condition."What defines a sudden change? My sudden change was also compounded when I took on the expenses of my brother's sudden death that resulted in be providing maximum funds for his burial That also took a toll on my income and ability to pay the debt in a timely manner.3.Montgomery Ward/Seventh Ave - "As a result, her request to modify her payment plan was declined"The modification was declined on the merits of Montgomery Ward/Seventh Ave's own request They are the ones who suggested that I furnish all of the information as proof that I was in a hardship status, not me I furnished every document in which they requested and they continued to ask for additional documents as I provided each one They then began to make the request more and more difficult and improbable as I granted their requests one by one They gave the impression that I would not be able to come up with the requested documents, but I did anywayFinally, after running out of requests, they simply denied the modification I even furnished names of all the customer service providers in which I spoke withThere should not have been any denial during this process.4.Montgomery Ward/Seventh Ave - Finally, as stated previously, Ms***' account has been referred to a collection agency, Any and all payments on the account should be directed to the collection agency.Ever since I began this process, Montgomery Ward/Seventh Ave - quickly placed this account in a collection status, which was not in one prior to my complaint They seemed to want to quickly get rid of me as opposed to working with me or establishing a viable solution Regards, [redacted] ***
Ms [redacted] will need to identify the company and the account number in order for her complaint to be investigated
None of the companies named by Ms [redacted] has ever referred collection accounts to American Medical RetrievalFurther, none of the companies named allows collection agencies collecting on their behalf to furnish information to the consumer reporting agenciesNone of the companies sells its accounts to debt buyersTherefore, the only account information appearing on a consumer credit report would be the original trade lines from Swiss Colony, Country Door, and Monroe & MainPlease note that each of the companies furnished a date of first delinquency of November, and stopped actively reporting the accounts in If account information continues to appear on a credit report from one or more of the consumer reporting agencies, Ms [redacted] should file an on-line dispute with the agency that compiled the report
We received the correspondence from the Revdex.com regarding your order # [redacted] placed 8/8/via internetWe are sorry for any confusion regarding your account balance We promptly credited your account 8/24/for the Asymmetrical Top upon the receipt of your return Shipping and processing is not automatically credited which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind, or the item did not fitOur guarantee is located online under Customer Service or on the order blank in the center of the catalog and states: “If any item, for any reason, does not meet your expectations, just return it to us within daysSimply tell us your preference, and we’ll gladly refund your merchandise amount, credit your account, or issue a replacement.” Additionally, the top was returned using the Smart Label return option at a cost of $to be applied to your account when returnedThis information is clearly labeled prior to the removal for return and is a much appreciated customer convenience We are sorry to have disappointed a first time customer and have as a courtesy, credited the original shipping and processing, the Smart Label return option, as well as finance charges and late feePlease allow twenty four to seventy two hours for your account to reflect a zero balanceWe apologize for any inconvenience or disappointment, but appreciate the opportunity to explainSincerely, Monroe & Main
Midnight Velvet sent an order acknowledgement to the email address included on the orderNone of the other information on the order matches Mr [redacted] personal information - the order was not shipped to his address and he will not be billed for the orderMidnight Velvet will remove the email address from the order record
We apologize for any misunderstandings or delay, but are aware our liaison was able to reach you Thursday, October 1st A confirmation email of the order would have been received Friday October 2, Your order has processed and is estimated to ship approximately October 23, Your satisfaction is of the utmost importance to us and we apologize for any inconvenience this may have caused Sincerely, Montgomery Ward
We received the correspondence from the Revdex.com in regards to your order #171075-placed 5/20/via internetWe are sorry for any confusion regarding the return of the Gisele Jacket Dress and charges and credits to your account We promptly credited your account upon the receipt and processing of your return for $on 7/2/2015, even though it was beyond the return policy guidelines Shipping and processing is not automatically credited which is a common practice in the catalog industry when a product is returned because the customer didn’t like the product or changed his or her mind, or the item did not fit Our guarantee is listed on the order blank in the center of the catalog or online under Customer Service/Help and states: “All items come with a money-back guarantee [redacted] only if returned within days of invoice date You may request a full [redacted] merchandise refund or exchange (if available) The refund or credit amount does not include the original shipping charges or the return shipping charges.” Your order was returned using the Smart Label Option at a cost of $to be applied to your account when returnedThis convenience is offered to our customers and allows them to return easily by dropping at the post office without waiting in line or just giving to their postman This information is clearly labeled on the form supplied prior to the removal of the label Unfortunately, payment on account had not been received in accordance with the terms and conditions of the Credit Agreement This initiated finance charges and a late fee to accrue on the accountWe have as a courtesy credited your order for the original shipping and processing of $plus the Smart Label of $ We have also requested to have the late fee and finance charges to also be removed from your account Your account will reflect a zero balance within the next twenty four to forty eight hours We regret any inconvenience, but appreciate the opportunity to explain Sincerely, Ashro
Neither Ginny's nor The Swiss Colony is required by the Fair Credit Billing Act, or any other federal statute, to provide the attestation Mr [redacted] seeksMr [redacted] had the right under the FCBA to dispute all or any portion of his account balance by providing a written notice of dispute within days of the appearance of any alleged error on a billing statementHe never filed such a dispute with either company
Ms [redacted] had a fraud alert on her credit file at the time she opened her Ginny's and Seventh Avenue accountsThe companies' records indicate she was contacted in September of to verify her identity before the accounts were approvedIt is the companies' position that Ms [redacted] opened the accounts and is responsible for payment of the balancesFurther, the companies' believe the information furnished to the consumer reporting agencies accurately reflects the payment history and current status of the accounts
Montgomery Ward regrets any inconvenience Ms [redacted] may have experienced as a result of this matterMs [redacted] charge card payments were processed in the same manner as all other payments received by Montgomery WardThe payments submitted by Ms [redacted] on April and April 17, were processed successfullyAll other payments were returned by Montgomery Ward's payment processor with a code stating "Do not honor." Unfortunately Montgomery Ward is unable to provide any additional information regarding the declined paymentsAs a courtesy, Montgomery Ward has credited Ms [redacted] account to remove all late payment feesSince the account was paid in full on May 20, 2015, the credit balance of $created by this adjustment will be refunded to Ms [redacted]
Mr [redacted] opened his Home at Five account in April of with a purchase of just under $The payment plan for Home at Five required a minimum payment of $on a balance up to $and 5% of the Highest New Balance above $Mr [redacted] made regular payments of $for approximately one year before he made a second purchase on his accountThis purchase created a new high balance that exceeded $and increased his payment to $Mr [redacted] failed to make the required minimum payment in the first month after his new purchase, resulting in a late payment feeMr [redacted] resumed making regular payments, but failed to make the required payment in November of and February, March, June, September, November and December of 2016, resulting in the imposition of additional late payment fees As a courtesy to Mr [redacted] , Home at Five has credited his account to remove all late payment feesThis adjustment will appear on his next monthly billing statement and will bring his account currentIf Mr [redacted] wishes to pay his account in full he will need to commit to making regular, timely payments equal to or greater than the minimum payment due