In review of the complaint received by [redacted], we have a sales order and credit application signed by [redacted] and [redacted] dated August 6, 2011. Due to non-payment, the account was written off to bad debt and reported to the three major credit bureaus as a Collections Account...
back on January 31, 2013. The account and all balance associated with it will remain the responsibility of Mr. and Mrs. [redacted]. Should you have any additional questions or concerns, please do not hesitate to contact us. *
[redacted] Assistant Manager Customer Care Department
In review of the complaint received by [redacted], we show that Ms. [redacted] is the Co-signor on the account with Mr. David [redacted]. We have an order that was signed on July 27, 2015. That order was verified as being correct on July 28, 2015. There are no notes on the account that either Mr. or...
Ms. [redacted] ever contacted us to mention any issue with the cookware. We do see that the account is currently two and a half payments past due with another payment due on June 6, 2016. The reason that our Credit Department is calling Mr. and Ms. [redacted] is due to the account being past due and calls will continue until the account is brought current or the account is forwarded to Collections for non-payment. Since the account is no longer within the allotted timeframe to cancel, the cancellation of the order can no longer be accepted. Should you have any additional questions or concerns, please do not hesitate to let us know. [redacted] Assistant Manager Customer Care Department
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.
[My view is they are charging me 11 times the amount debt, 357.85 x 11.375 = $4070.61 usd this is unfair, I would paid $100 for fee, I paid more than 70% of my account, now I have paid my total balance and I am not able to get the warranty because the financial company does not want to give me the paid in full note, be cause I have to pay $3712.76 usd. I want topay a 100 dollar more to get the paid in full, I need some warraty to my product, I just need the company help me to this. thank you]
Regards,
[redacted]
In review of the complaint received by Tania [redacted], we have reviewed the account and find it to be 3 payments past due with the current payment due on February 13, 2017. The last two payments that posted to the account were on 9/13/16 and on 12/2/16. In order to prevent the account from being...
reported as a Collections Account, we need to receive a minimum payment of $51 before the end of business day January 31, 2017. Should you have any additional questions or concerns, please do not hesitate to contact us. Arthur [redacted] Assistant Manager Customer Care Department
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.There is no way a business like this should be accredited by the Revdex.com. I've never encountered a company that did not have a return policy, especially for such an expensive product. Additionally, this is something that the sales representative probably should have let us know. I cannot find anywhere in the barely legible "contract" that says there are no returns. Like I said, one would assume, especially with a business that is accredited by the Revdex.com, that there is a standard 60-90 day return policy, like every other business out there. I have spoken with the distributor already and received tips (use low heat, make sure it's preheated) and there are still problems with the cookware. I have not even used this cookware for over 3 weeks and have had to purchase new cookware that actually works (which I can return if it does not). The cancellation policy is pointless since it does not even give the buyer a chance to try the product. I really wanted this cookware to be as good as it seemed, but it is not. Why would I have cancelled without getting the product that I wanted?
Regards,
[redacted]
The recorded call was listened to when Ms. [redacted] called to request the cancellation and nothing was mentioned to Ms. [redacted] that the cancellation would be accepted. The cancellation of the order is no longer within the timeframe, Ms. [redacted] will remain responsible for the account and any missed payments will be reported to the 3 major credit bureaus.
In review of the complaint received by [redacted] & [redacted], the notes on their account have been reviewed and back on March 5, 2013 we informed the customer that they would need to send all the 9ply cookware back to be worked under the recall, they refused to send the cookware because they...
would be left with nothing to cook. As a courtesy, a set of cookware was sent so that the [redacted]s would have something to cook with and they could send in their 10pc set to be exchanged under the recall. By no means was the replacement set going to be covered under the recall. Also in review of the notes on the account, on August 1, 2016, the [redacted]s spoke with a manager and came to an agreement that an eight inch skillet with cover and a 7pc bake ware set would be sent in lieu of the second 10pc set and Credit Voucher that was being asked of. That merchandise was shipped via UPS on August 2, 2016 and per UPS delivered on August 5, 2016. Since the agreed merchandise was shipped, this issue has be closed as resolved. Should you have any additional questions or concerns, please do not hesitate to let us know. [redacted] Assistant Manager Customer Care Department
In review of the complaint received by Janice P[redacted], we will have someone from our Customer Service Department who deals with warranty service contact Ms. P[redacted] to resolve this issue. Should you have any additional questions or concerns, please do not hesitate to contact us. Arthur...
D[redacted] Assistant Manager Customer Care Department
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.
I reject the answer, they make no sense, yes they have a contract but their policy is have 3days to cancel the order, well how can I cancel for something that I haven't received? They don't ship the items until 2-3weeks AFTER you sign? How can I cancel if I didn't receive the items? They do that on purpose so that the client cant cancel, they know their products is garbage and that's why they have established that policy. Their sales rep does not return phone calls, I believe they are also trained to not respond to customers. Consumer should be aware of the fraud with this company.
Regards,
[redacted]
[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.
Regards,
[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.Being so you ran my actual credit prior to an econsent which had credit been handled appropriately the fraud alert would not had been cleared. You did not have permission to run my credit ever however even so you ran it prior to the thieves game permission and you did not call the number on my fraud alert. You cannot legally obtain permission after the fact. Your dates do not reflect as they should if you handled this credit being issued appropriately, you did not clear the fraud alert per the indicator number on my actual file, and I have been given no proof that I myself requested credit and/or received credit ever. This is a fraudulent account and from statements given by your company you violated the FCRA on several occasions. This is being reported to Consumer Finance and the Attorney General.
Regards,
[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.
Clearly, City Dynamics only submitted part of the contract, just like they did when they sold us the vacuum, they only told us part of the picture. It is misleading to state that the interest is 2% per month and not list what the actual payment is with interest. The sales rep told us 2% and did not clearly show us the back of the contract. He was there for over four hours with his assistant and we were getting weary and tired. It is an annual percentage rate, not a monthly percentage rate that determines the payment and total cost of the vacuum cleaner, so just stating 2% as he did was misleading and false. Also, the Sales Order was not signed and the financing plan on the "Sales Order #4364561 states that the payment each month will be "approximately" $99. When we told him we could not afford that right now, they said they could defer it for 90 days. By stating that the contract finance payment was "approximate" and then the bill coming in the mail over a month later, the finance charges plus the full contract price of the vacuum cleaner were never disclosed. This voids the contract because the actual purchase price was not listed in the contract. By City Dynamics showing you part of the contract and not the entire contract, they are confirming their deceptive trade practices. If they were honest and up front they would have submitted both contracts to you in their entirety. There are 4 signatures missing from the sales contract, and you will note that there is not sales rep number on the contract. It is our position that the contract should be voided because the terms were not clear, it was missing the actual cost of the vacuum cleaner and 4 signatures.
Regards,
[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.
This company, even in their response, is disappointing. In their response they say my product is not shipped or warranted through their company, yet these are the exact words on my contract: "Your product is serviced and warranted by Hy Cite Enterprises, LLC....and the address to follow" This is ridiculous how they do not take responsibility for their actions. And even if I were to buy through a distributor they should be making sure their distributors follow their guidelines! Also, I do not need to hear about the 3 day cancellation as they always refer back to because that is not what I am complaining about. I am complaining about how I was deceived with all the issues in my original complaint. They do not want to acknowledge the poor business practice that I have experienced with them and that is terrible.
Regards,
[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.'I want to know if this is going to be resolve my concern, or I will see my self obligated to go to my local court house, the issue here is that the products are terrible and the price is very high for the poor quality. what I do not understand is how you can sign a contract when you have not been approved by the financing company, plus I paid down payment before "I got approved" then the products arrived a month after. This is ridiculous.Besides my house almost got burn down and my children are traumatized. you are putting so much excuses when you know this is not right. I want this contracts to be cancelled,mine and my wife, I need my money back and I do not want my credit to be harm. I am more than happy to return your products because I want them out of my house.
Regards,
[redacted]
In review of the complaint received by Abraham [redacted], we have a sales order and credit application signed by Vanessa [redacted] and Abraham [redacted] dated August 6, 2011. Due to non-payment, the account was written off to bad debt and reported to the three major credit bureaus as a Collections Account...
back on January 31, 2013. The account and all balance associated with it will remain the responsibility of Mr. and Mrs. [redacted]. Should you have any additional questions or concerns, please do not hesitate to contact us. Arthur [redacted] Customer Care Department
We understand Ms. [redacted]’s concern, however, by Ms. [redacted] signing the sales order, she was in agreement to the 3 business day cancellation policy that is on the sales order. Ms. [redacted] herself mentions that she did not use the merchandise until months after due to her moving. Again, if Ms. [redacted] feels that the merchandise is defective, we will stand behind the 50 year warranty that comes with the cookware and have the merchandise inspected and if the merchandise is defective, we will replace it at no additional cost. However, the cancellation of the order is no longer an option.
In review of the complaint received by [redacted] C. [redacted], we have a copy of a credit application and sales order that were signed on September 26, 2015 by Ms. [redacted] and Mr. [redacted]. We are including the bottom portion of the front of the credit application and the part on the reverse side of the...
credit application that breaks down the APR by state. The 24% APR that is being charged to the account is correct and since Ms. [redacted] and Mr. [redacted] signed the credit application, they agreed to the terms and conditions for the financing of the order. On the sales order that was signed by Ms. [redacted] and Mr. [redacted], the notice of cancellation states that the order is eligible for cancellation prior to midnight of the third business day after the order was signed. Since that timeframe has passed the account is no longer eligible for cancellation. Should you have any additional questions or concerns, please do not hesitate to let us know. [redacted] Assistant Manager Customer Care Department
[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.
Regards,
[redacted]
In review of the complaint received by Melanie [redacted], we show that Ms. [redacted] is the co-signor on the account with [redacted]. In review of their account, there are no notes that neither Ms. [redacted] nor Mr. [redacted] called to inquire about a remaining balance. The balance that Ms. [redacted] mentions...
was the balance that remained on the account after receiving a payment on December 28, 2015. On January 17, 2016 the account cycled and finance charges of $35.40 were accrued. Payment of $1719.20 was received on January 20, 2016, 3 days after the account cycled and finance charges were accrued. The balance of $35.40 will be good until February 17, 2016. Ms. [redacted] and Mr. [redacted] are responsible that balance and if full payment is not received by that day, additional finance charges will be accrued to the account. Should you have any additional questions or concerns, please do not hesitate to contact us. Arthur [redacted] Customer Care Department
We understand Ms. [redacted]’s concern, however the warranty period for the strainer has expired. The previous times the strainer was replaced, it was covered under the 2 year warranty. As of December 2015, the warranty on all non-motorized components had expired and in order to have the item replaced, a cost will be required.
In review of the complaint received by [redacted], we have a sales order and credit application signed by [redacted] and [redacted] dated August 6, 2011. Due to non-payment, the account was written off to bad debt and reported to the three major credit bureaus as a Collections Account...
back on January 31, 2013. The account and all balance associated with it will remain the responsibility of Mr. and Mrs. [redacted]. Should you have any additional questions or concerns, please do not hesitate to contact us. *
[redacted] Assistant Manager Customer Care Department
In review of the complaint received by [redacted], we show that Ms. [redacted] is the Co-signor on the account with Mr. David [redacted]. We have an order that was signed on July 27, 2015. That order was verified as being correct on July 28, 2015. There are no notes on the account that either Mr. or...
Ms. [redacted] ever contacted us to mention any issue with the cookware. We do see that the account is currently two and a half payments past due with another payment due on June 6, 2016. The reason that our Credit Department is calling Mr. and Ms. [redacted] is due to the account being past due and calls will continue until the account is brought current or the account is forwarded to Collections for non-payment. Since the account is no longer within the allotted timeframe to cancel, the cancellation of the order can no longer be accepted. Should you have any additional questions or concerns, please do not hesitate to let us know. [redacted] Assistant Manager Customer Care Department
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.
[My view is they are charging me 11 times the amount debt, 357.85 x 11.375 = $4070.61 usd this is unfair, I would paid $100 for fee, I paid more than 70% of my account, now I have paid my total balance and I am not able to get the warranty because the financial company does not want to give me the paid in full note, be cause I have to pay $3712.76 usd. I want topay a 100 dollar more to get the paid in full, I need some warraty to my product, I just need the company help me to this. thank you]
Regards,
[redacted]
In review of the complaint received by Tania [redacted], we have reviewed the account and find it to be 3 payments past due with the current payment due on February 13, 2017. The last two payments that posted to the account were on 9/13/16 and on 12/2/16. In order to prevent the account from being...
reported as a Collections Account, we need to receive a minimum payment of $51 before the end of business day January 31, 2017. Should you have any additional questions or concerns, please do not hesitate to contact us. Arthur [redacted] Assistant Manager Customer Care Department
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.There is no way a business like this should be accredited by the Revdex.com. I've never encountered a company that did not have a return policy, especially for such an expensive product. Additionally, this is something that the sales representative probably should have let us know. I cannot find anywhere in the barely legible "contract" that says there are no returns. Like I said, one would assume, especially with a business that is accredited by the Revdex.com, that there is a standard 60-90 day return policy, like every other business out there. I have spoken with the distributor already and received tips (use low heat, make sure it's preheated) and there are still problems with the cookware. I have not even used this cookware for over 3 weeks and have had to purchase new cookware that actually works (which I can return if it does not). The cancellation policy is pointless since it does not even give the buyer a chance to try the product. I really wanted this cookware to be as good as it seemed, but it is not. Why would I have cancelled without getting the product that I wanted?
Regards,
[redacted]
The recorded call was listened to when Ms. [redacted] called to request the cancellation and nothing was mentioned to Ms. [redacted] that the cancellation would be accepted. The cancellation of the order is no longer within the timeframe, Ms. [redacted] will remain responsible for the account and any missed payments will be reported to the 3 major credit bureaus.
In review of the complaint received by [redacted] & [redacted], the notes on their account have been reviewed and back on March 5, 2013 we informed the customer that they would need to send all the 9ply cookware back to be worked under the recall, they refused to send the cookware because they...
would be left with nothing to cook. As a courtesy, a set of cookware was sent so that the [redacted]s would have something to cook with and they could send in their 10pc set to be exchanged under the recall. By no means was the replacement set going to be covered under the recall. Also in review of the notes on the account, on August 1, 2016, the [redacted]s spoke with a manager and came to an agreement that an eight inch skillet with cover and a 7pc bake ware set would be sent in lieu of the second 10pc set and Credit Voucher that was being asked of. That merchandise was shipped via UPS on August 2, 2016 and per UPS delivered on August 5, 2016. Since the agreed merchandise was shipped, this issue has be closed as resolved. Should you have any additional questions or concerns, please do not hesitate to let us know. [redacted] Assistant Manager Customer Care Department
In review of the complaint received by Janice P[redacted], we will have someone from our Customer Service Department who deals with warranty service contact Ms. P[redacted] to resolve this issue. Should you have any additional questions or concerns, please do not hesitate to contact us. Arthur...
D[redacted] Assistant Manager Customer Care Department
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.
I reject the answer, they make no sense, yes they have a contract but their policy is have 3days to cancel the order, well how can I cancel for something that I haven't received? They don't ship the items until 2-3weeks AFTER you sign? How can I cancel if I didn't receive the items? They do that on purpose so that the client cant cancel, they know their products is garbage and that's why they have established that policy. Their sales rep does not return phone calls, I believe they are also trained to not respond to customers. Consumer should be aware of the fraud with this company.
Regards,
[redacted]
[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.
Regards,
[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.Being so you ran my actual credit prior to an econsent which had credit been handled appropriately the fraud alert would not had been cleared. You did not have permission to run my credit ever however even so you ran it prior to the thieves game permission and you did not call the number on my fraud alert. You cannot legally obtain permission after the fact. Your dates do not reflect as they should if you handled this credit being issued appropriately, you did not clear the fraud alert per the indicator number on my actual file, and I have been given no proof that I myself requested credit and/or received credit ever. This is a fraudulent account and from statements given by your company you violated the FCRA on several occasions. This is being reported to Consumer Finance and the Attorney General.
Regards,
[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.
Clearly, City Dynamics only submitted part of the contract, just like they did when they sold us the vacuum, they only told us part of the picture. It is misleading to state that the interest is 2% per month and not list what the actual payment is with interest. The sales rep told us 2% and did not clearly show us the back of the contract. He was there for over four hours with his assistant and we were getting weary and tired. It is an annual percentage rate, not a monthly percentage rate that determines the payment and total cost of the vacuum cleaner, so just stating 2% as he did was misleading and false. Also, the Sales Order was not signed and the financing plan on the "Sales Order #4364561 states that the payment each month will be "approximately" $99. When we told him we could not afford that right now, they said they could defer it for 90 days. By stating that the contract finance payment was "approximate" and then the bill coming in the mail over a month later, the finance charges plus the full contract price of the vacuum cleaner were never disclosed. This voids the contract because the actual purchase price was not listed in the contract. By City Dynamics showing you part of the contract and not the entire contract, they are confirming their deceptive trade practices. If they were honest and up front they would have submitted both contracts to you in their entirety. There are 4 signatures missing from the sales contract, and you will note that there is not sales rep number on the contract. It is our position that the contract should be voided because the terms were not clear, it was missing the actual cost of the vacuum cleaner and 4 signatures.
Regards,
[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.
This company, even in their response, is disappointing. In their response they say my product is not shipped or warranted through their company, yet these are the exact words on my contract: "Your product is serviced and warranted by Hy Cite Enterprises, LLC....and the address to follow" This is ridiculous how they do not take responsibility for their actions. And even if I were to buy through a distributor they should be making sure their distributors follow their guidelines! Also, I do not need to hear about the 3 day cancellation as they always refer back to because that is not what I am complaining about. I am complaining about how I was deceived with all the issues in my original complaint. They do not want to acknowledge the poor business practice that I have experienced with them and that is terrible.
Regards,
[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.'I want to know if this is going to be resolve my concern, or I will see my self obligated to go to my local court house, the issue here is that the products are terrible and the price is very high for the poor quality. what I do not understand is how you can sign a contract when you have not been approved by the financing company, plus I paid down payment before "I got approved" then the products arrived a month after. This is ridiculous.Besides my house almost got burn down and my children are traumatized. you are putting so much excuses when you know this is not right. I want this contracts to be cancelled,mine and my wife, I need my money back and I do not want my credit to be harm. I am more than happy to return your products because I want them out of my house.
Regards,
[redacted]
In review of the complaint received by Abraham [redacted], we have a sales order and credit application signed by Vanessa [redacted] and Abraham [redacted] dated August 6, 2011. Due to non-payment, the account was written off to bad debt and reported to the three major credit bureaus as a Collections Account...
back on January 31, 2013. The account and all balance associated with it will remain the responsibility of Mr. and Mrs. [redacted]. Should you have any additional questions or concerns, please do not hesitate to contact us. Arthur [redacted] Customer Care Department
We understand Ms. [redacted]’s concern, however, by Ms. [redacted] signing the sales order, she was in agreement to the 3 business day cancellation policy that is on the sales order. Ms. [redacted] herself mentions that she did not use the merchandise until months after due to her moving. Again, if Ms. [redacted] feels that the merchandise is defective, we will stand behind the 50 year warranty that comes with the cookware and have the merchandise inspected and if the merchandise is defective, we will replace it at no additional cost. However, the cancellation of the order is no longer an option.
In review of the complaint received by [redacted] C. [redacted], we have a copy of a credit application and sales order that were signed on September 26, 2015 by Ms. [redacted] and Mr. [redacted]. We are including the bottom portion of the front of the credit application and the part on the reverse side of the...
credit application that breaks down the APR by state. The 24% APR that is being charged to the account is correct and since Ms. [redacted] and Mr. [redacted] signed the credit application, they agreed to the terms and conditions for the financing of the order. On the sales order that was signed by Ms. [redacted] and Mr. [redacted], the notice of cancellation states that the order is eligible for cancellation prior to midnight of the third business day after the order was signed. Since that timeframe has passed the account is no longer eligible for cancellation. Should you have any additional questions or concerns, please do not hesitate to let us know. [redacted] Assistant Manager Customer Care Department
[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.
Regards,
[redacted]
In review of the complaint received by Melanie [redacted], we show that Ms. [redacted] is the co-signor on the account with [redacted]. In review of their account, there are no notes that neither Ms. [redacted] nor Mr. [redacted] called to inquire about a remaining balance. The balance that Ms. [redacted] mentions...
was the balance that remained on the account after receiving a payment on December 28, 2015. On January 17, 2016 the account cycled and finance charges of $35.40 were accrued. Payment of $1719.20 was received on January 20, 2016, 3 days after the account cycled and finance charges were accrued. The balance of $35.40 will be good until February 17, 2016. Ms. [redacted] and Mr. [redacted] are responsible that balance and if full payment is not received by that day, additional finance charges will be accrued to the account. Should you have any additional questions or concerns, please do not hesitate to contact us. Arthur [redacted] Customer Care Department
We understand Ms. [redacted]’s concern, however the warranty period for the strainer has expired. The previous times the strainer was replaced, it was covered under the 2 year warranty. As of December 2015, the warranty on all non-motorized components had expired and in order to have the item replaced, a cost will be required.