[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.
How can you say it is accurate when I have clearly pointed out that the information being reported to all three bureaus is not correct. Don't blame TransUnion on your inaccurate reporting. It is ultimately up to the furnisher to ensure correct information is being reported.
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.]
Better Business...
Bureau:
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]
The complaint does not include sufficient information to formulate a response. GrandPointe has not changed its name, therefore, there is no entity "formerly known as" GrandPointe.
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]
Seventh Avenue and Midnight Velvet will update the status of Ms. [redacted] account upon receipt of the remittances from the collection agencies handling the accounts. The companies will then include the updated account information in their regularly scheduled reporting to the consumer reporting...
agencies. If Ms. [redacted] has need of evidence that she settled the accounts she should contact the collection agencies directly and request letters of confirmation.
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]
Montgomery Ward has not prescreened Mr. [redacted] for the purpose of extending an offer of credit. Mr. [redacted] does not currently have a pre-approved credit limit with Montgomery Ward. Any order Mr. [redacted] might place is subject to credit approval on an individual basis. He can check the status of an...
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,
Lorraine [redacted]
Mr. [redacted] was allowed to make automated check (ACH) payments on his account until the second consecutive ACH payment was returned on August 13, 2015. Mr. [redacted] made subsequent payments in October and November 2015 using other forms of remittance. It is Seventh Avenue's position that it has a...
reasonable basis for refusing to allow Mr. [redacted] to make payments on his account via ACH. Nonetheless, as a courtesy to Mr. [redacted], Seventh Avenue has credited his account to remove the late payment fees assessed since August of 2015. This adjustment will appear on his next monthly billing statement.
Please post an addendum to our initial response: We apologize for any confusion. Fortunately, our One Step Ahead Customer Service, was able to locate the gift certificate information, and was in contact with you by phone. Your satisfaction is important to us and we...
appreciate the opportunity to be of service. Sincerely, One Step Ahead Thank you,[redacted]Customer Service
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.]I do not understand where the confusion and trouble is coming from. I have attached all documentation that supports my statements, and have again attached the confirmation that your company sent me indicating that my payment was accepted. So you do, in contrary to your own statement, have record of receiving payment from me for the balance on my account. Why it was never processed is not my concern, nor my responsibility. I did make a payment and received the automatically generated email confirming such payment was received. I am sick and tired of these games and will not consider the matter closed until I receive written confirmation in the mail that my account is closed with a $0 balance.
Regards,
[redacted]
Swiss Colony received an order and request for credit on March 12, 2015 via US Mail. The order was placed using a pre-printed order form addressed to Ms. [redacted] at [redacted]. The request for credit was not approved and the merchandise was not shipped....
Nonetheless, Swiss Colony received a request for credit initiated by the consumer and, therefore, does not believe there is sufficient basis to request deletion of the credit inquiry from Ms. [redacted]’s credit report.
[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]
The order identified in the correspondence attached to the complaint was not approved and no merchandise was shipped. No account has been opened in her name in conjunction with this order. Seventh Avenue will request deletion of the inquiry made on Ms. Spencer's credit report.
[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.] I have received a letter that the account has been closed and the free shipping label. The package will be shipped today. In the future I hope MidnightVelvet will change their policy and ask the consumer if they want credit. With credit fraud on the rise respect and consideration would be appreciated.
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]
Monroe & Main has spoken with an individual ([redacted]) who has indicated she will accept responsibility for payment of the account opened in Ms. [redacted] name. Monroe & Main cannot transfer legal responsibility for payment of an account on the basis of a telephone conversation. Michelle...
has, to date, failed to provide a signed, notarized letter agreeing to the transfer of the account to her name. As a result, Monroe & Main has sent an identity theft affidavit to Ms. Gardner for her to complete and return.
Monroe & Main will continue to work with Ms. Gardner to either complete the transfer of ownership of the account to Michelle or complete the identity theft investigation.
Finally, it is worth noting that a payment of $150 was received on the account on June 8, 2016.
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] seeks. Mr. [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...
60 days of the appearance of any alleged error on a billing statement. He never filed such a dispute with either company.
As stated in the Terms and Conditions of the credit agreement, “A FINANCE CHARGE will be imposed for a monthly billing cycle if the New Balance shown on the previous monthly statement is not paid in full by the due date shown on the previous statement”. During the time that Ms. [redacted] had paid on...
this account, finance charges equaling $15.95 had accrued. Once the customer had returned the merchandise beyond the return policy of 7 days, the account was credited for the merchandise amount of $169.95. Our records indicate that the customer had paid in a total amount of $120.00 and therefore is entitled to a refund equaling the difference of $77.10 which was mailed on 06/07/17.
[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.
How can you say it is accurate when I have clearly pointed out that the information being reported to all three bureaus is not correct. Don't blame TransUnion on your inaccurate reporting. It is ultimately up to the furnisher to ensure correct information is being reported.
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.]
Better Business...
Bureau:
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]
The complaint does not include sufficient information to formulate a response. GrandPointe has not changed its name, therefore, there is no entity "formerly known as" GrandPointe.
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]
Seventh Avenue and Midnight Velvet will update the status of Ms. [redacted] account upon receipt of the remittances from the collection agencies handling the accounts. The companies will then include the updated account information in their regularly scheduled reporting to the consumer reporting...
agencies. If Ms. [redacted] has need of evidence that she settled the accounts she should contact the collection agencies directly and request letters of confirmation.
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]
Montgomery Ward has not prescreened Mr. [redacted] for the purpose of extending an offer of credit. Mr. [redacted] does not currently have a pre-approved credit limit with Montgomery Ward. Any order Mr. [redacted] might place is subject to credit approval on an individual basis. He can check the status of an...
order at Wards.com.
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,
Lorraine [redacted]
Mr. [redacted] was allowed to make automated check (ACH) payments on his account until the second consecutive ACH payment was returned on August 13, 2015. Mr. [redacted] made subsequent payments in October and November 2015 using other forms of remittance. It is Seventh Avenue's position that it has a...
reasonable basis for refusing to allow Mr. [redacted] to make payments on his account via ACH. Nonetheless, as a courtesy to Mr. [redacted], Seventh Avenue has credited his account to remove the late payment fees assessed since August of 2015. This adjustment will appear on his next monthly billing statement.
Please post an addendum to our initial response: We apologize for any confusion. Fortunately, our One Step Ahead Customer Service, was able to locate the gift certificate information, and was in contact with you by phone. Your satisfaction is important to us and we...
appreciate the opportunity to be of service. Sincerely, One Step Ahead Thank you,[redacted]Customer Service
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.]I do not understand where the confusion and trouble is coming from. I have attached all documentation that supports my statements, and have again attached the confirmation that your company sent me indicating that my payment was accepted. So you do, in contrary to your own statement, have record of receiving payment from me for the balance on my account. Why it was never processed is not my concern, nor my responsibility. I did make a payment and received the automatically generated email confirming such payment was received. I am sick and tired of these games and will not consider the matter closed until I receive written confirmation in the mail that my account is closed with a $0 balance.
Regards,
[redacted]
Swiss Colony received an order and request for credit on March 12, 2015 via US Mail. The order was placed using a pre-printed order form addressed to Ms. [redacted] at [redacted]. The request for credit was not approved and the merchandise was not shipped....
Nonetheless, Swiss Colony received a request for credit initiated by the consumer and, therefore, does not believe there is sufficient basis to request deletion of the credit inquiry from Ms. [redacted]’s credit report.
[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]
The order identified in the correspondence attached to the complaint was not approved and no merchandise was shipped. No account has been opened in her name in conjunction with this order. Seventh Avenue will request deletion of the inquiry made on Ms. Spencer's credit report.
[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.] I have received a letter that the account has been closed and the free shipping label. The package will be shipped today. In the future I hope MidnightVelvet will change their policy and ask the consumer if they want credit. With credit fraud on the rise respect and consideration would be appreciated.
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]
Monroe & Main has spoken with an individual ([redacted]) who has indicated she will accept responsibility for payment of the account opened in Ms. [redacted] name. Monroe & Main cannot transfer legal responsibility for payment of an account on the basis of a telephone conversation. Michelle...
has, to date, failed to provide a signed, notarized letter agreeing to the transfer of the account to her name. As a result, Monroe & Main has sent an identity theft affidavit to Ms. Gardner for her to complete and return.
Monroe & Main will continue to work with Ms. Gardner to either complete the transfer of ownership of the account to Michelle or complete the identity theft investigation.
Finally, it is worth noting that a payment of $150 was received on the account on June 8, 2016.
See Attached
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] seeks. Mr. [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...
60 days of the appearance of any alleged error on a billing statement. He never filed such a dispute with either company.
As stated in the Terms and Conditions of the credit agreement, “A FINANCE CHARGE will be imposed for a monthly billing cycle if the New Balance shown on the previous monthly statement is not paid in full by the due date shown on the previous statement”. During the time that Ms. [redacted] had paid on...
this account, finance charges equaling $15.95 had accrued. Once the customer had returned the merchandise beyond the return policy of 7 days, the account was credited for the merchandise amount of $169.95. Our records indicate that the customer had paid in a total amount of $120.00 and therefore is entitled to a refund equaling the difference of $77.10 which was mailed on 06/07/17.