Seventh Avenue has contacted Ms. Galbraith directly and resolved her concerns. Seventh Avenue offers its apologies for any inconvenience Ms. Galbraith may have experienced in making her March and April payments.
Seventh Avenue has contacted Ms. [redacted] directly and will send her return labels. The account opened in her name will be closed as fraudulent. No information regarding the account has been furnished to the consumer reporting agencies. Seventh Avenue will request deletion of the credit inquiry from Ms. [redacted] credit file.
Payment in the amount of $25 posted on 7/12/17, returned on 7/14/17. Payment posted on 8/9/17, returned on 8/14/17. The $25 entries Ms. [redacted] refers to were not returned payment fees, they were the reversal of the credits to her account for the dishonored payments. Swiss Colony did not assess returned payment fees or late payment fees in conjunction with either returned payment.
Ms. [redacted] enrolled in the automatic payment service offered by Ginny's, Seventh Avenue, Swiss Colony and Montgomery Ward in December of 2015 using an account ending in 7540. As part of the enrollment Ms. [redacted] made the scheduled payments due on or before January 5, 2016. Ms. Whalen's automated...
payments for February and March of 2016 were successfully processed. On April 1, 2016, Ms. [redacted] made an internet payment on her accounts using the same card she used to enroll in the automatic payment service. As a result, the automated payments for April 5, 2016 were not processed. On April 30, 2016 Ms. [redacted] again made an internet payment on her accounts, using a different account than the one she used to enroll in the automated payment service. Once again, the automatic payments scheduled for May 5, 2016 were not processed.
The companies attempted to process the payments due on June 5, 2016, using the card Ms. [redacted] designated when she enrolled it automated payment service. The transaction was refused.
On June 8, 2016, Ms. [redacted] made internet payments on her accounts using an account ending in 7832 and designated that as the account to be used for future automated payments.
On June 13, 2016 Ms. [redacted] made payments on each of her accounts using a different account from the one designated for automatic payments.
Finally, Ms. [redacted] has not been assessed a late payment fee on any of her accounts as a result of this matter.
Montgomery Ward told me they couldn't send me a letter that this matter is closed. When all I wanted was a letter of confirmation that this order was closed and no further action would have to be addressed. I now have documentation that in case something was to arise, I have something to go back on and give to my Detective that's working on my fraud case.
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]
We received the correspondence from the Revdex.com in regards to your order #[redacted] place 4/11/2016 via internet. We 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 you. Regretfully, an error occurred upon entry which delayed the full credit to your order. Returns are processed in a timely manner, during a standard business week, Monday - Friday. Information allows us to process and log into our systems for replacements or credit to our customers’ accounts according to their direction. This information is then forwarded to our customers via email to notify them we have received the item and it will process shortly. Although 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 inconvenience. Your account currently reflects a zero balance. We look forward to serving you better in the near future. Sincerely, 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.I reject this because I never opened another account and did not tell them to this. Because I received a invoice with a zero balance. Therefore I should not be liable for there mistake. They admitted that it was there mistake, so why am I paying for there mistake. That why I disagree with there response.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
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 accept my responsibility in not noticing the extra charges on a returned item. What I am the most upset about is the fact that I made arrangements and paid the settlement amount agreed upon to pay it off and yet it was still reported as an unpaid balance of $8 on one report and $10 on the other two credit reports.
Regards,
[redacted]
Mr. [redacted] is mistaken on a number of counts:1. He did not enter into an agreement to pay his account in $20 installments in October of 2015. 2. He did not, as evidenced by the list included in his complaint, make regular monthly payments on his account3. His account balance was not "around $29" in...
January of 2016. As of the 1/4/16 closing his account balance was $48.25. A late payment fee assessed on 1/14 increased the balance to $58.25. A payment received on 1/29/16 reduced the balance to $38.25. Subsequent finance charges and another late fee created a balance of $49.25 at the time Mr. [redacted] made his $29 payment. Nonetheless, as a courtesy to Mr. [redacted], Swiss Colony has credited his account to a zero balance.
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 am not accepting this response from the company because it doesn't not resolve my issue or problem. I want this removed frommy credit report. They need to makesure they are verifying each individual that appliesfor a credit card. Each time I call and ask what the status isthey want to verify my address. I tell them my home address and they always tell me if I have another address. And I saw no that I am giving them my current home address and the address listedon that account is not mine because I have been a victim of identity thief. It's seems that they don't comprehend what happens when someone steals an identity. If the account would have had my current address I would have caught this false account under my name and would have address it a long time ago.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Thank you for contacting customer service.
At the time the order was placed, a discount code was used. When the credit was issued, the price of the item was adjusted to reflect the cost after the discount.
As a courtesy, we have credited the account to reflect the cost of the item before the...
discount.
Please allow 24 to 48 hours for this adjustment to reflect on your account.
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] I stand as my previous statement they sold me a defective item I was never offered a return label that is a lie they never told me that but they told me that the 60 days policy return had expired so I could not get a replacement or credit so basiclly the bottom line they sold me a lemon I am not going to tell them that again that is what happened thats the truth and nothing but the truth before I ordered from them I did research on their company I saw alot of complaints about them I should never ordered anything from them for what I read that is my fault I regret ordering from them I should of listen to the complaints about them that is all [redacted]
Montgomery Ward received Ms. Martinez's identity theft affidavit on August 26, 2016 and is in the process of investigating her claim. Ms. [redacted] will be notified of the result of that investigation by mail.
Ginny's records indicate Ms. [redacted] opened her account in August of 2009. She made two payments on the account - one in January of 2010 and one in June of 2010 - before the account was charged off as a loss in November of 2010. Ginny's records indicate Ms. [redacted] called in about her account...
shortly after the charge off was furnished to the consumer reporting agencies. Ms. [redacted] indicate she intended to pay the account in full, but no payment was ever received by Ginny's or the collection to which the account was referred. Ginny's has not communicated with Ms. [redacted] since, although a number of automated disputes have been received from the consumer reporting agencies. In response to the disputes that allege the account does not belong to her, Ginny's has sent an Identity Theft affidavit for Ms. [redacted] to complete and return. Ms. [redacted] has never returned a completed affidavit. Based on the information available, Ginny's it has a reasonable bass for believing that the account belongs to Ms. [redacted] and that she is responsible for payment of the account balance. Ginny's also believes that the information it has furnished to the consumer reporting agencies accurately reflects the payment history and current status of Ms. Russell's account.
[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]
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 1/20/2016 via phone. We are sorry for any confusion with the returns processing of your order.
Your account was promptly credited $279.96 2/19/2016 for merchandise returned. 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. The Midnight Velvet guarantee is listed on the order blank in the center of the catalog or online under Customer Service states: “If any item, for any reason, does not meet your expectations, just return it to us within 60 days. We’ll gladly, refund your merchandise amount, credit your account or, send a replacement (if available). Your complete satisfaction is guaranteed.”
The order was returned using the Smart Label option at a cost of $7.95 to be applied to your account when returned. This is a convenience offered to our customers, so they may save time and just drop the item at the post office, without waiting in line, or giving to their postman for return. This information is clearly disclosed on the return label. Because we value your business, we have credited your account for the Smart Label and the original shipping and processing. Your account will reflect a zero balance within the next twenty four to seventy two hours.
We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Midnight Velvet
Midnight Velvet sent an order acknowledgement to the email address included on the order. None 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 order. Midnight Velvet will remove the email...
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.
What was the order total? If 3 items ordered 3 payments made what was left to write off?
Regards,
[redacted]
At the time Ms. D[redacted] place her order, she was past due on an account she had with a Swiss Colony affiliate, which subjected her order to additional scrutiny. A recent, significant increase in activity on all of her accounts caused her order to be held for payment before it could be shipped....
Please note that such reviews comply with federal law and are specifically authorized in the Swiss Colony credit agreement. Thanks, Matt
Seventh Avenue has contacted Ms. Galbraith directly and resolved her concerns. Seventh Avenue offers its apologies for any inconvenience Ms. Galbraith may have experienced in making her March and April payments.
Seventh Avenue has contacted Ms. [redacted] directly and will send her return labels. The account opened in her name will be closed as fraudulent. No information regarding the account has been furnished to the consumer reporting agencies. Seventh Avenue will request deletion of the credit inquiry from Ms. [redacted] credit file.
Payment in the amount of $25 posted on 7/12/17, returned on 7/14/17. Payment posted on 8/9/17, returned on 8/14/17. The $25 entries Ms. [redacted] refers to were not returned payment fees, they were the reversal of the credits to her account for the dishonored payments. Swiss Colony did not assess returned payment fees or late payment fees in conjunction with either returned payment.
Ms. [redacted] enrolled in the automatic payment service offered by Ginny's, Seventh Avenue, Swiss Colony and Montgomery Ward in December of 2015 using an account ending in 7540. As part of the enrollment Ms. [redacted] made the scheduled payments due on or before January 5, 2016. Ms. Whalen's automated...
payments for February and March of 2016 were successfully processed. On April 1, 2016, Ms. [redacted] made an internet payment on her accounts using the same card she used to enroll in the automatic payment service. As a result, the automated payments for April 5, 2016 were not processed. On April 30, 2016 Ms. [redacted] again made an internet payment on her accounts, using a different account than the one she used to enroll in the automated payment service. Once again, the automatic payments scheduled for May 5, 2016 were not processed.
The companies attempted to process the payments due on June 5, 2016, using the card Ms. [redacted] designated when she enrolled it automated payment service. The transaction was refused.
On June 8, 2016, Ms. [redacted] made internet payments on her accounts using an account ending in 7832 and designated that as the account to be used for future automated payments.
On June 13, 2016 Ms. [redacted] made payments on each of her accounts using a different account from the one designated for automatic payments.
Finally, Ms. [redacted] has not been assessed a late payment fee on any of her accounts as a result of this matter.
Montgomery Ward told me they couldn't send me a letter that this matter is closed. When all I wanted was a letter of confirmation that this order was closed and no further action would have to be addressed. I now have documentation that in case something was to arise, I have something to go back on and give to my Detective that's working on my fraud case.
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]
We received the correspondence from the Revdex.com in regards to your order #[redacted] place 4/11/2016 via internet. We 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 you. Regretfully, an error occurred upon entry which delayed the full credit to your order. Returns are processed in a timely manner, during a standard business week, Monday - Friday. Information allows us to process and log into our systems for replacements or credit to our customers’ accounts according to their direction. This information is then forwarded to our customers via email to notify them we have received the item and it will process shortly. Although 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 inconvenience. Your account currently reflects a zero balance. We look forward to serving you better in the near future. Sincerely, 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.I reject this because I never opened another account and did not tell them to this. Because I received a invoice with a zero balance. Therefore I should not be liable for there mistake. They admitted that it was there mistake, so why am I paying for there mistake. That why I disagree with there response.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
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 accept my responsibility in not noticing the extra charges on a returned item. What I am the most upset about is the fact that I made arrangements and paid the settlement amount agreed upon to pay it off and yet it was still reported as an unpaid balance of $8 on one report and $10 on the other two credit reports.
Regards,
[redacted]
Mr. [redacted] is mistaken on a number of counts:1. He did not enter into an agreement to pay his account in $20 installments in October of 2015. 2. He did not, as evidenced by the list included in his complaint, make regular monthly payments on his account3. His account balance was not "around $29" in...
January of 2016. As of the 1/4/16 closing his account balance was $48.25. A late payment fee assessed on 1/14 increased the balance to $58.25. A payment received on 1/29/16 reduced the balance to $38.25. Subsequent finance charges and another late fee created a balance of $49.25 at the time Mr. [redacted] made his $29 payment. Nonetheless, as a courtesy to Mr. [redacted], Swiss Colony has credited his account to a zero balance.
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 am not accepting this response from the company because it doesn't not resolve my issue or problem. I want this removed frommy credit report. They need to makesure they are verifying each individual that appliesfor a credit card. Each time I call and ask what the status isthey want to verify my address. I tell them my home address and they always tell me if I have another address. And I saw no that I am giving them my current home address and the address listedon that account is not mine because I have been a victim of identity thief. It's seems that they don't comprehend what happens when someone steals an identity. If the account would have had my current address I would have caught this false account under my name and would have address it a long time ago.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Thank you for contacting customer service.
At the time the order was placed, a discount code was used. When the credit was issued, the price of the item was adjusted to reflect the cost after the discount.
As a courtesy, we have credited the account to reflect the cost of the item before the...
discount.
Please allow 24 to 48 hours for this adjustment to reflect on your account.
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] I stand as my previous statement they sold me a defective item I was never offered a return label that is a lie they never told me that but they told me that the 60 days policy return had expired so I could not get a replacement or credit so basiclly the bottom line they sold me a lemon I am not going to tell them that again that is what happened thats the truth and nothing but the truth before I ordered from them I did research on their company I saw alot of complaints about them I should never ordered anything from them for what I read that is my fault I regret ordering from them I should of listen to the complaints about them that is all [redacted]
Montgomery Ward received Ms. Martinez's identity theft affidavit on August 26, 2016 and is in the process of investigating her claim. Ms. [redacted] will be notified of the result of that investigation by mail.
Ginny's records indicate Ms. [redacted] opened her account in August of 2009. She made two payments on the account - one in January of 2010 and one in June of 2010 - before the account was charged off as a loss in November of 2010. Ginny's records indicate Ms. [redacted] called in about her account...
shortly after the charge off was furnished to the consumer reporting agencies. Ms. [redacted] indicate she intended to pay the account in full, but no payment was ever received by Ginny's or the collection to which the account was referred. Ginny's has not communicated with Ms. [redacted] since, although a number of automated disputes have been received from the consumer reporting agencies. In response to the disputes that allege the account does not belong to her, Ginny's has sent an Identity Theft affidavit for Ms. [redacted] to complete and return. Ms. [redacted] has never returned a completed affidavit. Based on the information available, Ginny's it has a reasonable bass for believing that the account belongs to Ms. [redacted] and that she is responsible for payment of the account balance. Ginny's also believes that the information it has furnished to the consumer reporting agencies accurately reflects the payment history and current status of Ms. Russell's account.
[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]
We received the correspondence from the Revdex.com in regards to your order #[redacted] placed 1/20/2016 via phone. We are sorry for any confusion with the returns processing of your order.
Your account was promptly credited $279.96 2/19/2016 for merchandise returned. 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. The Midnight Velvet guarantee is listed on the order blank in the center of the catalog or online under Customer Service states: “If any item, for any reason, does not meet your expectations, just return it to us within 60 days. We’ll gladly, refund your merchandise amount, credit your account or, send a replacement (if available). Your complete satisfaction is guaranteed.”
The order was returned using the Smart Label option at a cost of $7.95 to be applied to your account when returned. This is a convenience offered to our customers, so they may save time and just drop the item at the post office, without waiting in line, or giving to their postman for return. This information is clearly disclosed on the return label. Because we value your business, we have credited your account for the Smart Label and the original shipping and processing. Your account will reflect a zero balance within the next twenty four to seventy two hours.
We regret any inconvenience, but appreciate the opportunity to explain. Sincerely, Midnight Velvet
Midnight Velvet sent an order acknowledgement to the email address included on the order. None 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 order. Midnight Velvet will remove the email...
address from the order record.
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.
What was the order total? If 3 items ordered 3 payments made what was left to write off?
Regards,
[redacted]
At the time Ms. D[redacted] place her order, she was past due on an account she had with a Swiss Colony affiliate, which subjected her order to additional scrutiny. A recent, significant increase in activity on all of her accounts caused her order to be held for payment before it could be shipped....
Please note that such reviews comply with federal law and are specifically authorized in the Swiss Colony credit agreement. Thanks, Matt