Melonie G.
ABSOLUTE WORST COMPANY'S OUT THERE! DO NOT USE SEVENTH AVENUE FOR ANY REASON, YOU WILL REGRET THE DECISION IF YOU DO! 😔
I have never applied or signed up with Seventh Avenue for anything in my life, Ever! However, they somehow got my name and info and address and began mailing me catalogs through snail mail at my mother's address. The catalogs would come about once every few weeks like clockwork and they read in big letters directly on the front that I had been approved for a credit line for $700 and no need to do anything further except call and activate the card or credit line or whichever it was, I can't remember now because I always trashed them asap. I moved out of my mother's house and still kept getting mail there for awhile until I got it all forwarded and at some point my mother takes it upon herself to open a credit line through this seventh avenue but in my name and with my social and info! She began charging items and not paying the bill and I have no idea how long this went on or when it actually started but I found out when I came back to Tennessee because I had been living out of state in Texas and I kept seeing bills in name from seventh avenue saying my payment was past due. I knew this couldn't be because the position I was just in previously while out of state would have made it physically and humanly impossible for me to obtain any kind of credit/debit card or line of credit or anything to do with the area of finance. I started panicking because I was certain someone stole my identity and my first step and response was to immediately call seventh avenue and inform them that this is not my account and I did not open it and I scolded them about their security policy and how they could've so easily opened an account in my name just with a name, birthdate and social. They were no help and acted like I still owe them the bill. I was appalled and still am because it's going against my credit to this day. They had the nerve to say they were writing off all the debt except $100 and so now they claim I only owe them $100! Wow! I don't owe seventh avenue one single red cent because I would never dare open an account with their hideous and cheesy items regardless and I find it offensive that a company would basically ignore what I am saying about, they let someone else open the account in my name, and still try to say I owe them 100 dollars. I can't get over that! First of all, if you would not be basically sending catalogs constantly every other week begging people to sign up with you and flaunting on the front page they are already approved just call and activate then people wouldn't have had any option to fake my identity and call to open this credit line and activate it because my mother or anyone else would've never known about it. Or perhaps if you asked a few more in depth security questions or had the user verify different info other than the name, birthdate and social , which of course my mother knows!! Don't worry I am upset with her most of all but also with seventh avenue for not being accommodating and trustworthy and helpful or anything that a company should be but just being greedy and wanting their ridiculous 100 dollars and from the wrong person at that!!!!! I want this off my credit report and I can prove exactly where I was at the time this account was opened according to my mother, who admitted it, and according to the federal government , which is who I was with during this point of time and definitely unable to access any kind of way to open a line credit from a catalog that was arriving at my mother's address over 2,500 miles away. Get real. I told them all of this and they have still reported it on my account mutiple times and I think I will take them to court and possibly sue for damages because this has caused my score to be affected which in turn affects everything in my life and the ability to live or purchase a home or vehicle without a cosigner. It's just a nightmare. I want this off my report now. Otherwise I'm hiring an attorney immediately and taking legal action against seventh avenue for reporting this after I told them I can show hard cold evidence that this wasn't me and I was a victim of identity theft. I didn't press charges because it's my mother but I will pursue this court against the company and I mean what I say, I'm over it. Rant over- Melonie M. Mcmahan in Tennessee