I had done business years ago, with Ginny's. I received a Holiday catolog that stated, I had a 400 dollar line so I looked at the Catolog instead of tossing it. I found some items, well under my credit limit, and placed an order, one item separate going to another state from other items. Three days later I received a email stating they would except one order but not the other, and a explaination in letter form would be mailed to me. I immediately called them, told them to cancel both orders, close my account and take me off of all their mailing lists and all their affiliates. The customer service representative put me on hold for 5 minutes, came back saying he was sorry for the wait time.
He told me, he cancelled the two orders, closed my account and took me off all mailing lists and I was all set.I thanked him and end the call. That should have been the end of it Right? No it wasn't, 2 days after that I received the letter I was told I would receive in the email with an explaination. They stated I went over my credit limit. The catolog stated 400 dollars, order was half that. They would except the order with a down payment, but never stated in the letter what the credit limit was. I disregarded the letter, no longer mattered. I was told the orders were cancelled as per my request. Three days later in the mail, I received an invoice for one of the orders, demanding full payment of the order!
I immediately called them AGAIN!
This time I asked for a supervisor, after explaining the first call, my requests and being told by their representative that all my requests were met, he put me on hold again for a long time, came back stated he saw, that I was tsken off their mailing list.
Only one order was cancelled and he would not close my account, until the order they mailed out after the request to cancel was paid in full.
He was very haunting and told since they did send it out, I was responsibile for payment. I call my brother in Wisconsin, asked if he received an item from Ginny's. He didn't know where it came from and he and his wife thought it was a scam and waiting to see if he would be billed for something he did not order. I had already purchased an item for them on Amazon, because the order was cancelled from Ginny's and the cancellation was confirmed by Ginny's customer service. Ginny's states they are a family owned business, apparently a very dishonest and crooked family, so disparate for sales, they send out cancelled orders, thinking they can put the consumers on the hook! Filed a complaint with Wisconsins consumer protect agency,
Where the company and crooked family are located. Do not order or attempt to order goods from this dishonest, and fraudulate family and company.

Second update. After filing a complaint with the BBB. And 2 years AFTER my first dispute, FINALLY there was no way my proof wouldn't be seen and examined carefully and I did get a response to my complaint and my account went from 2 late payments to perfect payment history. Also I wanted to add that it wasn't just that the payments were listed as late, the idiot credit specialist that started the problem had a different account number then what I was given from day 1. I was too interested in the fact that I knew my payments weren't late and harped more on why was every other payment posted correctly and ahead of time except the 2 they claimed they didn't receive. 1st update since I am still paying these ppl off, just wanted to add that as of today, they still have not acknowledged or posted my payment for this month (payment due 4/20) and my bank sends payment electronically and payment arrived on the 12th according to my bank. They received last month's payment and posted it correctly, but as of today they claim they haven't gotten it. They only accept faxes or regular mail, not emails with screen shots. Only company I know of that isn't in this century. I opened this account as a way to build my credit back up. At first everything was fine. Then in Nov and Dec of 2020, the payments that I made, the way I had been making them, were not applied to my account. The only reason I gave 2 * is because their customer service ppl are nice. Credit Department is rude,, and even though you Prove by bank statements etc that you did in fact pay, they REFUSE to admit or fix their mistake. They ruined my credit, it's worse now than when i started. The faxes I sent at the beginning of the year? 5 in total. They never got. So they say even though I have confirmation. I paid on my account thru them for Jan and Feb but it takes 5 to 7 days for them to process the payment. I will say it again. DO NOT UNDER ANY CIRCUMSTANCES BUY OR ACCEPT CREDIT FROM THIS COMPANY!

I opened an account with Ginny's. Then I received a catalog from Country door. I ordered from both. I was having issues making payments during the pandemic, and was thinking of they would put a freeze on my account for a few months and it would not affect my credit score! BULL CRAP! IT'S ON MY CREDIT REPORT FOR BOTH COMPANIES! Oh, it gets BETTER! I started recieving other catalogs from seventh avenue, the tender fillet ( by the way, is the same exact company as swiss colony). So I started ordering stuff for my wife. There was no issue at first. Everything was fine. Until they wouldn't let me send gifts to her address anymore. They all froze my account for any products going to her house. I have, let me rephrase that HAD ( oh I'll explain that in a minute as well), I HAD ginny's, country door, seventh avenue, the tender fillet ( also known as swiss colony), for people who do not know this, all affiliates with Ginny's, are all the same company, they just use different catalogs. So then they can send you a bill for each catalog SEPERATELY, which is ironic, when they don't let you use them all, getting to that also... Now, they refused to send any products to her address, where 95% of my items had gone. They gave me the run around every time I called. Even the supervisors. They all told me different things. They eventually said my accounts were red flagged because I had put the wrong information in online when I ordered. Which was NOT the case. They already have your info, and I had ordered several items from all companies already, without an issue. I did tell them there was a problem with the address it was showing that the mailing address was the billing address and it never did that before and I needed help fixing it... Did they help me? Haha NO! They froze my accounts to her address saying there was nothing they could do. They even told me that I could never have anything delivered to that address again. I even asked, what happens if I moved there, and I was told that even if I moved there, they would not send any packages to that address. But how ironic they take my money for all the products that went to that address. To continue. It was Christmas time, and I was ordering my wife some things. I had placed different orders with each catalog, because each catalog sold some things the other catalogs didn't. I also had less credit left with one's than other's. Now... Mind you, they all send you a catalog to order, then tell me this. WHY WOULD THESE PEOPLE I CONSIDER WITH MY PERSONAL OPINION, TO BE MORONS, WHOEVER CAME UP WITH THE RULES, THAT THEY WILL SEND YOU ALL THEIR CATALOGS TO ORDER FROM, EVEN GIVE YOU A CREDIT LINE FOR EACH CATALOG, AND THEN TELL YOU, THEY FREEZE YOUR ACCOUNT FOR ORDERING MORE THAN 3-4 ITEMS IN A WEEK! ARE YOU SERIOUSLY!?! WHAT KIND OF BUSINESS, GIVES YOU CREDIT, MULTIPLE ACCOUNTS THEY OPEN FOR YOU, AND THEN FREEZES ALL OF YOUR ACCOUNTS FOR ORDERING TOO MUCH WHEN YOU ARE PAYING YOUR BILL. I HAVE NEVER HEARD OF A COMPANY WHO DIDNT WANT YOU TO BUY AS MUCH AS POSSIBLE AS LONG AS YOU MADE YOUR PAYMENTS! ALL OF MY PAYMENTS WERE ON TIME! AND THEY FROZE MY ACCOUNTS, AND WHY? BECAUSE AFTER THEY FROZE THE ADDRESS I WAS SENDING EVERYTHING TO PREVIOUSLY, I HAD TO REORDER EVERYTHING SO I COULD RECIEVE IT ALL ON TIME, SO I HAD TO GO TO EACH COMPANY AND REPLACE THE ORDERS. IF THEY HADNT GIVEN ME THE RUN AROUND FOR WEEKS NOT TELLING ME WHY I COULDN'T HAVE THINGS SHIPPED TO THAT ADDRESS, AND EVERY OPERATOR TOLD ME SOMETHING DIFFERENT, THEN I WOULDN'T HAVE HAD TO PLACE MORE THAN 3 ITEMS IN 1 WEEK. So then... I had enough dealing with country door. So I asked them to close my account. I had enough of their other catalogs I didn't want to deal with the people at country door. After I closed country door, about 2 days later I got a call asking if I wanted to reopen my Ginny's account and another account called me while I was on the phone with one company calling me. I NEVER CLOSED ANY OF THE OTHER ACCOUNTS! AND SO YOU KNOW, ALL CALLS ARE RECORDED FOR CUSTOMER SATISFACTION. THEY REOPENED MY OTHER ACCOUNTS, AND THEN TOLD ME ALL MY ACCOUNTS WERE FROZEN FOR PLACING TOO MANY ORDERS. HOW IRONIC, THEY CALL TO ASK YOU TO KEEP YOUR ACCOUNTS OPEN, BUT NOT WHEN YOU CAN'T ORDER ANYTHING. THEY TELL YOU, YOU CANNOT ORDER TOO MANY ITEMS AS A SAFETY FOR YOUR ACCOUNTS, WHICH IS NOT IN THE CONTRACT, ONE OPERATOR TOLD ME IT WAS THEIR POLICY, I TOLD HER THAT IT WAS NEVER WRITTEN IN ANYTHING I AGREED TO, THAT YOUR ACCOUNT WILL BE FROZEN IF YOU ORDER TOO MANY, BECAUSE ACTUALLY, ONE OPERATOR TOLD ME I HAVE TO WAIT ABOUT A WEEK AFTER ORDERING TO PLACE OTHER ORDERS, ANOTHER OPERATOR TOLD ME I HAD TO WAIT A MONTH. SO... WHAT POLICY? ANY LEGAL CONTRACT POLICY HAS TO BE IN WRITING WHERE BOTH PARTIES ARE KNOWN TO IT AND AGREE! SO NOW, ON MY CREDIT REPORT, IT SHOWS MY ACCOUNTS WITH GINNYS, SEVENTH AVENUE, SWISS COLONY, AND COUNTRY DOOR ARE ALL CLOSED BY THE CONSUMER, WHICH IS ME, WHEN I CALLED AND ASKED THEM ABOUT IT, THEY SAID, NONE OF THEM ARE CLOSED, NOT EVEN COUNTRY DOOR WHICH I ASKED THEM TO CLOSE, BECAUSE THEY SAY THEY CANNOT CLOSE ANY ACCOUNTS THAT HAVE A BALANCE... SO THEY LIE TO YOU PROFUSELY! WHY WOULD THEY CALL AND ASKE TO KEEP MY ACCOUNTS OPEN, IF THEY CAN'T CLOSE THEM. AND WHY IS IT ON MY CREDIT REPORT THAT THEY PUT ON THERE, BECAUSE I CAN'T, THAT THEY ARE CLOSED? AND THEN THEY TELL YOU, CONTACT THE CREDIT BUREAU. HEY, IN MY PERSONAL OPINION, YOU IDIOTS, AND THE IDIOTS WHO HIRE YOU, YOU ARE THE ONES WHO TOLD THE CREDIT BUREAU THE CONSUMER CLOSED THEM, AND NOW YOU SAY, THEY CAN'T BE CLOSED WITH A BALANCE OWED. TO ANYONE THINKING OF EVEN GETTING ANY OF THEIR ACCOUNT! THEY ARE SCAMMERS. LIARS. THEY WANT YOU TO GET ALL OF THEIR ACCOUNTS, BUT THEN TELL YOU YOU CAN'T ORDER FROM THEM AT THE SAME TIMES. OR YOUR ACCOUNTS WILL BE FROZEN. DO THIS PEOPLE. CALL ONE OF THE COMPANIES, THEY ARE ALL CONNECTED. CALL SAY GINNY'S AND TELL THEM YOU HAVE A QUESTION ABOUT SEVENTH AVENUE, TRUST ME, THEY WILL TELL YOU, ITS THE SAME, YOU JUST MIGHT NOT REALIZE IT AT FIRST. JUST GO TO THEIR WEBSITES, THEY ALL LOOK THE SAME, ACCEPT THE COLOR. THEN ASK THEM, HOW MANY ITEMS YOU CAN ORDER THROUGH ALL OF THEIR CATALOGS WITHIN 1 WEEK. THEY WILL TELL YOU, IF YOU ASK THEM! YOU CAN HAVE 5 CATALOGS, BUT CAN ONLY ORDER ABOUT 3 THINGS A WEEK. OR YOUR ACCOUNT WILL BE FROZEN. IT INSANE. WHAT KIND OF PERSON OWNS A BUSINESS LIKE THAT AND EXPECTS TO DO GOOD? I GIVE THOSE COMPANIES A NEGATIVE -******* STARS! THEY DESERVE A FULL MOON IF YOU GET MY DRIFT. AWFUL COMPANIES. OH, AND SO YOU KNOW, HALF THE MONEY YOU SPEND, GOES JUST FOR SHIPPING. IF YOU MUST USE AN ONLINE CATALOG. I RECOMMEND FINGERHUT. AND THEY DO HELP YOUR CREDIT SCORE IF PAID ON TIME, THEY WILL GIVE POSITIVE FEEDBACK FOR YOU MONTHLY. DON'T BE SCAMMED BY GINNY'S AND AFFILIATES. AND I HOPE THE OWNER GETS WIND OF THIS. SO THEY KNOW HOW HORRIBLE THEIR COMPANIES ARE IN MY PERSONAL OPINION. I DO NOT RECOMMEND THEM EVER AGAIN!

Avoid this company!

Based on a recent correspondence dated 08/23/19 from your organization regarding a recent request to charge my card implied that the authorization center was unable to approve charge. It occurred to contact my bank for details and to check my bank account online and upon retrieving my transactions online and speaking with a representative from my bank I saw and was advised by the representative from MCU that my bank indeed had approved the transaction in question of $125.00 please note transaction was approved on 08/22/19. I immediately contacted Ginny's and made query into the matter. I was advised that the payment did not go through. I further provided details from my bank stating that funds were indeed approved. I was placed on hold and then i was told by a representative that on the first attempt the transaction was not approved but they make a second attempt and the payment was approved.

I also would like to bring to your attention the possibility of the countless times this has occurred regarding my account payment and brings into question the validity of my account being placed in Collections. Please observe the date of the notice was 08/23/19 and the date I was charged was 08/22/19.

I was just recently able to go over some of the mails I have received form Ginny's and they are of the same nature that the authorization center was unable to authorize payment. Now I can provide a state from my bank showing the balance of my bank account for which the card you have on record is linked to and show you that funds were indeed available on that date and time of the authorization center attempt to charge my card.

Again, I am questioning the validity of my account being placed in collections given the fact that arrangements were set up by yours truly however, due to unforeseen circumstances such as the one mentioned in paragraph occurred which was beyond my control. In this case as mentioned the payment was authorized on the second attempt, now it is usually only attempted once or is it usually twice and this attempt does not necessary means that the customer has insufficient funds this seems as a general issue Ginny's has had as it relates to charging my card. This also puts my reputation and ability to pay into question.

It also shows the gross disrespect Ginny's has for me as a customer as a letter should have been sent advising me to disregard the letter dated 08/23/2019 as payment was processed on the second attempt and apologizing for any inconvenience caused. The representative herself was unapologetic about the situation did not seem to care much either.

Now the balance on my Ginny's account according to the representative I spoke with was $225.70 after advising me of the payment successfully made. I will be issuing two payments to close my account as outlined below:

Based on the issue mentioned above I believe it is with fairness to me as a customer for this account to not be listed on my credit report. There obviously seems to be a technical problem with processing payments has obviously happened and I was very much paying attention and was able to call our Ginny's on this matter.

Not to mention the poor quality towels that they are selling people at such a high prices! Rip off! Avoid totally use a rag and dry off its needs be don't purchase anything here... towels are cheaper at Marshalls, Home Goods, etc and much better quality.

Several weeks ago I received an item; which I ordered after receiving a pre approved Ginny's catalog. I was pretty excited but shocked because I don't have an account. Or didn't think I was approved because I was never notified. My right drawer wicker and "particle board" cabinet looked great in the photo and cost close to 300$... surprisingly given the quality (insert sarcasm) It arrived, destroyed, split in half and box retaped I am guessing during shipping. I called immediately to see first, why I had this item when I was never even told that my account iwas opened or approved. I then requested that it be returned and the very pleasant woman said my new replacement would be shipped immediately that was almost two weeks ago and my only experience with anything close to acceptable customer service. Since I've received not one phone call to pick it up, Despite attempting, on multiple occasions, to return it. I noticed last Friday that the charge was removed from my account and my accounts credit had been recscinded. So I called to find out about the return and why my credit had been taken away, a. Call I now wish I had never made... I was told that there was suddenly, mysteriously, now a fraud alert from one of the credit bureaus for me, (not with Ginny's but with the credit reporting company) this was stressed multiple times by the representative... so to prove I am myself, I basically resighted my credit report and answered every question they needed to verify I am who I say i am and the person who made he order in my name! Despite this I was treated much like a criminal and when asked when my replacement item would come I was lied to by the rep (ironically her name was Jenny) and told they couldn't send it til the initial item was returned to them (a complete contradiction from what I was told when I called the first day this customer service nightmare began). Needless to say two weeks later, about seven phone calls and hours of my time I still have a broken huge cabinet still sitting in my foyer. Ive tried multiple times to get an answer as to whether I have an account open or not and why it says I have a 400$ account but no available credit? Today I looked at the account again online, because despite my hesitation, I had already placed a second order (prior to being told about the "fraud report" on my credit report)... which was of course the reason the confusion (and that I used two different addresses for billing and shipping) I had just moved and not change the addresses in my credit cards.: so back to this "fraud alert" which come to find oi doesn't exist on any of my credit reports (i checked all tbree reporting bureaus out of concern). Unfortunately I had already placed a second order, th customer service Rep told me I was ok to go ahead and order and to use my existing account, mind you, i still have not received word one on the status of my account and still have not heard back from anyone regarding the pick up of the broken cabinet taking up a bunch of space in my new condo! Unbelievably I have another error alert on my online account the online and my new order status says "shipping in progress", "request items be returned" and "write a review" with a link... So here it is... I will stick with fingerhut, ProgressiveLeasing, and emporium and throw any future communications from any of this company and its affiliates in the trash.(Montgomery ward, seventeenth avenue, and a couple others to name a few) they will not get a penny from me. I have taken pictures of my zero balance and all the evidence of my items up to date and really hope that they learn how to treat potential or I guess actual customers with the respect and service they should expect when spending their hard earned money! Ironically now my account alert says I don't actually have one but to click on display for "order details" (from the account I don't have) and then the link basically says nothing (kind of ironic and much like their customer service... useless) the only link that works is the one that says "write a review" so here It is. I have been rudely addressed, accused of falsely representing who I am, because I moved and used the correct billing address, then lied to by their representatives, wastes countless hours and precious time trying to be an honest customer and return a product I didn't know I was even approved to buy! DO YOURSELF A FAVOR AND USE FINGERHUT INSTEAD Or anywhere else it can't be much worse... save yourself the aggravation and stress of being told their is a fraud alert on your credit report, when there is none and despite asking and spending more time on the phone trying to figure this all out... never being given any useful information or solutions to any questions o had regarding any of these ridiculous issues. I personally will continue to use fingerhut and my other online sites when I want to shop, it is their loss because I am a faithful and good customer. I suggest they ask for verification of someone's identity if they are going to accuse them, falsely, of fraudulently claiming they are someone, because I could have provided copies of my address (state issuesd license even) with both my old and current addresses... who in their right mind (if they are a criminal) would call to let a company know they think they received an item in error! NO ONE... clearly this company needs to train their customer service agents and if they question someone's identity they shouldn't be shipping their products to said person in the first place. Now that they have taken back my account (I guess... true to form I was never notified of ever having one). So I guess when my shipment does arrive i will be unable to return it without an account? Good job Ginny's you've already lost close to a grand from this customer just because you have horrible customer service and a system that doesn't work!

Don't use

Ginny's and sister companies offer easy credit for those with poor credit (so called Choose and Charge) through Comenity Bank (banking info IS posted on your credit agreement) without requiring a credit check or proof of income. Due to the predictable issues of a target clientele seeking "easy credit" without a credit check, they charge high interest rates and generally require a partial down payment on your first order or two until you have established a credit history with their company (also common with this type of credit offer). My biggest complaint regarding the down payment, is if I've allowed my balance to drop to zero I am frequently hit up for another down payment despite my excellent payment history and high credit limit. I refuse to pay it, request a second look at my history and (except at Xmas when they were particularly busy, and I was particularly angry about it) have always been accommodated. With apologies. It appears that if you go without a balance or purchase for some period of time you are automatically treated like a brand new customer, unless you make them look at your history. Regardless, you will not get such an accommodation if your history shows missed or late payments, in which case, they WILL require a partial down payment.

In these days of tightening credit requirements it isn't unusual for credit lenders to reduce credit limits if there is history of problems--or if they have ANY reason to worry about a default; nor for a down payment to be required. It isn't likely that someone with a wide range of credit opportunities as you would have with a good credit score, would be willing to pay such a high percentage rate when you have so many other options. If your credit opportunities are limited then you take what you can get and count yourself lucky.

As is also common with this type of company, some of their merchandise is overpriced compared to other sources, but if you need to make payments and have no other credit, it may be worth it anyway. They offer frequent sales, percentage off discounts and a nice range of merchandise with easy credit increases if you keep up your payments (I suggest paying more than the minimum). They also offer self-branded items not found anywhere else. As is becoming more common, any red flag on your credit reports--such as high usage CAN affect your credit with Ginny's and affiliates regardless of your particular history with them. They may not check your credit score with the credit bureaus, but Comenity Bank has a wide reach; is a very popular catalog and merchandise credit provider, and any problems at one is going to raise a red flag at others--and not just among these sister companies.

You should be aware that establishing good credit with these companies will not do anything for your credit score as they do not report to the credit bureaus. In that sense, they won't help you re-establish your credit. While this may be problematic if you are trying to improve your credit score, it also won't count against it for late or missed payments, or for high credit usage (a good example of a typical customer here would be a relatively low income, with a high debt to income ratio--a demographic that frequently has poor credit to begin with and who may find the lack of reporting beneficial). Keeping a good history with these catalogs does matter regardless, as it can open doors to other catalog credit options, generally beginning with other Comenity Bank affiliates that DO report to the Credit Bureaus such as Blairs, Brylane, Jessica London, and more.

I've been an on and off customer of these catalogs for decades and overall I've been very satisfied. I've ordered with and without using their credit plan. I've had few problems with returns, the most frequent (and that not often) with electronics breaking down after the usual 60 day time limit--which is longer than for other catalog companies, or the cost of returns not being justified for a low cost item. I also read the customer reviews and find them helpful; you have to remember that they are just the "store", except for self-branded merchandise, they are not the guarantor of the product. In most cases you need to contact the manufacturer after that 60 days and take it up with them. You generally know very quickly if anything other than an electronic device is defective or doesn't fit or you don't like it. Unfortunately the cost and hassle of returns is the price we pay for online and catalog shopping. Not many offer shipping or free returns (though they do exist), Sometimes the catalog "specials" include free shipping.

My overall rating is a 4--with my biggest complaint the resurrecting down payment request when my balance drops to zero and I havenn't placed an order in awhile; but as I've already said, if you have an established history of regular on time payments, that is usually taken care of with a phone call. The one time this really caused problems was at Christmas when the credit customer service representative was apparently "too busy" to bother checking. It really messed up my Christmas as I hadn't even realized that there was a problem with my order until some of the products were already sold out (all of my previous orders for a couple of YEARS had sailed through without any delays,, but I had paid down all of my balances to be free for Christmas orders).

The rest of my dealings with these companies has been consistent with any other catalog company that offers "easy credit" with "no credit check" (and no proof of income). I think it's a fair trade and a reasonable opportunity to get back on my "credit" feet, plus I like a number of their products. If you are concerned about cost, just as with anywhere, compare prices (and don't use catalog or merchandise credit which is usually a much higher APR than standard credit cards). Some merchandise will be priced much higher than you can usually find it on the 'net, others will be average--pretty much the same as anywhere else, while you may even find a decent bargain or two, especially if you sign up for their newsletters and follow the sales. Keep in mind it's not Walmart! But good standing WILL open doors to greater credit opportunities without any of it hurting your credit rating with the major credit bureaus.

Be aware that if at any time in the past you've had an account closed in bad standing that will continue to haunt you--pretty much forever with these companies. While it may not show up at the Credit Bureau, it WILL show up in their records. You don't want to open an account, place an order and then think you can get away with not paying for it. That might work in the short term, and it won't hurt your public credit score, but if you ever want another account with these companies--and others you might not even think of like Carol Wright, or Miles Kimball and more (who don't even TAKE applications, they have to OFFER it to you), or with Comenity Bank for that matter, it WILL still be around to haunt you, Maybe it will help to remember that these companies are taking a risk by offering easy credit with no credit checks, it's not surprising that they would want to keep track of those who try to take advantage on their own, and it's not surprising that they would need to have ways of compensating for their higher rate of default incurred by offering this easy credit in the first place through higher interest rates and sometimes higher prices.

SHIPPING 2 MUCH

Full of it