Ginny's is a bunch of bad actor scammers that will steal your identity, will open a credit account in your name, and will send you items you purportedly ordered and never received, and then they will threaten to trash your credit score, your ability to purchase a car, your ability to obtain employment, your ability to obtain housing if you don't pay up. Sounds pretty cancerous to me.
Here is what I did to combat this fraudulent company:
File a identity theft/fraud complaint with Identifytheft.Gov, your State's Attorney General, and the three Credit Bureau's, Experian, Equifax and TransUnion.
Then contact the three credit bureau's and put a freeze on your credit report.(Creditors now cannot open an account without your consent).
Then place a fraud alert with the three credit bureaus on your Ginny's account.
It does take some time and effort, but it was worth it. I didn't get scammed $525 and my trashed credit score was restored back from 662 to 818.
More than likely Ginny's will then close your account and walk away from their scam.
Tip for consumers:
Stay away from these Identity Theft scammers