Affinion Group, Inc.

March 31, 2015Revdex.com ID#: ***Revdex.com ("Revdex.com")Dear Madam or Sir:This is in response to the above referenced inquiry filed with your office.Please be advised that as the nature of this inquiry pertains to insurance, we are unable to
provide details on this website for privacy reasons. Please be assured a response has been sent directly to the complainant, addressing the concerns, via overnight mail.We appreciate your understanding regarding this matter.Sincerely,Third Party AdministratorCC: Carrier

Revdex.com:Although the business is neglecting one of the initial $'holding' fees assessed, I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Thank you for your correspondence regarding *** ***’s concerns with his Netmarket membership, a service provided by Trilegiant Corporation
By way of background, Netmarket is part of an established membership-based discount service companyWe jointly market our
memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in the service. An individual member may join Netmarket in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the checking account statement at the time of the billing along with the name of the service to identify the charge
After researching his concerns, we found that Mr*** was enrolled in our Netmarket service on January 1st, 2002. Netmarket goes to great lengths in order to ensure that an authorized person agrees to the membership If Mr*** did not inform us that he wished to cancel the membership at the end of the trial period, he was charged the annual membership fee. The terms of the agreement provide that, in order to ensure uninterrupted service, the membership would be renewed each year at the then current membership fee
Please be assured that we make every effort to ensure that a member is satisfied with their membership in Netmarket As such, Mr***’s membership was canceled on March 22nd, 2014, and a refund of $1,is being issued to his checking account as reimbursement of previous fees that he was charged for the service
We apologize for any inconvenience that Mr*** may have experienced and hope that this matter has been resolved to his satisfaction
Sincerely,
*** ***
Customer Relations

Thank you for your correspondence regarding *** ***’s concerns with his Great Fun membership, a service provided by Trilegiant Corporation
Our records indicate that Mr*** was enrolled in our Great Fun service on March 25th, 2014, after making a purchase
from *** and then responding to an offer to receive a rebate on his recent purchase by calling a toll free number. Upon calling the toll free number, Mr*** was presented with the option to enroll in Great Fun. The offer for joining Great Fun was $in rebates for purchases from ***
In order to avail himself of our promotional offer, Mr*** was required to return the rebate forms that were included in his membership kit or sent to the e-mail provided during the enrollment process along with his corresponding *** receipts. Upon receipt of the completed rebate forms and receipts, Mr*** would have received his rebate checks within four to six weeks. We apologize for any misunderstanding concerning the terms of the offer
We regret that Mr*** did not receive his rebate forms in a timely manner. In order to uphold our high level of customer satisfaction, Mr*** may either e-mail (***) or fax (###-###-####) me his receipts from ***, and I will have his rebates processed by our Claims department
In addition, Mr***’s Great Fun membership was canceled on April 14th, 2014, and a refund of $will be issued to his credit or debit card account as reimbursement of the trial fee that he was charged
We apologize for any inconvenience that Mr*** may have experienced and hope that this matter has been resolved to his satisfaction
Sincerely,
*** ***
Customer Relations

Thank you for your correspondence regarding *** ***’s concerns with her Great Fun membership, a service provided by Trilegiant Corporation
As an incentive for joining Great Fun, Ms*** was offered two $rebates toward her cell phone billsIn order to
avail herself of the promotional offer, Ms*** was required to return the rebate forms that were included in her membership kit or sent to the e-mail provided during the enrollment process along with two separate cell phone billsUpon receipt of the completed rebate forms and cell phone bills, the rebate checks would have been delivered within 4-weeks
We regret that there was any misunderstanding concerning the terms of our offerIn order to uphold our high level of customer satisfaction, Ms*** can either fax (###-###-####) or email (***) me a copy of one of her cell phone bills, and we will have a $rebate processed by our Claims department
Please be assured that we make every effort to ensure that a member is satisfied with their membership in Great FunAs such, Ms***’s membership was canceled on January 28th, 2014, and she was not charged a monthly membership fee for the service
We apologize for any inconvenience that Ms*** may have experienced and hope that this matter has been resolved to her satisfaction
Sincerely,
*** ***
Customer Relations

Thank you for your correspondence regarding *** ***’s concerns with his Travelers Advantage and Shoppers Advantage memberships, services provided by Trilegiant Corporation
By way of background, Travelers Advantage and Shoppers Advantage are part of an established
membership-based discount service company. We jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join Travelers Advantage and Shoppers Advantage in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billings along with the names of the services to identify the charges
Our records indicate that Mr*** was enrolled in both our Travelers Advantage and Shoppers Advantage services on September 30, 2014, after making a purchase from *** *** and then responding to an offer to receive a rebate on his recent purchase by calling a toll free number. Upon calling the toll free number, Mr*** was presented with the option to enroll in both Travelers Advantage and Shoppers Advantage, which our records indicate he accepted The offer for joining Travelers Advantage was $worth of rebates for *** *** reservations. The offer related to Shoppers Advantage was $in gas purchase rebates. According to the terms of the agreements for Travelers Advantage and Shoppers Advantage, if Mr*** did not inform us that he wished to cancel the memberships at the end of the trial periods, he would be charged the current monthly membership fees
Travelers Advantage and Shoppers Advantage go to great lengths in order to ensure that an authorized person agrees to the membershipsOur records indicate that Mr*** provided his date of birth to the representative confirming his authorization to enroll in the services
Please be assured that we make every effort to ensure that members are satisfied with their memberships in Travelers Advantage and Shoppers Advantage As such, Mr***’s Travelers Advantage membership was canceled on October 27, 2014, and he will not be charged a monthly fee. Mr***’s Shoppers Advantage membership was also canceled on October 27, 2014, and a $refund will be issued to his credit card account as reimbursement of the trial fee that he was charged for the service
We apologize for any inconvenience that Mr*** may have experienced and hope that this matter has been resolved to his satisfaction
Sincerely,
*** ***
Customer Relations

Complaint: ***
I am rejecting this response because: I have been waiting over two months for correspondence from this company I stated that I never signed up for this insurance and requested a copy of my signature that they stated they had and have not received anything I will not accept a letter as an answer, just to receive nothing satisfactory
Sincerely,
*** ***

June 16, 2015 VIA ONLINE SUBMISSION Revdex.com (“Revdex.com”)Revdex.com Complaint Department RE: Revdex.com Case #:
*** Dear Sir or Madam: This correspondence is in regard to the above referenced complaintfiled with your office Due to Privacy, we are not able to provide specific informationregarding insurance related matters on this websitePlease be assured that awritten response addressing all issues raised by the complainant will be sentdirectly to the Primary Insured under separate cover within the next seven (7)to ten (10) business days. We appreciate your understanding regarding this matter Sincerely, Third Party Administrator cc: ***

September 19, 2016 VIA ONLINE SUBMISSIONComplaint ID#: *** Dear Madame or Sir:This submission is in response to the complainant's rejection of our initial response. Please be advised our response to the complainant's rejection has been mailed to the primary insured. As the nature of this complaint is in regard to insurance, we cannot respond to the Revdex.com's public website or the complainant. However, the insured may share our response to each party at his discretion. A phone number to our company's representative has been provided should the insured have any questions. We hope we can provide resolution to the concerns addressed in this complaint. We appreciate your understanding regarding this matter. Sincerely, Third Party Administrator CC: Carrier Sincerely,

Thank you for your correspondence regarding *** ***’s concerns with her Buyers Advantage membership, a service
provided by Trilegiant Corporation
By way of background, Buyers Advantage is part of an established membership-based discount service company. We jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join our programs in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billing along with the name of the service to identify the charge Our records indicate that Ms*** was enrolled in both our Great Fun and Buyers Advantage services on May 13, 2014, after making an online travel reservation and then responding to an offer to receive a rebate on her recent reservation by calling a toll free number. Upon calling the toll free number, Ms*** was presented with the option to enroll in both Great Fun and Buyers Advantage, which our records indicate she accepted. The offer for joining Great Fun was two (2) $reservation rebates. The offer related to Buyers Advantage was $in rebates for gas purchases. According to the terms of the agreements for Great Fun and Buyers Advantage, if Ms*** did not inform us that she wished to cancel the memberships at the end of the trial periods, she would be charged the current monthly membership fees. Ms*** was provided a separate phone number for each service to call to cancel.Please be assured that we make every effort to ensure that members are satisfied with their memberships in Great Fun and Buyers Advantage. As such, Ms***’s Great Fun membership was canceled on July 23, 2014, and she was not charged a monthly fee. Ms***’s Buyers Advantage membership was canceled on January 4, 2017, and refunds totaling $will be issued to her credit card account as full reimbursement of the fees that she was charged for the service
We apologize for any inconvenience that Ms*** may have experienced and hope that this matter has been resolved to her satisfaction
Sincerely,
Jason A***
Customer Relations

Complaint: ***I am rejecting this response because: I CANCELLED MY ENROLLMENT TO VALUPASS AROUND 1/26/WHICH IS THE ONLY COMPANY I GAVE MY CREDIT CARD INFORMATION TO. THEN EVEN AFTER CANCELLING IM GETTING CHARGES TO MY BANK ACCOUNT WITHOUT MY PERMISSION AND MONTHLY FEES TO BE CHARGED IF I DONT CANCEL THE SIGN UP TO THIS COMPANY. NOONE HAS THE RIGHT TO DEDUCT MONEY FROM MY ACCOUNT WITHOUT MY PERMISSION PRIOR TO ASKING MEIT IS A CRIME TO GET INTO ANYONES BANK ACCOUNT WITHOUT THEIR KNOWLEDGE. VALUPASS IS AWARE OF WHAT THEY ARE DOING AND IT IS WRONG. ALL OF THESE COMPANIES HAVE NO RIGHT TO DO WHAT THEY ARE DOING. IF I HADNT READ THE LETTER I WOULD BE CHARGED MONTHLY FEESI HAVE GOTTEN AT LEAST FIVE OTHER LETTERS OF THE SAME TYPE DOING THE SAME THING. YOU ARE ALL WRONG AND DOING CRIMINAL ACTIVITIESTHE BANK I DEAL WITH TOLD US THIS IS TOTALLY ILLEGAL AND THEY WILL TRY TO PRESS CHARGES AGAINST ALL THESE COMPANIES.Sincerely,*** *** ***

Thank you for your correspondence regarding *** ***’s concerns with her *** *** and *** *** memberships, services provided by *** CorporationBy way of background, *** *** and *** *** are part of an established membership-based
discount service company. We jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join *** *** and *** *** in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billings along with the names of the services to identify the chargesAfter researching her concerns, we found that *** *** enrolled in both our *** *** and *** *** services on March 31, 2016, after being transferred to one of our representatives by *** ***. During that call, *** *** was told about special offers for trying the services for trial periods. The offer for joining *** *** was two (2) $rebates for *** *** reservations. The offer related to *** *** was $in gas purchase rebates*** *** and *** *** go to great lengths in order to ensure that an authorized person agrees to the memberships. If *** *** did not inform us that she wished to cancel the memberships at the end of the trial periods, she would be charged the monthly membership fees. Trial members could cancel at any time within the trial periods by simply calling the toll-free numbers which are provided during enrollment and listed on the membership materials and owe nothing further. A separate phone number to call to cancel each service was provided to *** *** during the enrollment process. Please be assured that we make every effort to ensure that members are satisfied with their memberships in *** *** and *** *** As such, *** ***’s *** *** membership was canceled on April 26, 2016, and she was not charged a monthly fee. *** ***’s *** *** membership was canceled on May 14, 2016, and refunds totaling $are being issued to her debit card account as full reimbursement of the fees that she was charged for this service We apologize for any inconvenience that *** *** may have experienced and hope that this matter has been resolved to her satisfactionSincerely, Jason A*** Customer Relations

Thank you for *** ***'s correspondence regarding her concerns with her Great Fun and Shoppers Advantage memberships, services provided by Trilegiant Corporation
By way of background, Great Fun and Shoppers Advantage are part of an established membership-based discount
service companyWe jointly market our memberships with our clients to their respective customersWe always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in the servicesAn individual member may join Great Fun and Shoppers Advantage in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billedTo ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billings along with the names of the services to identify the charges
Our records indicate that Ms*** was enrolled in our Great Fun and Shoppers Advantage services on February 5th, 2014, after making a purchase from *** and then responding to an offer to receive a rebate on her recent purchase by calling a toll free numberUpon calling the toll free number, Ms*** was presented with the option to enroll in both Great Fun and Shoppers Advantage, which our records indicate she acceptedThe offer related to the Great Fun membership was $in rebates for purchases from ***The offer for enrolling in Shoppers Advantage was $in gas purchase rebatesAccording to the terms of the agreements for the services, if Ms*** did not inform us that she wished to cancel the memberships at the end of the trial periods, she would be charged the current monthly membership fees
Great Fun and Shoppers Advantage go to great lengths in order to ensure that an authorized person agrees to the membershipOur records indicate that Ms*** provided her date of birth to the representative confirming her authorization to enroll in the Great Fun and Shoppers Advantage services
Please be assured that we make every effort to ensure that members are satisfied with their memberships in Great Fun and Shoppers Advantage. As such, Ms***’s Great Fun membership was canceled on March 21st, 2014, and she was not charged a monthly feeAdditionally, Ms***’s Shoppers Advantage membership was canceled on March 21st, 2014, and credits totaling $were issued to her debit card account as full reimbursement of the fees she was charged for the service
We apologize for any inconvenience that Ms*** may have experienced and hope that this matter has been resolved to her satisfaction
Sincerely,
*** ***Customer Relations

Thank you for your correspondence regarding *** *** concerns with *** *** ***, a service provided by *** * *** ** ***, Inc We jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post
charges to a customer’s account prior to billing and enrolling the consumer in *** *** ***. An individual member may join *** *** *** after placing an online order at *** ***, and the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billing along with the name of the service to identify the charge. Our records indicate that Mr*** was enrolled in the *** *** *** service on February 28, 2014, after placing an online order on the *** *** website. The *** *** *** membership was described to Mr*** at the time of the enrollment, including billing and cancellation terms. Mr*** accepted the offer by clicking the “Yes” button, indicating his agreement to enroll in the service. Please be assured that we make every effort to ensure that a member is satisfied with their membership in *** *** ***. As such, Mr*** membership was canceled on September 4, 2014. According to our records, Mr*** was successfully billed three $fees to his *** account. If Mr*** has his *** account linked to his checking account, it is possible that our transactions reflected on his *** statement before the actual funds were withdrawn from his checking account. Please ask Mr*** to contact *** customer service to confirm if this is what has occurred. Refunds totaling $were issued to Mr*** *** account as full reimbursement of the fees that he was charged for the service, but we believe that only one credit of $successfully posted to his account. A refund check of $was mailed to Mr*** as reimbursement of the remaining two fees We apologize for any inconvenience that Mr*** may have experienced and hope that this matter has been resolved to his satisfaction. Sincerely,
*** ***Customer Relations

Complaint: ***
I am rejecting this response because: At no time did I agree to participate in the Shoppers Advantage program either verbally or in written form Until noticing the recurring charges on my *** Card I had never heard of Shoppers Advantage This is the type of business practice that has contributed to the Revdex.com giving Affion Group a "D" rating I am basing that on what I have read about Affion Group on the Revdex.com website
Sincerely,
*** ***

Thank you for your correspondence regarding *** ***’s concerns with his Great Fun membership, a service provided by Trilegiant Corporation.By way of background, Great Fun is part of an established membership-based discount service companyWe jointly market our memberships with our clients to
their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in our services. An individual member may join Great Fun in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billing along with the name of the service to identify the charge.Our records indicate that Mr*** was enrolled in both our Great Fun and Shoppers Advantage services on October 8, 2014, after making a reservation from *** Airlines and then responding to an offer to receive a rebate on his recent purchase by calling a toll free number. Upon calling the toll free number, Mr*** was presented with the option to enroll in both Great Fun and Shoppers Advantage, which our records indicate he accepted. The offer for joining Great Fun was two (2) $rebates for *** Airlines reservations. The offer related to Shoppers Advantage was $in gas purchase rebates. According to the terms of the agreements for Great Fun and Shoppers Advantage, if Mr*** did not inform us that he wished to cancel the memberships at the end of the trial periods, he would be charged the current monthly membership fees.Please be assured that we make every effort to comply with a member’s request to cancel their memberships in Great Fun and Shoppers Advantage for any reason. As such, Mr***’s Great Fun membership was canceled on November 3, 2015, and refunds totaling $will be issued his credit card account as full reimbursement of the fees that he was charged for the service. Mr***’s Shoppers Advantage membership was previously canceled on February 5, We apologize for any inconvenience that Mr*** may have experienced and hope that this matter has been resolved to his satisfaction.Sincerely,Jason A***Customer Relations

Thank you for Ms*** additional correspondence. Using this information, we were able to locate a membership for Ms*** in our *** *** program. Our records indicate that Ms*** was enrolled in the *** *** service after receiving a solicitation which was mailed to select *** customers. A consumer who received the solicitation was invited to cash a check for $to activate their membership. If the check was cashed, the consumer would have received the membership free for a trial periodTrial members could cancel at anytime within the trial period by simply calling a toll-free number, which was listed on the membership materials and owe nothing. Otherwise, their membership continued and the semi-annual membership fee was charged to their credit card. The solicitation piece fully disclosed the terms of the offer. The front and back of the check stated that cashing the check activated the *** *** membership. Furthermore, the letter that enclosed the check also stated, on the front and the back, that cashing or depositing the check automatically enrolled the consumer in the service. Our records indicate that Ms*** was enrolled in *** *** on January 28, 2008, after she cashed the check for $9.25. We are mailing Ms*** a copy of the check for her review. Please be assured that we make every effort to ensure that a member is satisfied with their membership in *** ***. As such, Ms*** membership was canceled on May 18, 2015, and a refund of $was issued to her credit card account. An additional refund of $is being issued to her account as full reimbursement of the fees that she was charged for the service. We apologize for any inconvenience that Ms*** may have experienced and hope that this matter has been resolved her satisfaction. Sincerely, *** ***Customer Relations

April 2,
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VIA ONLINE SUBMISSION
Revdex.com (“Revdex.com”)
Revdex.com Complaint Department
RE: Revdex.com File #: ***
Dear Sir or Madam:
This correspondence is in regard to the above referenced complaint
filed with your office
Due to Privacy, we are not able to provide specific information
regarding insurance related matters on this websitePlease be assured that a
written response addressing all issues raised by the complainant will be sent
directly to the Primary Insured under separate cover within the next seven (7)
to ten (10) business days
We appreciate your understanding regarding this matter
Sincerely,
Third Party Administrator
cc: carrier

Thank you for your correspondence regarding *** ***’s concerns with Great Fun and Shoppers Advantage, services provided by Trilegiant Corporation
By way of background, Great Fun and Shoppers Advantage are part of an established membership-based discount service
company. We jointly market our memberships with our clients to their respective customers. We always obtain authorization from a consumer to post charges to a customer’s account prior to billing and enrolling the consumer in the services. An individual member may join Great Fun and Shoppers Advantage in a variety of ways, however in all instances the member must affirmatively agree to enroll and be billed. To ensure that consumers are satisfied, we process cancellation requests promptly. To facilitate cancellation, a toll-free number is printed on all membership materials and appears on the credit/debit card statement at the time of the billings along with the names of the services to identify the charges
Our records indicate that Ms*** was enrolled in Great Fun and Shoppers Advantage on April 2, 2014. On that date, Ms*** was asked if she would like to learn about a special offer when trying the services for trial periods. The offer for trying Great Fun was $worth of *** gift cards. The offer related to Shoppers Advantage was a $*** *** gift check. Ms*** provided her first and last name, address, and billing information in order to accept the offers in the services
During the enrollments, Ms*** was provided with the terms of the memberships in Great Fun and Shoppers Advantage. Great care is taken to ensure that the consumer authorizes enrollment in the programs. Unless the consumer affirmatively elects to subscribe, they will not be enrolled as a member, nor billed the fees at the end of the trial periods. Trial members may cancel at anytime within the trial periods by simply calling our toll-free numbers, which are provided during enrollment and listed on the membership materials and owe nothing further
Please be assured that we make every effort to ensure that members are satisfied with their memberships in Great Fun and Shoppers Advantage. As such, Ms***’s Great Fun membership was canceled on May 22, 2014, and the monthly fee of $is being refunded to her debit card account. Ms***’s Shoppers Advantage membership was canceled on May 27, 2014, and an additional refund of $will be issued to her debit card account as reimbursement of the monthly fee that she was charged for this service. We will also issue refunds for the two $trial fees that Ms*** was charged for the programs
In her complaint, Ms*** references charges to her account for $and $1.99. Trilegiant Corporation would not be associated with these transactions
We apologize for any inconvenience that Ms*** may have experienced and hope that this matter has been resolved to her satisfaction
Sincerely,
*** ***
Customer Relations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** *** this is the account number that they gave me when the money was removed from my card a second time when it should have already been cancelled