Affinion Group, Inc.

Thank you for your correspondence regarding *** *** concerns with his 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 Buyers 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 billing along with the name of the service to identify the charge.Our records indicate that Mr*** was enrolled in both our Buyers Advantage and Great Fun services on February 18, 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 Buyers Advantage and Great Fun, which our records indicate he accepted. According to the terms of the agreements for Buyers Advantage and Great Fun, 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.Buyers Advantage and Great Fun go to great lengths in order to ensure that an authorized person agrees to the memberships. Our records indicate that Mr*** provided his first and last name, address, and billing information to enroll in the services Please be assured that we make every effort to ensure that members are satisfied with their memberships in Buyers Advantage and Great Fun. As such, Mr*** Buyers Advantage membership was canceled on August 4, 2015, and a full refund totaling $is being issued to his credit card account. Mr*** Great Fun membership was canceled on August 5, 2015, and additional refunds totaling $are being issued to his account as full reimbursement of the fees that he was charged for this 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 *** *** concerns with her Everyday Privileges Gold membership, a service provided by Trilegiant Corporation
By way of background, Everyday Privileges Gold 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 customers’ account prior to billing and enrolling the consumer in our services. An individual member may join Everyday Privileges Gold 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
After researching her concerns, we found that Ms*** was enrolled in our Everyday Privileges Gold service on August 20, 2009, after being transferred to one of our representatives by ***Everyday Privileges Gold goes to great lengths in order to ensure that an authorized person agrees to the membership. If Ms*** did not inform us that she wished to cancel this membership at the end of the trial period, she would be charged the monthly membership feeThe terms of the agreement provided that, in order to ensure uninterrupted service, the membership would be renewed each month 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 Everyday Privileges Gold. As such, Ms*** membership was canceled on October 14, 2014, and a refund of $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,
*** ***
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,
*** ***

June 30,
VIA ONLINE SUBMISSION
Revdex.com (“Revdex.com”)
Revdex.com Complaint Department
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RE: Revdex.com Case #: ***
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 *** *** concerns with his *** *** and *** *** memberships, services provided by *** Corporation
By 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 charges
After researching his concerns, we found that *** *** was enrolled in both our *** *** and *** *** services on June 21, 2014, after being transferred to one of our representatives by *** Hotels. *** *** and *** *** go to great lengths in order to ensure that an authorized person agrees to the memberships. If *** *** did not inform us that he wished to cancel his memberships at the end of the trial periods, he was enrolled at the monthly membership fees. The terms of the agreements provided that, in order to ensure uninterrupted service, the memberships would be renewed each month at the then current membership fees
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 August 8, 2014, and a refund of $is being issued to his debit card account as reimbursement of the monthly fee that he was charged. *** ***’s *** *** membership was also canceled on August 8, 2014, and he was not charged a monthly fee for the service
We apologize for any inconvenience that *** *** 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 *** *** and *** *** memberships, services provided by *** Corporation."> By 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 your correspondence regarding *** ***’s concerns with his Shoppers Advantage membership, a service provided by Trilegiant Corporation
By way of background, Shoppers 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 the service. An individual member may join 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 billing along with the name of the service to identify the charge
After researching his concerns, we found that Mr*** was enrolled in our Shoppers Advantage service on June 17, 2010, after being transferred to one of our representatives by ***. Shoppers Advantage 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 his membership at the end of his trial period, he was charged at the monthly membership fee. The terms of the agreement provided that, in order to ensure uninterrupted service, the membership would be renewed each month 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 Shoppers Advantage. As such, Mr***’s membership was canceled on June 24, 2014, and a refund of $will be issued to his credit card account as full reimbursement of the 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

May 30, 2017 VIA UPLOAD RE: Revdex.com #: *** Dear *** *** We are contacting you in response to the above referenced complaint. Unfortunately, as the nature of this matter pertains to insurance for privacy reasons we are unable to respond via
your public website. Please be assured our response, addressing the insured's concerns, was mailed to the insured today via overnight mail. Our response also provides the insured a direct contact within our organization should they have any additional questions. Although we are unable to respond to you, we have advised the insured they may share our response with you at their discretion. We appreciate your understanding regarding this matter. Sincerely, Third Party Administrator CC: Carrier

Thank you for your correspondence regarding *** ***’s concerns with his Great Fun and Shoppers Advantage memberships, services provided by Trilegiant Corporation
Our records indicate that Mr*** was enrolled in both our Great Fun and Shoppers Advantage
services on February 23rd, 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 and Shoppers Advantage. The offer for joining Great Fun was $worth of rebates for purchases from ***. The offer related to Shoppers Advantage was $in rebates for gas purchases
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 of purchase, and I will have his rebates processed by our Claims department
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, Mr***’s Great Fun and Shoppers Advantage memberships were both canceled on March 21st, 2014, and a refund of the $trial fees will be issued to his credit or debit card account.
We apologize for any inconvenience that Mr*** may have experienced and hope that this matter has been resolved to his 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,
Amanda S***

Complaint: ***
I am rejecting this response because:
Sincerely,
*** *** The debit card associated with these charges has been deactivatedUSAA bank will contact your company to collect the refund due to our accountPlease do not make any reversals as the card used has been deactivated

From: *** ***] Sent: Wednesday, September 14, 9:AM To: Revdex.com *** Subject: RE: You have a New Message from Revdex.com Serving Connecticut Regarding Complaint *** Good morning, I just wanted to let you know that
F.Y.Ehas contacted me via *** *n response to my post on their siteThey stayed they will be refunding me the entire amount and have confirmed the cancelation of the serviceThey were extremely professional and attentive to the whole matterAs long as they do actually refund the money, I am very pleased with how this was handled by them *** ***

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,
*** *** ***

Thank you for your correspondence regarding *** *** additional concerns
Please ask *** *** to allow seven business days for the remaining refunds to post to his debit card account
Sincerely,
*** ***
Customer Relations

Thank you for your correspondence regarding *** *** concerns with his Great Fun membership, a service provided by Trilegiant Corporation Our records indicate that *** *** was enrolled in our Great Fun service on January 24, 2015, 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, *** *** was presented with the option to enroll in Great Fun. The offer for joining Great Fun was two $30 *** purchase rebates. In order to avail himself of the promotional offer, *** *** 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 of purchase. Upon receipt of the completed rebate forms and receipts, *** *** rebate checks would have been delivered within 4-weeks. Our records indicate that *** *** has returned both of his rebate forms but only one *** receipt. This caused one of *** *** rebates to be denied while the other one was approved. *** *** should be receiving that rebate check shortly. In order to uphold our high level of customer satisfaction, we have now requested for the additional rebate to also be paid*** *** should receive the additional rebate check within the next ten to fifteen business days. In addition, *** *** Great Fun membership was canceled on February 18, 2015, and he will not be charged a monthly fee for the service. We apologize for any inconvenience that *** *** may have experienced and hope that this matter has been resolved to his satisfaction. Sincerely, *** ***Customer Relations

Thank you for your correspondence regarding *** *** additional concerns with his Travelers Advantage and Great Fun memberships
We have reviewed Mr*** enrollment call and have verified that Mr*** explicitly authorized enrollment in both Travelers Advantage and Great Fun. Great care is taken to ensure that the consumer authorizes enrollment in the services. Please have Mr*** contact me at ###-###-#### if he would like to listen to a recording of the enrollment call
Again, please be assured that we make every effort to ensure that members are satisfied with their memberships in Travelers Advantage and Great Fun. As such, Mr*** Travelers Advantage membership was canceled on October 28, 2014, and a full refund of $was issued to his credit or debit card accountMr*** Great Fun membership was canceled on April 16, 2014, and he was no longer charged a monthly fee for the service
We again 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 *** *** concerns with his Shoppers Advantage and Great Fun memberships, services provided by Trilegiant Corporation Please be assured that we make every effort to comply with a member’s request to cancel their memberships in
Shoppers Advantage and Great Fun for any reason Accordingly, if a customer is dissatisfied with the services under the programs, the company will cancel the memberships and they will owe nothing further. Mr*** can be assured that his Shoppers Advantage membership was canceled on June 22, 2015, and a refund of $will be issued to his credit card account. Mr*** Great Fun membership was also canceled on June 22, 2015, and an additional refund of $will be issued to his account as reimbursement of the monthly fees that he was charged for this 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

This letter is a response to your correspondence regarding the complaint of Mr*** *** ***
Our records show that Mr*** *** completed an online transaction at www.*** on August 14, After completing the
transaction he was offered a free 30-day trial of our Reservation Rewards service and a $Cash Back Incentive for trying our service, which he accepted.
Mr*** *** accepted the trial membership offer for Reservation Rewards by entering the email address *** twice and then clicking the “YES!” button on the page Immediately to the left of the “YES!” button are the “Offer and Billing Details.” The Offer and Billing Details set forth the terms of the offer, including the $monthly membership fee following the free trial and advise the consumer that the fee will be billed to the credit or debit card he used for his transaction with ***Immediately above the location on the offer page where Mr*** *** entered his email address twice and clicked “Yes” is the following statement:
“By entering my email address as my electronic signature and clicking YES, I have read and agree to the Offer and Billing Details and authorize *** to securely transfer my name, address and credit or debit card information to Reservation Rewards for billing and benefit processing.”
Thus, by accepting the offer, Mr*** *** agreed that the Reservation Rewards $monthly membership fee would be billed to the credit or debit card used in connection with his transaction with ***Immediately after clicking the “YES!” button, Mr*** *** was taken to another screen welcoming him to the programThis page advised Mr*** *** that he had just joined Reservation RewardsWithin the next few minutes, Mr*** *** was sent an email from us including his membership kit and password and reminding him to use his $Cash Back Incentive
On August 15, 2008, we sent Mr*** *** an email reminding him to use the benefits of his membershipOn August 21, 2008, we sent Mr*** *** an email reminding him to use his $Cash Back IncentiveOn September 1, 2008, we sent Mr*** *** an email to remind him that the free trial membership would conclude on September 13, 2008, and at that time, he would be billed the monthly membership feeThe email also included our toll-free telephone number if he wished to cancel, in which event, he would not be charged
Mr*** *** was charged the first $monthly membership fee at the end of his free trial membership on September13, That same day, we sent Mr*** *** an email reminding him of the benefits of the membership. Mr*** *** was charged the monthly membership fee from September to March 2014. In addition, we continued to send emails to Mr*** *** on the following dates: October 13, 2008, November 12, 2008, December 12, 2008, January 14, 2009, February 10, 2009, March 12, 2009, April 11, 2009, May 11, 2009, June 10, 2009, July 10, 2009, August 9, 2009, September 8, 2009, October 12, 2009, November 7, 2009, December 7, 2009, January 6, 2010, February 5, 2010, March 7, 2010, April 6, 2010, May 6, 2010, June 5, 2010, July 5, 2010, August 4, 2010, September 2, 2010, October 2, 2010, November 1, 2010, December 1, 2010, December 31, 2010, January 30, 2011, March 1, 2011, March 31, 2011, April 30, 2011, May 30, 2010, June 29, 2011, July 29, 2011, August 28, 2011, September 27, 2011, October 27, 2011, November 26, 2011, December 26, 2011, January 25, 2012, February 24, 2012, March 25, 2012, April 24, 2012, May 24, 2012, June 23, 2012, July 23, 2012, August 22, 2012, September 21, 2012, October 22, 2012, November 21, 2012, December 21, 2012, January 20, 2013, February 19, 2013, March 21, 2013, April 20, 2013, May 20, 2013, June 19, 2013, July 19, 2013, August 18, 2013, September 17, 2013, October 17, 2013, November 16, 2013, December 16, 2013, January 15, 2014, February 14, and March 16, 2014, reminding him to use all the benefits of the Reservation Rewards service
Mr*** ***’s Reservation Rewards membership was canceled on March 24, and (67) sixty-seven credits of $were issued to his account. These credits represent full reimbursement of membership fees that were billed to his account. If the credits do not successfully post to his account then a check will be issued to Mr*** ***
Reservation Rewards makes every effort to be straightforward with its offers, allowing consumers to make educated choices regarding the products and services they purchaseFor this reason, it puts the most significant details of its offers in a prominent location -- immediately next to the acceptance button (so that a consumer will have those details in front of him or her before joining the service)In addition, Reservation Rewards places its key offer details on the very same page as the “YES!” button rather than requiring a consumer to click through one or more links in order to find these detailsMoreover, when a misunderstanding such as the one with Mr*** *** occurs, we are pleased to cancel a customer’s membership, as we have in this instance.
We believe we treated Mr*** *** in a fair and correct manner, and our records reflect that Mr*** *** took several affirmative steps to sign up for the Reservation Rewards service and received multiple communications from us, including a pre-billing notification, prior to the first charge on his credit or debit card. We trust this resolves this matter, however, if you have questions or need additional information, please do not hesitate to contact me
Sincerely,
*** ** ***
Manager, Customer Relations

Thank you for your correspondence regarding *** *** concerns with her Shoppers Advantage membership, a service provided by
T*** Corporation
By way of background, Shoppers 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 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 billing along with the name of the service to identify the charge
After researching her concerns, we found that *** *** enrolled in both our *** *** *** *** *** services on January 3, 2015, after making a purchase from *** and then responding to an offer to receive a rebate on her recent purchase by calling a toll free number. Upon calling the toll free number, *** *** was presented with the option to enroll in both *** *** *** *** ***, which our records indicate she accepted. The offer for joining *** *** was two (2) $rebates for purchases from ***. The offer related to *** *** was $in gas purchase rebates.
*** *** *** *** *** 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 was to 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 comply with a member’s request to cancel their memberships in *** *** *** *** *** for any reason. As such, *** ***’ *** *** membership was canceled on January 23, 2015, and she was not charged a monthly fee for the service. We could find no previous requests by *** *** to cancel her *** *** membership, but she can be assured that the membership was canceled on August 15, 2016, 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 *** *** may have experienced and hope that this matter has been resolved to her satisfaction
Sincerely,
Jason A***
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,
*** ***