AG Jewelers

To whom it may concern, We are writing you corresponding to Quinton Cuevas consumer complaint against us, AG JewelersIn response to the consumer complaint: We, AG Jewelers, in addition to our 3rd party finance company Pioneer Services, did not violate the Truth in Lending Act and any other lending statuesEnclosed in this email is copies of the customers funding documentation in which is given to all of our customersIn addition, Pioneer Services call all customers and welcome them to their servicesThe customers credit application signed and dated, his federal disclosure statement signed and dated, loan repayment election form signed an dated, I.Dcopies, signed contract and dated, and signed and dated purchase agreementThe warranty covers up to 1/4th carat of missing diamonds in addition to ring sizing cleaning and if necessary rhodiumThe customer purchased multiple items as stated on the sales receiptIf the customer wants, he can go to any gemological lab and see that the diamonds are real and the gold is real as wellWe would be more than happy to get the ring appraised if the customer wants to take that route as wellIf you have any more questions,Please feel free to contact us back here or call us at Thank you for your time, [redacted] Attractive Gems Jewelers Online Support

The customer came into the store the next day at 11:45am in regards to his purchaseHe was informed that on his documents the credit personnel did explain to him in addition to highlight the paperwork stating the stores day even exchange policyIn addition on his purchase agreement he gave us the authorization to make the custom items in addition to make the necessary alterations and ship the merchandise to the address provided by the customerUnfortunately, he also went through a 3rd party bank as wellUpon approval, custom item was being made within hours of receiving the paymentSee Attachments

I made a transaction with said name businness on Friday February 23, but after reviewing the purchase with my associates I realized it wasn’t a sound choiceOn Saturday February 24th I returned to the Jewelers and asked to cancel the transaction as I had not yet received the products I purchasedThe store would not comply and said they have a no refund policy, I notified them I have up to days to cancel any transaction and they disputed thisMy associates also noticted the suspect businness techniques that they used to convince me to make the purchase

This business extended credit to me in violation of the Truth in Lending Act and other lending statues, to include violations: -Not disclosing my number of monthly payments -Not disclosing my interest rate -Extending credit for a consumer good that fails to serve its purpose (i.eviolates the implied warranty of merchantability) Furthermore, the good I attempted to purchase was a ring, which may be fakeThis would be: -Violation of California Civil Code section 1770(a), known as the Consumer Legal Remedies Act, to include "[r]epresenting that goods or services may be of a particular standard, quality, or grade, or that goods are of a particular style or model, if they are of another."

On March 4, 2017, my fiancé and I bought an engagement ring and wedding band from this businessWe signed all the necessary paperwork and were pressure over and over again to put a down payment down by the sales personWhile all the paperwork was being processed, I spoke to the salesperson and was informed that it would take 2-weeks to receive my custom-made ringAfter weeks, we called to get tracking information on the ring (I live out of state so the ring had to be shipped to me)We were then told that they had in the system that my fiancé was to pick up the ring so that issue was easily resolved, but we were also told the ring would not ship until April 25th, well over a month and a half laterI immediately called and was offered a loaner ring until the ring was finished, but I did not want that and I was told there was nothing else I could doAfter speaking to my fiancé again I called back and requested information on putting a rush on the ring, that had been discussed with him but not even mentioned to meI was told the owner would have to call us back about that the next dayOn the same call, I requested for my ring to be authenticated before being shipped to me, and I was informed that a note was put in the file to have that doneThe next day my fiancé spoke to the owner and the ring was set to ship by the end of March, which it didI received the ring April 3, it came with no certificate of authenticity and the ring was made with the wrong metalThat night I called and spoke to the manager Teresa, she offered to fix the ring and authenticate it for free but I’d have to ship it back to California and I did not want to do thatShe told me I could come in at any point and have it authenticated for free after I informed her I would possibly be in California in August, but there was no guarantee of thatMy fiancé, called and spoke to Skylar that night to discuss a billing problem and speak on these issues and was told that we would have to pay $to get the ring metal fixed and after August it would cost up to $to get it authenticated, completely different information from that I was toldNow it is days after I received the ring and a diamond has fallen outI called and spoke to Teresa once again asking to return the ring and have payments stopped, not requesting money backThe store does not do returns of any kind after payments have been madeMy fiancé had made two payments before the ring was ever received and was pressured into making a down payment by sales person Beto SEffectively locking us in with no way to leave this dealThere was no way for us to ever return this item because payments were made prior to the ring being received and now we will have to pay to have the ring fixedAfter speaking to Teresa today the bill has been reduced by $500, but I cannot exchange the ring and I am still unable to return itMy fiancé is still losing money over an incorrect product w would have to pay to get fixed, without a real appraisal being done on the ring to this point to authenticate what we are paying

Wonderful employees

Went in there and everyone was friendly and extremely helpfulGreat customer service and they genuinely are in it for the customer and not the business

Mary is really niceThanks to her I would go back there again

I made a transaction with said name businness on Friday February 23, but after reviewing the purchase with my associates I realized it wasn’t a sound choiceOn Saturday February 24th I returned to the Jewelers and asked to cancel the transaction as I had not yet received the products I purchasedThe store would not comply and said they have a no refund policy, I notified them I have up to days to cancel any transaction and they disputed thisMy associates also noticted the suspect businness techniques that they used to convince me to make the purchase

Very friendly beautiful girls that are not *** just young cute women that are doing there best not to get walked over by marines that can’t respect anything but themselvesThey went over there whole ordeal about how there store gives the buyer amazing credit help in just a short amount of time an is a great way for younger people to get a jump start on a better financial hold of there credit without any hassle of over payments or not being able to make there very reasonable monthly payments that you your self can decideOver all wonderful crew and great help for people who want to actual get them selves financially stable

Great serviceGreat employees and they are very professional and friendlyAnd they are also helping me with my credit tooI love this place

I found myself being taken advantage of by this retail store AG JewelersI want to do anything and everything in my power to have to store exposed and shut down This business extended credit to me in violation of the Truth in Lending Act and other lending statues, to include violations: -Not disclosing my finance charge
-Not disclosing my amount financed-Extending credit for a consumer good that fails to serve its purpose (i.eviolates theimplied warranty of merchantability)Not disclosing the total amount paid after scheduled paymentsLeft the store with papers Which did not include a copy of agreement with violates §General disclosure requirementsSales associate stole my financial informationmy credit card was used as a form of ID which was photocopied without my discretion and automatically assumed upon the company to be used as the source for monthly paymentsbait and switch scam tactic was also utilized which is illegal under the competition actAlong with that, I did not fill out ANY loan application myself they took it upon themselves to do so in the back I do not Know why my application was rejectedThe creditor did not tell me specific reasonsupon my return home and after receiving mailI learned I was applied for various loans from numerous loan agencys all being deniedI do not have any knowledge who I am financed through
This store is not making the disclosure they were required to makethis store is financially taking advantage of consumers especially young military such as myself

This business extended credit to me in violation of the Truth in Lending Act and other lending statues, to include violations:
-Not disclosing my number of monthly payments
-Not disclosing my interest rate
-Extending credit for a consumer good that fails to serve its purpose (i.eviolates the implied warranty of merchantability)
Furthermore, the good I attempted to purchase was a ring, which may be fakeThis would be:
-Violation of California Civil Code section 1770(a), known as the Consumer Legal Remedies Act, to include "[r]epresenting that goods or services may be of a particular standard, quality, or grade, or that goods are of a particular style or model, if they are of another."

The customer came into the store the next day at 11:45am in regards to his purchase. He was informed that on his documents the credit personnel did explain to him in addition to highlight the paperwork stating the stores 30 day even exchange policy. In addition on his purchase agreement he gave...

us the authorization to make the custom items in addition to make the necessary alterations and ship the merchandise to the address provided by the customer. Unfortunately, he also went through a 3rd party bank as well. Upon approval, custom item was being made within hours of receiving the payment. See Attachments

To whom it may concern, We are writing you corresponding to Quinton Cuevas consumer complaint against us, AG Jewelers. In response to the consumer complaint: We, AG Jewelers, in addition to our 3rd party finance company Pioneer Services, did not violate the Truth in Lending Act and...

any other lending statues. Enclosed in this email is copies of the customers funding documentation in which is given to all of our customers. In addition, Pioneer Services call all customers and welcome them to their services. The customers credit application signed and dated, his federal disclosure statement signed and dated, loan repayment election form signed an dated, I.D. copies, signed contract and dated, and signed and dated purchase agreement. The warranty covers up to 1/4th carat of missing diamonds in addition to ring sizing cleaning and if necessary rhodium. The customer purchased multiple items as stated on the sales receipt. If the customer wants, he can go to any gemological lab and see that the diamonds are real and the gold is real as well. We would be more than happy to get the ring appraised if the customer wants to take that route as well. If you have any more questions,Please feel free to contact us back here or call us at 619.228.9661 Thank  you for your time, 
[redacted]Attractive Gems Jewelers Online Support