American General Life & Accident Insurance Co

Initial Business Response / [redacted] (1000, 5, 2016/01/12) */ Dear Ms [redacted] , EVINE Live is in receipt of your letter to the Revdex.com Our records indicate that on January 8th, you placed order number XXXXXXXXX for an Orbit Self-Balancing hover board w/Samsung Battery & 1-Year Warranty requesting a payment plan of six monthly paymentsBy requesting the ValuePay option you are agreeing to the terms and conditions of ValuePay with EVINE LiveOrders may be subject to credit approval by EVINE Live and EVINE Live may review credit reports to qualify customers for ValuePayEVINE Live reserves the right to limit or restrict the use of ValuePay at any timeThis information is on our web site at www.evine.com When using ValuePay, EVINE Live is extending you credit because we ship merchandise to you before full payment is receivedBecause of this process, EVINE Live has a legally permissible purpose to pull a credit report as this information is intended to be used for a credit transactionWe use Equifax Information Services LLC to obtain credit report informationWe submit the customer's name and address as it is provided to usThere is also a disclaimer on our website and on air that indicates that ValuePay is available to qualifying customers If you have any further questions please contact our office at X-XXX-XXX-XXXX Sincerely, M [redacted] Credit Payment Specialist II Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) These practices are dishonest and deceptiveOt is not clear in your terms of use nor is it exllained clearly that a credit check will be ranWhy would I use my debit card to have a credit check when you all have a credit card that I could have applied for if I meeded creditThis response is not satisfactory and is an insult to me as a customer Final Business Response / [redacted] (4000, 9, 2016/01/14) */ Dear Ms [redacted] , We are in receipt of your letter to the Revdex.comIt appears that our previous communications with you did not explain the issue as well as you would have liked When order number XXXXXXXXX was placed online, you requested to use our ValuePay option, and you agreed to the terms and conditions of ValuePay with EVINE LiveOrders may be subject to credit approval by EVINE Live and EVINE Live may review credit reports to qualify customers for ValuePayThere is a disclaimer on our website and on air that indicates that ValuePay is available to qualifying customers EVINE Live reserves the right to limit or restrict the use of ValuePay at any timeThis information is our web site at www.evine.comWhen you are placing your order online and chose the ValuePay option there is a "What is ValuePay" icon which you can click on for more informationA disclaimer is also listed under "Terms Of Use." If you have any further questions please contact our office at X-XXX-XXX-XXXX Sincerely, M [redacted] Credit Payment Specialist II

Dear [redacted] , We have received your complaint from the Revdex.com regarding your order for Swagway Self Balancing Electric Scooter w/ BuiLED Lights (order# [redacted] ) I apologize for any inconvenience this has caused During our conversation August 24, you had disclosed to me that you have been provided communication from our agents that you may return item, but you were never able to receive our pre-paid labelAt that time I advised that I would need to follow up with the agents and have our quality control office review those callsIn our follow up conversation August 25, 2016, I stated that our quality control office confirms that you were provided misinformation about the returnIt is because of this miscommunication provided by our agents we are allowing you to return the productAs soon as the package is received a full refund will be issued to the credit card you used for the order If you would like to discuss this matter further, please contact me directly via telephone at ###-###-#### or ###-###-#### or via email at [redacted] between the hours of 9am-5:30pm EST, Monday through Friday Thank you for your understanding and cooperation Sincerely, Bridget [redacted] Executive Resolution Office Evine CC: Revdex.com

March 10, [redacted] Purvis , MS Cr: [redacted] Complaint ID: [redacted] Dear [redacted] , We have received your complaint from the Revdex.com regarding the Bit 1.5" LCD Touchscreen Smartwatch for Android or iOS w/ Two Straps (order# [redacted] )I apologize for any inconvenience this has caused After further research on your return, it was found that due to an unforeseen issue there was a delay in processing your return for the Apple watchI apologize for this delayWe have since issued a full refund as of March 9, The refund can take 3-business days to process back to your original method of paymentThis time frame depends on your financial institutions processing time and billing cycleOnce again I apologize in the delay of your refund If you have any further questions, please feel free to contact me directly via telephone at ###-###-#### or ###-###-#### or via email at [redacted] between the hours of 9am-5:30pm EST, Monday through Friday Thank you for your understanding and cooperation Sincerely, Bridget [redacted] Executive Resolution Office Evine

Initial Business Response / [redacted] (1000, 5, 2015/12/30) */ Dear [redacted] , We have received your complaint from the Revdex.com regarding your experience with your orders for the Invicta watches' and the Sony PS(order XXXXXXXXX and XXXXXXXXX)I apologize for any inconvenience this has caused Per our phone conversation on December 18, 2015, we discussed your concerns regarding both the watches and the PSYou had mentioned that you thought that since the first order for the PSwas on our ValuePay plan and it was canceled, you were under the impression that the watch order would be canceled as wellUnfortunately it was not, we then discussed our return policyDuring that call you had asked to speak with my supervisorOn December 23, my supervisor contacted you and you had indicated during that call that you could not talkAt that time our phone number to our office was provided so you may contact us at your convenience If you have any additional questions, you may contact me directly via telephone at XXX-XXX-XXXX or X-XXX-XXX-XXXX or via email at [redacted] @evine.com between the hours of 9am-5:30pm EST, Monday through Friday Thank you for your understanding and cooperation Sincerely, Bridget [redacted] Executive Resolution Office EVINE Live CC: Revdex.com

Initial Business Response / [redacted] (1000, 5, 2016/01/06) */ Dear [redacted] , We have received your complaint from the Revdex.com regarding the Waggoner Chocolates that shipped to the incorrect address (Order # XXXXXXXXX)I apologize for any inconvenience this has caused During our conversion on January 6, 2016, I advised you that since order was placed online and claimed that you had selected the correct address prior to placing your order, a refund would be issued back to the original method of payment that you usedI advised you to remove the old address from your online address book If you wish to discuss this matter further, please contact me directly via telephone at XXX-XXX-XXXX or X-XXX-XXX-XXXX or via email at [redacted] @evine.com between the hours of 9am-5:30pm EST, Monday through Friday Thank you for your understanding and cooperation Sincerely, Maria [redacted] Executive Resolution Office EVINE Live CC: Revdex.com

Dear Ms***, EVINE is in receipt of your letter to the Revdex.com Our records indicate that on August 14, you placed order number [redacted] for a 55” Samsung KUSmart 4K UHD TV requesting a payment plan of six monthly paymentsBy requesting the ValuePay option you are agreeing to the terms and conditions of ValuePay with EVINE LiveOrders may be subject to credit approval by Evine and Evine may review credit reports to qualify customers for ValuePay Evine reserves the right to limit or restrict the use of ValuePay at any timeThis information is on our web site at www.evine.com When using ValuePay, Evine is extending you credit because we ship merchandise to you before full payment is received Because of this process, Evine has a legally permissible purpose to pull a credit report as this information is intended to be used for a credit transactionWe use Equifax Information Services LLC to obtain credit report information We submit the customer’s name and address as it is provided to usYou were mailed a letter which explains why we are not able to extend the ValuePay option to you based on the information Equifax provided There is also a disclaimer on our website and on air that indicates that ValuePay is available to qualifying customers If you have any further questions please contact our office at ###-###-#### Sincerely, Kimberly [redacted] Credit Payment Specialist II Evine

Initial Business Response / [redacted] (1000, 5, 2015/12/01) */ Dear [redacted] ***, We are in receipt of your complaint to the Revdex.com regarding past due paymentsEvine Live would like to thank you for taking the time to share your concerns with us regarding your account Our records indicate that on July 15th, you placed order number XXXXXXXXX for the Wagner PaintReady Sprayer System w/ Extra Detail Finish Nozzle using our monthly ValuePay planThis order was placed on your Master card ending in ***Unfortunalty this card declined the charge for the November 15, ValuePayOur Reauthorization department does make several attempts to reach you regarding this matterUntil payment arrangments are made, further attempts will continueAs you have indicated in your complaint that you wish to pay by check, please send your payment to the address aboveIf you change your mind and wish to bring your account current by phone, please contact our Reauthorization department at X-XXX-XXX-XXXX Evine Live does not report to the Credit Bureaus, so this will not reflect against your credit ratingsWe hope that you continue to do business with Evine Live in the future If you have any further questions please contact our office at X-XXX-XXX-XXXX Sincerely, M [redacted] Credit Payment Specialist II Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) They just said jib jab nonsense which didn't even address how they are harassing me 4, times a day home and cell phonesYes, I told them I would send a check and told them to stop calling which they haven'tDue to this harassment I will send payment when they stop calling me all day longI decided I will send a money order instead don't want them to access my checking account by my account number which I'm sure they wouldThis is a terrible company and I will never do business with them again NEVER Final Business Response / [redacted] (4000, 9, 2015/12/02) */ Dear Mr***, We are in receipt of your letter to the Revdex.comIt appears that our previous communications with you did not explain the issue as well as you would have liked The order you placed with us was placed on our ValuePay planUnfortunalty your Master card declined the charge for the next installmentOur Reauthorization department does make several attempts to reach you regarding this matterUntil payment arrangments are made or your money order is received, further attempts will continueAt this time we have put these calls on hold for three days to allow time for your payment to be receivedIf you wish to bring your account current by phone, please contact our Reauthorization department at X-XXX-XXX-XXXX As previously stated, Evine Live does not report to the Credit Bureaus, so this will not reflect against your credit ratingsWe hope that you continue to do business with Evine Live in the future If you have any further questions please contact our office at X-XXX-XXX-XXXX Sincerely, M [redacted] Credit Payment Specialist II

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I understand the return policy which still leaves me wondering, if you have to allow days to return an item, how is that a day trial period? Maybe that is something that can be clarified by hosts when mentioning the return policy Thank you for your assistance in this matter

I am rejecting this response because: While I was assured that my feedback would forwarded on to their Merchandising team and Simmons to see if in the future EvineLive could offer Simmons Mattress' to their customers who reside in Hawaii; My requests for contact NOW to see if an agreement could be made was met with a flat "No" I believe in the validity of my argument, that I reside in close (accessible) proximity to the plantI was even willing to pick it up but EvineLive was completely inflexibleI explained that I made additional purchases from them, specifically for this productApologizing, without any good faith effort on their part to resolve the dilemma, leaves me to question their operation[redacted] ***

Initial Business Response / [redacted] (1000, 5, 2016/01/13) */ Dear [redacted] , We have received your complaint from the Revdex.com regarding your Invicta Reserve Men's Venom Swiss (order# [redacted] )I apologize for any inconvenience this has caused During our conversation on January 6, 2016, I advised you that I would request that Invicta contact you to assist you with the crown for your watchOn January 13, I contacted you and advised that Invicta stated that they had offered to either send you the needed part or have you send the watch to them for repair, however, you refused and said you no longer wanted the watch and wanted to return it for a refundI advised you that a late return cannot be authorized as Invicta was offering assistance, and your order is outside of EVINE Live's return policyYou advised me to request that Invicta send the part to you If you have any additional questions, please contact me directly via telephone at [redacted] or [redacted] or via email at [redacted] @evine.com between the hours of 8am-4:30pm CST, Monday through Friday Thank you for your understanding and cooperation Sincerely, LeShonn [redacted] Executive Resolution Office EVINE Live CC: Revdex.com Initial Consumer Rebuttal / [redacted] (3000, 8, 2016/01/14) */ MR [redacted] from Evine contacted me, I was told it was no way I can get an refund for this defective watchThey can sent me an crown but I would have to pay the jewelers to fix it My position is this is an new item that defective, why will I trust this product to not have other issuesThis company is playing hardball over an $item, that was purchase two weeks outside the holidays return periodI would like my money back, my dad was humiliated and want no parts of this item.Thanks I told Mr [redacted] that I wanted an refund, I would have to pay an jewelers to repair an defective new itemThis company is playing hardball over an $purchase that was purchase weeks outside the holidays return policiesEvine make this horror go away, you better than this.Thanks Final Business Response / [redacted] (4000, 10, 2016/01/15) */ Dear Donald [redacted] , We have received further correspondence in regards to your complaint with the Revdex.com regarding your Invicta Reserve Men's Venom Swiss (order# XXXXXXXXX)I apologize for any inconvenience this has caused The watch was ordered on September 22, and the day return timeframe has expired If you have any additional questions, please contact me directly via telephone at XXX-XXX-XXXX or X-XXX-XXX-XXXX or via email at [redacted] @evine.com between the hours of 8am-4:30pm CST, Monday through Friday Thank you for your understanding and cooperation Sincerely, LeShonn [redacted] Executive Resolution Office EVINE Live CC: Revdex.com

Dear Ms [redacted] , Evine is in receipt of your letter to the Revdex.com Our records indicate that on August 25, your final ValuePayment of $was paid on order number [redacted] This order is paid in full and we have notified Affiliated Credit Services to close this account We hope that you continue to do business with Evine in the futureIf you have any further questions, please contact our office at ###-###-#### Sincerely, Lynelle SCredit Payment Specialist II

We have received further correspondence from the Revdex.com regarding the Apple MacBook Air 13.3" 128GB SSD Intel iLaptop w/Accessories & Software Pack and the Data Logixx Memory Plus 64GB Card for Apple MacBooks (order# [redacted] ) that you placed with EvineI apologize for any inconvenience this has causedRegrettably, I have not received the information I requested from you on January 12, Since you no longer have the pictures, we have reopened your claim with our Claims DepartmentAs part of this investigation, claims paperwork will be required to be completed by youAll claims paperwork must be received back within 30-daysThese forms will be emailed to your email address, ***[redacted] @gmail.comPlease note, time is a significant factor in the claim investigation and it is imperative that Evine receives all paperwork within the allotted timeframeOnce the completed paperwork is received back signed and notarized, a refund will be processed to the original method of paymentIf you have questions please feel free to contact me directly via telephone at ###-###-#### or ###-###-#### or via email at [redacted] @evine.com between the hours of 9am-5:30pm EST, Monday through FridayThank you for your understanding and cooperationSincerely, Bridget [redacted] Executive Resolution Office Evine

Dear [redacted] , We have received your complaint from the Revdex.com regarding your return of the Apple iMac (order# [redacted] ) I apologize for any inconvenience this has causedDuring our conversation on April 20, 2016, you advised me that you had provided our vendor the necessary credentials to unlock the computer once they receive it backUpon receipt of the computer a full refund will be issued to the credit card that was used for the purchaseWe apologize for the delayIf you have any additional questions, please contact me directly via telephone at ###-###-#### or ###-###-#### or via email at [redacted] between the hours of 9am-5:30pm EST, Monday through FridayThank you for your understanding and cooperationSincerely, Bridget [redacted] Executive Resolution Office EVINE Live CC: Revdex.com [redacted]

I am rejecting this response because: I have watched segments where value pay is Available on an item The hostDOES NOT state the value pay terms, your credit will be pulled, credit is required to utilize value pay, etc I did not receive a letter or email stating the Blair pay option was declined I did not receive a letter stating the order was cancelledWhat you think may be happening in communicating to customers is not You are correct that it is stated in air and website that value pay is available to qualifying customers It DOES NOT state that your credit is pulled as art of the qualification process I want a call from Executive Management and not be goven an number to call Your customer knows nothing about how to resolve this and it sounds like you are one of them who doesn't either You need to remove the inquiry from my credit report and have someone call me The link you sent takes me to your websiteIt does not take me to any information on your website about value pay terms and conditions The issue is pulling of credit reports with out consent or knowledge of the consumer

Initial Business Response / [redacted] (1000, 5, 2016/01/26) */ Dear Myka [redacted] , We have received your complaint from the Revdex.com regarding the return of an Apple iPad Mini (order # XXXXXXXXX)I apologize for any inconvenience this has caused During your conversation with Bridget from our office on January 18, 2016, she advised you that a return had been processed earlier that morningYou should be able to verify refunds to your Visa card The UPS tracking number you provided shows that your return was received at our vendor on January 6, Unfortunately, the return was not processed until January 18, We are sending a letter of explanation along with this correspondence that you can present to your bank in an effort to resolve any late fees If you would like to discuss this matter further, please contact me directly via telephone at XXX-XXX-XXXX or X-XXX-XXX-XXXX or via email at ***@evine.com between the hours of 9am-5:30pm EST, Monday through Friday Thank you for your understanding and cooperation Sincerely, Douglas [redacted] Executive Resolution Office EVINE Live CC: Revdex.com Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) The business stated I would be receiving a letter to give to the bank to explain this but no letter is attached to this, no letter was sent to my email and I have not received a letter via mailBanks don't wait just because a company takes days to process a refund that was told prior, was being processed on the 14th of JanuaryOn top of that, I had to cover an extended late fee because they took their timeThis is no way to expect a customer to come back in the futureThe lack of communication in the [redacted] is terrible Final Business Response / [redacted] (4000, 9, 2016/02/03) */ Dear [redacted] , We have received further correspondence from the Revdex.com regarding your complaintI apologize for any inconvenience this has caused In your correspondence, you state that the letter mentioned in my response was not attached to the electronic response to the Revdex.comI apologize for any confusion this may have causedThe referenced letter, which you can present to your bank, was a physical copy that was mailed to you If you have further questions, please contact me directly via telephone at XXX-XXX-XXXX or X-XXX-XXX-XXXX or via email at ***@evine.com between the hours of 9am-5:30pm EST, Monday through Friday Thank you for your understanding and cooperation Sincerely, [redacted] Executive Resolution [redacted] EVINE Live CC: Revdex.com

[redacted] Monroe, LA 71203- Cr: [redacted] Complaint ID: [redacted] Dear [redacted] ***, We have received your complaint from the Revdex.com regarding your returnsI apologize for any inconvenience this has caused I have attempted to reach you via telephone to no availIf you would like to discuss this further, please feel free to contact me directly via telephone at ###-###-#### or ###-###-#### or via email at [redacted] between the hours of 9am-5:30pm EST, Monday through Friday Thank you for your understanding and cooperation Sincerely, Bridget [redacted] Executive Resolution Office Evine

Initial Business Response / [redacted] (1000, 5, 2015/11/10) */ Dear [redacted] ***, We have received your complaint from the Revdex.com regarding the damaged order you received (order# XXXXXXXXX)I apologize for any inconvenience this has caused During our conversation on November 10, 2015, I advised you that a full refund was issued on November 3, During this conversation, you advised that you had reordered the item (order XXXXXXXXX) and there was one broken bottle in the set when you received itAs you stated that you were not going to return the set as you were using it, I processed an adjustment in the amount of $24.92, which was applied to your remaining ValuePays If you have any additional questions, please contact me directly via telephone at XXX-XXX-XXXX or X-XXX-XXX-XXXX or via email at [redacted] @evine.com between the hours of 8am-4:30pm CST, Monday through Friday Thank you for your understanding and cooperation Sincerely, LeShonn [redacted] Executive Resolution Office EVINE Live CC: Revdex.com

Dear [redacted] , We have received your complaint from the Revdex.com regarding Samsung 4K UHD Choice of Size Smart LED TV w/Motion Rate &2nd Year Warranty (order# [redacted] )I apologize for any inconvenience this has caused During our conversation on January 27, we discussed our policy in regards to orders that are received by our customers defectiveIn addition once the TV has been picked up by YRC you would call me directly and I will confirm pickup and refund the order If you have any additional questions, please contact me directly via telephone at ###-###-#### or ###-###-#### or via email at [redacted] between the hours of 9am-5:30pm EST, Monday through Friday Thank you for your understanding and cooperation Sincerely, Bridget [redacted] Executive Resolution Office Evine

Initial Business Response / [redacted] (1000, 5, 2016/03/11) */ Dear [redacted] , We have received your complaint from the Revdex.com regarding your return of the Brad Skincare the Ultra Collection (order# [redacted] )I apologize for any inconvenience this has caused Per our conversation on March 9, 2016, I advised you that since you stated that this order was returned in the same package as another order that had been processed as a return, that I would process a full refund of this orderThis return has been processed, and you can verify the refunds for the three ValuePays with your Visa provider If you have any additional questions, please contact me directly via telephone at [redacted] or [redacted] or via email at [redacted] @evine.combetween the hours of 9am-5:30pm EST, Monday through Friday Thank you for your understanding and cooperation Sincerely, Bridget [redacted] Executive Resolution Office EVINE Live CC: Revdex.com Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/03/15) */

I am rejecting this response because: I did not ask for a credit card from them I gave them my credit card for the items that what they ask for I never gave them the OK to check my credit when I was using my credit card I did not sign for them to do a credit report and it looks like they are going to keep saying I did ask them to do that and it looks to me that they don't care what they did which makes me to have to file a report with the Fair Credit Act and if I understood them that this company may have to pay a fine for in proper credit checks with out the way it is to be done now all I'm asking is that they have it remove from my report that all I want them to do and if they will do it then I will drop the complaint and if they not willing then I will continue to file with the F C AThank you again for your help Your [redacted] ***