American General Life & Accident Insurance Co

I am rejecting this response because: I have made numerous transactions with Evine over the years and used Value Pay every time I made a purchase and never have I had an inquiry on my credit before. So my January transaction should of not been any different. At this time I am asking that Evine in good faith removed the credit inquiry from my credit report as a show of good faith to assist their customer.  Please be aware that if this matter can not be corrected my next steps are to contact the consumer protection agency and the federal trade commission along with reaching out to the media. I hope that we can resolve this issue without me taking further measures.

Initial Business Response /* (1000, 16, 2015/10/01) */
Dear [redacted],
We have received your complaint from the Revdex.com regarding an order for a love seat and sofa (O# XXXXXXXXX). I apologize for any inconvenience this has caused.
I have attempted to reach you via telephone...

to no avail.
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 8am-4:30pm CST, Monday through Friday.
Thank you for your understanding and cooperation.
Sincerely,
Bridget [redacted]
Executive Resolution Office
EVINE Live
CC: Revdex.com

Dear [redacted],   We have received your complaint from the Revdex.com regarding the missing parts for your Homebasica Platform Bed (order# [redacted]).  I apologize for any inconvenience this has caused.   I have attempted to reach you via telephone and through email to...

no avail.   If you wish to discuss this matter further, please contact me directly via telephone at ###-###-#### or ###-###-#### or via email at [redacted] between the hours of 8am-5:30pm EST, Monday through Friday.   Thank you for your understanding and cooperation.   Sincerely,     LeShonn [redacted] Executive Resolution Office Evine   CC:  Revdex.com

We have received further correspondence from the Revdex.com regarding the Apple MacBook Air 13.3" 128GB SSD Intel i5 Laptop w/Accessories & Software Pack and the Data Logixx Memory Plus 64GB Card for Apple MacBooks (order# [redacted]) that you placed with Evine. I apologize for any inconvenience this has caused. Regrettably, I have not received the information I requested from you on January 12, 2018. Since you no longer have the pictures, we have reopened your claim with our Claims Department. As part of this investigation, claims paperwork will be required to be completed by you. All claims paperwork must be received back within 30-days. These forms will be emailed to your email address, [redacted].[redacted]@gmail.com. Please note, time is a significant factor in the claim investigation and it is imperative that Evine receives all paperwork within the allotted timeframe. Once the completed paperwork is received back signed and notarized, a refund will be processed to the original method of payment. If 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 Friday. Thank you for your understanding and cooperation. Sincerely, Bridget [redacted] Executive Resolution Office Evine

Revdex.com:I did receive messages both from Mr. [redacted] at Evine and a rep from Invicta, saying that a replacement clasp is being sent to me by mail.I will look forward to receiving the item and will attempt to repair the watch myself, as I feel certain I can do, provided the clasp is identicaland the factory-affixed link matches up to the existing links of the bracelet. If all goes well that will be the end of the matter as far as I'm concerned.Thank you for always well-representing the "government that God has ordained" and that the Bible rightly proclaims, "is no terror to God's people." As an aside, I have always gotten good service when I unfortunately had to call on the Revdex.com for assistance, as I have also been treated well by theIRS, even when the issue was my fault. More times than not, however, there turned out to be an error in my favor. Praised the Lord for that, and forentities like yourself that DO protect and serve the public trust.   Reverend Dr. [redacted]

Initial Business Response /* (1000, 8, 2016/02/16) */
Dear [redacted],
We have received your complaint from the Revdex.com regarding your refund for the OSO CASUALS CHOICE OF LENGTH 5 POCKET SLIM LEG JEAN MEDIUM DENIM 12 item 724-076 (Order # XXXXXXXXX). We apologize for any...

inconvenience this has caused.
During our conversation on February 16, 2016, I advised that a claim had been submitted on August 28, 2015. I informed you that I would have to contact our Claims Department. After carefully reviewing your account, our Claims Department has refunded your account for that item.
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 [redacted]@evine.com between the hours of 9:30am-6pm EST, Monday through Friday.
Thank you for your understanding and cooperation.
Sincerely,
Maria [redacted]
Office of the President
EVINE Live
CC: Revdex.com
Initial Consumer Rebuttal /* (2000, 10, 2016/02/25) */

Initial Business Response /* (1000, 5, 2015/04/30) */
Dear [redacted],
We have received your complaint from the Revdex.com regarding your order for the North Shore Linens 5" Baffle Box Feather Bed and Cozelle Microfiber 4pc Sheet Set (order# XXXXXXXXX). I apologize for any...

inconvenience this has caused.
I have attempted to reach you via telephone to no avail.
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,
[redacted]
Office of the President
EVINE Live
CC: Revdex.com
Initial Consumer Rebuttal /* (3000, 7, 2015/05/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This response is unacceptable. The solution is to refund my money. I run a complaints department for a .com and know it's a simple matter to refund the account and close this case satisfactorily. I do not accept this response and will not be satisfied without compensation for the money I am owed.
Final Business Response /* (4000, 10, 2015/05/07) */
Dear [redacted],
We have received further correspondence in regards to your complaint.
In regards to order XXXXXXXXX, your PayPal account was credited on April 11, 2015, in the amount of $11.74 and $50.61 (the original ValuePays charged). The original shipping and handling costs of $9.99 and $14.99 were refunded on May 7, 2015.
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.
Sincerely,
[redacted]
Office of the President
EVINE Live
CC: Revdex.com

Dear [redacted],   We have received your complaint from the Revdex.com regarding the payment terms for you Invicta Men’s Sea Spider (order# [redacted]).  I apologize for any inconvenience this has caused.   I have attempted to reach you via telephone and email to no...

avail.   If you wish 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,     LeShonn [redacted] Executive Resolution Office Evine   CC:  Revdex.com

Initial Business Response /* (1000, 5, 2015/12/01) */
Dear [redacted],
We are in receipt of your complaint to the Revdex.com regarding past due payments. Evine 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, 2015 you placed order number XXXXXXXXX for the Wagner PaintReady Sprayer System w/ Extra Detail Finish Nozzle using our monthly ValuePay plan. This order was placed on your Master card ending in [redacted]. Unfortunalty this card declined the charge for the November 15, 2015 ValuePay. Our Reauthorization department does make several attempts to reach you regarding this matter. Until payment arrangments are made, further attempts will continue. As you have indicated in your complaint that you wish to pay by check, please send your payment to the address above. If 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 ratings. We 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 /* (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, 5 times a day home and cell phones. Yes, I told them I would send a check and told them to stop calling which they haven't. Due to this harassment I will send payment when they stop calling me all day long. I 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 would. This is a terrible company and I will never do business with them again NEVER.
Final Business Response /* (4000, 9, 2015/12/02) */
Dear Mr. [redacted],
We are in receipt of your letter to the Revdex.com. It 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 plan. Unfortunalty your Master card declined the charge for the next installment. Our Reauthorization department does make several attempts to reach you regarding this matter. Until payment arrangments are made or your money order is received, further attempts will continue. At this time we have put these calls on hold for three days to allow time for your payment to be received. If 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 ratings. We 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 Business Response /* (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 order. This 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 /* (2000, 7, 2016/03/15) */

May 16, 2017   [redacted] Taunton, MA 02780-3094   Cr:  [redacted] Complaint ID:  [redacted]   Dear [redacted],   We have received your complaint from the Revdex.com regarding the Gems en Vogue4.40ctwOval & Round Multi Color Spinel Cluster Ring  and the Gems en Vogue 1.60ctw Neon Apatite10-Stone Ring (order#[redacted]). I apologize for any inconvenience this has caused.   Per our conversation on May 4, 2017 we discussed our policy in regards to orders that are sent to an incorrect address. I advised you that after researching this matter extensively, we were unable to confirm that you updated your address information prior to placing your order ([redacted]).  It is the responsibility of our customer to update their address prior to placing their orders online. Evine does not have control over the shipping address selected for online orders. The ValuePay’s will continue to debit your card until we receive the items back or after the ValuePay’s on each item have ended. You have 3 remaining ValuePay’s on each item, the final payment is on July 28, 2016.   If you have additional information, 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

On this rebuttal, the customer stated that she was not called by us and didn’t speak to Leshonn. Leshonn is Sean, he did speak with her and she stated this in her rebuttal. We were able to issue her a refund for this item on 8/29, which we stated in the initially letter.

Initial Business Response /* (1000, 5, 2015/10/05) */
Dear Ms. [redacted],
Evine Live would like to thank you for taking the time to share your concerns with us regarding your recent order.
Our records indicate that on September 28, 2015, you placed order number XXXXXXXXX for an Apple 128gb...

Macbook Air Laptop w/ Accesories requesting a payment plan of six monthly payments. By requesting the ValuePay option you are agreeing to the terms and conditions of ValuePay with Evine Live. Orders may be subject to credit approval by Evine Live and Evine Live may review credit reports to qualify customers for ValuePay. Evine Live reserves the right to limit or restrict the use of ValuePay at any time. This 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 received. Because 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 transaction. We use Equifax Information Services LLC to obtain credit report information. We submit the customer's name and address as it is provided to us. There is also a disclaimer on our website and on air that indicates that ValuePay is available to qualifying customers.
In addition, once the order was cancelled we sent an electronic reversal to your card issuer requesting the funds be released as we would not be presenting any charge. Please follow up with your bank to ensure these funds have been released.
If you have any further questions please contact our [redacted] at X-XXX-XXX-XXXX.
Sincerely,
K. [redacted]
Credit Payments Lead
CC: Revdex.com

June 8, 2017   [redacted] D [redacted]
[redacted] Charlotte, NC 28211   Cr: [redacted] Complaint ID: [redacted]   Dear [redacted] D [redacted],   We have received your complaint from the Revdex.com regarding billing questions. I apologize for any inconvenience...

this has caused.   I have attempted to reach you multiple times via phone and email to no avail.   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

Initial Business Response /* (1000, 5, 2016/03/09) */
Dear Ms. [redacted]:
We are in receipt of your letter to the Revdex.com. EVINE Live would like to thank you for taking the time to share your concerns with us regarding your account.
In December 2015 multiple ValuePays...

declined on your EVINE Live credit card causing your account to go past due. No payments were made, which resulted in your account going into collections with our collection agency Central Portfolio Control.
Synchrony Bank is the issuing bank of the EVINE Live credit card. They did not approve the ValuePay charges on your orders. The reason they denied the charges is a private matter between you and Synchrony Bank. EVINE Live has no access to any of Synchrony Bank's account information. You may contact them at XXX-XXX-XXXX.
Our collections department has made several attempts to reach you regarding this matter. Until payment arrangements are made, further attempts will continue until these have been paid in full. Your past due balance is $115.97. Please contact our collection agency Central Portfolio Control, at X-XXX-XXX-XXXX
Sincerely,
L. [redacted]
Credit Payments Specialist II
CC: Revdex.com of Minnesota & North Dakota
Initial Consumer Rebuttal /* (3000, 7, 2016/03/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The credit card company has told me that they NEVER have declined any request for payment. My account is current and in good standing. All I asked from Evine is some proof that they were declined payment. I also asked for a statement of these due payments and all I received was a ping pong game being bounced back and fourth between departments. As for evine making attempts to contact me? I have never had even ONE contact from them. If I had not tried to place an order I still would have known nothing about this. I have no problem paying money that is owed, but not on just their say so. How dare they send someone to collection and treat someone the way I was treated without providing any proof at all. This response is just more of what I was given over the phone. They need to do much much better than this.
Final Business Response /* (4000, 9, 2016/03/14) */
Dear Ms. [redacted]:
We are in receipt of your letter to the Revdex.com. It appears that our previous communications with you did not explain the issue as well as you would have liked.
The orders you placed with us were placed on our ValuePay plan. Unfortunately your EVINE card declined the charges for the next installments. Our Reauthorization department does make several attempts to reach you regarding this matter. Our records show the first attempt was made on December 31, 2015.
Synchrony Bank is the issuing bank of the EVINE Live credit card. They did not approve the ValuePay charges on your orders. The reason they denied the charges is a private matter between you and Synchrony Bank. EVINE Live has no access to any of Synchrony Bank's account information. The only reason provided to us is Do Not Honor.
Until payment arrangements are made to have these items paid in full, we are unable to place any new orders for you. Your past due balance is $115.97. Listed are the three items owed. Please contact our collection agency Central Portfolio Control, at X-XXX-XXX-XXXX.
Invoice number XXXXXXXXX-XXX for $32.13
Invoice number XXXXXXXXX-XXX for $4.12
Invoice number XXXXXXXXX-XXX for $79.72
Sincerely,
M. [redacted]
Credit Payments Specialist II

March 10, 2017   [redacted] Purvis , MS 39475   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 watch. I apologize for this delay. We have since issued a full refund as of March 9, 2017. The refund can take 3-5 business days to process back to your original method of payment. This time frame depends on your financial institutions processing time and billing cycle. Once 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

Dear [redacted],   We have received your complaint from the Revdex.com regarding the cancelation of the [redacted] 65” Smart 4K SUHD TV with 6-ft HDMI Cable (order# [redacted]).  I apologize for any inconvenience this has caused.   I have attempted to reach you via telephone...

to no avail.   If you wish to discuss this matter further, please contact me directly via telephone at ###-###-#### or ###-###-#### or via email at b[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

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 cancelled. What 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 800 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 website. It 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 /* (1000, 8, 2015/10/19) */
Dear [redacted],
We have received your complaint from the Revdex.com regarding your purchase for an Invicta watch (order # XXXXXXXXX). I apologize for any inconvenience this has caused.
During my conversation with your wife...

Tammy on October 16, 2015, I advised of EVINE Live's return policy that we cannot accept a return after 30 days from invoice date. However, I did offer to reach out to the manufacturer, Invicta to ask them to contact you to discuss repair options. You may also contact Invicta at X-XXX-XXX-XXXX.
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 9am-5:30pm EST, Monday through Friday.
Thank you for your understanding and cooperation.
Sincerely,
Bridget [redacted]
Executive Resolution [redacted]
EVINE Live
CC: Revdex.com
Initial Consumer Rebuttal /* (3000, 10, 2015/10/21) */
They aren't doing anything to taking this junk watches back they keep saying because the 30 day are up
Final Business Response /* (4000, 12, 2015/10/21) */
Dear [redacted],
We have received further correspondence from the Revdex.com regarding your purchase for an Invicta watch (order # XXXXXXXXX).
As previously stated, EVINE Live will accept a return within our 30 day return time frame. However; you had disclosed that the damage to the watch occurred after this time frame elapsed. Invicta has replied to us that they are sending you a pre-paid label so you can send the watch to them to determine if the damage to the crystal was caused by a manufacturer defect. Further information and options will be provided by Invicta per the terms of their warranty.
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 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

I am rejecting this response because:
The terms of use give no explanation of the treatment of their corporate contacts a complaint revolutions crewmember who nit only was a disgrace he should be reprimanded for how he spkoe to a customer who made every payment one two items in prior value pay orders. I will not be using evine services again and would like a credit towards what Ive paid. If you reject credit dont offer a plan take money blame the bank for holding funds and treat people like garbage. Horrible experience you lost a loyal customer. Check your records!!!! I made every payment on time!!!!!