American General Life & Accident Insurance Co

Initial Business Response / [redacted] (1000, 5, 2016/03/15) */ Dear Mr [redacted] , We are in receipt of your letter to the Revdex.com Our records indicate your wife Nancy had three accounts opened with usUnfortunalty the credit card provided declined the charge for the next installments on all three accountsWithout a different method of payment our Collections Department had been trying to reach her as the remaining balance had not been madeAfter months this information had been sold to our debt buyerOur records show this information was communicated to Nancy on September 2, As of September 11, we were able to confirm account #XXXXXXXX had been resolvedAs of today I was able to verify account #XXXXXXXX has also been resolvedUnfortunatley account #XXXXXXXX has not been paidOur debt buyer has confirmed they do have the account and no payment has been madeDue to this information we are unable to place future orders until this balance has been paid in fullOnce this is complete, and we receive confirmation, your account will be reopened for full pay ordersTo resolve this debt, please contact Oliphant Financial at X-XXX-XXX-XXXX If you have any further questions please contact our [redacted] at X-XXX-XXX-XXXX Sincerely, M [redacted] Credit Payments Specialist II Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/03/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I contacted EVINE yet again on 4-19-I was not able to speak to Mror Mrs [redacted] I spoke to a credit representative who was very pushy on EVINE policy on collecting debtsI again asked for what amount of money that was owed to EVINEShe referred to me Oliphant Financial at the given numberI explained that have spoken to a both a customer service representative AND a supervisor at Oliphant Financial and was not given any information on the debt to EVINE because they did not have any record of the debt under account number XXXXXXXXShe again advised me of EVINE's collection policyShe also stated that EVINE did attempt to contact my wife concerning the debtMy wife, he was in the room at the time stated that she has not been contacted by either EVINE or Oliphant concerning account number XXXXXXXX or advised of any debt that was owedWe are getting nowhere with either EVINE or Oliphant and respectfully request that this case remain open until issue is resolvedAgain, respectfully, we would like to receive correspondence from either EVINE or Oliphant concerning this debtUpon receipt of said correspondence, the debt will be paid by myself or my wife and hopefully this matter can be brought to a satisfactory conclusion for all parties involved Correspondence concerning this debt can be mailed to myself or my wife at the following address: Louis/Nancy [redacted] , [redacted] XXXXX Thank you for your time and assistance Final Business Response / [redacted] (4000, 9, 2016/03/23) */ Dear Mrand Mrs [redacted] , This letter is in response to your recent Revdex.com inquiryIt appears that our previous communications with you did not explain the issue as well as you would have liked We were able to get in contact with Oliphant Financial, LLC regarding the debt owed under cr XXXXXXXXAccording to their records, they show that this account is in their system and confirmed that they have not spoken to anyone in regards to this debtThere were many attempts made to contact Nancy before it was sold A manger from Oliphant attempted to reach out to you yesterday at four different phone numbers listed on the accounts, but were unsuccessfulDue to the account being sold to our debt buyer, we are unable to provide any details at EVINE Live as far as the item description or amountPlease contact Oliphant at XXX-XXX-XXXX for this information and to make a payment arrangement, they are awaiting your call If you have any further questions please contact our office at X-XXX-XXX-XXXX Sincerely, K [redacted] Credit Payments Specialist II

Initial Business Response / [redacted] (1000, 5, 2015/06/18) */ Dear [redacted] , We have received your complaint from the Revdex.com regarding the return of a Simmons mattress set (order # XXXXXXXX)I apologize for any inconvenience this has caused During our conversation on June 18, 2014, I advised you that your return was processed on June 16, 2015, and that you should be able to verify refunds to your original payment method (Visa ending ***) in the next one to three business days Again, I apologize for the delay in refunding you for this order 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, [redacted] Office of the President EVINE Live CC: Revdex.com

Initial Business Response / [redacted] (1000, 5, 2015/12/29) */ Dear [redacted] , We have received your complaint from the Revdex.com regarding your experience with the delivery of your television (order# [redacted] )I apologize for any inconvenience this has caused We have been in contact via voicemail concerning the refund of your orderI can confirm that refund of $has been processed to the original method of paymentI have also sent you an email with additional information 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 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, 2016/01/04) */ Thankfully, this case has been resolved to my satisfaction, and my refund has been issued It was very hard to connect with evine customer service; Bridget [redacted] in the Executive Resolution Office was only available through voicemail, and she was on vacation in the middle of the process It took over a month, but it has finally been resolved and I thank you for your assistanceShould you require additional information from me, I will happily comply given a working link Thank you, [redacted]

Complaint: [redacted] I am rejecting this response because: I called Evine Live when I never received the forms to fill outThe costumer service representative theSaid she would email the forms againYet again, I never received any forms to my emailAt my last attempt, I asked the costumer service representative to send the dorms in an envelope to my home address and notate our conversationI waited weeks and again no papers arrivedThen before opening a claim with the Revdex.com I called Evine Live and told them that twice the papers weren't emailed and the ones promised to be mailed were never mailedI even tried the tracking number again and it says untraceableThis seems very shady to me that the tracking number proves I never received the itemAlso, the fact that the company keeps making excuses and lies as to why I haven't received the proper return formsThis is my last resort as I have always shopped online and never encountered this horrible experienceI have added a photo including the purchase total and tracking numbers so you can see I never received the item Sincerely, [redacted]

September 27, [redacted] Rancho Cucamonga, CA Cr: [redacted] Case#: [redacted] Dear [redacted] ***, We have received your complaint from the Revdex.com regarding the missing pieces for you HomeBasica Bradford Linen Sofa (order# [redacted] ) I apologize for any inconvenience this has caused During our conversation on September 21, 2017, I apologized that it had taken so long to ship you the parts that were missing and advised you that this would be addressed with the distributor I provided you the UPS tracking number ( [redacted] ) and advised you that the parts were due for delivery to you that dayI also agreed to process a 50% discount to your order and this adjustment was applied to your remaining value payments 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 CST, Monday through Friday Thank you for your understanding and cooperation Sincerely, LeShonn [redacted] Executive Resolution Office Evine CC: Revdex.com

October 4, Mr [redacted] Porter, TX 77365- RE: Cr [redacted] Case Number [redacted] Dear Mr [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 [redacted] was placed online, you requested to use our ValuePay option, and you agreed to the terms and conditions of ValuePay with EvineWe do not base our decision upon which method of payment you use to place the orderOrders may be subject to credit approval by Evine and Evine 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 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 ###-###-#### Sincerely, K [redacted] Credit Payments Lead

Initial Business Response / [redacted] (1000, 8, 2015/09/16) */ Dear Ms***, 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 January 27, you placed order number XXXXXXXX for a Simmons Beautysleep Hammond Lake Euro Top Plush Twin Mattress 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, K [redacted] Credit Payments Lead CC: Revdex.com

Initial Business Response / [redacted] (1000, 8, 2015/10/19) */ Dear [redacted] ***, We have received your complaint from the Revdex.com regarding the cancellation of your Oso Casuals Fleece Sherpa jacket in red (order XXXXXXXXX) and in grey (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, LeShonn [redacted] Executive Resolution Office EVINE Live CC: Revdex.com Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/10/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) They lieThey have NEVER contacted me via any media whatsoever! I cancelled my account with them because of their incompetent procedures and unfair practices Final Business Response / [redacted] (4000, 12, 2015/10/27) */ Dear [redacted] ***, We have received further correspondence from the Revdex.com in regards to your cancelled ordersI apologize for any inconvenience this has caused On October 26, 2015, I contacted you via phone and you were unwilling to speak to me about this matter 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, LeShonn [redacted] Executive Resolution Office EVINE Live CC: Revdex.com

Initial Business Response / [redacted] (1000, 5, 2015/12/01) */ Dear Ms [redacted] We are in receipt of your letter to the Revdex.comEvine Live would like to thank you for taking the time to share your concerns with us regarding your account After reviewing your account, we have found your value payments had gone over days past due on four ordersDue to this, the ValuePay option was removed from future purchases; however, due to your recent experience I have reinstated the payment optionPer our conversation today, this is effective immediately 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] (2000, 7, 2015/12/10) */

Initial Business Response / [redacted] (1000, 5, 2015/08/18) */ Dear Ms [redacted] , We are in receipt of your letter to the Revdex.comEvine Live would like to thank you for taking the time to share your concerns with us regarding your account Our records indicate that on May 23rd, you ordered three Invicta WatchesThese were placed under order numbers XXXXXXXXX, XXXXXXXXX and XXXXXXXXXThese orders were placed on your Evine Live credit cardUnfortunalty this card declined the charges for the next value paymentsThe remaining balance owed is $ Synchrony is the issuing bank of the Evine Live credit card; they did not approve the installments on the ordersThe reason they denied the charges is a private matter between you and Synchrony BankEvine Live has no access to any of Synchrony Bank's account information Our collections department has made several attempts to reach you regarding this matterUntil payment arrangments are made, further attempts will continue until these have been paid in fullTo bring your account current please contact Affiliated Group 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 Collections Lead Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) they lied they did report it to the credit bureaus and I am going to take them to court for harassment cause as you see I am sending them a formal request to stop calling me this is harassmentby law if you inform a company to stop calling methey need to stopyou have the receipttell syncb to stop calling me Final Business Response / [redacted] (4000, 9, 2015/08/24) */ 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 The orders you placed with us were placed on your Evine Live credit cardThis card declined the charges for the next value paymentsThe remaining balance owed is $ [redacted] is the issuing bank of the Evine Live credit cardThe reason they denied the charges is a private matter between you and [redacted] Evine Live has no access to any of [redacted] account information As previously stated, Evine Live does not report to the Credit Bureaus, so this will not reflect against your credit ratings [redacted] is a separate company from Evine Live and Evine Live has no access to any of their account informationYou can contact them at X-XXX-XXX-XXXX for more information regarding your credit card If you have any further questions please contact our office at X-XXX-XXX-XXXX Sincerely, M [redacted] Credit Collections Lead

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 ordersI will not be using evine services again and would like a credit towards what Ive paidIf you reject credit dont offer a plan take money blame the bank for holding funds and treat people like garbageHorrible experience you lost a loyal customerCheck your records!!!! I made every payment on time!!!!!

Final Consumer Response / [redacted] (2000, 6, 2015/12/14) */ I would like to close this caseEvine contacted me on Friday and they problem was finally fixedI appreciate Revdex.com helping me with this matter it assures us the customer that companies will take responsibility for their actions Sincerely [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/06/18) */ Dear [redacted] , We have received your complaint from the Revdex.com regarding delays with your order for an Invicta Watch (order# XXXXXXXXX)I apologize for any inconvenience this has caused During our conversation on June 16, 2015, I advised you that I have applied a $EVINE Credit to your account for use on your next purchaseThe credit will be available for days; however, if you do not use it within the specified timeframe, you may contact me to have it reapplied to your account If you have any further questions or concerns, 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 / [redacted] (2000, 7, 2015/06/19) */ (The consumer indicated he/she ACCEPTED the response from the business.) The had shipping and warehouse issues and they gave me a credit for the inconvenience

Initial Business Response / [redacted] (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 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 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 chargePlease 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

Initial Business Response / [redacted] (1000, 5, 2015/08/19) */ Dear Ms [redacted] , We are in receipt of your letter to the Revdex.comEvine Live, formerly ShopNBC, would like to thank you for taking the time to share your concerns with us regarding your account Our records indicate that on April 12th, you placed order number XXXXXXXX for two COZELLE MICROFIBER LACE HEM 4-PIECE SHEET SETOne in the color Pink and one in the color BlackBoth requesting a payment plan of six monthly paymentsOur records show on May 14th, the 2nd installments became dueYour PayPal account declined the transactionWithout a different method of payment our Reauthorization Department has been trying to reach you as only the first installments had been madeOur records show this information was communicated to you on June 16th, After months, this information had been sold to our debt buyer As of today we have confirmed the debt has still not been paidDue to this information we are unable to place future orders until this balance has been paid in fullOnce this is complete and we receive confirmation your account will be reopened for full pay ordersPlease contact [redacted] at X-XXX-XXX-XXXX If you have any further questions please contact our office at X-XXX-XXX-XXXX Sincerely, M [redacted] Credit Collections Lead Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I called ShopNBC and paid the balance in fullIt is not my fault that this new company can't find it in their recordsI will not be placing any further ordersFurther more, they have the order wrongI order more sheet sets than they have listed and all were paid for Final Business Response / [redacted] (4000, 9, 2015/08/25) */ 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 Our records show you have placed multiple orders for bed sheets with usOn April 12th, you placed order number XXXXXXXXThis included two COZELLE MICROFIBER LACE HEM 4-PIECE SHEET SETS, one in the color Pink and one in the color BlackOn both orders you requested a payment plan of six monthly paymentsYour PayPal account declined the transaction on the next installmentsAfter months, this information had been sold to our debt buyerYou have stated these have already been paidPlease feel free to provide proof of payment for all six installments and I will be happy to have this reviewed As of today we have confirmed the debt has still not been paidOnce this has been completed and we receive confirmation your account will be reopened for full pay ordersPlease contact [redacted] at X-XXX-XXX-XXXX If you have any further questions please contact our office at X-XXX-XXX-XXXX Sincerely, M [redacted] Credit Collections Lead

Dear [redacted] , We have received your complaint from the Revdex.com regarding the WOLF "Over-the-Door & Wall" Jewelry Armoire w/ Vanity Mirror (order# [redacted] ), which you claim has a defective locking mechanismI apologize for any inconvenience this has caused We first spoke regarding the armoire on March 14, During this call you requested to return the armoireI contacted our vendor for this product, and they agreed to accept a late return, and that they would also provide a pre-paid return label, but that the armoire would have to be packaged in some wayYou stated that you no longer have the original packaging, so I offered to reimburse you up to $for you to go and purchase the necessary materials to send the item backDuring that call, you advised me that you would have to think about this and would call back During our conversation on March 23, I again advised you that EVINE Live is happy to offer a refund, but that the item will have to be returnedI went over what we had discussed in our earlier call, and again you said you would think about my offer If you have any additional questions, please 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 Live CC: Revdex.com

June 8, [redacted] D [redacted] Charlotte, NC Cr: [redacted] Complaint ID: [redacted] Dear [redacted] D ***, We have received your complaint from the Revdex.com regarding billing questionsI 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

May 5, [redacted] Taunton, MA 02780- 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 During our conversation on May 4, we discussed our policy in regards to orders that are sent to an incorrect addressI 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 onlineEvine does not have control over the shipping address selected for online ordersAfter I provided you this information you became upset and said that you would follow up with the Revdex.com and disconnected the call 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

June 27, MsHaydee G [redacted] Customer # [redacted] Complaint # [redacted] Dear MsG [redacted] : Evine is in receipt of your letter to the Better Business Bureau regarding concerns you had on your account After reviewing your account, we have found your account links by address to an account that we have taken a financial loss on using value pay We verified that you and the other customer are still at this addressDue to this information, you are unable to place orders until this balance has been paid in fullOnce this is complete we can have your account reopened for new orders Evine reserves the right to restrict accounts and any directly linking accounts that resulted in a financial lossOnce the debt has been paid and we receive confirmation of this, your account and all linking accounts will be reopened for new orders If you have any further questions or concerns, please contact our Credit Department at [redacted] Sincerely, L [redacted] Senior Credit Payment SpecialistTell us why here

Initial Business Response / [redacted] (1000, 5, 2015/07/22) */ Dear [redacted] ***, We have received your complaint from the Revdex.com in regard to the items you have not receivedI apologize for any inconvenience this experience may have caused Our Claims Department attempted to reach you via telephone at the number on file and on your complaint; however, were advised there was no person by the name of [redacted] at that number The initial claim was denied due to the claim forms not being filled out properlyThe claim forms are required in order for us to complete our investigation; therefore, I have enclosed a new set of claim formsThese forms must be filled out and notarized no later than August 6, and we must receive these completed notarized forms from you no later than August 21, If you have any questions in regard to the claim or claim forms, please contact our Claims Department at X-XXX-XXX-XXXX or via email at [redacted] @evine.com Thank you for your understanding and cooperation Sincerely, [redacted] Senior Supervisor, Executive Resolution Office EVINE Live CC: Revdex.com