American Mint

4/27/2017Dear *** ***:I am writing in reference to *** ***'s complaintWe received an introductory order form in the mail from *** *** on 10/26/for a Statue of Liberty coinThere was a payment of $received at that time (the coin was free plus $shipping and handling) with
check #***This package was shipped to *** ***'s address on 10/31/Another item, an American Independence coin, was sent along inside the same package for preview with no obligation to purchase as it states on the order form in the American Mint Satisfaction GuaranteeThis paragraph also states “You will be billed only for the items you decide to keepIf you pay by credit card, future shipments will not be charged until days after the invoice dateYou are under no obligation! If you are not satisfied with any item that is shipped to you, you may send it back within days at our cost for replacement, credit or refund'Enclosed is a copy of this order form.We do provide postage paid return labels upon request, as it states on the reverse side of our "Returns Information Form” enclosed in all of our packagesOur hours of operation, email address and toll free phone number are also located on this paperwork.*** ***'s complaint states that he received the merchandise, but never ordered itHe states that when the coin arrived, another which he did not order was sent with it*** *** received the preview item in his package since he did not cross off the American Mint Satisfaction Guarantee paragraph (please see above) On 11/14/2016, the customer called to return the American Independence CoinThe customer was provided with a postage-paid return label to use with his returnInstead of returning the American Independence coin in the package, the customer returned the free Statute of Liberty coinPer this complaint, we have cleared *** ***s accountEnclosed is an account cleared letter.Please advise *** *** that his subscription for the American Independence coin series was cancelled on 11/14/2016.We apologize for any inconvenience this may have caused *** ***Please let me know if you need anything furtherThank you for your assistance in settling this matter.Sincerely,Susan DDirector of Client Services

2/5/
Dear ***,
I am writing in reference to ***’s complaintWe received an introductory order form in the mail from *** on 12/5/for a free JFK 50th Anniversary commemorative coinWe received payment of $for shipping and handling
with check #***This package was shipped to ***’s address on 12/17/Another item, a JFK Inauguration Speech coin, was sent along inside the same package for preview with no obligation to purchase as it states on the order form in the American Mint Satisfaction GuaranteeEnclosed is a copy of this order form
We do provide postage paid return labels upon request as it states on the reverse side of our “Returns Information Form” enclosed inside all of our packagesOur hours of operation, email address and toll free phone number are also located on this paperwork
*** states that he still has this coin in his possession because he is not responsible for anything unordered per postal regulationsHowever, as noted above, ***’s order form did state that other items would be sent for previewAmerican Mint has cancelled the “Life of John F Kennedy” commemorative coin collection and mailed him a postage paid return label to return the JFK Inauguration Speech coin at no cost to himselfEnclosed is a copy of his account statement
We apologize for any inconvenience this may have caused ***Let me know if you need anything furtherThank you for your assistance in settling this matter

10/14/Dear *** ***,
I am writing in reference to *** ***'s complaintWe received an introductory order form in the mail from *** *** on 3/20/for a Silver Eagle coinWe received payment of $($for the coin itself plus $for shipping and handling)
with check #***This package was shipped to *** ***'s address on 3/23/Another item, a Boston Tea Party commemorative coin, was sent along inside the same package for preview with no obligation to purchase as it states on the order form in the American Mint Satisfaction GuaranteeEnclosed is a copy of this order form.We spoke with *** *** on 5/12/During this conversation, he advised that he returned the Boston Tea Party coin on his own accord approximately two weeks priorWe advised that we must allow four weeks for receiving and processing of returns and urged him to wait two more weeks before contacting us for further account reconciliationWe also cancelled the “The Birth of our Nation” commemorative coin collectionWe did not speak with *** *** again until 8/11/At this time, we advised that we still had not received the return of the Boston Tea PartyWe mailed *** *** a return loss form which states that the package was returnedUpon receipt of this form with *** ***'s signature, we would reconcile the outstanding invoiceWe spoke with *** *** on 8/26/in which he stated that he never received the return loss letter that we mailedAnother letter was mailed to *** ***As of today, American Mint has not yet received this completed return loss letterA manual return loss has been processed which has reconciled *** ***'s accountWe do not have the payment that *** *** references but when it is received, the check payment will be returned to *** *** with a letter advising that the account is settledEnclosed is a copy of *** ***’s account statement
We apologize for any inconvenience this may have caused *** ***Please let me know if you need anything furtherThank you for your assistance in settling this matterSusan DDirector of Client Services

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
No address label, nor return postage envelope has thus far been receivedIf and when it arrives I will return said merchandise, provided American Mint removes me from all and any future mailings, billing statements, and correspondence of any type
Today I received another offer with an amount due, so this must cease also
Regards,
*** ***

7/31/Dear *** ***,
I am writing in reference to *** ***’s complaintWe received an introductory order form in the mail from *** *** on 3/27/for a Silver EagleWe received payment of $($for the coin plus $for shipping and handling) with check
#***This package was shipped to *** ***’s address on 3/30/Another item, a Mayflower Compact coin, was sent along inside the same package for preview with no obligation to purchase as it states on the order form in the American Mint Satisfaction GuaranteeEnclosed is a copy of this order form.After thorough investigation on *** ***’s account, we have determined there were several oversights made in which we regret and apologize for the inconvenienceWe are taking steps to correct this from happening in the futureThe Mayflower Compact coin has since been returned, thus reconciling the account balanceCheck #for $has been mailed via USPS tracking #*** *** on 7/31/to *** ***Enclosed is an account statement.
We apologize for any inconvenience this may have caused *** ***Please let me know if you need anything furtherThank you for your assistance in settling this matterSincerely,
Susan D.
Director of Client Services

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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.
Regards,
*** ***

10/28/Dear *** ***,
I am writing in reference to *** ***'s complaintWe received an introductory order form in the mail from *** *** on 03/10/for a free Statue of Liberty coinThe offer advertised a free coin with $for shipping and handlingWe did not
receive this payment from *** *** but mailed the coin in good faith since she returned the offerThis package was shipped to *** ***'s address on 03/17/Another item, a US National Anthem coin, was sent along inside the same package for preview with no obligation to purchase as it states on the order form in the American Mint Satisfaction GuaranteeEnclosed is a copy of this order form.We do provide postage paid return labels upon request as it states on the reverse side of our “Returns Information Form” enclosed inside all of our packagesOur hours of operation, email address and toll free phone number are also located on this paperworkOn 4/17/we received a letter from *** ***In response, we cancelled the “Symbols of Freedom” collection and sent a postage paid return labelWe received another letter on 6/10/and sent another postage paid return labelOn 9/29/we received an email from *** *** and a postage paid return label was emailed to *** ***We then mailed a copy of the order form to *** *** to show her the American Mint Satisfaction GuaranteePayment or return of the US National Anthem coin will reconcile the accountWe apologize for any inconvenience this may have caused *** ***Let me know if you need anything furtherThank you for your assistance in settling this matterSincerely,
Susash D
Director of Client Services

11/3/2016Dear *** ***,I am writing in reference to *** ***'s complaintWe received an introductory order form in the mail from *** *** on 10/21/for a Gold Double Eagle Archival Edition coin*** *** did not send payment but signed the order form so in good faith we mailed the
item and a Eagle Archival Edition coin to preview with no obligation to purchase as it states on the order form in the American Mint Satisfaction GuaranteeThis paragraph also states “You will be billed only for the items you decide to keepIf you pay by credit card, future shipments will not be charged until days after the invoice dateYou are under no obligation! If you are not satisfied with any item that is shipped to you, you may send it back within days at our cost for replacement, credit or refund.” Enclosed is a copy of this order formThis package was shipped to *** ***'s address on 10/24/16.We do provide postage paid return labels upon request, as it states on the reverse side of our "Returns Information Form” enclosed in all of our packagesOur hours of operation, email address and toll free phone number are also located on this paperwork.*** *** call on 10/28/requesting a return label which we sent on 10/29/with tracking number ***.*** ***'s complaint states that he never ordered either coin and stated this is a fraudulent scamI have attached the signed order form *** *** signed, dated and sent to our company.The item was free and *** *** only had to pay for shipping and handling of $4.95.Return of the items or payment will clear *** ***'s account.We apologize for any inconvenience this may have caused *** ***Please let me know if you need anything furtherThank you for your assistance in settling this matter.Sincerely,Susan DDirector of Client Services

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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.
Regards,
*** ***

---------- Forwarded message ----------From: *** *** Date: Wed, Mar 1, at 3:PMSubject: #***To: "***@myRevdex.com.org" Dear ***,In regard to Revdex.com complaint ***, here is the name and address of my mother:*** ***
*** * *** ** *** ***Chandler, AZ ***In regard to disputed invoice from American Mint, LLC, here is the account number they assigned to my mother ***If you have any questions, please feel free to call me at ###-###-####Best Regards,*** ***

4/30/Dear *** ***,I am writing in reference to *** ***’s complaintWe received an introductory order form in the mail from *** *** on 3/16/for a free Diana & Kate Engagement ringWe received payment of $for the shipping and handling with Visa “9971*This
package was shipped to *** ***’s address on 3/17/Another item, a Princess Diana pendant, was sent along inside the same package for preview with no obligation to purchase as it states on the order form in the American Mint Satisfaction GuaranteeThis paragraph also states “You will be billed only for the items you decide to keepIf you pay by credit card, future shipments will not be charged until days after the invoice dateYou are under no obligation! If you are not satisfied with any item that is shipped to you, you may send it back within days at our cost for replacement, credit or refund.” Enclosed is a copy of this order form.We did not have any communication with *** *** during the preview period for the Princess Diana pendantIt was billed to the credit card on 4/16/in the amount of $We then spoke with *** *** on 4/20/During this conversation, *** *** stated that he did not receive the Princess Diana pendantA letter was mailed to him indicating that the item was missing from the packageWe also cancelled the “Princess Diana” jewelry collectionAt this point, we informed *** *** that another package was recently mailed on 4/17/that contained a Princess Diana bracelet and that he could refuse this packageWe spoke with *** *** again on 4/29/He stated that he found the Princess Diana pendant and would like to return itWe advised him that the item was past our day return policyAmerican Mint has made an exception to this return policy and will allow *** *** to return the Princess Diana pendantA postage paid return label is attached herein this complaintHe can use this return label to return the Princess Diana bracelet as well.We apologize for any inconvenience this may have caused *** ***Please let me know if you need anything furtherThank you for your assistance in settling this matter

Hello,You wrote:"Before processing the complaint, we need you to provide some additional information. Please respond to the following
points:Please provide the name and address of your father If you have
an account number for American Mint, please provide this as well."
CONSUMER INFO:*** *** *** ***West Sacramento, CA ***@***.com
American Mint Account: ***
--------------
Note: American Mint replied to me via email on Tue, Dec 29, at 8:AM. I will discuss their response with my dad to see if it's accurate. However, I would still like to submit a complaint.
From the other complaints, this seems to be American Mint's business practice: Consumer buys one item, and pays for it. Seller then sends consumer "preview items" via an unwanted subscription that the consumer must return (with his/her own money - since no return label is included) if s/he doesn't want to be billedThank you

I am Writing in response to *** *** rejection of our offer*** *** filed a complaint with the Revdex.com 4/26/American Mint responded to *** *** complaint with a letter dated 5/3/In this letter, American Mint explained that *** *** placed an order for a *** *** coin on 4/6/He received a *** *** preview coin with no obligation to purchase in this same package as stated on the American Mint Satisfaction Guarantee paragraphAmerican Mint further explained that in order to clear *** *** account, he would either have to return the *** *** coin or pay $It appears from *** *** rejection letter that *** *** has opted to return the coinAmerican Mint has not yet received the return of this coinWhen it does, it will clear *** *** account balanceAmerican Mint attached a postage paid, self-addressed return label to its 5/3/response letter for use with the coin's return.Please advise *** *** that he should have contacted American Mint's Customer Service Center for requesting a postage paid, Self-addressed mailing labelHad he done this, a customer Service representative would have sent him one for use with his return.*** *** was removed from American Mint’s mailing list on 5/3/Our previous response letter indicated that it takes days for all mailings to ceasePlease advise *** *** that all mailings from American Mint should cease by 8/3/Additionally, *** ***Subscription to the *** *** coin collection series was cancelled on 5/3/He should receive no further coins.We apologize for any inconvenience this may have caused *** ***, Please let me know if you need anything furtherThank you for your assistance in settling this matter

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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.
Regards,
*** ***

-------- Forwarded message ----------From:
"">Revdex.com of Metro Washington DC Date: Wed, Jul 23, at 9:AMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint #***.To: *** ***
---------- Forwarded message ----------
From:
Date: Wed, Jul 23, at 8:AM
Subject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint #***
To: [email protected] label sent on 5/13, 6/Sent wrong return letter on 6/Downloading return label for other coin 7/18.
*** *** Director of Client Services American Mint Louise Drive Mechanicsburg, PA 17055 Office - ###-###-#### Cell - ###-###-#### Fax - ###-###-#### ***

There is nothing we can do regarding invoices and since you have filed a credit card dispute with your credit card company and you informed our customer service representatives on 1/31/you'd let us know when you'll resolve those invoicesInvoice was returned an processed however invoice was never returned for us to file a claimThe return tracking for invoices and were the same number however only invoice was in the packageThere is no claim we can file with the post office as we do not have the item and no other return label was sentThe only outstanding items are the two in dispute and they'll either need paid or returned.Thank you,Susan * D***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:There is nothing we can do regarding invoices and since you have filed a credit card dispute with your credit card company and you informed our customer service representatives on 1/31/you'd let us know when you'll resolve those invoices. Invoice was returned an processed however invoice was never returned for us to file a claim. The return tracking for invoices and were the same number however only invoice was in the package. There is no claim we can file with the post office as we do not have the item and no other return label was sent. The only outstanding items are the two in dispute and they'll either need paid or returned.Thank you,Susan * D***Hi Susan,This is to confirm that in the shipment there was only materials for invoice and nothing was for invoice I opened the shipment only on receiving return shipping label and shipped you the contents as they were in the same packet.I totally deny receiving anything for invoice 3.Talking about customer service, I told them that I am working back-end with you on how to resolve payments on invoices & 2.I am reiterating on my previous statement that a search report has been filed with USPS for return shipment (Invoices & 2) and I will wait until they come with more information or closureAppreciate your patience on this.Regards,*** ***

I am writing in reference to Mr***'s complaintWe received an introductory order form in the mail from Mr*** on 7/6/for a Gold Double Eagle Archival Edition coinThis item is part of the Gold Eagle Archival Coin Collection SeriesDespite never receiving payment for this
item, this package was shipped to Mr***'s address on 7/7/Another item, a Eagle Archival Edition coin, was sent along inside the same package for preview with no obligation to purchase as it states on the order form in the American Mint Satisfaction GuaranteeThis paragraph also states “You will be billed only for the items you decide to keepIf you pay by credit card, future shipments will not be charged until days after the invoice dateYou are under no obligation! If you are not satisfied with any item that is shipped to you,you may send it back within days at our cost for replacement, credit or refund.” Enclosed is a copy of this order form.We do provide postage paid return labels upon request, as it states on the reverse side of our “Returns Information Form” enclosed in all of our packagesOur hours of operation, email address and toll free phone number are also located on this paperwork.Please advise Mr*** that he was shipped the next item in the Gold Eagle Archival Coin Collection Series, the Eagle Archival Edition coin, as a result of him not crossing off the American Mint Satisfaction Guarantee paragraph as directed on his order formBy not crossing off this paragraph and voluntarily returning his completed order form to American Mint, Mr*** authorized American Mint to ship him future issues of his coin collection series at the regular prices to preview with no obligation to purchaseSince Mr*** kept the Eagle Archival Edition coin past the free day preview period, he was billed for this itemPlease note that we have never received payment for the Gold Double Eagle Archival Edition coin or the Eagle Archival Edition coin nor have we received the return of these itemsThis is why Mr*** continues to receive billing notices and accrues late fees.Mr*** states in his complaint that he does not recall ordering or receiving the abovementioned itemsHis enclosed order form proves that he Voluntarily placed an order with American Mint for the above-mentioned itemsWe have attached a delivery confirmation letter.*** *** ** - Mechanicsburg, PA 17055-Local: ###-###-#### - Fax ###-###-#### Toll-Free: ###-###-#### (6468) E-mail: *** *** *** Hours: Monday-Friday, a.m- p.mEasternas wellWe have confirmed with Mr***'s tracking data, that his package was delivered to his address on 7/14/via the United States Postal ServiceIf he would like to review the delivery details for his package, please advise Mr*** to contact his local post office with the USPS tracking data on the enclosed delivery confirmation sheet.In order to clear Mr***'s account balance, he will either need to pay $or return the Gold Double Eagle Archival Edition coin and the Eagle Archival Edition coin using the enclosed postage paid, self-addressed mailing labelWe have placed a billing halt on Mr***'s account until 12/1/in order to give him time to return the above-mentioned items.We have removed Mr*** from our mailing listPlease allow up to days for all advertisements to completely ceaseMr***'s subscription to the Gold Eagle Archival Coin Collection Series was cancelled on 8/29/2017.We apologize for any inconvenience this may have caused Mr***Please let me know if you need anything furtherThank you for your assistance in settling this matter.Sincerely,Susan D***Director of Client Services

Complaint:
I am rejecting this response because:
--------- Forwarded message ----------From: Revdex.com of Metro Washington DCDate: Mon, Mar 9, at 10:AMSubject: Fwd: Revdex.com Online Complaint System | American MintTo: Cynthia Cameron
---------- Forwarded message ----------From: Carl *** Date: Sat, Mar 7, at 1:PMSubject: Fwd: Revdex.com Online Complaint System | American MintTo: [email protected]://www.Revdex.com.org/consumer-complaints/ Dear Cindy CameronI did send you a rebuttalBut to clarify the letter I sent youI will give you more info on the.issue They stated that they shipped me a coin@a gift watch an a collectors choice offers' by USPS for the cost of $an $S&H a total of $9.90.Which I paidThe invoice has amount due .The date on the invoice is 11/07/14. Notice In the invoice there is no mention of any bank notes or any other charges I oweTheir company sent me my collectors application which I ordered a commemorative coinNotice, The American Mint company then tries to obfuscate the issue by printing the “One hundred dollar banknote commemorative coin” Then they cross out special price -FREE and have S&H $Note a coin is not a banknote They later give the impression that they may have shipped the alleged notes in that shipmentBut , there was no notes in the shipment or notes ever sent to me or implied in their invoiceAs I told them I am not a collector of any paper noteI also informed them to put me on their do not mail list .My complaint ID
Regards,
Carl ***

9/7/2017Dear *** ***:I am writing in reference to *** ***'s rebuttal*** *** filed an initial consumer complaint with the Revdex.com (“Revdex.com) on 6/28/American Mint filed an initial response in a letter dated 7/7/(hereinafter referred to as the “initial response letter”)American Mint hereby restates and reincorporates its initial response letter by reference.On 7/20/2017, *** *** filed a rebuttalAmerican Mint responded in a letter dated 7/27/(hereinafter referred to as the “second response letter”)American Mint hereby restates and reincorporates its second response letter by referenceOn 8/11/*** *** filed a second rebuttalAmerican Mint responded in a letter dated 8/15/(hereinafter referred to as the “third response letter”)American Mint hereby restates and reincorporates its third response letter by referenceOn 9/1/2017, *** *** filed a third rebuttal.We have enclosed a new detailed statement of account for *** ***'s conveniencePlease note that as our third response letter indicated, we had written off *** ***'s invoice # s 10, and as demand lossesHe is no longer responsible for these specific invoicesHe has already been refunded payments he made toward these purchases.As *** ***'s attached detailed statement of account indicates, he has a current account balance of $1,This account statement details all invoices which were shipped to *** ***'s address, payments we received, the invoices in which the payments were applied towards and all of the refunds back to *** ***'s credit card.The bolded items on the account statement remain unpaid and need to either be paid for or returnedWe have mailed *** *** a postage paid, self-addressed *** mailing label which he needs to use when returning the bolded items on his account statementWhen *** *** returns all of the bolded items on his account statement, we will then clear his account balance.*** *** states in his third rebuttal that he returned coins to us with invoices which allegedly stated to not send him anything unless he orders itAs previously mentioned in our prior response letters, *** *** voluntarily placed orders with American Mint for coins*** ***'s attached statement of account shows when these orders were shipped to *** ***Since *** *** did not cross off the American Mint Satisfaction Guarantee paragraphs on his order forms in which he Voluntarily completed and returned to American Mint, *** *** was shipped future issues of his coin collection series to preview at the regular prices with no obligation to purchase*** ***'s statement of account shows which items he returned and the dates of the returnsIt also shows what payments *** *** made towards a specific invoiceWhen *** *** returned packages containing invoices with notes about not sending coins he did not order, his specific coin collection series for that order would have been cancelledSince *** *** continued to voluntarily send new order forms to American Mint, he would continue to receive coins in those new collection series.*** *** lists in his third rebuttal items in which he claims to have been charged for and returnedPlease note that *** *** was only billed for these itemsNone of them have been returned to American Mint and *** *** was never charged for any of the items he lists.As *** ***'s statement of account shows, he was shipped the $Washington coin on 9/15/(Invoice H3) to preview with no obligation to purchaseHe returned this item on 10/5/No credit was due back to *** ***'s credit card for this item because *** *** was not charged the $for the $Washington coin prior to this item's return. *** *** was shipped the Liberty Head Replica coin on 10/17/(Invoice #9)We received this item back on 1/2/*** *** is not due credit back to his credit card because the $was not charged prior to the Liberty Head Replica coin being returned.*** *** was shipped the Paquet Double Eagle Archival Edition coin on 6/30/2016 (Invoice #1)We received this item back on 8/4/As *** ***'s statement of account indicates, no credit was due back to his credit card because the Swas not charged prior to the Paquet Double Eagle Archival coin's return.*** *** was shipped the Liberty Bell coin on 10/17/(Invoice #8)We received this item back on 1/2/No credit is due back to *** ***'s credit card because the $was not charged prior to the Liberty Bell Archival Edition coins return.*** *** was shipped the Freedom coin on 12/1/(Invoice #25)We never received this item back nor payment for this item*** *** needs to return this item along with the other bolded items on his account statement using the enclosed postage paid, self-addressed Fed EX mailing label*** *** was only billed for the $135.90, his credit card was never charged for the $Thus, when he returns this item, it will only clear his account balance as to this specific invoice.*** *** was shipped the $Farragut on 12/2/(Invoice #27)As *** ***'s account statement shows, we never received payment for this item nor its returnHe was only billed $for this item, his credit card was never charged this amount for this itemBecause the account statement shows this item in bold, *** *** needs to return this item using the enclosed postage paid, self-addressed *** mailing labelSince *** *** was never charged for this item, when he returns this item, his account balance will only be cleared for this specific invoice.*** *** also lists a Pheasant knife as being returned and paid forPlease note that the Pheasant knife was part of *** ***'s account with American MintThe Pheasant knife was shipped to **and *** ***'s address on 5/13/and we received the Pheasant knife’s return on 6/22/Since *** ***’s credit card was not charged $prior to this items return, he is not entitled to a refund for the Pheasant knife.In conclusion, the items *** *** lists in his third rebuttal were returned but never paid forSince *** ***'s credit card was never charged for the above-mentioned items prior to their return, he is not entitled to any refunds or credit back to his cardPlease see the attached statement of account for details*** *** needs to either pay $1,or return all of the bolded items listed on the attached statement of account (invoice His 24-31) using the enclosed postage paid, self-addressed *** mailing labelThis label has already been mailed to *** *** and he should soon receive itOnce *** *** returns all of the bolded items listed in his attached statement of account, we will clear his account balance.We apologize for any inconvenience this may have caused *** ***Please let me know if you need anything furtherThank you for your assistance in settling this matter.Sincerely,Susan D.Director of Client Services