Ameriprise Financial

A letter will be sent to the client on Monday 3/14/I will fax you a copy of the letter along with a cover letter on Monday 3/14/ ***copied and pasted from email

I am rejecting this response because:Ameriprise has consistently and conveniently ignored all of the comparisons we have pointed out regarding the other annuity and pension payments we regularly receive from The Prudential, BNY Mellon and the Social Security Administration Every month four (4) direct deposits are received in our joint checking account at Bank of America (the same bank with whom our joint savings is supposed to get the RiverSource Annuity direct deposit) The last six plus years Prudential, BNY Mellon and of course the Social Security Administration have never ever failed to make payments on time In the case of a due date falling on a Sunday payments always post on the day before I assume that each of these entities use the U.Sbanking system to do their direct deposits I also assume that Ameriprise is using the same domestic banking system as everyone else The Annuitization Request form that [redacted] signed was signed in order to authorize the start of monthly payments We considered verbiage in that document concerning the ability of Ameriprise to blame the U.Sbanking system for their problem in the event they failed to make on time payments to be incidental boiler plate and not an obligation [redacted] was compelled to accept [redacted] was compelled to sign that document so as to start annuity payments flowing – no signature no monthly payments late or otherwise Ameriprise says they take the funds out of the annuity account on the due date and only then start the process of getting the funds into ***’s savings account How about they take the funds out of the account days prior and start the process early enough so that the deposit occurs on the date due or just before If our mortgage payment is due on the first of every month but if my payment does not reach my lender until the 3rd, 4th or 5th of the month, guess what: My Payment is LATE If you think the payment due on the 1st that consistently arrives on the 3rd, 4th or 5th is OK because there is a grace period - think again and check your FICO credit score On the same day that our complaint was filed with the Revdex.com (in the early morning hours) the letter referenced by Ms [redacted] from MrNicholson was received in the late afternoon I responded at once via email to his letter and have attached a copy for your review Finally, we see no reason to accept the weak and lame excuses offered by Ameriprise to justify their failure to make on time payments So let us not lose sight of the most important factor here – this is ***’s money not theirs.Respectfully, [redacted] / [redacted] Style Definitions */ / [redacted] Style Definitions */

Ameriprise Financial Services, Inc(Ameriprise or Firm) respectfully submits this letter as its response to your letter dated April 8, 2016.Ms [redacted] stated that she was unable to transfer her Simple Individual Retirement account (SRA) from Ameriprise to Vanguard for two years and she disputed having to pay $annually for a custodial fee for the Firm to maintain her retirement account She requested to be reimbursed $in fees paid.Our review found that Ms [redacted] completed her application to enroll in her former company, [redacted] Simple IRA plan in February and began contributing to it in April According to the application, Ms [redacted] agreed to having received the Client Agreement and Your Guide to IRA's, which described the terms and conditions of the plan, including custodial fees.For plan start dates between January through September each year, the $custodial fee is assessed the following December So in Ms [redacted] 's case, she paid the fee in December Going forward, the custodial fee will be assessed annually in March; and therefore, she was assessed the fee last month.Per the Internal Revenue Service (IRS), Simple IRA contributions and earnings may be rolled over tax-free from one Simple IRA to another A tax-free rollover may also be made from a Simple IRA to an IRA that is not a Simple IRA, but only after two years of participation in the Simple IRA plan.Based on the information provided, we respectfully decline to reimburse Ms [redacted] the custodial fees assessed.Should you have any additional questions, please do not hesitate to contact me directlyRespectfully,Colleen [redacted] SrCompliance AnalystCompliance Department###-###-#######-###-#### FAX

Ameriprise Financial Services, Inc(Arneriprise or Firm) respectfully submits this letter in response to your letter dated December 18, We are currently working with the consumer to reach a resolutionA follow up is scheduled for the first week of January 2018, to provide a status updateWe have been in contact with Mrs [redacted] and provided an apology for any incorrect information that may have been providedIt is our understanding that the consumer is currently satisfied with our attempts to reach a resolution and our scheduled follow up to provide a status update

***corresponding documents attachedRe: Complainant - [redacted] Ameriprise Financial Services, Inc Your Case ID # [redacted] Dear Ms [redacted] :Ameriprise Financial Services, Inc(Ameriprise or Firm) respectfully submits this letter as its response to your letter dated May 26, 2016.Ms [redacted] previously submitted her concerns to the Firm Enclosed please find a copy of the May 23, 2016, response provided to her, which outlines the Firm's position on this matter.Should you have any additional questions please do not hesitate to contact me directly.Respectfully,Debi ***Compliance ManagerCompliance Department###-###-#######-###-#### FAXEnclosure

Initial Business Response / [redacted] (1000, 5, 2016/03/17) */ Re: Case # [redacted] Dear Ms [redacted] : Ameriprise Financial Services, Inc(Ameriprise or Firm) respectfully submits this letter and the documents enclosed in response to your letter dated March 7, Enclosed you will find the Firm's response to the above-referenced complaint Thank you for the opportunity to respond to this matterPlease contact me if you have questions or require additional information Sincerely, Adam [redacted] Compliance Manager Compliance Department [redacted] FAX Enclosure Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/03/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 12, 2015/09/11) */ ***Corresponding documents attached Case # [redacted] Dear Ms [redacted] : Ameriprise Financial Services, Inc(Ameriprise or Firm) respectfully submits this letter and the documents enclosed in response to your letter dated August 20, Thank you for providing additional time for our response Enclosed you will find the Firm's response to the above-referenced complaint Thank you for the opportunity to respond to this matterPlease contact me if you have questions or require additional information Sincerely, Adam [redacted] Compliance Manager Compliance Department [redacted] FAX Enclosure Initial Consumer Rebuttal / [redacted] (3000, 18, 2015/09/23) */ Revdex.com Complaint Case # [redacted] Dear Better Business, This letter is my rebuttal to the formal response you received from Ameriprise Financial, their response was completely lacking in any attempt to resolve the issues I presentedUnfortunately it is typical of the type of customer service the firm providesIt is certainly far from any resolution since they did not bother to present one My reason for the rebuttal are, first, in the fourth paragraph on Page they declare that when I met with Mr [redacted] on March 30, to discuss the purchase of my home, I was very comfortable with him telling me I could afford to purchase the property , this was completely untrueI repeatedly, probably or more times, asked if I could really afford the purchase I was about to makeHe assured me I had plenty of funds to cover the costsI would think a so called financial advisor, who I was paying for advice, would have at the minimum discussed all of the associated costs, such as high maintenance, taxes etcon one salaryI realized on his advice since that is why I was there Ameriprise also states in the same paragraph that I agreed to a moderate /aggressive portfolioNothing could be further from the truthI said many times that I only wanted very safe and secure investments and nothing elseMr [redacted] totally disregarded my request and went about doing whatever he wanted without consideration for my needs After I had purchased the house I went to another financial advisor, who was recommended by a friend, this advisor told me I had committed financial suicideUnfortunately it was too late to make a different decision In the fifth paragraph on Page 1, they stated I elected to purchase a REIT for $50,Again I was depending on Mr [redacted] recommendations since that was what I was paying him forHe highly recommended that I buy the REIT and that I would receive dividends and that this was the safest product availableHe assured me I would never lose money on itI would receive the extra cash and this company had never lost any funds in over yearsMy fund would be perfectly safe with his investmentI felt secure with his supposedly good adviceAmeriprise continues in the first paragraph of the next page to declare that the Agreement contained disclosures related to the risksThis was instead represented to me as the safest possible investment by Mr [redacted] I depended on his advice since that is how he represented himself In the second paragraph of page 2, they state that I transferred the REIT share out of my Ameriprise accountThey stated that I agreed to the risk and investment objectivesThat again is untrueNo, Mr [redacted] told me that there were no risks for this investmentIn May of he told me that I must sell my REIT because I would not be guaranteed that there would be anything left if I did not do it at the timeFor my $50,investment I would only recoup $35,Another very difficult loss for me thanks to the great advice of Mr [redacted] I had no choice but to sell the shares according to the continued incompetent advice from Mr [redacted] On page 3, in the first paragraph they state that in the page agreement that it said I would be charged a fee of $to close my account and that after Mr [redacted] lost all of my money I would be charged $a year for them keeping what little I had leftOne would think a financial advisor may suggest you move your remaining funds to an honorable firm who doesn't charge you such a fee and doesn't charge you to close your accountInstead he transferred my account to who knows where within Ameriprise without even having the common decency to let me knowThey state in the second paragraph that reassigning clients from one advisor to another is a routine practice within the industryIt is done without prior notice to affected clients and they are proud to say there is no requirement to do soWhat great customer service, how arrogant can one beI would think common decency would preclude needing a law to advise your client that they have moved your accountThere may be no law that requires it but I would think moral and ethical rules would necessitate you letting your client of the changeNo wonder I now have heard that they have more complaints against Ameriprise at the financial regulatory agency than any other financial company Mr [redacted] did assure me on many occasions that my investments would be completely safe particularly in reference to the REITMr [redacted] had an obligation and a fiduciary duty to act in the best interest of his client, meHe totally disregarded me and my situationHis advice was not at all suitable for his client, me I am requesting as a resolution for this abominable service and advice that I be refunded at the minimum $7,for the loss of $15,for the REIT that he highly recommended and assured me I would not lose anything knowing I had zero tolerance for risk Second, I am requesting a refund of the $that they stole from me to close my account where they lost all of my funds and then transferred it without even my knowledgeWhat type of company would do that? Ameriprise Third, I am requesting a tally of the clients Mr [redacted] transferred in the last five years and the account balances they had at the timeDoes he only do this to those where he has given horrible financial advice, lost their money and then rid them of his services At the time I was referred to Mr [redacted] I was going through the most difficult time of my lifeI was dealing with a horrible divorce and depended on his advice to at least try to make sense of my financesI was given the recommendation for him from my divorce attorney Ms [redacted] who I am sure who was receiving a kick back from Mr [redacted] I only learned after my terrible experience that Ameriprise is known as the worst in the industry and that others would never recommend them under any circumstanceMore complaints are received about their business practices than any other financial firmI feel it is my duty to warn others of the way they conduct businessI have already warned at least people who are ready to make investments to stay away from them at any costI also have been speaking to a number of people who have accounts there and are ready to switch to other firms despite the cost of closing the accountAll I can do is warn them of their deceptive practices and to warn others through my voice and other venues such as YELP I have also warned my three sons, who stand to inherit quite a bit of money, to never, ever under any circumstances invest with AmeripriseI wish I had known that they have the worst reputation in the industry I have also enclosed an article on Customer Service which is greatly lacking with Mr [redacted] and his "charming" assistant who repeatedly told me with great contempt there was only a $1,left in my accountShe also assured me Mr [redacted] would return my call when he was back from his two week vacation, of course that never happenedYes, I just lost another $50,with your boss's advice and that may be why I only have a $1,in the accountThey both are in serious need of customer service training It is very unfortunate that I was taken advantage of at the worst time of my lifeI am not sure how people like this sleep at nightI would like to have you mediate a reasonable settlement with Ameriprise on my behalfThank you Sincerely, [redacted] ***copied and pasted from email Final Business Response / [redacted] (4000, 20, 2015/10/01) */ ***Corresponding document attached Re: Ameriprise ONE brokerage account # [redacted] Dear Ms [redacted] : Ameriprise Financial Services, Inc(Ameriprise or Firm) is writing in response to your September 23, 2015, complaint filed with the Revdex.com of Minnesota and North Dakota, which was written in response to our previous response to this matter dated September 9, While we appreciate your viewpoint on this matter, your letter did not provide any additional information concerning the facts of this complaintTherefore, our position as was reported in our September 9, 2015, correspondence remains unchangedWith regard to the information you requested regarding other clients of Mr [redacted] you are not entitled to receive such information Respectfully, Adam [redacted] Compliance Manager Compliance Department [redacted] FAX

Initial Business Response / [redacted] (1000, 8, 2015/10/01) */ ***Corresponding document attached RE: Account# [redacted] RiverSource Single Pay Life Insurance Policy for [redacted] Dear Ms [redacted] : We are responding to your correspondence sent to the Revdex.com of Minnesota and North Dakota on September 21, You stated that you requested a copy of the cancelled check that was issued to your deceased father, [redacted] , approximately three years ago and you have not received a response from Ameriprise Financial Services, IncYou requested that we issue a check for $50,payable to the Estate of [redacted] Our records indicate that we did respond to your request on September 23, A letter was mailed to you by Ameriprise Executive Vice President, John [redacted] , along with a copy of the cancelled check, and the account closure statement for your reviewAs such, we respectfully decline your request to issue another check as the policy was surrendered by Mr [redacted] , as requested in We appreciate the opportunity to address your concerns Sincerely, Colleen [redacted] Compliance Department [redacted] 1- [redacted] FAX Initial Consumer Rebuttal / [redacted] (2000, 10, 2015/10/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you so much for your help with this matterIt is greatly appreciatedIt was clear to me that the signature on the check was my father's, so the case is closed

Initial Business Response / [redacted] (1000, 5, 2015/06/12) */ ***Corresponding documents attached Re: [redacted] K [redacted] Client # [redacted] Dear Ms [redacted] : Ameriprise Financial Services, Inc(Ameriprise or Firm) is writing in response to your May 28, 2015, complaint filed with the Revdex.com of Minnesota and North Dakota in which you raised concerns about the taxes you incurred as a result of making changes to your Ameriprise portfolio and the difficulty you experienced when trying to transfer your funds out of Ameriprise Our review found you signed the enclosed Ameriprise Active Portfolios account application on November 8, 2013, and elected to allocate the funds held in the account to the Active Diversified Moderate Conservative PortfolioBy signing the account application you acknowledged that you would pay a 1.25% monthly wrap fee on the account and had received and read the enclosed Ameriprise Active Portfolios Client AgreementSection of that agreement provides disclosure relating to any and all tax liabilities that may result from transactions in your account and/or distributions from your account We further found that you entered into a financial planning arrangement with Ameriprise financial advisor, Dale ***, on November 8, 2013, by signing the enclosed Ameriprise Financial Planning Service agreement, in which you agreed to pay an annual fee of $As part of this arrangement and in exchange for this fee, Mr [redacted] provided you with written and actionable financial recommendations outlined in the enclosed Financial Advisory Proposal dated April 30, Please note that the General Disclosure page of your financial plan provides specific disclosure that neither Ameriprise, nor its financial advisors, are authorized to give tax advise and that you should consult with a tax professional for specific issues, including tax planning and asset transfers Prior to the delivery of your financial plan, Mr [redacted] sent you a letter dated November 22, (enclosed), in which he reiterated the rationale for the recommendation to allocate the funds held in your Active Portfolios account to the Active Diversified Moderate Conservative Portfolio In a subsequent letter dated August 15, 2014, Mr [redacted] indicated that you both discussed and agreed that your investment risk tolerance remained moderate/conservativeHowever, Mr [redacted] recommended an increase in the tactical investment strategy percentage in your portfolio by performing a strategy change in your Active Portfolios account in order to better align with your investment objectivesIt is our understanding that you agreed to change the portfolio allocation of your account from the Active Diversified Moderate Conservative Portfolio to the Active Adaptive Outlook Moderate Conservative PortfolioAs was previously disclosed, you bear responsibility for consulting a tax professional to determine the potential tax consequences of any authorized account activity Our records show that the requests received to transfer or liquidate your accounts were processed in a timely manner in accordance with the terms and conditions of the applicable client service agreements and after receiving the required paperwork in good orderAt this point all of the positions and funds that were held in your Ameriprise accounts have been either transferred or liquidated In conclusion, our review found you authorized the portfolio fund change within your Active Portfolios account and were responsible for paying the applicable taxes, financial planning fee and the Active Portfolio account wrap feesAs a result, we respectfully decline your request to be reimbursed for various fees and taxes you alleged to have incurred as a result of the portfolio fund change or the transfer processThank you for the opportunity to address your concerns Respectfully, Adam [redacted] Compliance Manager Compliance Department [redacted] FAX Enclosures cc: Revdex.com of Minnesota and North Dakota Initial Consumer Rebuttal / [redacted] (3000, 13, 2015/07/20) */ Thank you for the extended opportunity to respond to Ameriprise Financial Services, Incresponse to my complaint I will address each paragraph of their letter dated June 11, by number Paragraph 2: The application, monthly wrap fee, or tax liabilities are understood Paragraph 3: Financial planning agreement, fees, written and actionable financial recommendations understood Paragraph 4: Letter dated November 11, funds to Active Diversified Moderate Conservative Portfolio understood Paragraph 5: Risk tolerance to remain Moderate-ConservativeDiscussion of increase in tactical investment strategy by changing to Active Adaptive Outlook Moderate-Conservative PortfolioThere was NO discussion that this would mean the financial advisor would SELL EVERYTHINGI DID NOT EVER AUTHORIZE THISThe sale of everything is what generated nearly $29,I was required to pay for as income on my income taxesThis amount was never reflected as gains in my portfolio, but instead went directly into Amerprise's pocket In December of I was consulting the CPA firm regarding taxes (which financial advisor referred me to the previous year)I had called financial advisor prior to this and asked financial advisor as of this date what did the dividends and capital gains amounts look likeI was told $for dividends and $for capital gainsThis is the information I gave the CPAAt this time, the sale of everything had already occurred, so financial advisor would have known the dollar amounts thenMy financial advisor is a CPA and would have known financial repercussions of selling everything offHe did not represent my best interests and I feel taken advantage of I believe Ameriprise is guilty of "churning"I request reimbursement for amounts previously cited in initial complaint Paragraph 6: Transfer or liquidate of accounts were processed in a timely mannerNOT TRUEI wanted all accounts transferred, periodMy deceased son's account, which was set up for his infant son, WAS NOT transferred with other accountsFebruary 17, accounts transfers began and on February all accounts but my son's accountThis account COULD NOT BE TRANSFERRED because it was unknown what type of account it was and how it was set upI was never able to see anything about this account on the website as it said I was not able to access this informationMultiple calls to Ameriprise toll-free number and also including call to financial advisor who could not recall for sure how it was set up and instructed me to contact attorney and bankI called both; neither had anything to do with how account was set upAttorney charged $to look into whether she had had had contact with financial advisor regarding the setting up of this account and she had notFinancial advisor stated he could no longer help me because "all of the accounts were taken away from him"This was NOT TRUEFinancial advisor had the account until funds were finally transferred in April, In contacting Ameriprise, even with new financial advisor, Ameriprise could not tell me how the account was set upThey could tell me it was orginally set up incorrectly, but found no information regarding the type of account it was or the orginal paperwork of when it was set up Anyone of the Ameriprise individuals could have seen this account was a check writing account and could have advised I write a check to myselfHad I known this and had had even one check, I could have just written a check to myself to get the moneyInstead after many contacts, it was advised that I change ownership of the accountIn a page form, which also cost me $to faxI was told I would be contacted when the ownership was changed and then monies would be sentI never received a call, so I called Ameriprise once againI was told there was a "hold" on the account because of change of ownership so monies could not be dispersedAmeriprise would have to take the hold offHad I not called, I would have waited even longer Since I was not able to transfer this account at the time I transferred my other accounts, and this account lost money during the time it took Ameriprise to disperse this money, I request the amount of money at the time of other transfers (February) be the amount dispersedI was given amount account was worth at time of change of ownership which is a lesser amountThis difference, as well as any other charges I was assessed with closing this account should also be reimbursed as my wishes were to transfer all accounts in February and was not able to for the above mentioned reasons Please advise if you have any questions regarding the information provided Respectfully submitted, [redacted] @att.net [redacted] ***copied and pasted from email

Re: Complainant - [redacted] Ameriprise Financial Services, Inc. Your Case ID# [redacted] Dear Ms. [redacted] :Ameriprise Financial Services, Inc. (Ameriprise or Firm) is writing in response to Ms. [redacted] 's June 29, 2016, complaint filed with the Better... Business Bureau of Minnesota and North Dakota in which she raised concerns about her recent attempt to withdraw funds from her RiverSource Life Insurance Co. of New York Flexible Annuity contract. We appreciate the opportunity to address Ms. [redacted] 's concerns.We found Ms. [redacted] called the Firm on June 1, 2016 requesting information on the contract and how to request a distribution. Our records indicate on that date the necessary distribution form and bank authorization form were emailed to her email address on record. We found M.s [redacted] made subsequent calls on June 7, 2016, June 16, 2016, June 21, 2016, June 27, 2016, and June 29, 2016. Our records indicate on the June 7, 2016 call she stated she had received the bank authorization form but not the distribution form. Our records indicate another distribution form was emailed to her email address on record on that date. We found on June 16, 2016 she stated she had not yet received and another distribution form and bank authorization form were sent via fax the following day.Our review found on June 21, 2016 we received a partial distribution request form that was not in good order due to missing pages and as a result the request was ultimately rejected. On June 27, 2016 another distribution request form was faxed and mailed to Ms. [redacted] . Later that day a distribution request from was received in good order and the requested withdrawal was completed. On June 27, 2016 a check was mailed to the client as instructed on the form and was posted as paid on July 6, 2016.Ameriprise strives to provide quality service to all our clients. We regret if the service Ms. [redacted] received did not meet her expectations and we certainly apologize for any inconvenience she may have experienced.We trust you find this information useful. Thank you for the opportunity to respond.Respectfully,Nicholas [redacted] Compliance ManagerCompliance Department###-###-#######-###-#### FAX***original document attached.

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

Revdex.com:We have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve our complaint. For your reference, details of the response we reviewed appear below.Response from the Business: "Evans Transportation Services is a Transportation Intermediary, by definition and by law Evans neither assumes nor offers to assume the Motor Carriers liability for cargo loss or damage. Evans is simply a freight matching service that in addition to finding a motor carrier to transport a shippers property, offers to advance payment to the motor carrier for its clients. Evans does assist most of its customers with filing claims. Evans on behalf of ***, and with ***’s authorization and recap of the events and loss amounts, Evans assembled the claim documents and forwarded the same to *** Transport and ***’s insurer. Again, Evans does not assume the motor carriers liability for payment of loss or damage claims. While it is unfortunate that the loss occurred and that the motor carrier is no longer in business, it is not Evans liability to compensate *** for the loss."Reason for Rejection: There was no offer made by the business to resolve the matter in its response to our complaint, and it appears that the business is denying its liabilityThe grounds for the business' denial of our claim is based on its contention that it is simply a transportation intermediary and freight matching service - a transportation broker.We disagreeWe believe that the business is liable for the damages our company suffered based on Negligent Hiring and Vicarious LiabilityIt was in fact the respondent business that hired its carrier trucking company that was apparently not properly equipped with a container for the transportation of our goods or a proper insurance policy to cover the liabilityA broker like the respondent business cannot avoid its liability simply because it acted as an intermediaryThe respondent business should be liable for our damages based on Negligent Hiring and Vicarious Liability because it hired the carrier that was not qualified to undertake the job[*** ** *** *** *** *** *** ***]We hope to avoid costly litigation and expect the respondent business to propose a reasonable and acceptable settlement offer to resolve the matter.Thank you for your assistance.Regards,
*** *** ***
*** *** ***

Initial Business Response /* (1000, 5, 2015/11/06) */
***Corresponding documents attached
Re: Complainant -***
***
Your Case ID # ***
Dear Ms***:
Ameriprise Financial Services, Inc., is writing in response to your
request dated October 30, Enclosed please find a copy of the response sent to the complainantShould you have any additional questions please do not hesitate to contact me directly
Respectfully,
Debi ***
Compliance Manager
Compliance Department
***
*** FAX
Enclosure
Initial Consumer Rebuttal /* (3000, 7, 2015/11/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Although the address is correct, I have received none of this paperworkI suspect that this was created after the fact and this is knowledge that the office should have been able to provider to me but for some reason didn'tI would like to keep this case open until the funds are actually transferredI think that this inquiry was what prompted them to actually offer this informationAnyone who has a similar transaction request should be better treated then I was
Final Consumer Response /* (4200, 18, 2015/12/02) */
I had a phone appointment with an Ameriprise representative this morningI was given a number and waited on hold about MinutesI ended up talking to someone who was not familiar with the caseNo one knw my specific contact person and nothing was accomplishedI expect a phone call back to my land line which is a number that I have access to only half the weekI am going into a part of the week when my job takes me out of phone contactLeaving a message at a number during a time when one knows no one is available is not really reaching out in good faith
Final Business Response /* (4000, 22, 2015/12/17) */

***Corresponding document attached
Re: Case # ***
Dear Ms***:
Ameriprise Financial Services,
Inc(Ameriprise or Firm) respectfully submits this letter and the documents enclosed in response to your letter dated February 12,
Enclosed you will find the Firm's response to the above-referenced complaint
Thank you for the opportunity to respond to this matterPlease contact me if you have questions or require additional information
Sincerely,
Adam ***
Compliance Manager
Compliance Department
***
*** FAX
Enclosure (AmeripriseCodyReply.pdf)

Good travel busDeparts on timeIt has confortable seat (I am a tall person)
They give you a long Vietnamese sandwich and a bottle of water for the travelThey make a couple of stop (pick or drop) and you can buy more stuff to eat or drink (listent for the time u have or they can depart without you Remember they try to get on time)You can't bet the price
con: There is no Wi-Fii or movies as advertise, so bring your kind of entertainment

Initial Business Response /* (1000, 12, 2016/01/15) */
Because Mr*** speaks of his mother's account regarding her current health situation, however, there is no name provided for his motherI am unable to proceed on this without the mother's name and possibly her Client ID number
Let me
know if he continues to be interested in pursuing this complaint and is able to supply more information to us
Thank you
***copied and pasted from email
Initial Consumer Rebuttal /* (2000, 14, 2016/01/25) */

Initial Business Response /* (1000, 6, 2015/05/15) */
Re: Complaint - *** ***
Ameriprise Financial Services, Inc
Your Case ID# ***
Dear Ms***:
Ameriprise Financial Services, Inc(Ameriprise or Firm) respectfully submits this letter as its response to your letter
dated May, 4,
Our review found Mr*** did complete an entry for to win a $gift card or a complimentary lunch at the Olive Garden for his co-workers and himself while attending the Multiple Sclerosis Walk Even on April 12, Ameriprise financial advisor, *** ***, called Mr*** the following day to advise that he did not win the gift card, but he did win the luncheon
We regret Ms*** has not returned Mr***' calls as her work schedule has had her commuting to various branch offices within the greater Boston, MA area for appointmentsShe has agreed to reach out to Mr*** within the next days and will provide him with the details regarding the complimentary lunch that he won
Ameriprise is committed to providing the best service possible and we regret any frustration this situation may have caused Mr***Thank you for the opportunity to address this matter
Should you have any additional questions, please do not hesitate to contact me directly
Respectfully,
***
SrCompliance Analyst
Compliance Department
***
*** FAX
***corresponding document attached

Initial Business Response /* (1000, 5, 2015/09/18) */
***Corresponding documents attached
Re: Complainant - ***
Ameriprise Financial Services, Inc
Your Case ID # ***
Dear Ms***:
Ameriprise Financial Services, Inc(Ameriprise or Firm) respectfully
submits this letter as its response to your letter dated September 11,
Should you have any additional questions, please do not hesitate to contact me directly
Respectfully,
Colleen ***
SrCompliance Analyst
Compliance Department
***
*** FAX
Enclosure
Initial Consumer Rebuttal /* (3000, 7, 2015/09/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The Ameriprise response dated September 17, 2015, to our complaint is unacceptable
We appreciate that the $invested without our consent on August 10, 2015, was made whole and liquidated on September 15, This was a blatant mistake with Ameriprise at fault and took days to rectify
The bottom line is we expected that Ameriprise and its financial advisor(s) would operate with integrity and the guidelines set forth in the Ameriprise Financial Client Relationship Guide (attached, ref Page 2), which they failed to doWhile Ameriprise claims that we agreed to abide by the Managed Accounts Client Disclosure Brochure, this does not address this situation where we were transferred to a new financial advisor who failed to contact us and continued to charge us wrap feesThe wrap fees in dispute were charged from April to August 11, (days equivalent to $worth of wrap fees)
In Attachment #4, an e-mail from Mr*** dated May 27, 2015, did provide a recommendation of sales at our request from a May 26, 2015, phone call between Mr*** and ourselves, which we disagreed with and did not followThis e-mail also documented Mr*** stating "I would like to review your current investments in detail and have further discussions with you in the future date." This documents that until this point, Mr*** had not reviewed our investments and had not provided investment advice since receiving our accountThis accounts for days (April - May 27, 2015) and $(calculated by simple proration of days) we were charged wrap fees without receiving investment advisory servicesFor of these days, our new financial advisor, Mr***, had not made contact with us; it was us that called him on May 26, 2015, to initiate our first conversation
On July 16, 2015, we sent an e-mail where we notified Mr*** that we would be moving our money out of Ameriprise (attached)I followed this up the same day with a phone callMr*** was unavailable and his secretary (Carlie ***) asked us to wait until July 20, 2015, to liquidate the fundsAgain, Mr*** was unavailable on July 20, 2015, so I proceeded with the liquidation myself without having spoken to himIt is clearly a conflict of interest if I am unable to contact my financial advisor and am being charged for wrap fees for the same time periodAs mentioned previously, the wrap fees continued to be charged through August 11, Attachment #was the last contact we received from Mr*** wishing us success in where we were going and ignoring our inquiry regarding the wrap fee reimbursementIt is quite clear that these final days (July - August 11, 2015) and $(calculated by simple proration of days) we were charged wrap fees and received zero investment advisory services
At an absolute minimum, we should receive $worth of wrap fees back from Ameriprise even if Ameriprise argues that the period from May 27, to July 16, 2015, we knew we would be charged wrap fees for investment advisory services from Mr***I believe an inquiry to Mr*** himself would reveal that he did not provide services to us beyond the single e-mail referenced above and certainly not enough to justify $worth of fees
The Ameriprise Financial Client Relationship Guide (attached) states the following: "You can expect fair, ethical, and respectful treatment in all interactions with us." It is obvious that we did not receive this type of treatment from Ameriprise and had to elevate our issues to the Revdex.com and FINRA to illicit a responseOur hope is that Ameriprise will view this situation with integrity and reimburse us for fees paid for a service they were not providing
With respect to the account closure fee that was charged twice to our joint account, this was not addressed by Ameriprise at all in their September 17, 2015, letterAs was requested previously, please reverse one of the $chargesThe August statement in which our joint account was charged two $fees is attached (see Page 5)
Final Business Response /* (4000, 10, 2015/10/02) */
***Corresponding document attached
RE: Joint Strategic Portfolio Service (SPS) Advantage Account # ***
Roth IRA SPS Advantage Account # *** for ***
Roth IRA SPS Advantage Account # *** for *** ***
Dear Mrand Mrs***:
We have responded to your concerns previously by telephone and written correspondence dated June 2, 2015, and September 17,
Our records show that you became clients of Ameriprise Financial Services, Incin May 2014, upon the completion of Power of Attorney documents, which authorized Stephanie ***, to act on your behalf via which she completed and signed the applications to the above managed accounts on June 5, Pages through and of the Managed Accounts Client Disclosure Brochure that you were provided explained that the negotiated management (wrap fee) includes: load-waived A share class or no-load funds as opposed to paying a sales charge or commission for each securities transaction, custody of securities, account reporting, and financial advice whether you chose to accept the recommendations or not
We have reviewed the handling of your accounts and the fees paid at lengthYour designated Power of Attorney, Ms***, agreed to the terms and conditions associated with maintaining the SPS Advantage type of managed accountsYou were provided the option to change your managed accounts to brokerage accounts in our letter dated June 2, At that time, you opted to keep the managed accounts and thereafter, transferred them to another firmAs such, the closure fee of $applied to the joint account and the termination fee of $was charged for the ACAT transfers of securities to your new firm
While we appreciate your viewpoint on this matter, your concerns have been addressed previously and our position remains unchangedWe will no longer respond to any further communications, which contain content already provided to our Regulators or to you directlyWe consider the matter closed
Sincerely,
Colleen ***
Compliance Department
***
*** FAX

Evans Transportation Services is a Transportation Intermediary, by definition and by law Evans neither assumes nor offers to assume the Motor Carriers liability for cargo loss or damage. Evans is simply a freight matching service that in addition to finding a motor carrier to transport a
shippers property, offers to advance payment to the motor carrier for its clients. Evans does assist most of its customers with filing claims. Evans on behalf of ***, and with ***’s authorization and recap of the events and loss amounts, Evans assembled the claim documents and forwarded the same to *** Transport and ***’s insurer. Again, Evans does not assume the motor carriers liability for payment of loss or damage claims. While it is unfortunate that the loss occurred and that the motor carrier is no longer in business, it is not Evans liability to compensate *** for the loss

***Corresponding documents attached.Re: Complainant - *** *** *** Ameriprise Financial Services, Inc. Your Case ID #***Dear Ms***:Ameriprise Financial Services, Inc(Ameriprise or Firm) respectfully submits this letter and the enclosed
documents as its response to your letter dated July 8, 2016.Should you have any additional questions, please do not hesitate to contact me directly.Respectfully,Colleen ***SrCompliance AnalystCompliance Department###-###-#######-###-#### FAXEnclosure