Ameriprise Financial

RE: Complaint - *** *** RiverSource Life Insurance Company Your Case ID# ***Dear Ms***:RiverSource Life Insurance Company (RiverSource or Company) is writing in response to Mr***'s July 1, complaint filed with the RevDex.com of Minnesota and North Dakota in which he raised concerns about the service provided during his efforts to obtain information related to a beneficiary payment from RiverSource Preferred Gold Fixed Annuity contract number XXXXXX We appreciate the opportunity to address Mr***'s concerns.We found Mr*** was a named beneficiary of the original annuitant of the contract in question Our records indicate that another named beneficiary had passed away prior to that beneficiary's payment being completed As a result that beneficiary's payment is due to the estate of the named beneficiary This information was communicated to the beneficiary's estate in a May 19, letter that was mailed on the same day as Mr***'s initial beneficiary notice letter Additionally, on July 27, Mr*** was provided a letter as the individual who initially notified the Company of the beneficiary's passing that requested documentation necessary to complete the beneficiary's payment The July 27, letter was addressed the same as Mr***'s May 19, notice, and our records do not indicate that the letter was returned as undeliverable.Our review found the necessary documentation was not received from the beneficiary's estate and in an effort to comply with Internal Revenue Service rules the contract has been terminated Presently the funds from the terminated contract are available to be claimed from the Company by the beneficiary's estate upon receipt of the requested documentation.Should Mr*** wish to assist in completing the claim for the beneficiary's estate he may submit the enclosed Death Claim Statement form along with a completed IRS Form Wfor the estate, certified death certificate for the named beneficiary, and Letters of Testamentary or equivalent documentation naming the estate's representative The documentation may be mailed to: RiverSource Life Insurance Co.*** *** *** ***Minneapolis, MN 55474For assistance in completing the Death Claim Statement form he may call RiverSource Client Services at ###-###-#### To allow the RiverSource representative to better assist Mr*** he will want to reference the contract number, that he was sent a letter dated November 6, requesting he contact the Company regarding the claim, and refer to the other named beneficiary.RiverSource strives to provide quality service to all our clients We regret if the service Mr*** received has not met his expectations.We trust you find this information useful thank you for the opportunity to respond.Respectfully,Nicholas ***Compliance ManagerCompliance Department ###-###-#######-###-#### FAXEnclosure***corresponding documents attached

Initial Business Response /* (1000, 8, 2015/10/01) */
[redacted]Corresponding document attached.
RE: Account#[redacted] 4 004 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, 2015. 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, Inc. You requested that we issue a check for $50,000 payable to the Estate of [redacted].
Our records indicate that we did respond to your request on September 23, 2015. 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 review. As such, we respectfully decline your request to issue another check as the policy was surrendered by Mr. [redacted], as requested in 2011.
We appreciate the opportunity to address your concerns.
Sincerely,
Colleen [redacted]
Compliance Department
[redacted]
1-[redacted] FAX
Initial Consumer Rebuttal /* (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 matter. It is greatly appreciated. It was clear to me that the signature on the check was my father's, so the case is closed.

Initial Business Response /* (1000, 12, 2016/01/21) */
Re: 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...

request dated January 22, 2016.
The Firm has reviewed the telephone conversation between Ms. [redacted] and Allan [redacted], Annuity and Insurance Conservation Manager, as referenced in Ms. [redacted]'s letter of complaint. The purpose of Mr. [redacted]'s inquiry during the conversation was to ensure Ms. [redacted] understood any potential tax implications or surrender charges associated with the request to her annuity contract.
The review found Mr. [redacted]'s level of service in this instance did not meet the Firm's standard and we regret any inconvenience experienced by Ms. [redacted].
Ms. [redacted] was issued a check in the amount of $9,599.11 representing the full surrender value of her annuity contract, and which she presented for payment on January 13, 2016.
Should you have any additional questions please do not hesitate to contact me directly.
Sincerely,
[redacted]
Compliance Manager
Compliance Department
[redacted] FAX
Initial Consumer Rebuttal /* (2000, 14, 2016/02/01) */

Initial Business Response /* (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, 2016.
Enclosed you will find the Firm's...

response to the above-referenced complaint.
Thank you for the opportunity to respond to this matter. Please contact me if you have questions or require additional information.
Sincerely,
Adam [redacted]
Compliance Manager
Compliance Department
[redacted]
[redacted] FAX
Enclosure
Initial Consumer Rebuttal /* (2000, 7, 2016/03/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/06/12) */
[redacted]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 Portfolio. By 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 Agreement. Section 20 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 [redacted], on November 8, 2013, by signing the enclosed Ameriprise Financial Planning Service agreement, in which you agreed to pay an annual fee of $1000. 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, 2014. 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, 2013 (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/conservative. However, 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 objectives. It 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 Portfolio. As 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 order. At 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 fees. As 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 process. Thank you for the opportunity to address your concerns.
Respectfully,
Adam [redacted]
Compliance Manager
Compliance Department
[redacted]
[redacted] FAX
Enclosures
cc: Revdex.com of Minnesota and North Dakota
Initial Consumer Rebuttal /* (3000, 13, 2015/07/20) */
Thank you for the extended opportunity to respond to Ameriprise Financial Services, Inc. response to my complaint.
I will address each paragraph of their letter dated June 11, 2015 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, 2013 funds to Active Diversified Moderate Conservative Portfolio understood.
Paragraph 5: Risk tolerance to remain Moderate-Conservative. Discussion of increase in tactical investment strategy by changing to Active Adaptive Outlook Moderate-Conservative Portfolio. There was NO discussion that this would mean the financial advisor would SELL EVERYTHING. I DID NOT EVER AUTHORIZE THIS. The sale of everything is what generated nearly $29,000 I was required to pay for as income on my income taxes. This amount was never reflected as gains in my portfolio, but instead went directly into Amerprise's pocket.
In December of 2013 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 like. I was told $4000 for dividends and $11000 for capital gains. This is the information I gave the CPA. At this time, the sale of everything had already occurred, so financial advisor would have known the dollar amounts then. My financial advisor is a CPA and would have known financial repercussions of selling everything off. He 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 manner. NOT TRUE. I wanted all accounts transferred, period. My deceased son's account, which was set up for his infant son, WAS NOT transferred with other accounts. February 17, 2015 accounts transfers began and on February 27 all accounts but my son's account. This account COULD NOT BE TRANSFERRED because it was unknown what type of account it was and how it was set up. I was never able to see anything about this account on the website as it said I was not able to access this information. Multiple 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 bank. I called both; neither had anything to do with how account was set up. Attorney charged $390 to look into whether she had had had contact with financial advisor regarding the setting up of this account and she had not. Financial advisor stated he could no longer help me because "all of the accounts were taken away from him". This was NOT TRUE. Financial advisor had the account until funds were finally transferred in April, 2014. In contacting Ameriprise, even with new financial advisor, Ameriprise could not tell me how the account was set up. They 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 myself. Had I known this and had had even one check, I could have just written a check to myself to get the money. Instead after many contacts, it was advised that I change ownership of the account. In a 13 page form, which also cost me $13 to fax. I was told I would be contacted when the ownership was changed and then monies would be sent. I never received a call, so I called Ameriprise once again. I was told there was a "hold" on the account because of change of ownership so monies could not be dispersed. Ameriprise would have to take the hold off. Had 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 dispersed. I was given amount account was worth at time of change of ownership which is a lesser amount. This 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]
[redacted]@att.net
[redacted]
[redacted]copied and pasted from email.

Ameriprise Financial Services, Inc. (Arneriprise or Firm) respectfully submits this letter in response to your letter dated December 18, 2017. We are currently working with the consumer to reach a resolution. A follow up is scheduled for the first week of January 2018, to provide a status...

update. We have been in contact with Mrs. [redacted] and provided an apology for any incorrect information that may have been provided. It 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.

Initial Business Response /* (1000, 12, 2015/09/11) */
[redacted]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,...

2015. 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 matter. Please contact me if you have questions or require additional information.
Sincerely,
Adam [redacted]
Compliance Manager
Compliance Department
[redacted]
[redacted] FAX
Enclosure
Initial Consumer Rebuttal /* (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 presented. Unfortunately it is typical of the type of customer service the firm provides. It 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 1 they declare that when I met with Mr. [redacted] on March 30, 2007 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 untrue. I repeatedly, probably 10 or more times, asked if I could really afford the purchase I was about to make. He assured me I had plenty of funds to cover the costs. I 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 etc. on one salary. I 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 portfolio. Nothing could be further from the truth. I said many times that I only wanted very safe and secure investments and nothing else. Mr. [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 suicide. Unfortunately 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 $50,000. Again I was depending on Mr. [redacted] recommendations since that was what I was paying him for. He highly recommended that I buy the REIT and that I would receive dividends and that this was the safest product available. He assured me I would never lose money on it. I would receive the extra cash and this company had never lost any funds in over 20 years. My fund would be perfectly safe with his investment. I felt secure with his supposedly good advice. Ameriprise continues in the first paragraph of the next page to declare that the Agreement contained disclosures related to the risks. This 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 account. They stated that I agreed to the risk and investment objectives. That again is untrue. No, Mr. [redacted] told me that there were no risks for this investment. In May of 2014 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 time. For my $50,000 investment I would only recoup $35,000. 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 30 page agreement that it said I would be charged a fee of $100 to close my account and that after Mr. [redacted] lost all of my money I would be charged $80 a year for them keeping what little I had left. One 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 account. Instead he transferred my account to who knows where within Ameriprise without even having the common decency to let me know. They state in the second paragraph that reassigning clients from one advisor to another is a routine practice within the industry. It is done without prior notice to affected clients and they are proud to say there is no requirement to do so. What great customer service, how arrogant can one be. I would think common decency would preclude needing a law to advise your client that they have moved your account. There may be no law that requires it but I would think moral and ethical rules would necessitate you letting your client of the change. No 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 REIT. Mr. [redacted] had an obligation and a fiduciary duty to act in the best interest of his client, me. He totally disregarded me and my situation. His 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 $7,500 for the loss of $15,000 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 $100 that they stole from me to close my account where they lost all of my funds and then transferred it without even my knowledge. What 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 time. Does 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 life. I was dealing with a horrible divorce and depended on his advice to at least try to make sense of my finances. I 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 circumstance. More complaints are received about their business practices than any other financial firm. I feel it is my duty to warn others of the way they conduct business. I have already warned at least 10 people who are ready to make investments to stay away from them at any cost. I 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 account. All 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 Ameriprise. I 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 $1,000 left in my account. She also assured me Mr. [redacted] would return my call when he was back from his two week vacation, of course that never happened. Yes, I just lost another $50,000 with your boss's advice and that may be why I only have a $1,000 in the account. They 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 life. I am not sure how people like this sleep at night. I would like to have you mediate a reasonable settlement with Ameriprise on my behalf. Thank you.
Sincerely,
[redacted]
[redacted]copied and pasted from email.
Final Business Response /* (4000, 20, 2015/10/01) */
[redacted]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, 2015.
While we appreciate your viewpoint on this matter, your letter did not provide any additional information concerning the facts of this complaint. Therefore, our position as was reported in our September 9, 2015, correspondence remains unchanged. With 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]
[redacted] FAX

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 [redacted]'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 [redacted]'s money not theirs.Respectfully,[redacted]

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 $50 annually for a custodial fee for the Firm to maintain her retirement account.  She requested to be reimbursed $100 in fees paid.Our review found that Ms. [redacted] completed her application to enroll in her former company, [redacted] Simple IRA plan in February 2015 and began contributing to it in April 2015.  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 1 through September 30 each year, the $50 custodial fee is assessed the following December.  So in Ms. [redacted]'s case, she paid the 2015 fee in December.  Going forward, the custodial fee will be assessed annually in March; and therefore, she was assessed the 2016 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 directly. Respectfully,Colleen [redacted]Sr. Compliance AnalystCompliance Department###-###-#######-###-#### FAX

[redacted]corresponding documents attached. Re: 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 [redacted]Compliance ManagerCompliance Department###-###-#######-###-#### FAXEnclosure

A letter will be sent to the client on Monday 3/14/2016. I will fax you a copy of the letter along with a cover letter on Monday 3/14/2016.
[redacted]copied and pasted from email.

Initial Business Response /* (1000, 12, 2015/06/09) */
Re: Columbia Mid Cap Growth Fund, Class A,
Account #[redacted]
Dear Mr. [redacted]:
Ameriprise Financial Services, Inc. (Ameriprise or Firm) is writing in response to the May 21, 2015, complaint filed by [redacted] with the...

Revdex.com of Minnesota and North Dakota in which he raised concerns about the amount of time it took for you to receive the proceeds from the liquidation of the above referenced account.
On May 5, 2015, the Firm received a request to fully liquidate the above referenced account. At that time the account held 296.432 class A shares of Columbia Mid Cap Growth Fund (CBSAX). All of the shares were liquidated at the share price market close on May 5, 2015, which was $29.45. The proceeds from the sale were $8,729.92. A check (#[redacted]) for that amount was issued on May 6, 2015, and sent to your address of record via US mail, which is the same address to which this letter is addressed.
After the Firm was contacted on May 18, 2015, and advised that the check had not yet been received, the check was cancelled. A new check was issued on May 19, 2015, and sent to your address of record via UPS overnight mail. The Firm waived the overnight delivery fee due to the delay you experienced. The check was delivered on May 20, 2015. To date, the letter containing the check that was later cancelled has not been returned to the Firm as "undeliverable mail", etc., and therefore we have no way of identifying why you did not receive it.
We certainly apologize for the inconvenience you experienced as a result of the unexplained delivery problem. You are a valued client of Ameriprise and we trust the service you received in the future will demonstrate our commitment to quality and service. Thank you for the opportunity to respond.
Respectfully,
[redacted]
Compliance Manager
Compliance Department
[redacted] FAX
cc: Revdex.com of Minnesota and North Dakota
[redacted]Corresponding document attached.

With regard to this client, we have responded to the complainant directly, as well as provided that response to your agency, the SEC and FINRA.  There is no change in our response and no new information and I am  reluctant to re-engage as I do not believe any response will be satisfactory.

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[redacted]original document attached.