Countrywide Periodicals

June 2, Re: [redacted] *** I am writing this in response to Complaint Id # [redacted] filed by Ms [redacted] ***Ms [redacted] placed her order with our company on April 28th 2012, during a three-call process; the final call was recorded with her permissionPlease be aware that an order is not processed until the terms of the service are agreed to upon three scripted phone callsWe use a three-call process to ensure that the customer fully understands the terms of the serviceDuring the recorded conversation the verifier went over the magazines, the consecutive monthly payments of $33.20, total for the full term of service, verified the Visa card provided by Ms [redacted] to be charged monthly, and also asked Ms***’s permission to process the monthly payments to the Visa account each monthMs*** replied yesThe verifier also went over our three-day cancellation policy, the estimated time of delivery, our toll free customer service number, and also had Ms [redacted] verbally verify her mailing addressAt the time of sale Ms***’s verified her address of [redacted] [redacted] Also in during the recorded conversation Ms [redacted] stated that she was years of age and was a teacherWe attempted many times to get Ms [redacted] to pay on her account as well as sending her notices in the mail about her account being past due before sending her account to collectionsTo date have elected to cancel Ms***’s account as it is apparent that Ms*** is not going to pay for what she has orderedThere will be no more phone callsShould you have any further questions, please do not hesitate to contact meRespectfully, [redacted] Compliance Officer Countrywide Periodicals LLC

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

July 18, Re: [redacted] I am writing this in response to a 2nd complaint Id # [redacted] filed by Ms [redacted] Ms [redacted] states in her complaint, “I did not agree to this subscription.” This is not correct I have reviewed the recording myself, Ms [redacted] agreed to all of our terms and conditions Ms [redacted] also states that when she was charged twice she called our company she was met with threats and hostilityThis is not factualMs [redacted] called our company on April 15th and wanted to cancel her orderIt was explained to her that she was past her cancellation periodThe representative explained to her because of the billing error at our fault she would delay her next payment that way she would not have another payment due until June 1stMs [redacted] called customer service and that is what we provideWe do not threaten our customers’ as we are here to provide customer service not hostility Ms [redacted] also states that we told her that we would not play the recording for herA billing representative told Ms [redacted] that she could not play the recording, as they do not have access to themMs [redacted] would need to contact customer service to hear the recording and we would be more than happy to play the recording for her Also in the complaint Ms [redacted] claims that she has not received anythingThis is also incorrect and as Ms [redacted] called our processing center herself and cancelled bonus magazines that were being sent to herMs [redacted] wanted to cancel all of the magazines but was told she would need to contact us to cancel the magazines that she is paying forThe bonus magazines were gifts being sent to her and were at no costSo Ms [redacted] is and has received product at the address provided at the time of sale and in which is the same address that was on her complaint Again to date Ms [redacted] ’s account is active and will remain as so until all payments have been madeShould you have any further questions, please do not hesitate to contact me Respectfully, Tammy H [redacted] Compliance Officer Countrywide Periodicals LLC

April 7, 2017Re: [redacted] I am writing this in response to Complaint ID # [redacted] [redacted] placed his order with our company on November 9, 2016, during a two-call process; the final call was recorded with his permissionPlease be aware that an order is not processed until the terms of the service are agreed to upon two scripted phone callsWe use a two-call process to ensure that the customer fully understands the terms of the service During the recorded conversation the verifier went over the magazines, the consecutive monthly payments of $49.81, total for the full term of service, verified the Visa card ending in [redacted] with a CVV of ***, provided by Mr [redacted] for his monthly paymentsWe do ask for the CVV for security purposes, since the CVV is only present on the physical card itself The verifier also went over our three-day cancellation policy, the estimated time of delivery, our toll free customer service number, and also had Mr [redacted] verbally verify his mailing address of [redacted] *** Mr [redacted] states in his complaint that he cancelled his serviceThis is not factual, as we have no record of Mr [redacted] ever calling our company during his cancellation period to cancel Mr [redacted] states that he has never received any magazinesThis is also not factual, as he is currently receiving the ESPN magazine from our companyTo date this account is activeMr [redacted] needs to pay for the order that he placed with our companyShould you have any further questions, please do not hesitate to contact me.Respectfully,Tammy H***Compliance OfficerCountrywide Periodicals LLC

I am writing this in response to Complaint ID: [redacted] . [redacted] placed his order with our company on May 22nd, 2017, during a two-call process; the final call was recorded with his permission. Please be aware that an order is not processed until the terms of service are agreed to upon two... scripted phone calls. We use a two-call process to ensure the customer fully understands the terms of the service. In Mr. [redacted] ’s’ complaint he states that he changed his mind before the first magazine was received. This is correct it does take 8-12 weeks for the magazines to start arriving, as this is standard industry time on any magazine. This was explained to Mr. [redacted] during the recorded conversation, as was our cancellation policy. Mr. [redacted] was told that he had three business days to cancel. Mr. [redacted] called on May 30th, 2017 to cancel. This is also the date he filed this complaint. On May 31st Mr. [redacted] called once again to cancel and the customer service representative that Mr. [redacted] spoke with offered Mr. [redacted] a lower service and lower payments and Mr. [redacted] agreed that would work better for him. As per the conversation after this complaint was filed I am under the assumption that Mr. [redacted] is now satisfied. Should there be any other concerns or questions please do not hesitate to contact me.Respectfully,Tammy H***Compliance OfficerCountrywide Periodicals LLC

September 28, 2016Re: [redacted] ***-***I am writing this in response to Complaint Id: [redacted] Ms [redacted] ***- [redacted] placed her order with our company on January 12, 2016, during a two-call process; the final call was recorded with her permissionPlease beware that an order is not processed until the terms of the service are agreed to upon two scripted phone callsWe use a two-call process to ensure that the customer fully understands the terms of the serviceDuring the recorded conversation the verifier went over the magazines, the consecutive monthly payments of $49.81, total for the full term of service, and verified the Visa card provided by Ms***- [redacted] to process the monthly paymentsThe verifier also went over our three-day cancellation policy, the estimated time of delivery, our toll free customer service number, and also had Ms [redacted] verbally verify her mailing address of [redacted] ***, Sun Valley, CA [redacted] in which is the same address that Ms***- [redacted] provided on her complaintMs***- [redacted] stated in her complaint on “September 17, F Rating”This is not correct we currently have a B rating with the Revdex.comMs***- [redacted] is also writing her complaint to a Mr [redacted] who does not work for this companyAlso in Ms***-***’ complaint she states, “I called Countrywide to complain and cancel the subscription, I was told that I could not cancel, that issue was argued with a very rude customer service person who hung up on me.” This is also not factual as Ms***- [redacted] spoke with one representative who than transferred her to a supervisor who once again explained our cancellation policy that was disclosed to her at the time of sale and Ms***- [redacted] stated that she was going to get an attorney and sue us and than she hung up on the supervisorEverything was done with Ms***-***’ permissionIt is very apparent that she just does not want to pay for what she ordered as promisedMs***- [redacted] is incorrect and deceptive in her accusations therefore it is in the best interest of the company to close Ms***- [redacted] account in which I have done todayShould you have any further questions, please do not hesitate to contact meRespectfully, Tammy H***Compliance OfficerCountrywide Periodicals LLC

May 5, Re: *** *** I am writing this in response to Complaint ID #*** filed by a Ms*** ***This is not a customer of ours and we do not have her phone # in our systemThe number was removed on April 21st, It does take a day or two for our systems to updatePlease
remove this complaint from our records thank youRespectfully, Tammy H*** Compliance Officer Countrywide Periodicals LLC

Complaint: ***
I am rejecting this response because: I WISH TO CANCEL ALL ORDERS
Sincerely,
*** ***

Tell us why here...January 2, 2018 Re: *** *** (***) I am writing this in response to Complaint ID: *** *** placed her order with our company on August 19th, 2009, during a two-call process; the final
call was recorded with her permissionPlease be aware that an order is not processed until the terms of the service are agreed to upon two scripted phone callsWe use a two-call process to ensure that the customer fully understands the terms of the service At the time of the sale, Ms*** told the representative she was years of age, which is not being a minorWe require all customers to be at least years of age to purchase our service. The verifier went over the payments, our three-day cancellation policy, the estimated time of delivery, our toll free customer service number, and also had Ms*** verbally verify her mailing address In Ms***’s complaint she stated she called within the week of placing the order to cancel itThis is not factual, as the only contact our company received from Ms*** after placing her order was a voicemail she left, days laterAt that point she was past her cancellation period of three days that was disclosed to her at the time of the saleOur system automatically notes a customer account each time they callThree attempts were made to call Ms*** back in regards to her voicemail, and there was no answerThe representative returning the phone calls left return messages for Ms*** each time an attempt to contact her was made Ms*** had not again tried to further contact our company until November 27th, 2009, when her mother called in on her behalfAt that time the representative explained we needed Ms***’s permission to speak with her, due to privacy concerns Ms*** states in her complaint that the “magazine” told her mother that we would end the subscription and cancel any dues if she were to mail back her magazinesThis is not factual, as the magazines themselves are not shipped directly from our office, and magazines are considered used product once printed with a customer name and addressIt has never been a policy of our company’s to have any customer mail back magazines, under any circumstances, as we do not directly publish or send out any magazines Ms*** states in her complaint that our company continued to bill her bank account for several yearsOnce again, this is not factual as the last payment our company received from Ms*** was on November 19th, After that payment, Ms*** called our Customer Service Department stating she had closed her bank account and is refusing to pay for the product she ordered Attempts were made by our company’s Billing Departments to contact Ms*** in regards to her past due bill until April of Our company has not made any attempts since this date, and any attempts being made to collect on this debt are not from our companyOur company does not file “lawsuits” against customers with unpaid bills. On December 28, 2017, Ms***’s husband called in regards to her accountAt that time, I had explained to him that there are no attempts being made to collect on this debt, that no attempts have been made in at least yearsI also had explained to Ms***’s husband that any attempts being made to collect on this debt is not our company, and to get back to me with any information they receive as to who is trying to collect on this debt Ms***’s unpaid account is not a matter our company is further pursuing, and not a matter we have pursued in over years. Respectfully, Brittney H***Customer Service Manager Countrywide Periodicals LLC

Initial Business Response /* (1000, 5, 2015/10/02) */
When the policy was written in *** the insurance company required a down payment which was equal to two monthly paymentsAfter the down payment there were monthly deductions from the bank accountThis totals payments for the months
of insuranceThere was not a "last months" payment that was held onto by the insurance company to be refunded at a later date
When the policy was written in *** we explained to the insured and she initialed beside it that "If I cancel the policy before the end of the term the insurer will retain additional premium"
There was some confusion when she spoke to one of our brokers, he told her that there wasn't a fee for canceling but didn't remind her about the short rate cancellation when a policy is terminated part way through a policy term
The current renewal was *** **th and the policy was in force for daysThe policy premium was $*** so on a per day cost (pro-rata) it would have cost $*** for the days of coverageBecause it was cancelled early during the policy term the insurance company charged $*** for the days
We have contacted the insurance company and they have agreed to process the cancellation again on a pro-rata basis instead of short rateThis means that the insured was only charged on a per day basis for the daysThe refund is now $***.** instead of the $**.**
We apologize for not reminding her when she phoned, and are happy that we were able to fix this for the insured

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
I will send them a letter about the account now that I have an addressI never received a letter from them at any timeI also have tried to call.Thank you for helping getting this cancelled and taken care off,
Sincerely,
*** ***

I am writing this in response to a 2nd complaint file by Mr***Mr*** is still claiming that he has not received any of his magazinesAgain after talking to Mr***’s daughter I did a service inquiry to find out what was going onThe publishers state that the ESPN magazine has had no returnsThey extended it issues and also sent an address verification letter that needed to be signed and taken to his post office to show that he is supposed to be receiving the magazine but is notThe next issue of ESPN will arrive by 2/6/The GQ magazine has had no problems or returnsIt was extended issues and the February issue should arrive by 2/3/The Popular Science magazine has had no returns and was extended issuesThe March/April issue should arrive by 3/4/16.Field & Stream has had no problems or returnsThey extended issuesThe February/March issue will arrive by January 27, The Car & Driver magazine has had no returns and was extended issueThe February issue will arrive no later than 1/20/16. If Mr*** is still having problems receiving his magazines he needs to talk to his post office as the magazines are not sent by our company personally and the publishers have had no returnsWe have no control over the United States Postal Service and what happens between there and the customers home. Again this account will remain active until all payments have been madeAll of the terms and conditions were gone over during the recorded conversationThe customer was also sent the welcome packet in which outlined all of our terms and conditionsOur company is not scam artistWe have addressed every issue that *** has had with our companyShould you have any further questions, please do not hesitate to contact me.Respectfully,Tammy H***Compliance OfficerCountrywide Periodicals LLC

Please see attached

Re: *** ** ***
I am writing this in response to Complaint Id: *** *** is not a customer of ourRegarding his mother *** ***, a customer, and we have spoke with her in customer
serviceMs***’s account is delinquent and has been sent off to another company to collect on that debtIf Ms*** cannot indeed make financial decisions than we will need documentation from her physician stating thatMr*** can contact me at 1-888-300-to get the fax number or address where that information can be sentShould you have any further questions, please do not hesitate to contact me
Respectfully,
Tammy H***
Compliance Officer
Countrywide Periodicals LLC

Re: *** ***This is not a valid complaint as Ms*** is not a customer of oursPlease remove complaint.I am writing this in response to Complaint ID # *** filed by a Ms*** ***Ms*** states her mother is a customer of oursWe do not have a *** *** any where in our systemNor do we have Forbes magazineI believe Ms*** may be looking for another magazine company.Should you have any further questions, please do not hesitate to contact me.Respectfully,Tammy H***Compliance OfficerCountrywide Periodicals LLC

Complaint: ***I am rejecting this response because: I did not agree to the subscriptionFurthermore, when I received charges on 3/and 4/1, I called to try to identify what was being charged for and was met with threats and hostilityEach occasion I have talked to the company it get the sameI have asked to hear the supposed recording, after their agent threatened to use it with my credit card company, and was told it was not available and not possible for me to hear
The company that billed my card was Countrywide PeriodicalsThe company claiming to have business with me initially was under the name PeriodicalsI have never received anything from Countrywide except demands for payment, threats, and harassmentI do not owe this debt.Sincerely,*** ***

August 15, 2016Re: *** ***I am writing this in response to Complaint Id: *** filed by Mr*** ***’s family memberMr*** placed an order with our company on January 25, 2016, during a two-call process; the final call was recorded with his permissionPlease be aware that an
order is not processed until the terms of the service are agreed to upon two scripted phone callsWe use a two-call process to ensure that the customer fully understands the terms of the service.During the recorded conversation the verifier went over the magazines, the consecutive payments of $49.81, total for the full term of service, verified the Mastercard ending in *** with a CVV of *** provided by Mr*** to be charged for the monthly paymentsWe do ask the customer for the CVV code since the CVV is only on the physical card itselfThe verifier also went over our three-day cancellation policy, the estimated time of delivery, our toll free customer service number, and also had the verifier verbally verify his mailing address of *** *** *** *** Santa Clarita, CA 91390.A family member, not the customer, did this complaint so they have no idea what took placeAt the time of sale Mr*** stated that he was years of age and worked at ***At no time did Mr*** state that he was disabled or did not understand that he was placing an order for magazinesAgain everything was done with Mr***’s permission.To date I have elected to cancel Mr***’s account as it is apparent that he is young and possibly did not understand that he was entering a verbal contract for a $worth of magazinesShould you have any further questions, please do not hesitate to contact me.Respectfully,Tammy H***Compliance OfficerCountrywide Periodicals LLC

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
It doesn't matters to me if they think that I don't have my facts straight; I will leave it up to themLike I stated in my complaint, I researched them on the web, and given their reputation, it's hard to ever recognize their right to have an opinionThey closed the account and this is all that mattersThe outcome is 100% acceptable
Sincerely,
*** ***

Re: *** ***
On behalf of: *** ***
I am writing this in response to Complaint Id: ***Again *** *** is not a customer of ours and therefore does not have the right to issue a valid complaint with you against our companyWe ask the Revdex.com to please remove this as a valid complaint
In response to Mr***’s complaint I am a real personI only go by Tammy H*** and that is itIf Mr*** had called the number that was provided to him in my previous response he would have spoke with me personally
*** contacted the Revdex.com on behalf of his mother *** *** stating that she has dementia, does not remember placing an order with our company, and should not be held accountable for her decisionsOur response was a simple request for documentation showing that she was unable to make competent financial decisions, or to enter into an agreementThe reason that this documentation was requested is because we have spoke with Ms*** over the phone in customer service and at no time did Ms*** state to us that she had any medical issues or that she was not able to make financial decisions for herselfThis is a fair requestWe already had every intention to honor the request for cancellation due to the circumstances described in the original letter and just needed the appropriate documentationAdditionally, *** *** providing us with documentation showing that he does in fact have power of attorney like he had stated would also have sufficed
Although *** is not a customer and did not take any steps to become authorized on *** ***’s account, he was provided with our customer service number should he have any further questionsHe never made any attempt to contact us directly to resolve any problem that he or Ms*** may have had with the service
I do not feel the need to address Mr***’s other comments or accusations, other than to say that they are unwarranted and inaccurate
Although *** is unwilling or unable to provide the requested documentation, in an effort to resolve this to the ***’s satisfaction we have cancelled the order and refunded *** ***’s account per their request
Thank you,
Tammy H***
Compliance Officer
Countrywide Periodicals, LLC

complant has been field see you in court your lies will come out thanks for sending this message that show you will keep the recording my lawyers will love it Complaint: ***I am rejecting this response because:Sincerely,*** ***