FairPoint Energy

[redacted] Manager, Marketplace Operations Revdex.com 29 Berlin Road Cromwell, CT 06416 Re:          [redacted], Complaint ID [redacted] Dear Ms. [redacted]: This letter is in response to the complaint filed by [redacted] (“Customer”) on...

February 4, 2016 regarding FairPoint Energy (“FPE”).  In the complaint, Customer requests that his agreement continue until March 9, 2016, the end of his contracted term, without renewal, Customer also requests that he receives the 5% refund as previously agreed to. I apologize for any inconvenience experienced by Customer.  I can confirm that Customer’s account will continue until March 9, 2016 and will not be renewed after this date.  Customer’s 5% cash back refund will be calculated on the supply portion of his energy bill and will be paid in the form of a check.  This refund check will be mailed to Customer approximately 4-6 weeks after the completion of his term on March 9, 2016, provided Customer does not have a balance on his account and has accrued a minimum of $5 at the time the calculation is done. FairPoint Energy is committed to compliance and customer satisfaction. If you have any questions, please do not hesitate to contact me by email at [redacted] Sincerely, Aleksandra P[redacted]Paralegal

August 20, 2014
[redacted]
Manager, Marketplace Operations
Revdex.com
[redacted]
Re: [redacted], Complaint ID [redacted]
Dear [redacted]:
This letter...

is in response to the complaint that [redacted] (“Customer”) filed with the Revdex.com on August 19, 2014.  The Customer’s complaint states that: 1) Customer’s rate increased; and 2) FairPoint Energy offered Customer a credit in conjunction with enrolling in a Fixed Rate product.  
Customer enrolled two accounts with FairPoint Energy.  Both accounts were initially enrolled in a Variable Rate and Customer elected to switch to a 6-month Fixed Rate on November 6, 2013.  Customer’s 6-month Fixed Rate expired on June 5, 2014.  In order to receive a Fixed Rate for an additional term, customers must affirmatively enter into another contract.  Viridian allows customers the convenience of renewing a fixed term online or by phone.  If a customer on a Fixed Rate does not affirmatively renew his/her fixed rate contract, he/she is placed onto a month-to-month Variable Rate, which may be cancelled at any time without penalty. Customer was sent the attached renewal notices for her accounts, encouraging her to continue in a Fixed Rate plan.  Customer did not reply to these renewal notices, hence, she transitioned to a Variable Rate plan at the conclusion of his term.  Variable Rates may fluctuate from month-to-month based on market conditions and company operating factors, and are best for consumers seeking the flexibility to cancel at any time and the ability to take advantage of short-term price fluctuations.  Fixed Rates remain set for the agreed-upon term and are best for consumers seeking price-certainty.  
When Customer contacted FairPoint Energy, she was offered a Fixed Rate as well as a $25 courtesy credit, however, Customer declined.  Our records indicate that Customer has been appropriately charged for the product that she selected and a refund is not warranted.
I sincerely hope this meaningfully responses to the above complaints.  If you have any questions, please do not hesitate to contact me at ###-###-#### or by email at [redacted].
Warmest Regards,
[redacted]
Counsel

Complaint: [redacted]
I am rejecting this response because:  It is not an acceptable offer and I replied to your email with my response, hope you received it!
Sincerely,
[redacted]

The first time that I contacted Fairpoint Energy to cancel my account was in March of 2014 not in January. When I spoke to a rep in March I was told that I was under contract and could not cancel. I explained that I believed my contract had expired and that I still wanted to cancel. I was told they were going to look into it and call me back. The call was never returned. I called again in November and in December to cancel. Those calls were not returned. I finally got my account canceled in January and wanted to discuses my issues since March. My calls were not returned.

September 2, 2014
[redacted]
Manager, Marketplace Operations
Revdex.com
[redacted]
[redacted]
Re: [redacted], Complaint ID [redacted]
Dear [redacted]:
On August 19, 2014 [redacted] (“Customer”) filed a complaint with the Revdex.com.  On August 20, 2014, FairPoint Energy provided a response to Customer’s complaint and on August 29, 2014, Customer provided a rebuttal.  Customer’s rebuttal states that: 1) FairPoint Energy’s offer of a $25 courtesy credit is unacceptable; and 2) Customer provided a response to FairPoint Energy by email.
I regret that FairPoint Energy’s offered resolution of a $25 courtesy credit is unacceptable to Customer, however, Customer was appropriately charged for the electricity product that she selected and a refund is not warranted.  Customer agreed to FairPoint Energy’s terms and conditions at the time of enrollment and Customer was charged in accordance with these terms and conditions.  FairPoint Energy’s offered courtesy credit is extended for customer satisfaction purposes and is not meant to compensate Customer for the product that she selected.
Next, Customer’s rebuttal states that she provided a response to FairPoint Energy by email.  I have not received an email response from Customer.
I sincerely hope this meaningfully responses to the above complaints.  If you have any questions, please do not hesitate to contact me at ###-###-#### or by email at [redacted].
Warmest Regards,
[redacted]
Counsel

April 17, 2014
 
Customer Name:   [redacted]
Complaint ID:       [redacted]
class="MsoNormal"> 
Subject:  Initial Company Response
We acknowledge receipt of your complaint with the RevDex.com on 4/16/2014, and apologize to you for any
inconvenience that you may be experiencing at this time.
Please accept this response as confirmation that we have
launched an investigation into your complaint and will make every effort to
resolve your complaint shortly. We appreciate your business and look
forward to serving you again.
 
Sincerely,
Public Power Compliance

February 9, 2015[redacted]Manager, Marketplace OperationsRevdex.com[redacted]Re: [redacted], Complaint ID [redacted]Dear [redacted]:This letter is in response to the complaint that [redacted]...

(“Customer”) filed with the Revdex.com on February 2, 2015 and that FairPoint Energy received on February 5, 2015.  The Customer’s complaint states that: 1) Customer was never notified that her Fixed Rate contract was ending; 2) FairPoint Energy did not provide Customer with a copy of the contract, and therefore Customer could not be assured of the term length; 3) Customer believes that it is unethical to take 2-3 billing cycles to fully end service with FairPoint Energy; and 4) Customer wishes to receive a refund for all amounts in excess of her previous Fixed Rate contract and wishes to end service with FairPoint Energy as soon as possible.First, Customer’s complaint states that Customer was never notified that her Fixed Rate contract was ending.  This is incorrect.  FairPoint Energy sent Customer the Renewal Letter shown in Attachment 1 on July 2, 2014.  This Renewal Notice notified Customer that her Fixed Rate was coming to an end and that in order to continue receiving a Fixed Rate she was required to affirmatively respond.  If Customer did not renew to another Fixed Rate or cancel, she would automatically roll over to FairPoint Energy’s current variable rate at 14.99 cents per kWh. FairPoint Energy did not receive a response from Customer.Next, Customer’s complaint states that FairPoint Energy did not provide Customer with a copy of the contract, and therefore Customer could not be assured of the term length.  This is incorrect.  After Customer enrolled with FairPoint Energy she was sent the Welcome Letter shown in Attachment 2 and the Terms & Conditions.  This Welcome Letter explained that Customer had enrolled in a 6-month Fixed Rate and the Terms & Conditions explained that before Customer’s Fixed Rate ends she would receive a Renewal Notice with her future product options and that if she did not renew or cancel, her account would continue at a Variable Rate.Customer’s complaint states that Customer believes that it is unethical to take 2-3 billing cycles to fully end service with FairPoint Energy.  Customer’s utility, [redacted], controls the switching timeline.  FairPoint Energy does not have influence in this process.  Customer may check with [redacted] to whether an expedited switch is possible.  If Customer has concerns regarding the ethicality of the switching timeline, she should share those concerns with the [redacted]Finally, Customer’s complaint states that Customer wishes to receive a refund for all amounts in excess of her previous Fixed Rate contract and wishes to end service with FairPoint Energy as soon as possible.  Customer was appropriately notified that her Fixed Rate was ending and when she did not respond to FairPoint Energy’s Renewal Letter, she was appropriately charged a Variable Rate.  As a result, Customer is not owed a refund.  FairPoint Energy submitted Customer’s cancellation request to [redacted] on February 2, 2015.  [redacted] controls the switching timeline, and therefore Customer must contact [redacted] if she wishes to end service with FairPoint Energy sooner than the customary 1-2 billing cycles.I sincerely hope this meaningfully responses to the above complaints.  If you have any questions, please do not hesitate to contact me at [redacted] or by email at [redacted].Warmest Regards,[redacted]Counsel

May 12, 2014
 
[redacted]
[redacted]
Revdex.com
 
Re:           [redacted], Complaint ID [redacted]
 
Dear Ms. [redacted]:
 
This letter is in response to the complaint that [redacted] (“Customer”) filed with the Revdex.com on May 7, 2014.  The Customer’s complaint states that: 1) Customer’s Variable Rate increased without notification; 2) Customer received a letter offering a low Fixed Rate after his Variable Rate had increased to 16.99 cents per kilowatt-hour; and 3) Customer would like a refund for his last 2-3 billing cycles.
 
First Customer’s complaint states that his Variable Rate increased without notification.  FairPoint Energy’s records indicate that on June 4, 2012 Customer enrolled with FairPoint Energy and selected Variable Rate plan.  FairPoint Energy offers both Variable Rates and Fixed Rates.  Variable Rates may fluctuate from month-to-month based on market conditions and company operating factors, and are best for consumers seeking the flexibility to cancel at any time and the ability to take advantage of short-term price fluctuations.  Fixed Rates remain set for the agreed-upon term and are best for consumers seeking price-certainty.  This winter’s unprecedented cold temperatures coupled with record high wholesale energy prices resulted in both increased usage and increased rates for Variable Rate customers.  Just as an example, the average cost of wholesale electricity increased by 126% during December 2013 over its December 2012 level.  FairPoint Energy encourages customers seeking price-certainty and protection from market volatility to select a Fixed Rate product.
 
Next, Customer’s complaint states that Customer did not receive the letter offering a low Fixed Rate until after his Variable Rate had increased to 16.99 cents per kilowatt-hour.  In compliance with [redacted] electricity regulations, FairPoint Energy does not inform customers of monthly Variable Rate fluctuations.  Customer was provided with a “Disclosure of Risks and Costs Associated with Real Time or Indexed Electricity Products” with his Terms & Conditions upon enrollment.  This disclosure noted the risk in a Variable Rate product.  Nevertheless, FairPoint Energy recognized this extreme market fluctuation and its effect on Variable Rate customers.  As a result, on February 7, 2014, FairPoint Energy proactively reached to its Variable Rate customers to offer its low Fixed Rate options.   Customer’s Variable Rate did not increase until 16.99 cents per kilowatt-hour until his billing cycle beginning February 24, 2014.  Customer did not choose to take advantage of a Fixed Rate at that time.  
 
Customer has been appropriately charged for the Variable Rate plan that he enrolled in.  FairPoint Energy would be happy to work with the Customer to select a rate plan that works for his and offer a courtesy credit for enrolling in a Fixed Rate product.  Please contact FairPoint Energy’s Customer Care department at ###-###-#### to enroll in a Fixed Rate product.
 
I sincerely hope this meaningfully responses to the above complaints. 
Warmest Regards,
 
 
[redacted]

May 6, 2015Submitted via web to: [redacted]Manager, Marketplace OperationsRevdex.com[redacted]Re: [redacted], Complaint ID [redacted]Dear Ms. [redacted]:This letter...

is in response to the complaint filed by [redacted] (“Customer”) on April 27, 2015 regarding FairPoint Energy.  In the complaint, Customer expresses dissatisfaction with his billing and a $50 Early Termination Fee (“ETF”).  Customer also states that he did not receive a renewal notice.Customer’s dissatisfaction relates to his budget billing.  Our records indicate on February 12, 2015, FairPoint Energy sent Customer a service termination warning notice.  The notice stated, “If there is a dispute regarding your bill or you think you have received this notice in error, please call the FairPoint Energy’s resolution department at [redacted]”.  FairPoint Energy gave Customer the opportunity to call and discuss budget billing concerns.  According to FairPoint Energy’s records, on February 23, 2015 we received an inbound call from Customer regarding the service termination warning notice, Customer stated that he would send payment to the utility but he did not mention concerns regarding budget billing. Customer’s complaint also states that he was charged a $50 ETF for terminating his contract.  On February 24, 2015, FairPoint Energy received a cancellation request from the utility.  Per FairPoint Energy’s Terms and Conditions, if a customer does not fulfill their contract, they will be subject to a $50 ETF. Lastly, Customer’s complaint states that he did not receive a renewal notice.  Prior to the end of the fixed term, FairPoint Energy sent a renewal notice to Customer with details regarding renewal terms and providing a response by date of November 12, 2014 [Attachment].  For automatic account plan renewal, no action is required by the Customer, however should the Customer choose not to have his account automatically renewed the Customer should have contacted FairPoint Energy to express his decision to decline the auto renewal offer.  FairPoint Energy did not receive a response from Customer and as a result Customer’s account was automatically renewed and transition to a new rate on expiration of the fixed term.FairPoint Energy is committed to compliance and customer satisfaction.  If you have any questions, please do not hesitate to contact me by email at [redacted]Kind Regards, [redacted]Compliance Specialist

Re:           [redacted], Complaint ID [redacted]
 
Dear Ms. [redacted]:
 
This letter is in response to the complaint filed by [redacted] (“Customer”) with the Revdex.com on March 7,...

2014.  The Customer complaint states that Customer did not authorize enrollment with FairPoint Energy.
 
Our records indicate that Customer’s account was enrolled over the phone on November 8, 2012 whereby the customer agreed to FairPoint Energy’s Terms & Conditions. Customer’s account was enrolled under a Variable Rate plan.  Customer completed a third-party verification confirming Customer’s intent to enroll, which FairPoint Energy is happy to provide to Customer as proof of his enrollment.  As per FairPoint Energy’s terms and conditions a Variable Rate plan is subject to change based on the wholesale market conditions applicable to the Distribution Company’s Service territory.  This winter’s unprecedented cold temperatures coupled with record high wholesale energy prices resulted in both increased usage and increased rates for Variable Rate customers.  Just as an example, the average cost of wholesale electricity increased by 126% during December 2013 over its December 2012 level.  FairPoint Energy encourages customers seeking price-certainty and protection from market volatility to select a Fixed Rate product.
 
I sincerely hope this meaningfully responses to the above complaints.  If you have any questions, please do not hesitate to contact me at ###-###-#### or by email at [redacted].
 
Warmest Regards,
 
 
[redacted]

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. Because there are no other options.
I have reported the practices to the [redacted] Public Advocates office including their counsel. There is a warning about these practices on the State of [redacted] Public Advocates web page. 
It appears that these practices are common in many states and the regulatory commissions will be acting to stop this type of abusive practice in the future. 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
    Budget Issue: [redacted] offers its customers a Simple Pay Plan; this plan allows customers to pay a fixed amount each month, spreading larger winter bills over the lower summer bills.  We have utilized this program for many years, including one year with Fairpoint Energy (FE). There were no complaints from them the previous year. If, as they stated on the phone, they do not enter into budget plans with [redacted], that is a new development, of which we were not informed.  One of the reasons that the budget plan was not working for FE is because they almost doubled their energy supply rates in November 2014. If they are not participating in budget plans with [redacted], then they should inform both [redacted] and the customer that that is the case.  I imagine that would keep many customers from contracting with FE.
   Termination Notice: We were basically forced to terminate our contract with FE because of their almost doubling the price of their energy. Because of our personal budget, we could not continue to pay more than twice the standard offer rate. Also, we had no idea when the contract with FE expired, as we were never sent a renewal notice. The last communication we received from them was in March of 2014. If FE is serious about "compliance and customer satisfaction", then they would waive this fee.
   Renewal Notice: While FE says they sent out a renewal notice in October?? 2014, we never received it. As I explained to a CSR at FE in collections, there is absolutely no way I would have signed a contract, almost doubling the cost of electricity. Who would do that?  Their "automatic renewal policy" is quite an advantage to them, as they can claim they sent a renewal, drastically increase the rate and then claim they received no response. Wow, nice business plan!
   This is, of course, the response we expected. FE is NOT concerned with "customer satisfaction" nor with operating with ethical business practices.  At one point, Fairpoint had all of our business: energy, phone, internet and even TV in our household. This is no longer the case. We will never do business with Fairpoint Communications/Energy again and we will warn others.
Sincerely,
[redacted]

Fairpoint Energy,
My bill was paid in full in May 2014 or so I thought until I received a call from a customer service Rep last week who explained they were calling to "collect a past due balance"? I was NEVER contacted by FPE to alert me that a past due balance even existed until August??? I never received a written bill, phone call or any other form of communication from them until last week when I was unindated with two paper bills and phone calls. What kind of company conducts business that way? It's my perception that FPE is ill-equipped in their billing dept to the point where the response I received thru the Revdex.com states that I owe $169! The invoice I received from FPE (along with a verbal follow up via phone)showed a balance due of $31.13. Supposingly this was due to the 4 days it takes to notify [redacted] that I was switching my service back to them and dropping service with FPE. I have paid the amount of $31.13 via check thru the mail. Fairpoint Energy is not a company I would recommend to anyone. I plan on alerting folks to their shady practices like tripling the cost of the energy they provided once your contract expires, extremely late billing and poor communication . They are a terrible company.

Complaint: [redacted]I am rejecting this response because: I'd like to know where this contract was signed by either myself or my husband, whom would be the only two members of the household with authority to enter into this contract. Please provide a SIGNED copy of the contract. If the contract is not signed, this is not proof that the contract was mutually entered by both parties.Sincerely,[redacted]

May 8, 2014
 
Customer
Name:  [redacted]...

[redacted]
Complaint
ID:        [redacted]
 
Subject:
 FairPoint Complaint Acknowledgement
 
 
We
acknowledge receipt of your complaint with the Revdex.com
on 5/6/14 and apologize for any inconvenience that you may be experiencing at this time. Please
accept this response as confirmation that we have launched an investigation
into your complaint. We
appreciate your business and look forward to serving you again.
 
Sincerely,
 
FairPoint
Compliance

October 7, 2014
[redacted]
Manager, Marketplace Operations
Revdex.com
[redacted]
Re: [redacted], Complaint ID [redacted]
Dear [redacted]:
This...

letter is in response to the complaint that [redacted] (“Customer”) filed with the Revdex.com on September 25, 2014.  The Customer’s complaint states that: 1) Customer received a notice of termination for non-payment, however, Customer is current on her bills; 2) After sending the notice of termination, FairPoint Energy increased Customer’s Variable Rate; 3) FairPoint Energy guaranteed that its rates would not exceed the utility’s standard offer rate; and 4) Customer would like an apology and would like to be re-rated back to the utility’s standard offer rate.  
First, Customer’s complaint states that Customer received a notice of termination for non-payment, however, Customer is current on her bills.  FairPoint Energy has looked into Customer’s account and has confirmed that Customer did remit payment to [redacted] for FairPoint Energy’s electricity charges, and that Customer does not have a past-due balance with FairPoint Energy.  FairPoint Energy communicates with [redacted]’s billing system through an electronic data interchange (“EDI”) system.  The data the FairPoint Energy received through the EDI transaction stated that Customer had not paid for FairPoint Energy’s services.  FairPoint Energy apologizes that the information remitted to FairPoint Energy was incorrect and that Customer was inconvenienced.  [redacted] does have plans to upgrade their system in the near future, and hopefully that will prevent these issues from occurring in the future.
Next, Customer’s complaint states that FairPoint Energy increased Customer’s Variable Rate after sending the notice of termination.  FairPoint Energy’s billing records do not support this assertion.  FairPoint Energy does not assess different Variable Rates based on a customer’s credit risk.  Furthermore, Customer’s Variable Rate decreased after she was incorrectly sent a notice of termination. 
Customer’s complaint also states that FairPoint Energy guaranteed that its rates would not exceed the utility’s standard offer rate. FairPoint Energy does not guarantee savings as compared to another electricity product. The prices of the utility’s standard offer service, as well as the prices of competitors are constantly fluctuating.  In any given month, FairPoint Energy’s rates may be higher or lower than the rates offered by another company.  While FairPoint Energy may be able to document savings to the utility’s standard offer at a particular snapshot in time, it cannot offer a general guarantee of savings.  
Finally, Customer’s complaint states that she would like an apology and would like to be re-rated back to the utility’s standard offer rate.  I apologize for the inconvenience that this has caused Customer.  FairPoint Energy receives its billing data from Customer’s utility [redacted].  Unfortunately, the data that FairPoint Energy receives is not always correct, as is the case with Customer.  
Customer also requested to be re-rated back to the utility’s standard offer rate.  Our records indicate that Customer has been appropriately charged according to her Terms & Conditions of the Variable Rate product that she selected and is not due a refund.  However, as a resolution for customer dissatisfaction, FairPoint Energy can offer the Customer a one-time courtesy credit of $50 in conjunction with enrolling in a Fixed Rate.  This credit is offered for customer satisfaction purposes and is not meant to compensate customers for selecting a Variable Rate plan.  
I sincerely hope this meaningfully responses to the above complaints.  If you have any questions, please do not hesitate to contact me at ###-###-#### or by email at [email protected].
Warmest Regards,
[redacted]
Counsel

August 18, 2014
[redacted]
Manager, Marketplace Operations
Revdex.com
[redacted]
Re: [redacted], Complaint ID [redacted]
Dear [redacted]
This letter is in...

response to the complaint that [redacted] (“Customer”) filed with the Revdex.com on August 16, 2014.  The Customer’s complaint states that Customer cancelled in May 2014, and FairPoint Energy began contacting her in August 2014 to collect an past due balance.  Customer believes that FairPoint Energy’s attempt to collect this debt three months after Customer cancelled with FairPoint Energy is unprofessional and Customer questions whether she even has a past due balance.
Our records indicate that Customer’s payment history is as follows:
 (Please see Attached PDF for graphic)
This table indicates that Customer does have a past due balance of $169.86.  FairPoint Energy apologizes for the delay in reaching out to Customer to collect this debt.
I sincerely hope this meaningfully responses to the above complaints.  If you have any questions, please do not hesitate to contact me at ###-###-#### or by email at [redacted].
Warmest Regards,
[redacted]
Counsel

Complaint: [redacted] I am rejecting the most recent response from Fairpoint engery (FE). The disagreement here is when and how I was notified of any past due amount owed to FE prior receiving a call from them in August of 2014. I have checked my past [redacted] bills -those thereafter May when I believed I had paid FE in full. I would like proof as to how they notified me (or tried to) prior to August of 2014. What angers me the most is their lack of notification. How can I pay a bill/balance if I am not aware of it!
Sincerely, [redacted]

[redacted]

"Calibri",sans-serif; font-size: 11pt;">Manager, Marketplace Operations
Revdex.com
29 Berlin Road
Cromwell, CT 06416


Re:          [redacted], Complaint ID [redacted]


Dear Ms. [redacted]:

This letter is in response to the complaint filed by [redacted] (“Customer”) on February 4, 2016 regarding FairPoint Energy (“FPE”).  In the complaint, Customer requests that his agreement continue until March 9, 2016, the end of his contracted term, without renewal, Customer also requests that he receives the 5% refund as previously agreed to.

I apologize for any inconvenience experienced by Customer.  I can confirm that Customer’s account will continue until March 9, 2016 and will not be renewed after this date.  Customer’s 5% cash back refund will be calculated on the supply portion of his energy bill and will be paid in the form of a check.  This refund check will be mailed to Customer approximately 4-6 weeks after the completion of his term on March 9, 2016, provided Customer does not have a balance on his account and has accrued a minimum of $5 at the time the calculation is done.

FairPoint Energy is committed to compliance and customer satisfaction. If you have any questions, please do not hesitate to contact me by email at [redacted]

Sincerely,



Aleksandra P[redacted]
Paralegal

March 20, 2015[redacted]Manager, Marketplace OperationsRevdex.com[redacted]
[redacted]
Re: [redacted], Complaint ID [redacted]Dear [redacted]:On February 17, 2015 [redacted] (“Customer”) filed a complaint with the Revdex.com.  On March 1, 2015, FairPoint Energy provided a response to Customer’s complaint and on March 9, 2015 customer submitted a rebuttal.  Customer’s rebuttal states that: 1) the first time she contacted FairPoint Energy to cancel her account was in March of 2014, not January 2015; and 2) she has contacted FairPoint Energy on several occasions regarding her cancellation requests which were not honored as promised.  Customer complains states that she has contacted FairPoint Energy on several occasions regarding her account and her requests were not processed and FairPoint Energy failed to follow up with her. [redacted], FairPoint Energy thanks you for your feedback. We appreciate that you let us know why our service failed to meet your expectations.  We assure you that we addressed your concerns and took steps in implementing corrective actions to improve our customer service.I sincerely hope that you find this to be a meaningful response to your concerns.  Should you have any questions, feel free to contact us by email at: [redacted] Best regards,[redacted]Compliance Specialist