LegalShield

This letter is in response to the above additional correspondent received on the above referenced complaint.Mr [redacted] says he his credit score went down from 5/2/to his recent score on 1/22/18, stating it lowered considerablyHe indicates that this is somehow due to his IDShield membership, and that he was not notified of the change by the IDShield serviceMr [redacted] also says that his credit report has him as unemployed when he was paying to be a LegalShield associate every monthHe demands a refund of all fees.Mr [redacted] 's LS and IDShield memberships do not impact his credit scoreHe did not authorize active monitoring of his credit and therefore it would not be aware of changes on his credit scoreMr [redacted] had also enrolled as an independent sales associate when he became a LS memberOur independent sales associates are not employees, but rather work on a commission basisThis does not reflect on a credit historyAlthough not required as part of being a LS sales associate, Mr [redacted] had opted to have an eService account, whereas he could submit online business; the cost of the eService was $a monthHis records show he had eService for the months of August, September, and October.Again, per thorough review of all Mr [redacted] 's records, all our policies and procedures regarding the LS and IDShield memberships, and his associate agreement were handled accurately and appropriatelyThe memberships and associate agreement have all been cancelled and the last draft on both the LS and IDShield memberships were refundedThere are no further actions to be taken at this time and we consider this file closed

I have found out about week ago that some accounts are hidden from view where the consumer has no knowledge of what actions are not being disclosedLegal shield ID and or Equifax continue to engage in questionable behavior Public Record Fraud, Public Information Fraud, FCRA, FCDPA violationsI would liketo suggest to Revdex.com "Trust is a two way street" not a one way streetThe credit scores were written and turned over to the Oklahoma Attorney General as stated on the paperwork-credit scores it is clear that these companies cannot be trusted to handle records ;futhermore, Legalshield ID gave a welcome letter dated 07/25/this is between 05/02/and 01/22/all bills were paid and I have receipts on all accounts to demonstrate that these companies cannot be trustedI am sorry but I cannot trust these companies anymore and I wish them the best of luck with their endeavers no hard feelings but the fact of the matter is the "legal system" and the private companies who work with them have some very ? behaviorI am very disappointed at the behavior of Prepaid legal services and Equifax for ? behavior Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/07/14) */ July 14, [redacted] Revdex.com Attn: [redacted] South Dewey Oklahoma City, OK XXXXX RE: [redacted] Complaint Case NoXXXXXXXX Membership NoXXXXXXXXXXX This letter is in response to the above referenced individual's complaint Ms [redacted] became a member of LegalShield (LS) effective 5/17/We received Ms***'s paper application, with bank account information she authorized to be drafted for $36.00, which was her first month's membership fee of $and a $enrollment feeThe account was authorized for continued monthly drafts until changed to a credit card account which is currently used for payments, being drafted on the 14th of the month Ms [redacted] ***'s complaint is that she has had problems with her membership payment due to an error by LegalShieldShe states that she had called the Provider Attorney and was treated rudely and unprofessionally by the staffShe says she was then transferred to LS Member Services where the staff were also rudeShe requests that her experience with the service be pleasant and that LS enter accurate billing information Per review of her membership files, Ms [redacted] contacted her Provider Attorney's office on 7/7/When the Provider Firm intake representative asked her to repeat her name, she refused to continue the call and demanded a supervisorSubsequently, Ms [redacted] was transferred to Member Service, as her membership indicated a billing issue which needed attentionThe billing record shows that the credit card draft for her membership fee on 6/14/was declined as the card being restricted; our system retried the draft several times over the next week, but the draft did not go throughThe missed payment resulted in a letter being sent out, as well as a phone message left, which informed Ms [redacted] she needed to contact LS regarding her membership Per our company's required procedure, the member's name, address, and phone number are verified to be current and correct on every in-bound callThese same procedures are also followed with calls to the Provider AttorneyThis procedure is followed for accuracy on the membership and to ensure security of the member's private information Upon receiving the transfer to Member Service, the Member Service Professional (MSP) initiated the call by asking Ms [redacted] to verify basic information on the membershipMs [redacted] refused to verify any information for the MSP, and instead wanted the representative to relay all the billing information to herShe was informed several times that unless Ms [redacted] could comply with verification procedure, no billing information could be givenThe call escalated and was transferred to a supervisorMs [redacted] again would not complete the verification but ultimately did supply the last numbers of credit account on fileThe supervisor informed her that it appeared the cards' expiration date was expired and needed to be updatedSome credit card companies automatically update the expiration date through the system and some do notMs***'s card required a call to be updatedThis is not due to any error by LS; it is according to how that credit card company allows updates through their networkAgain, Ms [redacted] refused to provide payment information to bring the membership current stating she was calling from a public place which was not secureThe call again escalated, when the supervisor attempted to transfer to higher authority, Ms [redacted] disconnected the callUpon Ms***'s subsequent call, her credit card information was obtained and the membership brought current for the missed June payment, and will be billed for future monthly membership fees We take our responsibilities very seriously, and take pride in making sure that our business is conducted in accordance with the terms of our membership contracts and with our policies and proceduresPer our review, our company procedures regarding member's calls to LS and to the Provider Firm were correctly followedFurthermore, it should be noted that the verification procedures will continue on any future calls by Ms***, or any other member, calling LS or the Provider FirmIf verbal verification with LS is an issue for a member, they are welcome to contact Member Service by mail as an alternativeShould you have any further questions regarding this matter, please feel free to contact our office Respectfully, [redacted] Consultant, Regulatory Compliance

This letter is in response to the above referenced complaintMr [redacted] "s complaint is regarding the independent sales associate who had signed him up for the membership and also as a sales associateHe states he was harassed into enrolling and did not want the membership or to sellMr [redacted] says that that when he contacted LegalShield (LS) regarding the associate, he was retaliated againstHe tried to stop the membership by canceling his debit card but still received charges on his bank accountHe is requesting all fees paid into LegalShield be refundedLegalShield (LS) membership sales are made by independent contractors, also known as independent sales associatesThese independent sales associates are responsible for contacting and enrolling prospective new members in a LegalShield planThese associates are not employees of our company, but instead are paid on a commission basisLegalShield (LS) takes pride in the services we offer to our members and believe they provide many valuable benefits to the individuals who enrollWe want our members to understand the product and access the benefits and our goal is to always ensure that our associates properly solicit sales and follow all the policies and procedures of the companyThose policies and procedures are an integral part of the agreement they sign with us and failure to abide by them will result in termination of their agreementMr [redacted] enrolled for a Lega1Shield membership and also as a selling associate on 6/12/by submitting online applications, showing MrR [redacted] as the sponsorThe membership was active until cancelling on /30/12, for non-paymentOur records show he contacted his Provider Attorney for one legal intake during his membershipReview of the files also show Mr [redacted] sold three memberships as a sales associate, and received commissions on those salesWith the exception of one call from Mr [redacted] to our Member Service in October for payment information, we had no contact to our office regarding any complaint with the membership or with the associate, Mr [redacted] Upon receipt of this Revdex.com complaint, we have located a second membership under [redacted] , with [redacted] listed as spouseThat membership under [redacted] started 1/25/16, and is currently still activeThe file show that the Provider Attorney was contacted for legal matters on this membershipOur company conducted review of the allegations in Mr [redacted] 's complaintHe states the events of concern began before his membership in 2012, with no report of a problem over the past several yearsAs is indicated by Mr [redacted] using the membership for legal assistance and by selling memberships, he approved having the legal plan and anticipated continuing to sellThere is no further research to be done on this complaintOur company has contacted [redacted] to confinn if she desires to continue her membershipThe membership is on an automatic draft for payments, and requires to be cancelled by written request to our companyIn accordance with the General Provision "R" of her membership contract, you may cancel at any time by giving notice to the CompanyThe Named Member shall be entitled to be reimbursed by the Company the unused portion of the membership fees paid for the Contract, the amount to be calculated on a pro-rata basis over the period of the ContractMs [redacted] may contact our Member Service toll­free at ###-###-#### for assistanceWe want Mr [redacted] to know that we take our responsibilities very seriously, and take pride in making sure that our business is conducted in accordance with the tenns of our membership contracts and with our policies and proceduresShould he wish to pursue the complaint individually against Mr [redacted] , he will need to take further actions outside of our companyThere are no fees being considered to be refunded on this membership or on Mr [redacted] 's associate agreement fileShould you have any further questions, please feel free to contract our office

April 21, 2016Revdex.comAttn: [redacted] South DeweyOklahoma City, OK RE: [redacted] *** Complaint Case No [redacted] Membership No [redacted] This letter is in response to the above referenced complaintMr [redacted] states he has was refused services for his legal matter He relays he has spent hours on the phone trying to get resolvedMr [redacted] states he records all his calls, but had not been informed that LS had recorded calls until he his issue about getting legal assistance After he told LegalShield staff and attorneys he was filing a state bar complaint, they refused him any help He was especially upset to receive a letter that his membership was rescinded and he had no access for services Mr [redacted] requests continued legal assistance for five cases he needs resolved or to pay for an outside attorney to assistMr [redacted] held a LegalShield (LS) membership from 4/29/until 11/29/ On 3/9/Mr [redacted] called our LS Member Service and requested to be reinstated A $charge on his credit card, processed and activated the membershipIt is company policy that a member is informed on every call, that the call may be recorded for quality assurancePer review of his membership, on 3/21/16, Mr [redacted] contacted his Provider Attorney regarding a legal issueAfter a consultation and documents were submitted, it was agreed that a letter would be written on his behalf Mr [redacted] was dismayed when he found the letter could not be sent the same dayThe call escalated and Mr [redacted] demanded a supervisor, stating he was filing a report with the state bar On 3/31/a formal complaint was entered through our company in regard to Mr [redacted] not being satisfied with our procedure times for services It is indicated there was difficulty in communication between the Provider Attorney and Mr***After several missed calls from Mr***, and also form the Provider to Mr***, the supervising attorney successfully reached him The Provider Attorney spoke with Mr [redacted] and explained, although a conflict had been found with one of the parties involved, benefits were still available through a LS network attorney as a referral Mr [redacted] refused the offer of a referral and was adamant his matter be attended to by the Provider AttorneyHe was abusive throughout the discussion, and after stating he would file a state bar complaint, he disconnected the callOn 4/5/16, per information by his Provider Attorney, LegalShield took our company option to rescind Mr***’s membershipPer our contract, General Provision R, the Company may cancel the Contract if in the professional judgment of the Provider Attorney, the Member is unable, unwilling or incapable of accepting or understanding legal advice and servicesIt was found that our service could not benefit Mr [redacted] and he was notified his membership was cancelledHis credit card was refunded $17.00, which is fee processed on his reinstatement Mr [redacted] will need to seek legal assistance through other sources as his membership is terminatedWe find there is nothing more we can do for Mr***, and have closed our file Respectfully, [redacted] Consultant, Regulatory Compliance

This is in response to further correspondence you received regarding the above referenced complaint.The response our office received by Ms [redacted] 's son, [redacted] , states the Provider Attorney still spelled names incorrectly after he called and instructed on corrected spellingHe is demanding the documents be revised and sent.Timeline of legal services of the estate planning documents is as follows; 9/5/17, the Provider Attorney received the [redacted] questionnaire worksheet, on 9/8/17, the Provider spoke with Ms [redacted] and son, [redacted] and confinned spelling of namesCompleted [redacted] sent out to Ms [redacted] on 9/11/LegalShield received a faxed cancellation request on 9/15/The membership was cancelled without the Provider Attorney being contacted regarding any errorOn 9/26/17, eleven days after cancelling the membership, Ms [redacted] and Mr [redacted] called our Member Services with the complaint that names were misspelled on [redacted] documentsWhen they requested a refund of the membership fee, they were infonned it would be reviewed by management and could take up to I days.Thorough research shows that the Provider Attorney was not notified of any corrections needed on the [redacted] documents sent out until well after the membership was cancelledAlthough we do apologize for any miscommunication or inconvenience in the handling of this matter, no further services can be provided on an inactive membershipAfter reconsideration, in pursuit of good customer relations, we have issued a refund for the month's membership fee of $back to the credit card on fileThis credit should reflect on the next credit card statement.This is to confirm that the membership is cancelled, a refund has been issued, and we now consider this file closed

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 It took them seven paragraphs to do what could have been done in seven wordsI joined Prepaid Legal clearly not Legal Shield! Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: services of drafted legal documents were not done correctlyThey misspelled both [redacted] and my name after I told them in a call back to correct our namesThis was not done so and all legal documents including [redacted] , Statuary Durable Power of Attorney , Medical Power of Attorney and Hipaa release form had both my mom's [redacted] and my name [redacted] misspelled as I said After the call back in which I directly told them to correct these errors I ask for what is rightfully due to meNothing more nothing lessThank youThanks Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/07/09) */ July 9, Revdex.com Attn: [redacted] South Dewey Oklahoma City, OK XXXXX RE: [redacted] Complaint Case NoXXXXXXXX Membership NoXXXXXXXXXXX This letter is in response to the above referenced complaint Ms [redacted] 's complaint is that she had not received appropriate services and that the attorneys were not knowledgeable or helpfulShe says she had been referred to two separate attorneys for a traffic matter, but ended up hiring an outside attorneyMs [redacted] wants to be refunded for the fee paid to the attorney she had to retainShe states also she and her spouse had problems when he needed an attorney for a pension issue, and that the letter the attorney wrote a letter only escalated the situation Ms [redacted] first became a member with LegalShield (LS) formerly Pre-Paid Legal Services Incon 3/4/She cancelled in 2001, and later reinstated on 1/2/Her application was processed for $59.00, which was for the first month's LegalShield (LS) membership fee of $and included a $enrollment feeHer application authorized to have the $a month for the membership to be drafted on her credit card, occurring the 20th of every month Per her membership files, Ms [redacted] contacted the Provider Attorney in March 2015, after receiving a traffic citationPer procedures, the Referral Attorney who was assigned, informed Ms [redacted] he had contacted the prosecutor and could get supervision for the ticket without a court appearanceMs [redacted] did not agree to this, responding she wanted to take the ticket to trialAs the referred attorney did not want to pursue a trial, she requested and received a 2nd assigned LS attorneyShe contacted the 2nd attorney the evening before the citation court date and was told that pictures or documentation were required to dispute the ticketOn the court date, Ms [redacted] did not provide any support to the attorney, yet insisted that the citation be taken to trialThe attorney again recommended that Ms [redacted] accept the offer of supervision, adding that there would be a fee if she was determined to proceed to trialA continuance was granted; again Ms [redacted] requested a different attorneyShe was told she could be re-referred but at this point, services would be at a discounted rateShe refused the referral and hired an outside attorneySubsequently, the last attorney found a court scheduling fault which resulted in the ticket being dismissed The additional complaint problem is regarding her spouse's pension board demanding repayment within a few months for an overpayment on his pensionThe Provider Attorney offered to write a letter on their behalf, but the [redacted] 's preferred to discuss with a pension attorneyThe matter was assigned to a referral attorney , when they contacted, told them he was not familiar with that area of lawWhile waiting to be reassigned to someone knowledgeable to appeal a pension with a union, Mr [redacted] decided to accept having a letter with a settlement offer writtenLater when the response to the Provider's letter was received, the pension board indicated that the rule cited by the LS attorney was not applicable and that the pension board was being more generous than set in criteriaThe letter did not affect the initial guidelines set for the repayment of the overpaid pension funds [redacted] July 9, Our Provider Attorney, Evans, Loewenstein, Simanovski & Moscardini, LTD, provides the contract benefits for our Illinois membersWe have a very efficient attorney complaint resolution system, in which LegalShield investigates all complaints filed by members against Provider Law Firms and Provider AttorneysDeterminations for resolving these complaints are made based on the provisions of the membership contractLegalShield has investigated the Provider Attorney inquiry regarding the matters referred to in the Johnsons'complaint made to our company and now to your officeBased upon our review of her issue, it appears that Ms [redacted] was provided guidance and information from the Provider Attorney, and was assigned to referred attorneys for additional service according to the contract benefitsprocedures were followed regarding the traffic violation issueThe attorney contacts the prosecutor and attempts to negotiate to get the best outcome for the citation without addition expense to the memberRegarding the pension matter, we apologize that Mr [redacted] was not referred to specific attorney familiar with pension appealsThis is a specialized area of law, which may require additional time for an attorney to be assignedAlthough the Provider Attorney's effort to resolve the dispute by writing a letter to the pension board was not successful, correct contract benefits were providedMr [redacted] may have opted to retain a specialized attorney to appeal, although it is indicated that it may not be most cost effective resolution for this situation After a review of this complaint and of her membership files, we have determined the Johnsons' service complaints have been appropriately researched and addressed with the attorneys involvedEvery effort has made to review and improve procedures and to resolve the service complaintsWe apologize for any delay or misdirected referrals, and are confident that the Johnsons will find our service valuable for any future legal needsWe feel that the legal services provided by our Provider Firm to be efficient and beneficial, and hope that the [redacted] 's will continue to use their membershipShould you have any further questions regarding this matter, please feel free to contact our office Respectfully, [redacted] Consultant, Regulatory Compliance Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have no knowledge of a LegalShield membership from to I'm not sure how that is relevant to my complaint, but I would like to see paperwork to prove thisMy married name is very common so they may have mistaken me for another former memberHow is this relevant to my complaint? LegalShield continues to present only the facts that give the appearance they've fulfilled their obligation to give you an attorney, however they don't address the issue of referring attorneys that are unable to assist us with our problems The purpose of my membership is to utilize an attorney and their legal expertise when we need legal assistanceProviding us with the names of attorneys that don't specialize in the area of law required to solve the problem is counterproductive and can delay a response in matters where time is of the essence Matter - LegalShield referred the 1st attorney & told me to call for another referral if I wasn't satisfied with the 1st referralThe 1st attorney told me I'd probably get supervision before he asked me for the details of my caseI only spoke with him once & he called me within a couple of hours of the referral to get the ticket infoDuring our one phone call, he never mentioned to me that he talked to the prosecutor about my caseRevdex.com and I are getting this information at the same time because this is the first time I'm being made aware of this My whole point from the beginning is I could get supervision on my own with a good driving recordIf the attorney is only going to court with me to ensure I get supervision and not go to trial, then I didn't need one I called LegalShield while there was still plenty of time for me to speak with a new attorneyI called and requested a new attorney referralLegalShield made an error with my request and called and called me 2-days later with the name of the same attorney they'd referred me to previouslyThey've continued to ignore this error on their part, every time I've asked them to resolve this issue When I informed them of this error, they called me 2-days later (possibly Thursday) with the name of a new attorneyI was swamped with work and meetings on Friday and though the new attorney would call me just like the 1st attorney didWhen this did not happen I called the new attorney on MondayThe attorney asked for several pieces of evidence I could not gather the night before courtWhen we arrived to court, the new attorney was not dressed in a suit because in her own words "she figured it was a simple traffic violation." Because of this & the fact that she said she needed a large amount of evidence and documentation, I asked that we continue it so I could get another attorney I thought when LegalShield was made aware of what happened to one of their members they would do what they could to ensure I got an attorney for the next court date that could assist meWhat I received was the exact opposite When I hired my own attorney with no affiliation to LegalShield, he immediately noticed that my court date was not in compliance with an Illinois lawHe was more than willing to take it to a trial, with NONE of the documentation the 2nd LegalShield lawyer asked forThe new lawyer was able to pull up the street map and picture on his smart phone Even though he prepared me for a trial, he was able to get the ticket dismissed in less than minutes before the judge Why were these not results achieved utilizing LegalShield attorneys? Matter There was a deadline for my husband to respond to the letter he received from his pensionThe lawyer LegalShield referred us to did not respond to my husband's 1st two phone callsWhen my husband finally reached him, he told us he did not handle pension law and could not assist us When LegalShield offered to refer my husband to another attorney their representative told him they could not guarantee the attorney would handle pension lawAt that point my husband opted for a letter to the pension board because it was close to the response deadline and so much time had already been wasted trying to reach the 1st attorney LegalShield referred us to Had LegalShield informed us they did not have a pension attorney to refer us to, we would've sought out our own attorney and not wasted valuable time Also, LegalShield isn't addressing the fact that their attorney quoted a law that wasn't relevant to the pension matter at handTherefore, they caused us to miss the opportunity to respond appropriately before the deadline Instead, of getting an attorney to research the appropriate pension law and sending a 2nd response, they are now in what appears to be in agreement with the pension board in their response to Revdex.comHow is this posture of agreeing with the opposing side being an advocate for us as membersOr do they simply want us to drop it so they don't have to address the fact that their attorney quoted the wrong law for this matter There was a 3rd matter where LegalShield wrote a letter on our behalf and we received the same response as my husband's pension matter, that the law cited was not relevant to the legal matter In closing, now that these inconsistencies in service have been brought to LegalShield's attention, they have an opportunity to make this right They can make the point that they gave us an attorney & that's all they are required to provide based on the contractHowever, a reasonable person/member would believe and rely upon the assumption that the attorneys referred are fully capable and willing to handle their case at the pre-negotiated LegalShield rates and not provide substandard service as compared with non-LegalShield attorneys My reliance upon LegalShield promises of good service has cost me at least several thousands opportunities foregone due to inadequate responses and the retention of an attorney to provide services promised by LegalShield I'm only asking for my $to be credited to my LegalShield account Final Business Response / [redacted] (4000, 9, 2015/07/20) */ July 20, Revdex.com Attn: [redacted] South Dewey Oklahoma City, OK XXXXX RE: [redacted] Complaint Case NoXXXXXXXX Membership NoXXXXXXXXXXX This is in response to further correspondence you received regarding the above referenced complaint Ms [redacted] states she has no knowledge of having signed up for a membership initially in and asked for proofA copy of [redacted] 's application and check (former name [redacted] Hicks) is being mailed to Ms [redacted] per her requestWe acknowledge the records of the earlier membership enrollment is not a factor in her current complaintPlease note: the basic information on the individual's membership, such as effective date, payment amount and type, as well as, draft date, is given as background as part of our response to every complaint from the Revdex.com to our office Upon enrollment, a member is assigned to a Provider Law Firm, which provides legal services to our members within a given areaWe do not provide legal services, but rather our plan provides for certain benefits which are provided by the member's Provider Law Firm or an attorney that they might refer him to for particular mattersWe want to assure Ms [redacted] that complaints regarding the procedures outlined by LS for obtaining complete intake information and referring to an appropriate type of attorney have been entered as a formal complaint through our office and the matter has been addressed with the Provider FirmAs Ms [redacted] has concerns about the legal assistance she was rendered by the Provider Attorney, that is a matter she would have to pursue through other sources, as we do not provide those benefits through our offices After review of this complaint, we find that LegalShield has provided the services with access to her Provider Firm per her membership contractHer request for reimbursement for hiring her own attorney has been reviewed and deniedWe consider this complaint to be closed with our office Respectfully, [redacted] Consultant, Regulatory Compliance

Initial Business Response / [redacted] (1000, 10, 2015/08/25) */ August 25, Revdex.com Attn: [redacted] South Dewey Oklahoma City, OK XXXXX RE: [redacted] Complaint Case NoXXXXXXXX Membership NoXXXXXXXXXXX This letter is in response to the above referenced individual's complaint Mr [redacted] reinstated his LegalShield(LS) membership 7/20/by phone applicationAn initial payment for $was authorized by credit card for monthly membership fee; future drafts for monthly fees of $was set for the 20th of each month Mr [redacted] 's complaint is that he feels the letter the Provider Attorney wrote on his behalf was not according to his requests, contained errors, and was not approved by him before it was sent outHe wants another letter written and doesn't think he should have to pay to have that doneHe states he has already sent the attorney the changes he wants done in the new letter Our Provider Attorney deBeaubien, Knight, Simmons, Mantzaris & Neal, LLP, provides the contract benefits for our Florida membersWe want to assure Mr [redacted] our Provider Attorneys are carefully selected based on a number of factors, including recommendations from other lawyers in the area, bar association standing, client references, evaluation of education, experience and areas of practice of the lawyers within the firm, and on-site evaluations by our managementMost importantly, the Provider Law firms are evaluated on the firm's customer service philosophyAll of these factors contribute to assuring that our members receive the highest quality of legal services available in their areaOur attorneys are well versed and knowledgeable in providing all services under the membership contract Mr [redacted] has filed a service complaint through our offices regarding his Provider AttorneyWe have a very efficient attorney complaint resolution system, in which LegalShield investigates all complaints filed by members against Provider Law Firms and Provider AttorneysMr [redacted] indicates in the service complaint that the Provider Attorney did not put the information in the letter he specified, and he did not approve itPer our contract, General Provision Q, it is at the attorney's professional judgment what actions are appropriate including whether a letter will be writtenIt was determined by the Provider Attorney that Mr [redacted] 's direct accusations that the opposing party committed a crime and the demand for sizable restitution was not appropriate in the letterIt is indicated that Mr [redacted] requested numerous revisions on the content of the letterThere was no note of having to pay for a revised letterAfter a review of Mr [redacted] 's in office complaint regarding his attorney services, we have determined that benefits were provided according our contract and feel the attorney correctly and adequately assisted the member with this case Since the receipt of this Revdex.com complaint, our office, as well as, the Provider Attorney has contacted Mr [redacted] and discussed this matterIt does not appear as further action regarding this complaint is needed at this time Should you have any further questions regarding this matter, please feel free to contact our office Respectfully, [redacted] Consultant, Regulatory Compliance Initial Consumer Rebuttal / [redacted] (2000, 12, 2015/08/25) */ (The consumer indicated he/she ACCEPTED the response from the business.) everything is fine now

April 25, Revdex.com Attn: [redacted] South Dewey Oklahoma City, OK RE: [redacted] *** Complaint Case No [redacted] Membership No [redacted] This letter is in response to the additional correspondence you received regarding the above referenced complaintWe regret that Mr [redacted] did not agree with the process IDS and Kroll required to obtain the personal confidential information contained on his credit recordWe assure Mr***, the policies and procedures were strictly followed on his call and were not unique just to his membershipAs it is indicated there may be inconsistencies in his credit information, we suggest Mr [redacted] obtain and carefully examine an available online copy of his current credit report Again, Mr***’s membership was cancelled and the fee has been refunded; therefore, we consider this file closedRespectfully, [redacted] Consultant, Regulatory Compliance

Mr [redacted] is dissatisfied that the LS services cannot assist his wife with her legal matter which involves her employerHer membership was taken out as a benefit through her employerIt is an individual's option whether to enroll for a LS membership at a discount with the group or to enroll outside that employmentThe group contract has a specific amendment which applies to all of its' enrolleesThe employment related exclusion will always apply to that group by which a member enrolled No.#of the amendment excludes from coverage under the membership any action, proceeding or dispute related to the Named Member's employment; provided, however, when specifically provided by a specialty plan, a member may be entitled to administrative hearings benefits in accordance with contract terms.Mr***'s complaint was reviewed by upper management as to the current situation and our decision will not change The LS contract benefits are not available for this employer related matter Should Mr [redacted] continue to dispute, the next step would be to request arbitration through the Revdex.com regarding this complaint Although we understand Mr***'s concerns, no further actions will be taken by this office

Initial Business Response / [redacted] (1000, 8, 2016/01/14) */ January 14, Revdex.com Attn: [redacted] South Dewey Oklahoma City, OK XXXXX RE: [redacted] Complaint Case NoXXXXXXXX Membership NoXXXXXXXXXXX IDT NoXXXXXXXXXXX This letter is in response to the above referenced individual's complaint Ms [redacted] states she was pressured to fill out an application for membershipWhen informing the sales associate she had changed her mind, she was assured the application would be destroyedShe later found the application had been processedMs [redacted] is upset that the membership was processed after being told it would not be, and wants to be removed from our file On 12/17/15, the opportunity to sign up for a LegalShield (LS) and an Identity Theft IDT) membership was presented to a group of employees at Ms***'s workplaceA paper application was completed, with membership fees to be payroll deducted through the employerOn 12/18/when Ms [redacted] contacted the associate to say she had changed her mind and did not want the memberships, she was told the enrollment would not go throughUnfortunately, the group applications, having been.faxed to our company the same day, had started the process of completing a membership fileThe associate did call and attempt to stop the process although that could not be done once startedThe associate also contacted the group employer to relay that Ms [redacted] did not want the membership and payroll deduction should not be done for herOnce processed, only the member can cancel a membership LegalShield and IDTmembership sales are made by independent contractors, also known as independent sales associatesThese independent sales associates are responsible for contacting and enrolling prospective new members in a LegalShield plan and an IDT planThese associates are not employees of our company, but instead are paid on a commission basisUpon receipt of this correspondence, a formal complaint was filed on the associate who enrolled Ms [redacted] for membershipThe associate has been made aware of the complaint issue and that it will become a part of her recordAny independent sales associates that do not abide by our Company's Policies and Procedures will subject their associate agreement held with our Company to termination Our company takes pride in the services we offer to our members and believe they provide many valuable benefits to the individuals who enrollWe regret that Ms [redacted] has decided not to utilize our membershipCurrently, Ms***'s files have been inactivated; no fees have been deducted through her payrollWe apologize for any inconvenience this may have caused Ms***, and now consider this file closedShould you have any further questions regarding this matter, please feel free to contact our office Respectfully, [redacted] Consultant, Regulatory Compliance

This is in response to further correspondence you received regarding the above referenced complaint.Mr [redacted] states he did not receive communication as indicated in our response from the attorneys involved He says that the contact was not done in a timely manner and did not give the necessary information he needed that his document review would be at an additional cost.Wesincerely apologize for any miscommunication or misunderstanding regarding this legal matterPerthe filing of our in-housemember resolution file, the procedures taken with your case have been discussed with all the Provider Attorney staff as an opportunity to be more efficient and effective regarding legal intakes.As relayed in our initial response, we have refunded Mr [redacted] 's full fee to his credit card account; this credit should show on his next credit account statementAs there are no further actions to be taken, we consider this complaint closed

Ms [redacted] states she had an unauthorized charge for $from LegalShieldShe says she sent a cancellation which was confirmed as received, but the charge was done the same day as getting a confirmation email.Ms [redacted] enrolled on a web application to become a LegalShield (LS) sales associate on 1/3/The associate agreement gave her a year of free eService, which is an online tool whereas the associate can enroll others onlineThe application gave the option to continue the eService as a monthly or an annual charge after the free was upBased on her selection of "annual" charge, the draft was to be taken for $Ms [redacted] emailed her cancel request of her associate agreement on 1/2/18, which was sent to be processed to her fileUnfortunately the eService charge had already transmitted on 1/3/18, before the request was posted to the accountA refund for the fee taken of $was issued by Check No [redacted] and should have been received by the date our company was notified of this complaint.We want Ms [redacted] to know that we take our responsibilities very seriously, and take pride in making sure that our business is conducted in accordance with our policies and proceduresWe apologize for the delay on the refundShould you have any further questions regarding this matter, please feel free to contact our office

This letter is in response to the above referenced complaint.Ms [redacted] 's complaint is that her Associate Agreement with LegalShield (LS) did not continue to be active after her cancelled LS membership was reinstatedShe states she wasn't aware of this and wants her director level updated on her Associate Agreement (AA)for commissions on memberships sold.LegalShield and IDShield (IDS) membership sales are made by independent contractors, also known as independent sales associatesThese independent sales associates are responsible for contacting and enrolling prospective new members in a LegalShield and/or IDShield plan, or sales associatesThese associates are not employees of our company, but instead are paid on a commission basis.Ms [redacted] became an associate on 7/26/Since becoming a LegalShield (LS) independent sales associate, until 9/30/10, she has enrolled individuals for LS and IDS memberships, and as LS Associates, and achieved a director level for her sales Your associate agreement remains active as long as the individual has an active Legal Plan membership or makes a minimum of new sales a quarter.Ms [redacted] 's payment for her membership fee was set to be drafted the 1stof every monthThe draft for April payment declinedAfter several declined attempts to get payment, the membership went into pre-cancel due to non-paymentA credit card declined letter was sent out on 4/20/On 6/2/15, the membership cancelled after being on hold for over daysMs [redacted] called our Member Services on 10/1/requesting to reinstate her membership She was given the number to our LS Associate Services Department to discuss her keeping her Associate AgreementHer reinstatement request was submitted and the LS membership was processed on 10/2/Ms [redacted] did not call LS Associate Services regarding the reinstatement; the deadline for keeping her Associate Agreement active had been missed, and her AA was cancelled.After review of her file, all company policies and procedures were properly followedMs [redacted] 's request to reinstate her at director level as associate was reviewed by management and found not to be availableMs[redacted] 's may call the Associate Services at ###-###-#### to discuss options for reactivatingShould you have any further questions, please feel free to contract our office

Initial Business Response / [redacted] (1000, 8, 2015/11/25) */ November 25, Revdex.com Attn: [redacted] South Dewey Oklahoma City, OK XXXXX RE: Faustino Santucci Complaint Case NoXXXXXXXX Membership NoXXXXXXXXXXX This letter is in response to the above referenced complaint [redacted] Meyers submitted this complaint, stating she is [redacted] spouse [redacted] first enrolled with a LegalShield (formerly Pre-Paid Legal Services, Inc.) membership 12/18/He held an active membership until 3/16/06, later reinstating on 7/16/until the filing of this complaintThe membership is drafted monthly on a credit card for $on the 16th of each month Ms, ***' states the LegalShield employee she spoke to gave wrong information and refused to assist appropriately with cancelling the membershipShe is upset that she was required to update the address on file, and also concerned that her information would be shared with 3rd parties outside of LegalShield Per review of Mr [redacted] membership files, there was no contact to our company since being reinstated on 12/18/Per phone to our Member Services on 11/9/15, the caller, [redacted] identified herself as [redacted] Faustino Santucci's spouseAs the membership did not list her as spouse, the Member Service representative asked if Mr [redacted] was availableMr [redacted] entered the call and was identifiedBefore he could update the address, he indicated he had to leave and said [redacted] would finish the callIt is our company procedure to verify the caller, the address, phone number and email address on file, on every callNot only is it a safety procedure, it also ensures correct information should any alternate contact be needed with the member In regard to the call on 11/9/15, a 30-day hold was placed as a courtesy on the membership file to stop the draft from the credit card for the November 16th paymentMs [redacted] was then informed we require written request to be received to complete cancellationIn accordance with the General Provision "R" of this membership contract, you may cancel at any time by giving written notice to the CompanyOur procedure is to transfer a member who wishes to cancel to a special IVR line that explains the process to them as follows: Your membership contract requires a written request to cancelWe have placed a temporary day hold on your account and will be sending a cancellation waiver to be completed and returned to our officesIf we do not receive your request within days, the hold will be removed and your payments will resumePLEASE NOTE: it is your responsibility to verify receipt of your request to our officesInstructions for the verification process are explained on our waiverShould you fail to confirm delivery of your request to our offices, LegalShield will not be responsible if further deductions are taken from your account To repeat the cancellation instructions press To select a delivery method for your cancellation waiver, press For information on sending your own written request to cancel, press To hear these options again, press [redacted] November 25, Page The option was selected to receive a cancellation waiver to be sent to her by emailOur company received a cancellation email on the same date, which was sent to be processed We want Ms [redacted] to know that we take our responsibilities very seriously, and take pride in making sure that our business is conducted in accordance with the terms of our membership contracts and with our policies and proceduresOur company strictly abides by our Privacy Policy, which to address Ms***' concerns, specifically states "In no event do we disclose your personal information to companies that will use that information to contact you about their own products or services." Our Privacy Policy can be viewed in its entirety on our LegalShield.com websiteWe have found that our verification and cancellation procedures were correctly followed for this membershipThe cancellation request has been posted to the membership, therefore, we consider this matter closedShould you have any further questions, please feel free to contract our office Respectfully, [redacted] Consultant, Regulatory Compliance Initial Consumer Rebuttal / [redacted] (2000, 10, 2015/11/26) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2016/01/14) */ January 14, [redacted] Revdex.com South Dewey Oklahoma City, OK XXXXX RE: [redacted] Case NoXXXXXXXX This letter is in response to the above referenced individual's complaint We are unable to locate [redacted] in our membership database at the address, phone number or email address givenShould he wish to furnish our office with additional information that he believes would assist our office in locating his membership file, we would be more than happy to address his issuesThe LegalShield Member Services number is XXX-XXX-XXXXHowever, with the information at hand we are unable to investigate this matter Information that might help is: Provide membership number(s) A possible different first or last name Membership may be under a spouse's name Bank information as may be paying for another person's membership Thank you for your assistance in this matterShould you have any further questions, please feel free to contact our office Respectfully [redacted] Consultant Regulatory Compliance

Initial Business Response / [redacted] (1000, 5, 2015/10/02) */ October 2, Revdex.com Attn: [redacted] South Dewey Oklahoma City, OK XXXXX RE: [redacted] Complaint Case NoXXXXXXXX Membership NoXXXXXXXXXXX This letter is in response to the above referenced complaint Ms [redacted] 's complaint is that she had not received adequate services and that the attorneys were not knowledgeableShe adds she was rudely treated by attorneys, staff at the Provider Firm, and by corporate officeMs [redacted] demands to be treated professionally, referred at no cost to a bankruptcy specialist outside of the Provider Firm, and to be contacted by the manager of Provider Services about her service problems Ms [redacted] first became a member with LegalShield (LS) formerly Pre-Paid Legal Services Incon 11/15/Her application was processed for $27.00, which was for the first month's LegalShield (LS) membership fee of $and included a $enrollment feeHer application authorized to have the $a month for a LS membership drafted on her credit card, occurring the 19th of every month Our Provider Attorney, Willinger, Willinger & Bucci, P.C., provides the contract benefits for our Connecticut membersPer her membership files, Ms [redacted] contacted our Member Service on 9/14/regarding rude treatment by an attorney on her bankruptcy matterThe Member Professional filed a formal complaint through our corporate offices regarding her Provider AttorneyInformation in the complaint shows Ms [redacted] faxed documents to be reviewed; she missed a call back from the Provider Firm and when she called the Firm, the attorney was short and stated the review was not done yetShe did receive a call later but says the attorney was hurried and gave no helpful informationThe Provider Firm administrator contacted Ms [redacted] to offer assistance; a second consultation was made by another attorneyAlthough both of the attorneys reported giving options, went over court procedures and offered to write a letter on her behalf, Ms [redacted] was dissatisfied and says they did not answer her questionsIn attempt to help resolve her legal matter, a partner in the firm contacted herShe was unaccepting of the information given and demanded to be referred to a bankruptcy specialist attorney; she felt she should not have to pay for those servicesShe refused to further speak to anyone and demanded a call from the manager of Provider Services After a review of this complaint and of her membership files, we have determined that proper company procedures for service were followed, and that Ms [redacted] was provided benefits according our contractual responsibilityMultiple consultations have been given, all of which Ms [redacted] is not satisfied or accepting of the advise given herA referral to an attorney outside the Provider Firm has been offered at the contract benefits of a 25% discountAll communication between Ms [redacted] and the Provider Attorney staff and with the LS Corporate office has been reviewedThe manager of Provider Services has unsuccessfully attempted to call Ms [redacted] as requested; several voice mail messages have been leftAs there is nothing we can offer to further assist Ms [redacted] , we consider this matter closedShould you have any further questions regarding this matter, please feel free to contact our office Respectfully, [redacted] Consultant, Regulatory Compliance Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was supposed to receive a phone call from [redacted] the Direct of Provider servicesafter multiple attempts at being transferred and on hold I was always told that she or a supervisor were unavailable but would return my call later that dayI do not wish to be given the run around again, I already asked this in the resolution request as well as to be provided an attorney who specializes in the matter of my need, as was promised by the original representative I spoke to at Legal shield, [redacted] These two requests have not been met as of yetHow Legal Shield feels is irrelevant, they are not even accomodating these two simple requests Final Business Response / [redacted] (4000, 9, 2015/10/14) */ October 14, Revdex.com Attn: [redacted] South Dewey Oklahoma City, OK XXXXX RE: [redacted] Complaint Case NoXXXXXXXX Membership NoXXXXXXXXXXX This is in response to further correspondence you received regarding the above referenced complaint Ms [redacted] continues to demand a specialized bankruptcy attorney be assigned to herShe has consulted and had documents reviewed by two individual attorneys through the Provider Firm, in addition to a 3rd consultation with the managing partner attorney of the Firm, Willinger, Willinger & Bucci, P.CMs [redacted] is not satisfied with the legal advice of three separate attorneys for her options regarding possible bankruptcyHer consultation benefits have been provided per her membership contractAlthough she does not agree, and is not happy with, the legal options explained, she has been adequately advised on this matterShould she wish to proceed on this legal matter, any services, including filing for bankruptcy, will be under her discounted rate as a LegalShield memberAs Ms [redacted] disagrees that she should have continuation of services at no fee, no further attorney will be assigned As part of the formal complaint that was filed with our company, the manager of our Provider Service did try and contact Ms [redacted] several times, only to reach a voicemailAfter reviewing this additional correspondence and the member's files, we have found nothing new that changes our determinationThere is nothing more we can do to assist Ms [redacted] on this matter Respectfully, [redacted] Consultant, Regulatory Compliance

Complaint: [redacted] I am rejecting this response because: I have just only received a partial refund of $ The alert sent to me were and do not include any useful information when I went to the website to checkI even called their representative to complain and she confirmed that I should ignore the alertsIDshield should take responsibility and give me a full refund Sincerely, [redacted] ***