January 25, 2010 Admin. Contact Adaptive Marketing, LLC, a subsidiary of Vertrue, Inc. 9500 West Dodge Road, Suite 100 Omaha, NE [protected] Re: Member#’s - [protected] & [protected] To Whom It May Concern; This is to inform you that sometime in late 2006 or early 2007 I requested an annual credit report online. The cost of this report was supposed to be a one time administrative cost of $1.00. However, that was not the case, because your company proceeded to charge my account monthly at a rate of $1.00 + 29.95. Additionally, the charges started increasing effective June 30, 2008, $1.00 + 32.92, and subsequently $1.00 + 32.95. I contacted your organization, Privacy Matters, on August 22, 2008 at 11:30am and spoke with your representative, who identified herself as Sandra Valencia. I informed her that I had not authorized the charges that were occurring on my account monthly, and asked her to please process a cancellation and submit a request for an immediate refund of all monies, except the initial $1.00. She provided me with the following confirmation number, 26499. I have an extremely busy schedule, so I was remiss in checking to ensure that the request had actually been processed. I have recently found out that not only was the request not processed, but I was never given a refund. What actually occurred is that your organization stopped the larger monthly debit to my account, but continued to take $1.00 a monthly from my account. I have only tracked my account back to June 26, 2007, because my earlier bank records are packed away, and I have not had a chance to search for them. What is amazing to me is that your organization would do something so underhanded as to continue to charge my account after I asked you to stop. I have attached a copy of a spreadsheet created from my bank records. You will notice that some of your debits to my account caused NSF (non sufficient funds) charges. This is to advise you that I have filed a fraud complaint against your organization with the Federal Trade Commission, reported the fraud to my bank (and an investigation is underway), canceled the account that your organization continued to debit, filed a report against your organization on /link removed/ Better Business Bureau, and Dunn & Bradstreet. These filings and postings will continue until this matter is settled, and I am given a full refund. Based on my records from June 26, 2007 through January 11, 2010, your organization has taken $437.32 from my account. Additionally, during this same period, your organization caused my account to be charged $513.00 in overdraft charges. This totals to $950.32. Now, let me make this perfectly clear. It is my intention to be the biggest pain in the ### that your organization has ever had the experience of dealing with unless I get every single dime of my money back. Since my schedule is no longer as hectic as it was previously, I have nothing but time to spend on making sure that I not only get every dime back, but to also make sure that you don’t do this to anyone else. I have every intention of suing your ###-bucket organization if I am not given a full refund within the next 15 days from the date of this letter. The two membership numbers indicated above are on the account record that you charged. I determined that these were membership numbers based on my original 2007 conversation with your representative Sandra Valencia. Additionally, I noticed that every few months your organization changes the name of the company debiting my account, i.e., Privacy Matters, Your Savings, and Clubsave. I want all companies associated with your organization to cease and desist from making any further attempts at debiting any of my accounts, and as stated above I am demanding an immediate full refund, including my bank charges, totaling $950.32. If by chance Adaptive Marketing’s representatives are going to contend that this organization is only an agent for Privacy Matters, Your Savings and Clubsave, then it would be in your best interest to contact whomever you deem necessary to rectify this matter in my favor as soon as possible. By the way I do realize, through my personal investigation of this matter that your organization is owned by an umbrella organization by the name of Vertrue, Inc., and a class action suit has been filed against your organization for the very same thing that I am now accusing you. Trust me this is not a thread, but a promise, being a pain in the ### to your organization is now my top priority until I get my money back. Disgruntled & Highly Pissed-off, Unwitting & Unwilling Customer C: Dunn & Bradstreet Federal Trade Commission Chase Bank Better Business Bureau, Nebraska [redacted].com Jerry Brown, Attorney General, California John Bruning, Attorney General, Nebraska Jerry Lewis, U.S. Congressman, 41st District, California Hon. Diane Feinstein, U.S. Senator, California Hon. Barbara Box, U.S. Senator, California Attorneys representing consumers in class action suit against Adaptive Marketing / Vertrue, Inc.: Jerome Noll, Esq. _ Meiselman, Denlea, Packman, Carton & Eberz, P.C. William Federman, Esq. _ Federman & Sherwood