Affinity Solutions

Review: On 12-**-2010 [redacted] signed a contract with Affinity Solution for a credit card rewards program, for a percentage of charges to be returned to my customers who use there credit card at [redacted].

In the past two or more years I have tried to contact Affinity Solutions in order to cancel our contract, that could be done at any time by sending an email stating to cancel the contract, I would say I left 30-40 messages with there answering service or on a voice mail to get an email address or a direct fax number to the correct department, so that I could send my cancelation notice. I never heard back until I finally talked with [redacted] on August [redacted] 2014, he sent me an email so that I could cancel, but Affinity Solutions wants me to pay them for the two years that they would not respond to calls. [redacted] sent me an email offering 40% off of what they want me to pay. I have sent him emails, and called him four or five times since August with no response again.

I have also contacted a few of my customers who were suppose to be getting reward from this program and they knew nothing about the program or the name Affinity Solutions.

Affinity Solutions is now threating me with collection, and formal complaints.Desired Settlement: Affinity Solutions needs to clear my account with a zero balance, stop sending me invoices, and end my contract

Business

Response:

Re: ID [redacted]

To Whom It May

Concern:

This is in response to the concern/complaint filed by [redacted]

[redacted] ([redacted]), dated September **, 2014. Affinity Solutions, Inc. (Affinity)

manages financial institution rewards programs. Affinity contracts with a large

number of merchants that elect to participate in the programs (such as [redacted])

wherein we promote those merchants through various reward program

communications. In exchange for driving business to the merchant through the

program, the merchant agrees under contract to pay for a discount/reward that

program members receive for having bought goods or services through the

merchant.

Firstly, Affinity wishes to apologize that a reply was not made to

your messages. We will investigate and

ensure that you have an opportunity to communicate with someone in short order.

To answer [redacted]’s statement, our contract on record is dated December **, 2010,

as signed by the [redacted] Affinity had sent invoices and other payment reminders

to seek reimbursement as is owed under the contract, which [redacted] acknowledges

having received. However, Affinity did not receive any notice of cancelation

until August 2014. Affinity merely seeks its rights under contract to collect

any outstanding amounts owed for rebates paid out to the customers.

While we maintain the existence of a valid contract, given [redacted]’s

forthrightness recognizing the invoices sent by Affinity, we have decided to

suspend further attempts to collect such outstanding amounts rightfully owed to

Affinity. Affinity does request [redacted] provide a signed cancellation notice for our

records, and we consider [redacted] cancelled from our program. We wish [redacted] luck with

his business. Thank you.

Regards,

Affinity

Solutions, Inc.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I will be willing to close the complaint when I receive a invoice stating that I have a zero balance owned to Affinity Solutions. After numerous phone calls, voice mails, and emails last week I finally got ahold of Joset and told her what I needed, she turned me over to [redacted] who was extremely rude when she left me a message. I have since returned her phone call asking for the invoice with no reply what so ever.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]Affinity Solutions has still been sending me invoices asking for money, They have not send me an invoice stating I have a zero balance due.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Re: ID [redacted] To Whom It MayConcern:This is in response to the reply filed by [redacted] ([redacted]),dated March *, 2014. Affinity wishes to apologize if an invoice was incorrectly sent to[redacted], please ignore its contents. We reiterate our previous response that alloutstanding amounts owed have been reconciled and as such Affinity will nolonger be seeking reimbursement from [redacted]. Affinity considers this matterresolved, and will no longer be corresponding with [redacted] on this matter.Thank you. Regards,AffinitySolutions, Inc.

Review: This company continues on sending statements about unknown charges and the most recent letter states that they are going to send my outstanding invoices to a credit agency. I have no idea what this company does for my business nor what these unexplained charges are about. I have called Infinity Solutions countless times over a year period. I have left numerous messages. On February [redacted], 2014, I faxed a signed document stating that I no longer wish to do any kind of business with Affinity Solutions and to cancel any and all contract agreements. As stated earlier, I do not have a copy of a contract nor have any idea what this company does for me. It appears to be a scam company. Every time I I have called, I have yet to speak to an actual individual, it is all recordings.Desired Settlement: For this company to stop contacting me regarding unknown charges.

Business

Response:

Re: ID [redacted] To Whom ItMay Concern:This is in response to the concern/complaintfiled by [redacted] ([redacted]), dated October *, 2014. Affinity Solutions, Inc. (Affinity) managesfinancial institution rewards programs. Affinity contracts with a large numberof merchants that elect to participate in the programs (such as [redacted])wherein we promote those merchants through various reward program communications.In exchange for driving business to the merchant through the program, themerchant agrees under contract to pay for a discount/reward that program membersreceive for having bought goods or services through the merchant. Firstly, Affinity wishes to apologizethat a reply was not made to your messages and we will investigate and ensurethat this does not occur in the future. Ourcontract on record is dated April **, 2012, as signed by [redacted], and will beprovided along with other documentation to the Revdex.com. We are confident that theagreement clearly conveys the relationship that both parties share.Affinity had sent several invoices from August 2012 forward and other payment reminders toseek reimbursement as is owed under the contract. Affinity merely seeks itsrights under contract to collect any outstanding amounts owed for rebates paidout to the customers.While [redacted] states that a faxed notice of cancellation was sent to Affinity, we regret to inform you that we did not receive such notice from them. Affinity wishes to make clear that merchants are not obligated to continue with theprogram and may provide notice to cancel by using our cancellation form inorder to terminate our contract at any point in time. However, merchants remainresponsible for amounts owed and discounts/rewards incurred up to 30 daysfollowing receipt of the cancellation request given processing schedules. Regards,AffinitySolutions, Inc.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:I do not recall signing a contract with Affinity Solutions and would like for Affinity Solutions to provide me a copy of this contract. In addition, a fax was sent to Affinity Solutions on February [redacted], 2014 requesting cancellation of any and all contracts between [redacted] and Affinity Solutions, the letter was signed and faxed to the number listed on Affinity Solutions letterhead. I can provide a copy of the actual fax including the fax verification report confirming that the fax was received by Affinity Solutions. I do not feel that I owe any expenses incurred after the submission of this fax. I will be happy to provide Affinity Solutions and the Revdex.com a copy of these documents. Sincerely, [redacted]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Re:ID [redacted]To Whom It May Concern: This is in response to the reply by [redacted] ([redacted]’s), dated February**, 2015. Affinity wishes to apologize for the last invoice that was incorrectly sent to [redacted]’s, please ignore its contents. We are working to ensure that you receive no further correspondence from Affinity. As stated in our previous response, Affinity considers this matter resolved. Wewish [redacted]’s continuing success with their business. Regards,Affinity Solutions, Inc.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: In 2012 I signed up to use a credit card servicing company for my small business. Without it being fully explained, I signed up for a cash reward program through a Affinity Solutions. I was not told what I was signing by the representative. I received a letter from Affinity Solutions in November that I decided to look at and found that I owed them money. I had never opened anything from this company before because I thought it was "junk mail". I called the company on November **to see what this was for and I finally had someone call be back on January **! I have talked with them. I have sent in the form to get out of the program, but I don't believe I should be responsible for the payment because of the deceptive practice by which I signed the form. It was never explained to me and another company besides the one I was using for credit card processing was ever mentioned.Desired Settlement: As stated before, no responsibility for the payment of the amount.

Business

Response:

Re: ID [redacted]

To Whom It May Concern:

This is in response to the concern/complaint filed by [redacted] and [redacted] ([redacted]), dated February **, 2014. Affinity Solutions, Inc. (Affinity) manages financial institution rewards programs. Affinity contracts with a large number of merchants that elect to participate in the programs (such as [redacted]) wherein we promote those merchants through various reward program communications. In exchange for driving business to the merchant through the program, the merchant agrees under contract to pay for a discount/reward that program members receive for having bought goods or services through the merchant.

Affinity wishes to apologize for missing the opportunity to reply to your complaint on a timelier basis. We will investigate the issue to have it resolved in short order. Affinity prides itself on working to form strong relationships between financial institutions and merchants, and driving new customers to merchants such as [redacted].

Affinity has on record the contract, signed by owner, which we are confident clearly lays out the relationship that both parties share. While we maintain the existence of a valid contract, at this time Affinity has chosen to suspend collection and wishes [redacted] success with their business. Affinity does request [redacted]l provide a signed cancellation notice for our records, and we consider [redacted] cancelled from our program. Thank you.

Regards,

Affinity Solutions, Inc.

Review: I received an invoice stating that I owe Affinity solutions for a cash back rewards for [redacted] Credit Consumer customers who shopped at my store. I have never agreed to this or have signed any contracts with this company. I have never even spoken to anyone at this company. The contract is false and I feel this is a scam.Desired Settlement: To stop billing me and never contact my business again.

Business

Response:

Re: ID [redacted]To Whom It May Concern:This is in response to the concern/complaintfiled by [redacted], dated September *, 2015. Affinity Solutions, Inc. (Affinity) managesfinancial institution rewards programs. Affinity contracts with a large numberof merchants that elect to participate in the programs (such as [redacted]) whereinwe promote those merchants through various reward program communications. Inexchange for driving business to the merchant through the program, the merchantagrees under contract to pay for a discount/reward that program members receivefor having bought goods or services through the merchant. Our contract on record is dated March *, 2014, as signed by owner, and will be provided along with other documentationto the Revdex.com. We are confident that the agreement clearly conveys the relationship that both parties share. Affinity wishes to make clear thatmerchants are not obligated to continue with the program and may provide noticeto cancel by using our cancellation form in order to terminate our contract atany point in time. However, merchants remain responsible for amounts owed anddiscounts/rewards incurred up to 30 days following receipt of the cancellationrequest given processing schedules.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I did sign that contract well over a year ago but was told it would only last a year. I was not told I would have to terminate due to automatic renewal. Please provide a cancellation letter and I will pay the amount owed as soon as the contract has been terminated.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Re:ID 10799281 To Whom It May Concern:This is in response to the reply by [redacted], dated September 9,2015.Please find attached a cancellation form to be completed by [redacted] and sent backto Affinity. Additionally, we have provided a copy of the invoice stating allamounts owed by [redacted]. Upon receipt of final payment from [redacted] inthe amount of $10.00, we will cease all further communications, and Affinityconsiders [redacted] cancelled from our program. Affinity considers this matter resolved and thanks [redacted] for working to reach aresolution in a professional manner. We wish [redacted] luck with theirbusiness. Regards,Affinity Solutions, Inc.

Review: I have requested several times for my email address be removed or to unsubscribe, I get an error message that my email address DOES NOT exist and to contact customer service. I have called and been hung up on twice. I want my email address removed from their database and to NEVER receive SPAM from them, again.Desired Settlement: I want my email address removed from their database and to NEVER receive SPAM from them, again.

Business

Response:

Good afternoon,

Please be advised that we have received [redacted]'s complaint. While we are not sure why she was unable to unsubscribe via email, we understand her concern and would like to resolve this issue as quickly as possible.

Her email address, [redacted], has been removed from our database and unsubscribed from all future email distributions. She should no longer receive any messages from us.

Please let us know if there are any additional questions or concerns.

Sincerely,

Affinity Solutions

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Affinitity Solutions is billing our business, Exquisite Leather & Luggage, Inc. for some customer cash-back rewards system of some sort that Exquisite Leather & Luggage NEVER AGREED TO. The description of the charge on the bill reads,

"As per Agreement between EXQUISITE LEATHER & LUGGAGE and Affinity Solutions, Inc. Cash back rewards for Wells Fargo Credit Consumer customers who shopped EXQUISI" - the description stops there on the invoice.

The total amount billed is $70.00 on invoice # [redacted] dated 1/**/2014.

The company has a phone # to contact, but there is never a live person to talk to. Two voicemails were left at their number, and no callbacks were made.Desired Settlement: Exquisite Leather & Luggage, Inc. (ELL) never entered into an agreement with Affinity Solutions for anything. Burden of proof of "Agreement between EXQUISITE LEATHER & LUGGAGE and Affinity Solutions" falls on Affinity Solutions.

Desired outcome is for Affinity Solutions to stop sending invoices to ELL.

Business

Response:

To Whom It May Concern:

This is in response to the concern/complaint filed by Exquisite Leather & Luggage, Inc. (ELL), dated February *, 2014. Affinity Solutions, Inc. (Affinity) manages financial institution rewards programs. Affinity contracts with a large number of merchants that elect to participate in the programs (such as ELL) wherein we promote those merchants through various reward program communications. In exchange for driving business to the merchant through the program, the merchant agrees under contract to pay for a discount/reward that program members receive for having bought goods or services through the merchant.

ELL states that it never agreed to Affinity’s rewards program. Our contract is dated July **, 2012 as signed by the [redacted]. We will get a copy to you. Secondly, Affinity wishes to apologize that a reply was not made to your messages. We will investigate and ensure that you have an opportunity to communicate with someone in short order.

Affinity has sent invoices and other payment reminders to seek reimbursement as is owed under the contract. Affinity wishes to make clear that merchants are not obligated to continue with the program and may provide notice to cancel. However, merchants remain responsible for discounts/rewards incurred up to 30 days following receipt of the cancellation request given processing schedules.

Regards,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Affinity's response is that the [redacted] signed a contract. The Affinity Salesperson who "sold" this contract misrepresented what this program was about. Affinity now claims there IS a service fee (a fee charged by Affinity to [redacted] for their dubious reward program services).

The [redacted] signed a document in July 2012 that states a $0 service fee. If the service fee was not meant for [redacted], then who was it meant for? The Terms section of the Contract is written from a prospective end-customer of [redacted]'s - that is, "Spend $100, get $100 Reward Max." See attached copy of so-called "agreement" which shows the completely misleading Service Fee and Terms. Only the Service Fee section stating $0 service fee made sense to the [redacted] when the document was signed, as it was taken to be a zero-charge service fee.

It was not until September 2013 that Affinity began billing [redacted] for the first usage of Affinitys' program by an [redacted] customer. The time between the [redacted]'s signing of the document with Affinity and the first time that an [redacted] customer supposedly used Affinity's rewards program was 1 year and 2 months - long enough for any retailer who is already is busy enough with bookwork and running a small business may overlook and simply pay the invoice, which amounted to only $60 in a Sept. 2013 bill. [redacted] did not fall into this trap.

Now that [redacted] understands fully what Affinity does for its business, i.e., milk merchants for extra fees for questionable return on increased revenue (when in fact most credit card banks already offer rewards programs funded through their own merchant service fees). What [redacted] signed was a worthless, non-binding document that was presented as an agreement.

Through this email via Revdex.com, [redacted] wishes to cancel this dubious "contract" as Affinity Solutions sees it. [redacted] has no intention of paying Affinity invoices due to misrepresentation on Affinity's salesperson's part as stated above. [redacted] wishes to not have any further correspondence with Affinity or its agents.

Sincerely,

Business

Response:

Re:

To

Whom It May Concern:

This

is in response to the concern/complaint filed by Exquisite Leather and Luggage

(ELL), dated October **, 2014.

Affinity

wishes to apologize for the recent invoices which were sent to ELL. Please

disregard any and all further correspondence, as we have ELL’s cancellation on

record and consider this matter resolved. We wish ELL all the best with their

business.

Regards,

Affinity

Solutions, Inc.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I have never heard of this company until they started billing me a year ago. I called them and they were supposed to remove me from their system. Have called numerous times since then and they disappear a few months and pop back up. It has something to do with rewards on credit cards which we would never be in a program like that. They always put [redacted] in front of our name which is also a bank I have never or will ever use. We got a letter today telling us we had until oct * to pay them. Even thought the amount they claim we owe is small. We have never dealt with this business or entered any kind of agreement with them. From reading the complaints on Revdex.com this seems to be normal practice for this company.Desired Settlement: Just want them to leave us alone.

Business

Response:

Re: ID [redacted]

To Whom It

May Concern:

This is in response to the concern/complaint

filed by [redacted]’s [redacted] ([redacted]’s), dated October *, 2014. Affinity Solutions,

Inc. (Affinity) manages financial institution rewards programs. Affinity contracts

with a large number of merchants that elect to participate in the programs

(such as [redacted]’s) wherein we promote those merchants through various reward program

communications. In exchange for driving business to the merchant through the program,

the merchant agrees under contract to pay for a discount/reward that program

members receive for having bought goods or services through the merchant. The [redacted] is a credit and debit card

issuer, managed by Affinity that provides cash-back offers at participating merchants

(such as [redacted]’s) to members of their reward programs. The involvement of card

issuers, such as [redacted], in these programs is described in the contract.

Affinity has

on record the contract, signed by [redacted], which we are confident, clearly lays out

the relationship that both parties share. While [redacted]’s states that they have

not heard from Affinity prior to one year ago, Affinity had sent an invoice

from February 2012 forward to seek reimbursement for amounts owed under the

contract.

While we maintain the existence of a

valid contract, Affinity has decided that it is inefficient to attempt to

further collect on this debt, and because [redacted]’s has been forthcoming during

this process, Affinity will suspend all attempts to collect such outstanding

amounts owed. Affinity does request

[redacted]’s provide a signed cancellation notice for our records, and we consider

[redacted]’s cancelled from our program. Thank you.

Regards,

Affinity

Solutions, Inc.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

I was forwarded a copy of this so called contract. It was never signed by anyone with this company. This is a fake contract with a rubber stamp name at the bottom . Our company would never enter into an agreement giving someone rewards for using credit cards. We actually reward customers to pay cash. This so called contract is about a phony as they come with forged information on it.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Re: ID [redacted]

To

Whom It May Concern:

This

is in response to the concern/complaint filed by [redacted]’s [redacted] ([redacted]’s),

dated October **, 2014.

We would like to assure you that

Affinity Solutions has not forged any information in the contract nor is this contract

fictitious. While we find this accusation to be without merit, as stated in our

prior response, it would be inefficient to attempt any further collection on

this debt directly and are officially suspending that activity. We would no

longer like to receive any correspondence from [redacted]’s regarding this matter.

Also, we would appreciate the

signed cancellation notice for the record and are happy to consider [redacted]’s

cancelled from our program. Thank you and we wish [redacted]’s all the best in its

business.

Regards,

Affinity

Solutions, Inc.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. Even though the documents have been forged. I will not send a notice of cancellation, because I never entered into this. The phony contract expired 1 year after the date so it should be out of time anyway.

Sincerely,

Review: I have received 2 bills from this company whom I have never done business with. They have my merchant ID # and processing information and when I called my credit card processing company they assured me that they have never heard of this company and that they never shared my information with them. I never signed or agreed to doing business with this Affinity Solutions and had never heard of them before receiving a bill. When I called the number on the invoice to try and resolve it they kept telling me that the accounts manager was not available. I fear this is a fraud scam and I am concerned how they got my personal and business information in the first place. My processing company suggested that I file a complaint with the Revdex.com.Desired Settlement: I am requesting both no further contact from this business and discontinued billing for a program that I never signed up for.

Business

Response:

Re: ID [redacted] To Whom It May Concern: This is in response to the concern/complaint filed by [redacted] ([redacted]), dated January **, 2016. Affinity Solutions, Inc. (Affinity) manages financial institution rewards programs. Affinity contracts with a large number of merchants that elect to participate in the programs (such as [redacted]) wherein we promote those merchants through various reward program communications. In exchange for driving business to the merchant through the program, the merchant agrees under contract to pay for a discount/reward that program members receive for having bought goods or services through the merchant. Firstly, Affinity wishes to apologize that a reply was not made to your messages and we will investigate and ensure that this does not occur in the future. Our contract on record is dated December **, 2011, as signed by owner, and will be provided to the Revdex.com. We are confident that the agreement clearly conveys the relationship that both parties share. Affinity sent [redacted] an invoice for $32.88 to seek reimbursement as is owed under the contract. Affinity merely seeks its rights under contract to collect any outstanding amounts owed for rebates paid out to the customers. Affinity wishes to make clear that merchants are not obligated to continue with the program and may provide notice to cancel by using our cancellation form in order to terminate our contract at any point in time. However, merchants remain responsible for amounts owed and discounts/rewards incurred up to 30 days following receipt of the cancellation request given processing schedules. Regards, Affinity Solutions, Inc.

Review: My family's business ([redacted] located in [redacted]) has been receiving invoices from Affinity Solutions since August of 2013. When I did not recognize the company I called to ask for an explanation as to what I was being billed for. The [redacted] informed me that they were a marketing company and that I would have to leave a voicemail for the department and someone would get back to me. I never received a call from Affinity. A few months later I received another bill and I attempted to call and got the same result. Today I received my fourth bill with a letter saying that my account would be sent to a collections agency as well as negative action with the Revdex.com. When I called to inquire, the [redacted] ([redacted]) informed me that there wasn't anyone I could speak to, and after pestering, I was transfer to a woman who promised to remove my business from her mailing list. She took my name and telephone number. She said she had all the information she needed and when I asked her to verify my mailing address so I could be confident that my business would be removed, she said she didn't have the information, panicked and disconnected the call.Desired Settlement: Now that I know this is a scam, I would like to not receive any correspondence from this company and have others be made aware that this is a fraudulent invoice.

Business

Response:

Re: ID [redacted]

To Whom It May Concern:

This is in response to the concern/complaint filed by [redacted], dated September **, 2014. Affinity Solutions, Inc. (Affinity) manages financial institution rewards programs. Affinity contracts with a large number of merchants that elect to participate in the programs (such as [redacted]) wherein we promote those merchants through various reward program communications. In exchange for driving business to the merchant through the program, the merchant agrees under contract to pay for a discount/reward that program members receive for having bought goods or services through the merchant.

Affinity wishes to apologize for missing the opportunity to reply to your complaint on a timelier basis. We will investigate the issue to have it resolved in short order. Affinity prides itself on working to form strong relationships between financial institutions and merchants, and driving new customers to merchants such as [redacted].

Affinity has on record the contract, signed by [redacted], which we are confident clearly lays out the relationship that both parties share. While we maintain the existence of a valid contract, at this time Affinity has chosen to suspend collection and wishes [redacted] success with their business. Affinity does request [redacted] provide a signed cancellation notice for our records, and we consider [redacted] cancelled from our program. Thank you.

Regards,

Affinity Solutions, Inc.

Review: We have received several billing statements over a seven month period. Upon the arrival of each bill we have contacted this company to explain the nature of the bill. They responded that they could not tell us at that time and they would have to call us back. We never received a phone call until the end of last month (September). They did not want to release to us a copy of our "contract" but instead offered to let us only pay half of what was owed. We refused to without a copy of the contract. They then faxed us a contract that was forged with our name and signature. The signature is a clear indication that this was not completed by us! We have tried to contact the company since then and they still refuse to talk with us.Desired Settlement: We would like for this company to delete any information it has about us and to stop contacting us. This is clearly a fraud and we wish to be left alone.

Business

Response:

Re: ID [redacted]

To Whom It May Concern:

This is in response to the concern/complaint filed by [redacted], dated October *,

2014. Affinity Solutions, Inc. (Affinity) manages financial institution rewards

programs. Affinity contracts with a large number of merchants that elect to

participate in the programs (such as [redacted]) wherein we promote those

merchants through various reward program communications. In exchange for

driving business to the merchant through the program, the merchant agrees under

contract to pay for a discount/reward that program members receive for having

bought goods or services through the merchant.

Affinity wishes to apologize that a reply was not made to your messages.

We will investigate and ensure that you have an opportunity to communicate with

someone in short order. Affinity prides itself on working to form strong relationships

between financial institutions and merchants, and driving new customers to merchants

such as [redacted]. At this time, Affinity has chosen to suspend collection and wishes [redacted]

continued success with their business. Affinity does request [redacted]

provide a signed cancellation notice for our records, and we consider [redacted]

[redacted] cancelled from our program. Thank you.

Regards,

Affinity

Solutions, Inc.