This business is not BBB accredited.

Living Scriptures Inc

Phone: (801) 627-2000 Fax: (801) 629-3075 View Additional Phone Numbers 3625 Harrison Blvd, Ogden, UT 84403

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BBB Accreditation

This business is not BBB accredited.

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Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Living Scriptures Inc include:

  • 2 complaint(s) filed against business that were not resolved

Factors that raised the rating for Living Scriptures Inc include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 42 complaint(s) filed against business

Customer Complaints Summary Read complaint details

42 complaints closed with BBB in last 3 years | 12 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 24
Billing/Collection Issues 6
Delivery Issues 0
Guarantee/Warranty Issues 1
Problems with Product/Service 11
Total Closed Complaints 42

Customer Reviews Summary Read customer reviews

1 Customer Review on Living Scriptures Inc
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 1
Total Customer Reviews 1

Additional Information

BBB file opened: August 01, 1992 Business started: 04/01/1974 Business started locally: 04/01/1974
Business Management
Mr. Jared Brown, President Ms. Rae Jean Williams, Business Contact
Contact Information
Principal: Mr. Jared Brown, President
Customer Contact: Ms. Rae Jean Williams, Business Contact
Business Category

Advertising - Direct Mail General Merchandise - Retail

Customer Review Rating plus BBB Rating Summary

Living Scriptures Inc has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of B+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations


    3625 Harrison Blvd

    Ogden, UT 84403 (801) 224-3832 (801) 627-2000


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

10/8/2015 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: This company has terrible customer service. I wanted to order some Old Testament DVD to go along with my children'scripture study, so I called them up. They assured me I would have my first dvd, and be able to stream the videos through roku on the 7th. I ordered 12 dvds. They never sent me anow email, so I couldn't stream them. The first dvd never came. When I tried to call them they gave me 2 different numbers that were bogus, saying each time I had to call a different number to get assistance. Then the next day, I tried calling again, and was hung up on 3 times before I could speak to anyone. Then the lady I spoke to was very rude, talking over me when I tried to ask a question, and saying repeatedly that "I had a commitment, that I needed to understand I had to pay"......basically nomatter what.I haven't even received anything, and she was demanding that I state for her that I would pay 39 dollars a month for 12 months. This is insane!!!!!!!! I told her I didn't want them to send me anything. But they do have my credit card info. I will be contacting my lawyer right now.

Desired Settlement: I want to never be sent, or ever be charged for any DVD from The Living Scriptures Company. I do not want to have to change my bank account number just to get this company to leave me alone, because I want nothing to do with them, they have given me nothing, and I want nothing from them.

Business Response: I have researched Ms. ******'s complaints with her order. I have concluded that several errors were made.  The appropriate departments have been notified regarding that she was given a date of when a product was going to available to her when when we  were not able to meet such date.  I had called Ms. ****** this morning and discussed the issues with her with an apologizing for the issues involved.

9/26/2015 Advertising/Sales Issues
9/21/2015 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I have been charged twice in the same month with no explanation or paperwork that states why. No email, no contact what soever at all. I have tried to contact them, I get put into a call line and then within 2 minutes I get put to an unknown voicemail. I tried to call multiple times. All I want is an explanation of the additional charges and to set up paper billing statements so I have a breakdown possible future charges. This is this first time I have contacted them and not received ANY response. I've contacted in the past with no problem but this isn't the first time I've been charged more than once in a month.

Desired Settlement: I want to know why I was charged 2 times in September (9/8 and 9/16) also I'd like to know why there was a credit to my account in August (8/14). Also I want to know why there is no standard billing day. It changes from the first week of a month to the third and from a Monday to a Thursday and everything in between.

Business Response: I have spoken to Mrs. ******** today and explained that we had an issue with our merchant for our credit card processing. After it was explained she understood. I have set up a billing cycle to bill around the 15th of every month. Explained to Mrs. ******** that when having issues of not able to contact us by telephone to please email us. I believe that I was able to resolve her issues today.

Consumer Response:  
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.


********* ********

9/13/2015 Billing/Collection Issues
9/9/2015 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: In April of 2015 Living Scriptures advertised a FREE DVD of the life of the Mormon prophet Gordon B. Hinckley. I filled out the Online form and called the company, as per the online form instructions, to verify that the information I submitted was correct. In the conversation I had with the female sales associate I made it clear I wanted no phone calls or contact from the company, nor was I willing to pay what I felt was the exorbitant amount of money they sold their movies for. I was not willing to go into debt to purchase movies from their company when I can find them much cheaper at yard sales, or as gifts from friends. I simply wanted to free DVD with no strings attached. As of May I have had to use a phone ap to block their number because they had already called me three times and now we are at a total of 16. My ap has recorded two attempts in May, none in June, five times in July and six this month. (August) When speaking with the sales person I made myself clear that I wanted no phone calls or contact and I don't appreciate being ignored. I have been seeking others to see if their is a class action lawsuit being filed as I'd like to be added to the list of complainants.

Desired Settlement: STOP CALLING ME!!! If I wasn't interested before I'm definitely not interested now.

Business Response:

I contacted Ms. S**** by telephone and left a message for her to contact me. I have listed her telephone number as a no contact. I have also forward this complaint to our Management team so they can look into if additional training is needed.  Ms. S**** called into redeem her free DVD back in May 2015. Our sales person asked if she knew of us and had any of our products.  Ms. S**** stated she was aware of who we are and was interested in our products but not at this time.  A nice conversation was back and forth with Ms. S****, and our sales person proceeded to present her with what she could offer. Ms. S**** had declined at that time and expressed she had only wanted to verify her address for the free DVD. We have made a few attempt months later to contact her with no success. I have stopped the calls from calling her number. If Ms. S**** would like to contact myself at customer service she can ask for Rae jean at ************.

9/1/2015 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: The model leaves it impossible to know how bad the product really is. You do not receive the entire product, but receive it monthly while paying monthly. The product was advertised as a high quality video. It was not. It was basically a VHS transfer from a video done decades ago. They simply converted it to DVD, of which the DVDs cost pennies to make. As the DVDs continued to come in at VHS quality, we tried to break from the contract, but the contract is written entirely in their favor. The lock-in of over $2000 provides NO VAULE to the customer. There is no reason someone shouldn't be able to cancel. At current, we have a few DVDs of which they charged an outrageous $37+ a PEICE. That's over 3 times the reasonable value for a large production movie. A typical DVD for a blockbuster can be gotten at $9.99-$19.99, and would be of much higher resolution and quality. Worse, they bully you into continuing through credit threats. This company is extremely unreasonable and an obvious scam.

Desired Settlement: We want to simply separate. They remove their credit by-line from our records, and we get no further product. They already have received a few hundred dollars, which is more than enough to cover their expenses. Or we are more than happy to ship their trash back to their offices if they desire.

Business Response:

Mr. S***** entered into his agreement back in April 2013. I have enclosed a copy of his agreement and statement history.  As noted on the statement history Mr. S***** has paid several on time payments. Our records show that in April of this year our sales department has spoken to Mr. S*****. He expressed his feelings toward the DVDs he is purchasing. He was offered to talk to our customer service department and he declined. We have noted that on August 18th of this year that Mr. S***** and called in regarding a bill that was sent out and expressed how unhappy he was.  I had called him back myself to get information of what the issue was that he was having. He expressed that we was taking further actions regarding the contract 

 We have been in business 40 plus years. We started out with VHS and Cassette tapes. A long the way with times changing we had moved into DVDs and CD's.  As times have changed once again we have improved our DVDs starting back in 2004 to what we call the " Complete Learning System". What this entails is quizzes with 3 levels and movie clips as well has scriptural references. This feature was never on the VHS version. Then once again we did another update with one of our series to a digitally restored widescreen.  At the time Mr. S***** entered into his agreement we had the completion of the newest version for one the series he was receiving. We are in the process of restoring all animation DVDs.

 We are willing to exchange the other DVDs that Mr. S***** has to the digitally restored revision. We are willing  to set up his account for free access to streaming for the life of his order. 

Consumer Response:  
Complaint: ********

I am rejecting this response because:

All contracts should be to the advantage of both parties. Contracts that only side one become null and void. There is no reason I should be forced to continue to buy these overpriced DVDs. Market comparisons demonstrate $34 for a half hour of material is unreasonable. There is absolutely no reason I should be forced to continue to buy the product. I do not have the product in my hands. It is treated as a loan, but I am borrowing nothing. This is entirely an illogical contract.

AT&T has an early termination fee because they are covering the cost of your cellphone. This contract has no equivalent. There is zero loss on their part to terminate the contract and allow me to move on. Courts are not siding with early termination fees in these cases. It is a one sided contract, hence by ethics, null contract.
BTW, I did talk with their customer service. For a so-called Christian based organization, their staff was unsympathetic and cold.

Joshua S*****

6/16/2015 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: We cancelled living scriptures and mailed out the cancellation with in the 3 days that is required by law. Mrs *** said that they did not receive our cancellation letter till the 15th and our letter was not post marked by the 14th. I have know idea how that is possible when it was mailed on the 14th and she said she received it on the 15th. . When I caught her on this she said no we did not receive your letter until the 19th. I asked her to help and take care of this issue of cancellation. She kept referring to her contract and asking why I wasn't willing to live up to the contract that was signed. All you have to do is read this companies complaints and you can see what kind of company it is. Not even willing to be accredited because they know they are a horrible company. """"" said she had worked for the company for thirty years and it was a great ethical company. Any company that is unwilling to give you a phone number and name to the owner is not a company you want to do business with. I want my contract cancelled and everyone to know how bad the quality of DVD are. If you don't believe me look at the other complaints on the BBB. I told her I would be writing this complaint to the BBB and she said it did not matter to her she would just respond to it.

Desired Settlement: CANCEL MY CONTRACT. I will do whatever I have to make sure everyone knows about this companies ethiecs

Business Response: I did speak to Mr. regarding the order. I believe it was is wife who entered into the agreement.  The contract was not  canceled within the cancellation period. With the information provided  for his address and telephone number I am not able to locate his account. If he would like to call and speak to myself ( ***) so we can see if we can come to a solution to get the account resolved. 

5/28/2015 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: My wife signed up for Living Scriptures DVDs and was told she could cancel the subscription service at any time. The company says we cannot cancel. I called today to cancel and was told the contract stated we could only cancel within 3 days, otherwise we would have to pay 1/3 of the balance of the 'contract.' When I asked for the contract to be emailed to me they said they would, but have not as of yet.

Desired Settlement: I don't want any more DVDs to be mailed. I do not want to be charged for anymore DVDs. I want the subscription cancelled. The contract says cancellation can be made within three days or before product is delivered, whichever is later. So I am fine with the DVDs shipped as part of the subscription. I just don't want anymore and want to cancel. If they want the 'bonus' DVD package (which is unopened) back I would be happy to ship or deliver it to them.

Business Response: I would really like to respond this issue however with the address for them I am not locating there account. If would be helpful to have Mrs first name and telephone as well as an  account number.

*** ****
Customer Service

5/22/2015 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: I was introduced to this product by a vendor in a Mall near my home. I was assured excellent quality DVD's that were completely accurate in a scriptural sense, as well as timely deliveries in a specific order. None of which has occurred. The quality is terrible, the DVD's are in no way accurate and I have not yet received them in the order specified upon purchase. Every time I try to call Customer Support and resolve the issue, nothing happens. I continue to receive them not only out of order, but I have also been charged for duplicates. I have tried to cancel, but when I do, I am given the run around as well as having issues with being reported to the credit bureaus. I am not being outrageous, I just want the product that was promised upon purchase. I have even offered to return everything, but was basically told that I am out of luck. I found them to be unprofessional and dishonest.

Desired Settlement: I would like my contract with Living Scriptures to be terminated. I don't want to receive any more products and I don't want to have to continue paying for a product that was not the product promised to me upon purchase.

Business Response: I have contacted Ms. ****** today and I will be calling her again on Friday to resolve this issue. Friday is the best time to contact her on this.

*** ****
Customer Service

3/26/2015 Advertising/Sales Issues | Complaint Details Unavailable
2/14/2015 Billing/Collection Issues | Complaint Details Unavailable
12/4/2014 Advertising/Sales Issues | Complaint Details Unavailable
10/24/2014 Advertising/Sales Issues | Complaint Details Unavailable
10/10/2014 Guarantee/Warranty Issues | Complaint Details Unavailable
10/3/2014 Advertising/Sales Issues
9/18/2014 Advertising/Sales Issues
8/21/2014 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: My spouse and me both spoke with the salesman when purchasing the package. He repeated the terms multiple times stating that it was a one time payment and said nothing about us being charged monthly. He also didn't go through or explain the contract and we did not receive one. My wife spoke with a woman over the phone who told her of this monthly payment. If we were explained this when sold the package, we would not have purchased because we can NOT afford this monthly charge. We are upset with being conned into something that we weren't told about. It was a dishonest sale and we are also upset about the way we were treated when explaining this to another woman over the phone. She stated that it was what we agreed to and that there was nothing she could do unless we wanted to pay 1/3 of over 2,000 dollars for early termination.

Desired Settlement: DesiredSettlementID: Other (requires explanation) We would like our order cancelled for us being misled.

Business Response: Initial Business Response /* (1000, 7, 2014/08/11) */ Contact Name and Title: *** ****** Customer Service Management Contact Phone: XXX-XXX-XXXX Contact Email: *** Living Scriptures has reviewed this customer's case. I spoke with the customer and have resolved this issue. Living Scriptures has agreed to close the customer's account with the return of the bonus items.

7/28/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: The product is not what I was told it would be. On March 17th 2014 my family and I were at the Fashion Place Mall and we were approached by a woman representing The Living Scriptures Inc. and she emphasize on how important it was to teach our children of the scriptures and their meaning, and how we cant put a price on how important it is to have it in our lives. We were told that the set of movies were full length movies, had the quality of Disney movies, and were great for entertaining my 12 year old. We were told that we would recieve free bonus movies if we signed up that day and that we could cancel anytime if we were not satisfied for any reason. So we signed up for 63 movies for $2,352.13, we paid $64.02 for a down payment which left a balance of $2,228.11. The agreement was to pay about $69.50 for 2 movies every month for about 32 months with no interest on my credit card. We signed up for the deal. Around March 23rd 2014 we received our shipment of our free bonus movies. Around April 20th we received our first month shipment of 2 movies. The movies we got were not what we had been told that they were. The movies were about only 20-30 minutes long, they were not Disney quality or entertaining for my 12 year old. They were older quality, really cheap filming and made for younger kids around preschool age. I thought I would wait for another shipment to come in to see if they were the same. So far every shipment of our 2 movies a month are the same, about 20-30 minutes and not the quality that we had been told that they were. When we received our shipment at the end of June I called the customer service to tell them that I wanted to cancel all further shipments and payments due to the product not being what we were told they would be. The Lady we talked to at customer service said that I would have to pay $600 to cancel. I told her that I was told that i could cancel anytime if i wasnt happy. The customer service rep still wouldnt cancel unless i paid the $600. I asked if I could talk to somebody else in charge and she responded that no matter what it would still be a $600 charge. I told her i would look into what else i can do and that i wasnt going to pay that. After writing this complaint with the BBB i will be sending a copy of this complaint and a written request to cancel the product to The Living Scriptures Inc. ****** ******, XXX-XXX-XXXX ******** June 30th 2014 The Living Scriptures account #********* Sales person# XXXX-X **** *** **** *****, **** ***** (XXX)XXX-XXXX

Desired Settlement: I would like to cancel my purchase agreement for all future movies and payments with The Living Scriptures with out paying the $600 fee due to the product not being what I was told it would be and I was told that I could cancel anytime if I was not happy for any reason.

Business Response: Initial Business Response /* (1000, 5, 2014/07/17) */ Contact Name and Title: *** ****** Customer Service Management Contact Phone: XXX-XXX-XXXX Contact Email: *** Living Scriptures offers two different styles of DVDs. The first is the animated DVDs. This would include the Book of Mormon, New Testament, Old Testament, and the Hero Classic series. These DVDs are only 30 minutes long. These series were made to help children understand the scriptures, and several studies showed that 30 minutes was the average child's attention span to learn the most information. To make up for the 30 minute film we have added enhanced features to the DVDs. These features include: an interactive system that can be used to get individuals viewing more involved with learning. For example, there is an adventure quiz game with three different levels that children are able to play to see how well they understand the story. They also added scripture reference mode that when turned on will pop up where in the scriptures the story is located. This allows the children to become more interactive and familiar with the scriptures themselves. There are sing-along activities included as well. ******* ***** who worked for Disney for several years, produced these animated DVDs. The second style of DVDs the Living Scriptures offers is the docudrama series. These series would be the Modern Prophet, Docudrama of the Restoration, and Visit Israel. These are the DVDs that are full-length films. They run one, to one and a half hours long. When the customer signed the agreement they signed up to receive the animated Book of Mormon, New Testament, and Old Testament series. They also signed up for the Modern Prophet series, and were given the Docudrama of the Restoration series for free. The customer is stating they did not receive the product they were expected; however, when the customer signed up the salesman gave them three DVDs. Two of them were animated and one was a Modern Prophet DVD. The reason the customer is given their first shipment when they sign up is so they can review the product during the free cancellation period. Due to the fact the customer was able to view both the animated and docudrama DVD quality during the free cancellation period, Living Scriptures is not able to cancel the contract. The customer was given free bonus material, with a retail value of over $900.00, based upon the contract amount entered into. Living Scriptures called the customer on 3/24/14 and the customer stated they understood that they were obligated to purchase the product that was ordered. Due to the companies out of pocket expense, Living Scriptures would be willing to void the contract with the early termination fee of ******** The amount remaining on this customer's contract is ********* If the customer would like to receive all products and pay the account off in full we would be able to offer a slight discount and send all product on the contract for only *********

7/23/2014 Problems with Product/Service
7/9/2014 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: A salesman sold this to my 18-yr old daughter in a mall. She was told she could cancel at any time. They took back the dvd but won't cancel contract. A Living Scriptures salesman in Provo, Utah approached my daughter in a mall. He talked her into buying the dvds. She wanted to buy just a few of the dvds. The salesman told her she could cancel at any time, she just needed to return the free dvd. She returned it, and he took it, but said she had to go online or send in a paper to cancel. She went online and then discovered that there was a huge fee to cancel....and this for receiving NOTHING! I'm sure that Living Scriptures will say that it was on the contract, which it aparently was, but unfortunately my daughter listened to what the salesman said instead. She was confused by the contract and understood it to mean that she was obligated to pay for the dvds she had RECEIVED, not 1/3 of the total price for the whole set. I think they need to add some wording to the contract to spell out specific dollar amounts and perhaps state it 3 times with the customers signatures under each warning! With the number of complaints against them all over the internet for this practice it's obvious that consumers are not understanding this part of the contract! My daughter is a new college student and does not even have a job, which I would also think they would need to verify before signing someone up for such a large debt. So, in order to save her credit rating, I will be the one who has to pay this! My husband and I were trapped into this same contract with Living Scriptures 15 years ago, and unfortunately my daughter never got the message from us to NEVER purchase from thie unethical company. It angers me to see that they are still getting away with this all these years later, preying on members of the Church of Jesus Christ of Latter-Day Saints who tend to be a very trusting community. I am making sure all of my friends will be warned about them from here on out!

Desired Settlement: I would like complete cancellation of my daughter's contract with no penalties. (Since I will be the one stuck with paying this, I think that should be my right! I already own all of the vhs movies, and don't need a second set!)

Business Response: Initial Business Response /* (1000, 5, 2014/07/07) */ Contact Name and Title: *** ****** Customer Service Management Contact Phone: XXX-XXX-XXXX Contact Email: *** I have already personally talked to the consumer and have closed the customer's account last month. The customer stated she would inform her mother this issue was resolved. Initial Consumer Rebuttal /* (2000, 7, 2014/07/09) */ (The consumer indicated he/she ACCEPTED the response from the business.) The account was closed and my daughter was released fr the contract without being charged. Thank You!

6/27/2014 Billing/Collection Issues
6/23/2014 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: Sales person agreement was different than the contract agreement. I asked specifically if I could cancel at anytime the purchase with no consequences In regards to the account #XXXXXX-X when I was approached by the salesman at my door I inquire why he knocked on my door when there is a no solicitors sign on it. His response is that he got a ward/church roster and knew we were LDS and that is why he ignored the sign. So after listening to him about the DVDs I asked him very directly that if I decided to purchase some I would be able to decide at anytime to stop receiving the living scriptures DVD with out any consequences and I would be free and clear from receiving the living scriptures DVD. However when my husband came home from deployment he did not want to receive them anymore and I have tried to cancel but I have to pay a fee for it. This goes against the verbal agreement from the salesman.

Desired Settlement: End contract without having to pay the $208.00 to get out of the contract.

Business Response: Initial Business Response /* (1000, 5, 2014/06/12) */ Contact Name and Title: *** ****** Customer Service Management Contact Phone: XXX-XXX-XXXX Contact Email: *** This customer spoke to a customer service representative on 5/29/14 and made proper arrangements for the account to be closed.

6/9/2014 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: We have requested cancellation of our account since 2011. We have tried to work with the company without any resolve or help on their end. We have tried canceling this account, opened in 2008, since 2011 when my husband lost his full time job. The company refused to cancel our account and continued to send us product, then bill us for the items sent. We would then pay that amount due, and again ask to cancel the account. The company refused to cancel our open account and would again begin sending us product. In Feb of 2012 in an effort to negotiate a cancelation we shut off our credit card with which they were automatically charging. We called and told them that every time we paid the account current they would once again resume shipping us unwanted product. They assured us this would not happen again, so we paid the balance since they were now reporting to our credit bureau we were late 60 days on a payment. They worked with us fairly well in resolving this issue until July of 2012, when they again started sending us unwanted product. Again we tried to withhold payment and negotiate a cancelation of this account without avail. My husband who was very frustrated by this and the marks they were reporting to our credit report paid the amount to try and protect our credit. This has been an ongoing argument for years. In the beginning of 2013 we spoke to a representative who was very kind and ASSURED me that by paying the last balance on the account they would not begin sending us product and the account would remain closed. At this point they had not reported to our credit again and seemed very willing to help us resolve this issue. In good faith we resolved the balance and heard nothing for a few months in regards to product, but once again in July of 2013 they sent us product. This time we refused all packages each time they showed up. However, they have still continued to invoice us, and when we pulled a credit report this week we saw that they filed a 60 day late mark against us in Sept 2013. This situation is beyond ridiculous. The point of ordering these DVD's in 2008 was to better our family and our children's education in religion, and to bring some calm into our home. This company has been infuriating to work with. I could understand if we had product in hand and had agreed to a monthly billing for the cost of the entire product, but we don't. They are a month to month ordering system and no one should have their credit affected when they can no longer afford to continue with the program and ask to cancel the account for over 4 years. We have been more than willing to talk about the situation with representatives and have given every honest attempt to clear the account in hopes of canceling it and resolving whatever payments they feel owed. But they refuse to cancel this account, constantly send us product we don't want, invoice us and then when we try to explain we have refused all packages and want this account cancelled they report to our credit that we are bad consumers.

Desired Settlement: I request that not only this account be cancelled and we are no longer sent ANY product from this company, but also that they withdraw the $81 they claim we owe for product we refused with the post office. I also request that they withdraw the ding on our credit for Sept 2012 AND Sept 2013, during which at both times we specifically spoke with their representatives about the situation and the outcome that was happening when we paid them. We were told both times that our credit would not be affected if we made those payments. In good faith we made the payments only to get bitten back in the butt by more product, more invoices and rude customer service representatives. We accept responsibility for the ding they placed on our credit in Feb 2012 since we did purposely refuse payment in an effort to resolve the issue and had not been in clear contact with them at the time.

Business Response: Initial Business Response /* (1000, 5, 2013/12/20) */ Contact Name and Title: ******* Living Scriptures Contact Phone: XXX-XXX-XXXX Contact Email: ******* In September of 2008 Mrs. ******* signed a purchase agreement with The Living Scriptures (see attached item) agreeing to purchase the animated DVDs from the Book of Mormon, New Testament, Old Testament, and part of the Hero Classics. When they originally signed the agreement, we called to verify that they did indeed agree to purchase the product that they ordered, and that they understood the obligation that they had signed into. In February of 2009 we received a call from Mrs. ******* explaining that her husband had lost his job, at that time we placed the account on hold for 60 days. After the 60 days she called in again saying that she was still not able to afford it at the time, we kindly offered another hold for 60 day. The account remained on hold from February 5th, 2008 through July 4th, 2008. Everything was fine with the account until March of 2010, and then the card that we had on file to bill the *******'s each month would not go through. We tried to reach them numerous times from March 2010- January 2011. They finally got a hold of us toward the end of January. At that time they updated their billing information, and we were able to collect payment successfully for the next 9 months. Throughout all of this time, we were never contacted by the ******** to cancel the account, or to dispute any charges. In October of 2011 the card that we had on file started to reject once again. We then received a shipment back, and we tried to call them but were never able to get a hold of them. We left several voice messages, and we also sent several letters to them along with the shipment that they returned to us. The account aged, and went into collections. In March of 2012 they sent in a check for ******* and we were able to start sending their normal shipments again. Once again we never heard anything from the requesting to cancel. From March of 2012 to February of 2013 they continued to be delinquent with us. They were sent to an outside collection agency who worked the account for two months. In April 2013 we finally received payment via check, and once again were able to start their shipments again. From April 2013 to current we have not received any payment from the customer, and they are now in collections again. We are willing to settle the account for ******** This is an early termination fee that covers the cost of the bonus items that we sent them when they first signed up, it covers their past due balance, and it also covers the cost that Living Scriptures had to pay out of pocket for commissions, etc. I am not able to remove any lates off of their credit due to the fact that they were continuously late. Final Consumer Response /* (3000, 7, 2014/01/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) The issue remains the same. The company and collections department give us two different solutions each time we have a discussion about this situation. We are being told time and again that once we pay the collection amount the DVD's will stop coming. In good faith we make that choice to pay the account current, even though we have refused the packaging as stated above and rejected the mailings. The company places us in collections when we have refused to keep the product, and will send the product back several times in an effort to get us to give up and keep it. In 2011 my husband again lost his job and we refused the product in an effort to negotiate with them the close of this account. We had no money to pay the account current at that time and accept responsibility for the late fees and credit hits we did take at that time. In March 2012 we spoke with the collection agency, who we assumed directly represented LDS Scriptures based on the detailed information and promises made about the resolve of this account. They assured us that if we paid the past due amount in full that the account would no longer be past due, that the account would close and we would no longer receive product in the future. They advised that should we receive more product that refusing the product should result in a refund to the account balance and hence keep us out of collections. We followed this advice, assuming that what they told us would be kept as promised. By Feb of 2013 we once again were sent a bill by collections for an outstanding balance. And April we 2013 AGAIN we were assured by them that if we paid the balance the DVD's would NOT resume. In good faith again we paid to close this account in good standing. We have refused every package sent, and now have an invoice by collections yet again for over $200 of supposed late fees and product cost we owe. We have no product. We have been told time and time again that this account would be resolved when paid and the disks would not continue. We have in good faith, many times, listened to their council and tried to make sure the account was left in an honest standing by paying an owed balance and returning any unwanted items. When we signed the contract in 2006 we could have in no way foresaw the unsurmountable financial hardships that would occur and continue to follow our family just a few short years after entering into this agreement. Not a single time in all this discussion about the account and our desire to close the account has there been mentioned an early termination fee or the option to simply close the account by paying such fee. We certainly would have chosen that route years ago had it been offered instead of dealing year in and out with shipments we don't want, bills for things we haven't kept, false claims on our credit for bogus bills. It is very bad business practice to make absolutely no exceptions to a contract and to only now when the BBB is involved offer this early termination fee option. The only thing they are wanting to collect is the monies with which they hoped to profit off our monthly subscription over the upcoming years. To accept the terms of the settlement makes no sense to us at that amount. One, we should have no current balance. Two. The business practices and promises made have been unethical and dishonest. And I do not accept that they are unwilling to adjust the false statements they have reported to our credit bureau. I take/took full responsibility for the prior years late marks, but we had done nothing but try and leave this account with a $0 balance by refusing product all year and trusting the word of the collection agency. At this point it feels like we have been bullied by tactics and lies to collect money from an already struggling family when now you're saying all along we could have paid an early term fee and ended this. Final Business Response /* (4000, 9, 2014/01/15) */ We understand Mrs. ******** frustration however, over the course of the last few years it has been close to impossible to get a hold of her. Every time we have tried to contact her we have not been successful. The reason she was never offered an early termination fee prior to contacting the BBB, was because 1. She never contacted us trying to cancel, 2. every time we contacted her regarding the shipments she was sending back we were not successful. She stated that she was told after she paid off the portion that was in collections that she would not be sent any DVDs, but that was not from somebody in our office. If an obligation is signed with our company, and you are sent to collections, once the collection payment is paid the account is then active again. The account has been overdue since July of 2013. During this time we have sent several letters, and called numerous times. We were not been contacted until December 8th 2013. During this call she stated that she was told by the collection company that no shipments would be sent after she made a payment, and then a shipment was sent. The call was escalated to a manager, and when the manager called the customer back nobody answered, a message was left, and. we have not heard from them since. We have never reported inaccurate on her credit, therefore I am not able to remove any lates from her credit. We are willing to settle the account for ******** If arrangements are made to pay the early termination fee no more DVDs will be sent, and as soon as it is paid we will close the account completely. Consumer Response /* (3000, 16, 2014/05/20) */ As of today we received yet another collection attempt from Living Scriptures, now double the original amount discussed here in the dispute from an outside creditor. I was told by the collection company that they filed this collection attempt AFTER this BBB case was discussed. At this time we have still not received the promised settlement later/offer from Living Scriptures. Business Response /* (4000, 18, 2014/05/22) */ The customer has not contacted Living Scriptures since January 8, 2014. We did offer to settle the customer's account for ******* on January 15,2014, but the customer never made arrangements to settle the account. We sent the customer a letter on January 15, 2014 stating that we have tried to collect payment and are willing to set up a payment plan. The customer failed to contact the company and allowed her account to pursue the collection process. The account was sent to an outsource agency March 18, 2014. The customer did pay the past balance due with the outsource agency. If ***** would like to settle the account, we would be willing to close the account and report the account as paid for ******** The customer needs to speak with our customer service department within 30 days if she would like to accept this offer.

5/29/2014 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: They don't mention in the sales pitch you are OBLIGATED to buy 55 (yes, FIFTY-FIVE) DVDs (OVER $2,000 WORTH!) At no time during the sales presentation was there given an amount of DVDs that would need to be purchased. ONLY AFTER TALKING TODAY TO CUSTOMER SERVICE did we find out we are OBLIGATED to buy 55 DVDs at approximately $40 charge per month (including tax and shipping) equaling $2,200!!! The DVDs come in sets. My thought was to purchase one per month and send it to a grandchild (of which my husband and I have 34) for a birthday or a Christmas present. The way the DVDs are set up in sets, if a set were to have 6 DVDs in it, that would be a gift worth $234. Where it would have been a bit of a stretch for us financially to give 1 DVD to a child as a gift, there is no way possible that we could afford to give each child a gift worth $234!!! If we were young and starting our family, we would/could/SHOULD be interested in this program to purchase this in sets for our children. When my daughter asked the salesman how many DVDs would need to be purchased, HE DODGED THE QUESTION AND NEVER GAVE US A STRAIGHT ANSWER! I find this a deception in sales tactics a disgusting way to do business. Certainly he knew it was 55! Certainly he knows that the billing comes to over $2,000! HONESTY IS THE BEST POLICY, don't you agree??? My husband and I are retired and living on limited income. We have never been rich people and our current income is NOT better than our working incomes. Finding out about this "reality" causes distress in our budget and in our trust for a company that preaches the tenets of the Church which are good and they turn around and are deceptive. All I ask is to be released from this contract. Deception does not go over well with me. It would have been nice to work with a salesman who would give me something I could really USE, rather than just being excited to finally make a sale. Thank you for any help you can give us in settling this matter. I wasn't presented with full disclosure when I signed the contract. Sincerely, ***** ********

Desired Settlement: We would like to send back everything that came in the first shipment, everything we received from the salesman at the Easter Pagent in Mesa, and be released from ALL obligation entirely. THANK YOU ***** ********

Business Response: Initial Business Response /* (1000, 5, 2014/05/20) */ Contact Name and Title: *** ****** Customer Service Management Contact Phone: XXX-XXX-XXXX Contact Email: *** The salesman contacted the customer by phone. This issue has been resolved by the salesman and customer.

5/27/2014 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: Salesman, used dishonest and forceful tactics to push me into signing a contract that was not consistent with what he assured me I understood. What I experienced with Living Scriptures this was nothing but dishonest, shady, and if not down right illegal, it most definitely should be. (P.s. I am not the only one this has happened to.) A salesman came into my home and gave me his sales pitch. I wanted my kids to enjoy learning the values and stories found in the DVDs and so I decided to sign up. I was very thorough in asking the salesman questions, trying making sure I knew what I was signing up for. I asked several times about cancelation policies and any other fine print items I should know about. He assured me several times that I understood correctly, that I could cancel after three days, with nothing out of pocket, and could cancel after that time as well, with no penalties whatsoever, I just would not get a refund on the $37 sign up fee and could not return any items I had received up to the time of cancel. During his presentation, he received a phone call from his "son" saying he needed to come pick him up as soon as he could. He then gave me the contract papers to sign, which is over 70 paragraphs!, and I continued to do my due diligence, reading over everything. He began rushing me, assuring me that I understood everything and it was just logistics we had already covered. I still kept reading and again he said, "please, I've got to go, you can just sign, we've already gone over everything." Feeling like there might be some emergency regarding his son, I quickly signed, confident that with all my drilling and questions, I knew what I was purchasing. A few months and only a few dvd's into the contract, my husband and I were going over finances, felt we wanted to cut some things from our monthly expenses and decided to cancel our subscription. I went to Living Scriptures offices and told them I needed to cancel and they said the only way to do so was to pay 1/3 of the full amount of the $2000 + contract, so almost $700! I told them that the salesman had told me a completely different story. They didn't care one bit. I asked to get in contact with the salesman and they refused to give me his information. I begged, pleaded, threatened to file with the BBB, again nothing. All they kept coming back to was that I signed the contract and they are under no obligation to change the terms. I asked where in the contract it said I would owe $700!, even if I should cancel after say a week of service. They pointed to it and indeed, it was of the last paragraphs of the agreement. (Is it any wonder, the salesman was all but shoving the pen into my hands before I could finish reading??) I told them I was rushed into signing a contract that was totally different than was apparently written, that I tried to read through the painfully long paperwork but was bullied to sign prematurely, based on him assuring me there were no cancelation fees. All I received was a cold, expression of annoyance from the manager and a refusal to see any wrong doing on there part. So now I am left to essentially pay $700 for three DVD 's or have my credit threatened should I refuse to pay this unjust fee and they send me to collections. I'm not sure what I can do except to let all I can know that this company hides behind the values they portray in their movies. They lure you in, building confidence that because what they are selling is worthwhile, it is a fair and honest company to do business with. In actuality, they are nothing but snakes. I have since looked into the BBB and notice that there are almost 40 complaints about Living Scriptures and many of them are mirror images of my experience. I am very interested in talking to the media about this, especially someone like Get Gephardt.

Desired Settlement: I would like a complete refund for all I have sent to Living Scriptures, as penalty to them and yet a very inexpensive alternative for them to me taking them to court. If they desire, I am willing to return all items I have received, especially since I do not feel right keeping items that were sold to me in such an unethical matter.

Business Response: Initial Business Response /* (1000, 5, 2014/05/07) */ Contact Name and Title: *** ****** Customer Service Management Contact Phone: XXX-XXX-XXXX Contact Email: *** As a company, Living Scriptures does everything they can to make sure the customer is aware of the contract. The contract is bolded on the first and second page of the contract about the cancellation policy, we make our customers initial a box next to the totals of the contract that states right next to the initial, "I understand my obligation to purchase the products circled above over time." There is also a notice of cancellation on the second page. We caps lock, bold the wording, and make the "NOTICE OF CANCELATION" in a larger font to stand out on the contract. We also call our customers up to six times to make sure they understand the obligation, if we are unable to get a hold of the customer we send a new account letter to them reiterating the terms of the contract. Living Scriptures has tried several times to work with the customer regarding her account. The customer signed a contract with Living Scriptures in January 2014. We called the customer February 6, 2014 and verified the order with the customer. In the recording the customer stated the salesman was kind and courteous, and she understood the obligation to purchase the product ordered. During the call the customer asked about the cancellation policy. We explained the early termination fee of 1/3 of the amount remaining owing on the contract and the cancellation policy. She chose to proceed at that time. This customer was very aware of the obligation she entered herself into. The customer came into our office on April 22, 2014. She stated that her husband is a CPA and that he recently had a pay decrease; hence, she needed to cancel her account with us. At that time the cancellation policy was explained to her again. The customer stated that she was not aware of that and the salesman told her she could cancel anytime without any fee. Although this contradicts the phone call in February, Living Scriptures still tried to work with the customer. At that time we offered to place the account on a 90 day hold due to her current financial situation; she declined. Living Scriptures went one step further and offered to place the 90 day hold on the account and then lower the shipment schedule to one DVD every eight weeks for an additional 6 months after the hold came off. Once again, the customer was not satisfied. Living Scriptures offered to lower her early termination fee to only ******** which was much lower than the regular termination fee. We even offered to make payment arrangements on the termination fee. The customer was given bonus material that exceeded the ******* amount, but once again she was not satisfied. Living Scriptures has done everything we possibly can to help this customer. Before the customer left she said that she would like to do the 90 day hold on the account. Although this customer explained that she would bully the company online until we cancel her account with no fee, Living Scriptures is willing to honor our options provided to the customer if she would like to resolve this within 47 days. Initial Consumer Rebuttal /* (3000, 7, 2014/05/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) It is quite telling that Living Scriptures is very careful not to disclose that their salesmen consistently lie and deceive their prospective customers about the contract. If Living Scriptures did in fact "do everything they can" to make sure the customer is aware of the contract as written, they would make certain that they employed honest and ethical employees that do not lie through their teeth, simply to make a sale. I asked several times about the cancelation policy and the salesman assured me that I could cancel any time, with not penalties or fees. I proceeded to read the contract and then he rushed himself out the door before I could get to the bottom, which conveniently is where it states that there IS in fact a fee. He, in my opinion, cried wolf saying that he needed to leave; that he needed to pick up his son and once again assured me that the written contract was the same as what we had discussed. They mentioned the call in February where they insist I understood the contract as written and that my complaints now contradict that understanding. What I told them that I understood was the contract that was assured to me by the seller. The call was a question and answer call, where they inquired about the seller, if he was polite, etc and asked if I understood the contract. I again asked about the cancelation and they talked about the fee. I was undoubtedly confused because I was being told two different things. I continued with the call, assuming it was me being confused with what they were saying because again, I had been assured time and again that I would not be required to pay a cent to cancel. And REGARDLESS, they make it sound like they gave me an opportunity to get out of the contract when in fact their phone call was a MONTH after I signed up, so PAST the three days that I could have canceled with no penalty. I have never told Living Scriptures that I would "bully" them online until I am released from the contract. I did inform them that I would be filing a complaint with the BBB and seek to get a hold of the media. My sole purpose is to let others know of the marketing ploys this company is willing to subject customers to. I would have hoped that a company selling products of morals and values would sell them with the same standards their videos promote but I naively was wrong and simply hope others learn from my experience. A compromise that i would accept would be for me to be free of this 5 +YEAR contract without paying this outrageous fee. (Which I assure is not the company's cost of the bonus material I received.) I offered to return the bonus material, which has never been used, and they refused. If clothing and other stores can take returns with nothing but a receipt, there is no reason why I shouldn't be able to return unused and unopened products. My initial request was for a complete refund, including for items I had received, but I will settle for just a split from all future payments. Final Business Response /* (1000, 16, 2014/05/22) */ Living Scriptures trains our salesmen extensively. We have a program that keeps track of all salesmen complaints, so that we can make sure we only keep salesmen that are honest. This particular salesman has sold to 437 customers, and has only had 2 complaints. The company has tried to work with this customer, but she is unwilling. We will honor our offer made previously to the customer to settle the account for only ******** This offer is available until June 23,2014. Final Consumer Response /* (3000, 18, 2014/05/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) A criminal may only rob a bank 2 times, they are still a criminal. And 2 formal complaints does not mean it has only happened twice. Regardless of the number, a company should not accept a single incidence of dishonesty. Standing behind your dishonesty and accusing the customer of wrongdoing is beyond insulting and contrary to any successful business practice. Your B- rating with the BBB (if it hasn't dropped from there by now ) proves there is faulty business dealing going on within the company and it will never be recovered without owning up to your actions. It is possible to maintain a business while being ethical. (Lowering your prices and selling them in stores for example) You have a great product. Don't let your negative actions lead you to go under when many more can benefit from the lessons your videos teach.

2/11/2014 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: We were not informed that this would be a "loan". We have a debt on our credit that we feel is illegal to place with no product to show for it. In September of 2012 we were stopped by a sales representative at the state fair regarding the Living Scriptures. We stressed to the young man that we were not in a financial situation to purchase the dvd's. As the conversation went on, we felt like we had no choice but to sign up, he told us that it would cost 38.00 per month and we would pay after we received the dvd's. We went ahead and signed up to receive the videos and have struggled financially since. We have called numerous times trying to find out if we can get out of the contract and that was when we were told we had to pay a third of the loan. This is where I got confused. No one loaned us money, nor did we receive 1800.00 worth of dvd's. We were not aware that this was something that was going on our credit. Due to the loss of a job and medical circumstances we have had to suspend the account two times, Our suspension is now over, we owe for two DVDs, which we have been unable to pay for ($78.72). In December we lost a baby and I am still unemployed. My wife has since had her hours cut and we really cannot afford to continue buying this product. We called on January 21st to try and come up with a solution of some sort that could help us. We asked if we could send back what we have already paid for, including the two that are unpaid, I was told "I understand mam that you can't pay for this but there is nothing I can do". The conversation went back and forth in argument. We tried to come up with every solution we could so that we were not going to be screwed and we weren't going to hurt them. She told me that the only way to get out of the contract was to pay 1/3 of the balance. The thing I don't understand is how is there an 1866.00 balance when we have not bought all the DVDs in the collection. So we said "we'll pay 1/3 of the 1866.00 but we want 1/3 of the DVDs". The customer service representative told me that with the payment of 1/3 they awe unable to give DVDs because it affects them. I also do not understand what the loss is? We refuse paying money for something we do not even have. We don't understand how we owe all this money with nothing to show for it. We understand we owe 78.72 and we are trying to get the money to pay for them. We feel like we are being victimized in a fraud. This whole thing seems unfair and illegal to do. The reason we have filed this complaint is because we have tried everything we can to resolve of us this huge financial burden. We by all means did not realize that this was something on our credit nor did were we informed that this was a "loan".

Desired Settlement: Ideally we would like to send back the DVDs we have received and request no refund. We will pay the shipping and pay the 78.72 for the DVDs we've received even though we will be sending them back. The other option we will agree to do is pay the 1/3 of the 1866.72 but want a 1/3 of the DVDs promised when we pay.

Business Response: Initial Business Response /* (1000, 5, 2014/01/30) */ Contact Name and Title: ****** ******** Contact Phone: XXXXXXXXXX In September of 2012 when Mr. ******* signed his purchase agreement that he feels he was pushed into, he had a cancellation period of 3 business days that he never turned in.We spoke with Mr. ******* on October 1st, 2012 to verify the account. During this process the customer is asked a series of questions, one including "you understand that this is an obligation, and you are obligated to purchase the product you ordered?" When asked this question he said "yes". The reason it shows as a debt on his credit is because he agreed to purchase what he signed up for which was approximately $2089.41. This amount includes tax, and shipping costs. On the purchase agreement that they signed under number 13 it explains needing to pay for a third of the balance if they cancel. The reason we charge a third of the balance, and they do not receive any more product is because, that amount covers our out of pocket expenses (free items, commissions, etc.) We are not able to accept any of the free items back due to the fact that it is a year and a half old. We are able to accept $****** for the cancellation fee. We can split this up into 6 payments of $******. There has been no payment on the account since March 2013. We have put the account on hold for them and the account is currently getting prepared to go to an outside collection agency. Initial Consumer Rebuttal /* (3000, 7, 2014/02/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is not a suitable result. Final Business Response /* (4000, 9, 2014/02/07) */ We were able to reach the customer by phone. A resolution that was accepted by both the customer and Living Scriptures was made at that time. This complaint has been resolved as of 2/7/14. Thank you. Final Consumer Response /* (2000, 11, 2014/02/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) Agreement has been met.

1/31/2014 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: Salesman told me that I could cancel at any time. Now that I've called to cancel, I'm told that I'm obligated to pay a cancelation fee. Salesman told me that I could cancel at any time, but that the company prefers that I stay and pay for at least 1/3 of the product to cover the "Free" offer. He went as far as stating that I could receive the product in a specific order and cancel when I was satisfied with what I had. Now that I've called to cancel, I'm told that I'm obligated to pay a cancelation fee without receiving anything in return. I've paid over $1100 to this company for material that was made over 25 years ago. I shouldn't have to pay to stop delivery of this product. If the salesman had been honest up front, there wouldn't be a problem. But this company knows that if the salesmen were honest up front, nobody would sign the contract. It's disappointing to know that there are such dishonest people selling religious content.

Desired Settlement: I would like this account to be closed as I had been told it could. I have paid more than enough money for what I have received.

Business Response: Initial Business Response /* (1000, 5, 2014/01/10) */ Contact Name and Title: *** Customer Service/Collections Assistant Manager Contact Phone: XXX-XXX-XXXX Contact Email: *** To Whom It May Concern: *** and ***** signed a purchase agreement on 8/13/12, which I will provide for you as an attachment. On the purchase agreement you will see that above their signature on the first page and the second page the "Buyer's Right to Cancel portion" is bolded. This portion explains that a three-day period is given to cancel the product. There is also a box on the first page that has ***'s initials that states, "I understand my obligation to purchase the products circled above over a period of time." Living Scriptures also confirmed the order and the obligation over the telephone on August 31, 2012. As stated in the purchase agreement under term 13, the customer may pay one-third of the remaining amount owing on the account if they choose to refuse the product ordered. The amount remaining on ***** and ***'s account is $459.55; hence, to relieve themselves from the obligation they would need to pay $153.00. Living Scriptures bolded the cancellation period on the purchase agreement both individuals signed, had an initial box verifying the obligation, and also verified this agreement by phone. Due to these circumstances we must honor the obligation and the agreement made on August 31, 2012. If *** and ***** would like to receive the product and pay the account off in full, we would offer a slight discount. Instead of the $459.55 on the account they would be able to receive all of the remaining order and close the account for $420.94. Sincerely, Living Scriptures Final Consumer Response /* (4200, 15, 2014/01/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is unacceptable. I am currently in discussions with the Nevada and Utah Secretary of State trying to find a solution to a company sending an unlicensed solicitor to my door and lying to me to get me to purchase a product. If this path doesn't work, I will consult a contract attorney to settle the matter. As I have said before, I will not give any more money to this company. They should be ashamed of the way they do business. Eventually, it will catch up to them, and they will have no business. Final Business Response /* (4000, 13, 2014/01/29) */ I do not know how to stress enough that *** never told our company when we called to verify the agreement that she thought that she could cancel anytime, nor that she was told something different then what she signed and agreed to on the paperwork. We ask our customers during the verification call, ''Do you understand you agreed to purchase the product you ordered and that you are OBLIGATED to do so?'' *** stated that she understood the obligation during that call on August 31, 2012. She also signed several places on the paperwork that explains the cancellation policy. Due to the information provided we are not able to cancel ***'s agreement without an early termination fee. Like previously mentioned, we would be willing to close the account with the early termination fee of $150.00. I am able to split this early termination fee into three payments of $50.00 each. These payments will need to be arranged with our customer service department. If the termination fee is made in one payment I would be willing to close the account for $120.00. This offer will only be honored until February 21, 2014. This is our final offer.

1/16/2014 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: Salesman gave misinformation of cancelling order. Salesman offered to cancel order but manager did not allow. On Dec.11, 2013 I went to Beehive Bookstore in Calgary, Alberta and I was approached by a salesman (*****) from Living Scriptures Inc. He offered several no obligation free gifts as anyone received them if they came to the store that day. The salesman spoke of a great deal that they were offering in Canada. He then asked which DVDs I'd be interested in and I told him which DVDs I would possibly be interested in. He stated if I ordered 1 DVD a month they would include more free products. I asked to know the cancellation policy. The salesman said that there were no issues with cancelling your order at any point or time. The only thing he related was, "make sure you don't cancel in the next few weeks because then they'll think you only signed up to get the free stuff." I confirmed with the salesman by saying, "so I can receive my DVDs and later if I choose I can cancel with no penalty?" Again the salesman agreed and shared a personal experience of a relative who cancelled and there was no issue. The salesman filled out the order and asked me to fill in the address boxes so that the packages would be sent to the right house. He circled categories that I would be interested in, asked for my credit card, and had me sign the order form which he stated only outlined what he had already related to me. On Dec. 30, 2013 The Living Scriptures Inc. called to confirm my order. I confirmed that I would be receiving 1 DVD a month for $30.00. I then asked to confirm what I was told by the Salesman that I could cancel at any time with no penalty. The staff member informed me that there is indeed a penalty that was over $1000.00. I told her the salesman stated that there was no cancellation penalty. She apologized that I was told that and it was incorrect what the Salesman had stated. She continued that with the signed contract there's nothing she can do nor could I. She did offer for me to speak with the salesman. I told her that that wouldn't help due to the salesman giving the misinformation. I then offered to return the package of free gifts received that day in the store at my own personal expense, cancel the order, and not have to pay the inflated penalty. My plea was unaccepted and I was instructed to accept their decision despite my disagreement with such. The conversation then ended. It should be noted that I had still not received any products from them and that Living Scriptures Inc. had charged my credit card $38.99 at this point. On Jan. 3, 2014 I spoke to a manager to explain the circumstance. I again offered to return the free promotional items at my own expense, and redirect any products that came in the future back to them. The manager then asked to have the salesman on the phone. We began a conversation on the phone which now included the salesman in addition to me and the manager. I explained to the salesman about the misinformation regarding the cancellation policy and how I wasn't informed of such by him on Dec. 11, 2013. The salesman openly admitted that he had made a mistake in what and how he presented the offer. The salesman offered a solution to return his commission, if I would mail all the promotional gifts back including any future products. They then could terminate the order. I agreed to this. The manager did not agree insisting I pay $627.00 and asked if I was happy. I informed them I wasn't and reiterated that they had misrepresented their agreement. The refusal to find any resolve with the exception of myself paying additional funds above the $38.99 which was now charged to my credit card, brought cause to end the conversation. On Jan. 6, 2014 the free promotional items received on Dec. 11, 2013 were sent back to Living Scriptures Inc in their original packaging and condition at my expense. I have also requested that the misrepresented contract be terminated as Living Scriptures Inc. failed to disclose and withheld certain contractual obligations.

Desired Settlement: I am looking to have the cancellation of the order and have no further financial obligation to Living Scriptures Inc. whatsoever in any amount or form.

Business Response: Initial Business Response /* (1000, 5, 2014/01/15) */ Contact Name and Title: ****** ******** Contact Phone: XXXXXXXXXX Contact Email: ******* On December 30, 2013 Mrs. ****** was contacted by The Living Scriptures to verify her order. During this call we went over everything. At that time we verified everything that she had ordered, we verified that the salesman was polite, and we also verified that she understood that this was an obligation. She did tell the representative on the phone at that time that she may not have fully understood the obligation. She was then asked if she wanted to be transferred to the salesman to resolve the issue. She said no, that it was ok and she would continue with the agreement. Several days later on the third of January, she called in again saying that she could no longer afford our product due to a sewer line breaking in her home. She was offered to speak to the salesman again, which we normally only allow on the initial verification call, but the manager was lenient with the customer and allowed the call to be transferred. After the salesman had talked to customer he called us back and stated that she did understand the obligation, however there were some unexpected finances that came up and she was not going to be able to afford it anymore. He had mentioned that he was ok with cancelling that account, but that it was in fact a valid account. After our representative was finished talking with the salesman, they then added Mrs. ****** to the call. At the time she agreed that she would continue paying monthly for the DVDs, and that would be fine. She was offered to cancel the account if she paid an early termination fee of $627.00 if she returned the bonus items. She did not want to take advantage of that, she was also offered to pay the account in full, which she almost did. On December 7 her Mr. ****** called in upset that we were not cancelling the account. The manager that he spoke to explained to him that terms of the agreement and what his wife had agreed to. He said that he wanted it cancelled. The manager at the time wanted to verify that the reason that they wanted to cancel was because a sewer line broke and it was going to cost them $25,000. When we told him this he had no idea what we were talking about. He insisted that the account be cancelled, so we cancelled it due to the fact that the salesman agreed to cancel it in the first place. The account has been cancelled, and the Walkers have no money owing to The Living Scriptures. Final Consumer Response /* (2000, 7, 2014/01/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) We accept the response by having our account cancelled and no money left owing. We are also happy to know that a great number of people and businesses are now made aware of the practices of The Living Scriptures Inc. within our local area and surrounding areas as well, in order to avoid such continual misrepresentations presently and in the future by them and their salespeople.

12/27/2013 Billing/Collection Issues
10/3/2013 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I got a bill from Living Scriptures for $285.95. This was not the amount I had authorized. I authorized $74.15 and already paid it (bank statement attached). I have tried many times to call Living Scriptures at XXX-XXX-XXXX and X-XXX-XXX-XXXX and while I get to the automated system, I can't get to a person to ask what is going on. I'm very happy with Living Scriptures and I hate to have to file a complaint, but I really need to make sure this is resolved because I want my account to be in good standing.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Please clarify what the additional $285.95 charge is for. Thank you.

Business Response: Initial Business Response /* (1000, 5, 2013/09/17) */ Contact Name and Title: *** Customer Service/Collection Assistant Manager Contact Phone: XXX-XXX-XXXX Contact Email: *** I spoke with ***** today and this issue was resolved. ***** will have a $0 balance due on his account and will not receive anymore product unless a new order is placed in the future.

9/26/2013 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: The company will not allow me to discontinue their service, even though I was assured by the salesman that I had the right to do so. When I purchased the subscription to the Living Scriptures DVD's in February of 2013, I specifically asked the salesman whether I could cancel my contract if needed. He assured me that I could. It has been over 6 months since I signed up and I called to cancel, but was told that I signed a legal contract that required I pay entire amount of over $1700. If I wanted to cancel, I would be penalized by having to pay 1/3 of the remaining balance. My husband is having surgery on the first weekend in October, and I cannot afford to pay over $500 to cancel. I asked to speak with a supervisor. She (I believe her name was ********* spoke to me about the fact that the company called to verify my account and that they (the company) writes their contracts in large print to make sure people know what they are getting into. I explained that when someone says "You are obligated to pay", I understand that as meaning that I must pay for the products I receive. The so-called "verification call" was nothing more than another sales call where they tried to give you a discount if you paid for all the DVD's at once. This did nothing but verify the fact that I had the opportunity to cancel, because why would a company offer you a discount if you pay in full, when you are required to pay in full no matter what? It doesn't make sense. The supervisor was helpful and offered to only charge me $280 to close my account. I find that amount still far too much. I understand that I was given some free DVD's when I signed up. I offered to send them back, but was told that they had been in my possession too long, even though several of them are still in their plastic wrapping. I do not believe that I should be obligated to pay this $280 because the salesman ASSURED me that I could call and cancel if need be. The Living Scriptures should take responsibility for the actions of their sales team and allow me to cancel my subscription. I would be willing to pay for the shipping for the free DVD's we received.

Desired Settlement: My charge of $280 is set to be charged on September the 23rd. I do not authorize this charge to be taken from my bank account until the my complaint with the BBB is addressed. I am more than willing to pay for any shipping costs for the free DVD's I was sent when I signed up, but I am not willing to pay any more than that.

Business Response: Initial Business Response /* (1000, 5, 2013/09/20) */ Contact Name and Title: *** Customer Service/Collection Assistant Manager Contact Phone: XXX-XXX-XXXX Contact Email: *** To Whom It May Concern: ******* did sign a legally binding agreement, which was already explained to her. The verification call once again goes over the obligation. Living Scriptures did not try to sell ****** any other product at the time of the verification call. During this call we go over the address, the amount of DVDs on the purchase agreement, if the sales person was kind and courteous, if she was left with a copy of the purchase agreement, and we also ask "Do you understand that you agreed to purchase the product you ordered and are obligated to do so?" ******* said "yes". She understood that she was obligated to purchase the product that she ordered. Living Scriptures does offer a discount for paying accounts off in full rather than continuing to receive the DVDs monthly. Several customers are unaware of the savings amount and decide to take advantage in savings when that is mentioned. We were offering ******* a discount to payoff the account in full, not offering to increase the amount she had already ordered. ******* received over $500.00 worth of free product, and we are unable to resell that product because it is in her possession for so long. Having another loyal customer pay for product that was previously own at the price of new product is unfair, and we refuse to allow previously owned product returned. Our policy to return product is 60 days unopened and unused. *******'s bonus product is well past that time period. *******'s early termination fee would normally be $587.00. Living Scriptures was more then generous in lowering the early termination fee to only $280.00. The early termination fee covers Living Scriptures out of pocket expenses, and we are unwilling to take a larger "hit" for *******'s change of mind. The offer to settle the account for $280.00 is only honored until 10/11/2013 as explained in a previous email. After that date ******* will have to pay the early termination fee of $587.00. We no longer have *******'s payment information because she voided the transaction. If she would like to make payment she will need to call into the office during normal business hours and speak with a customer service agent. Sincerely, Living Scriptures Final Consumer Response /* (3000, 7, 2013/09/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) The issue is that I specifically asked if I could cancel my contract and was given a clear "Yes" by a Living Scriptures employee when I purchased. When you ask "Do you understand that you are obligated to purchase the product?" That means that I will pay for the merchandise that I receive. It in no way implies that I am required to buy ALL the products if I do not wish to do so. If I am required to buy all the products once the contract is signed, then why call later and offer a discount if I pay the entire contract all at once? That approach clearly implies that I have the option to cancel. I no longer wish to receive the Living Scriptures DVD's and therefore do not wish to pay for more DVD's. That is the contract that I agreed to. If Living Scriptures failed to properly train their sales staff, then the fault lies with them. I am certainly not the first person to have this problem with Living Scriptures, which is why the follow-up call was instituted. The problem there is that it really is just another sales call to get all the money at once. I do not recall ever hearing the phrase "If you cancel your subscription to Living Scriptures, you will be required to pay 1/3 of your remaining balance to do so." If you want people to understand that they can't cancel without penalty, stop speaking "legalese" and say just that! Of course I am obligated to purchase the products I buy, but if I don't want to buy them anymore, I don't want to pay for them. Asking me to pay almost $300 for DVD's is ridiculous! It is too much, even if the absolutely outrageous cancel fee was almost $600! I refuse to pay that amount for something that costs less than a $1 to manufacture. I understand that there are employees to pay, but at $40 a DVD, your profit margin should be just fine. It's your sales practices that need adjustment. I would take this BBB complaint as an opportunity to understand that you are still being unclear with your sales employees. It doesn't matter that the print on the contract is bigger. It doesn't matter that you call after to "verify". What matters is that I was TOLD a clear "yes" when I asked if I would be able to cancel. I do not ever sign up for anything that I cannot cancel if needed. That thinking is what causes people to get in a financial bind. If an emergency happens, I want to be able to cut back costs and redirect the flow of our income in what way is needed. Therefore, any time I sign up for a service, whether it be a gym membership, a magazine subscription, gymnastics classes for my kids, or Living Scriptures, I ask if it can be cancelled. I always make sure I can cancel! I asked, Living Scriptures said "yes". Your employee's mistake should not cost me $300-$600. That's just bad business practice. Final Business Response /* (4000, 9, 2013/09/25) */ To Whom It May Concern: We have tried to work with ******* and lower her termination fee more then half the amount we typically charge. The facts are that ******* signed a legally binding agreement and also verified the obligation over the phone. During that phone call she said "yes". She did not ask if she could cancel anytime, nor did she mention that the salesman said that she could cancel anytime. If ******* was told she could cancel anytime why would she not mention that when we asked if she understood she was under an obligation? ******* signed in two places that very clearly, and in bold, explains the three day cancellation period. The purchase agreements also have a box that the customer initials right below the totals that states, "I understand my obligation to purchase the products circled above over time." The agreement is VERY clear she is under obligation to purchase the product she ordered. We would not put that on an agreement if there was an obligation to only part of the order. Offering a discount to pay an account off in full does not imply that the customer can cancel. As ******* is aware unexpected events occur. Offering to pay an account off in full when finances are in a customer's favor is a practical business approach. This prevents future bad debts and collection costs. Many companies offer a discount for purchasing large amounts of product up front. Living Scriptures has been more than compassionate and lowered the normal termination fee by more than one-half for *******. Once again, the amount of $280.00 is only honored until 10/11/2013. A written and verbal agreement was made, and we are already taking a loss on the early termination fee. Living Scriptures is unwilling to lower that amount any lower. The $280.00 termination fee honored until 10/11/2013 is our final decision. Living Scriptures is unable to just close every customer's account that falls into hardship. Living Scriptures understands rough times happen to everyone, but ******* made a commitment. Our company has tried to work with *******, and we have been more then fair with drastically lowering her termination fee. Sincerely, Living Scriptures

9/20/2013 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: Misleading sales representative. I personally never signed a contract. Sometime last year, I met with a salesman and was given the opportunity to buy some living scriptures DVDs. He went over all the products they had for sale and I told him I would buy the Book of Mormon series. He then went on and tried to persuade me to buy the other series and I thought that sticking with Book of Mormon was fine, but then I ended up getting pushed into buying more series and he let me choose all these free items and he told me to choose what seemed to be 9 different items. I honestly don't remember. Well, I got the DVDs and I paid for a couple of shipments. I called them to see if I could close my account and they said I couldn't. I was baffled. They said that because I'm in a contract, I need to pay in order to close my account(PXXXXXX-X). They said that I can pay in full ($3,193.92) or I can pay 1/3 of it ($1,064.64). I told them that I was unaware of this and thought I could cancel when I wanted to. They said it was stated in the contact. I have never seen nor signed a contract so there would be no way possible for me to know of this.

Desired Settlement: I would like to terminate my contract with living scriptures. I wish that I was informed that you are unable to end your subscription. If it were possible as well, I feel that it would be beneficial to Living Scriptures if their sales representatives notified their customers about the termination guidelines.

Business Response: Business' Initial Response /* (1000, 5, 2013/09/17) */ Contact Name and Title: *** Customer Service/Collections Assistant Manager Contact Phone: XXX-XXX-XXXX Contact Email: *** To Whom It May Concern: Living Scriptures, Inc. will provide a copy of the agreement that was signed on June 18, 2012. Living Scriptures also called verified this agreement with ***** by phone, and we verified that ***** understood the obligation of this agreement on July 3, 2012. No issues or concerns were brought up at that time; we even when asked if the salesman was kind and courteous. ***** received over $800.00 worth of free items, which were based upon the amount of product ***** agreed to purchase. *****'s account is now past due and ready to be sent to an outsource collection agency. We did not hear from ***** regarding any issues on her account until August 6, 2013. We had sent several letters previously stating the account was past due, but she chose to not respond to any of those letters. The early termination fee strictly covers Living Scriptures out of pocket expense. In order to terminate the account, ***** would need to pay the $1,064.00 that was previously mentioned. The agreement ***** entered herself into is a legal binding agreement, and Living Scriptures has to go by the agreement. We understand that ***** says that she never signed an agreement. If ***** is able to provide a copy of her driver's license or another government issued ID that was signed prior to September 2013, we are willing to look further into the issue to determine if there is another alternative. Otherwise, Living Scriptures is unwilling to take a loss for ***** changing her mind. Sincerely, Living Scriptures Consumer's Final Response /* (2000, 7, 2013/09/19) */ (The consumer indicated he/she ACCEPTED the response from the business.) Attached is my current drivers license. If needed, I don't mind sending a copy of my license that expired prior to July 2013. I called Living Scriptures on Friday, September 6,2013 to get a copy of my contract thinking there would be no signature, but when I saw it, I instantly knew my signature was forged, which I wasn't aware of. I am not looking to press charges nor take any legal actions against the salesman nor the company, but would like to cancel the existing contract under the name "***** ********** account # PXXXXXX-X. I will keep the DVDs I have paid for and pay off the past due amount and If needs be, I don't mind sending back the $800 worth of free merchandise. I haven't opened or used any of them.

9/20/2013 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I cancelled the account in the way prescribed by the company, it was never cancelled and I continue to receive bills for the product which I don't own I initially signed the purchase agreement with Living Scriptures on Sept. 11th 2012. It clearly states on the agreement that I could cancel the agreement by mailing back a notice placed at the bottom of the agreement or by contacting the Seller by telephone. It also states that it must be mailed before midnight on the third business day after it was signed. This was done, and I have two witnesses that can account for this, and that the product which I had received at the place of purchase was also sent back in the same envelope. Also on the 14th of Sept. 2012 I called to cancel before placing the envelope in the mail to make certain it was cancelled on time. In October I called to figure out why I was still being charged by them and receiving their product, they stated that they had never received the envelope. They then said for me to dispute the problem I would have to send in a letter to start the disputation. I did this and I tracked the letter through the Post Office tracking, and after it had been received I waited for two to three weeks before I called to see why no response was given. I then listened to the person who had received the letter tell me they hadn't received it and that they didn't have it at all. I then mentioned how I had tracked it and that the tracking showed that they received it. She then said "hold on while we look for it." I held and then she got back on the phone with me and told me she had found it on her desk underneath a bunch of stuff. She told me that they would look over it and respond, which never happened. They continued to send their product regardless of my complaint sent. I continued to send the product back. In June of 2013 because no progress had been made with Living Scriptures I went into my bank and told them to refuse any further charges from the company and that I would like to dispute all charges from them. The bank did refuse all future payments but would not dispute the charges. I now continue to receive bills for product which I do not own and a payoff amount to cancel to the tune of $1,874.70 which I should not have to pay since I cancelled within the time allotted but Living Scriptures failed to honor their end of the agreement. I have already have $262.50 charged to my card and that should never even have been there.

Desired Settlement: I wish to be left alone by the company, my account cancelled, and receive back the amount already charged to my credit card.

Business Response: Business' Initial Response /* (1000, 5, 2013/08/15) */ Contact Name and Title: *** Customer Service/Collections Assistant Manager Contact Phone: XXX-XXX-XXXX Contact Email: *** To Whom It May Concern: Living Scriptures has not received the three-day cancellation letter from *****. ***** did tell us that she mailed in the cancellation letter, but she did not have proof or a receipt. Living Scriptures did receive a letter from ***** in November 2012; however, after the review process we let her know that without proof of her canceling within the time period we could not close the account. This conversation took place December 10, 2012. At that time ***** said she would do what she can. ***** continued to receive and purchase product until May of 2013. At that time we received product back, which was resent to her with a letter explaining we could not return product because she signed a purchase agreement. May 29, 2013 ***** had Wells Fargo call and speak to a supervisor (with ***** on the line as well). ***** requested all of her money for past shipments be refunded back her. Once again it was explained that we never received the notice of cancellation. At this time the supervisor offered to close the account as is with no refund for past product. ***** refused this offer and said she would like to get an attorney involved; hence, the account was left as is and automatic billing information was taken off file. Again, June 20, 2013 ***** had Wells Fargo call again to request cancellation and see if we would still be willing to close the account as is. The representative explained the supervisor was out of town and they would need to call back and speak with her. That was our last contact. Due to the circumstances, we are willing to close the account once the past balance of $112.20 is paid. If ***** is able to send in a phone record showing that she did call on September 14, 2012 we will wave the past balance owing. We will not refund for any past payments made. We will honor this offer for 30 days. ***** must contact via phone if she would like to follow through with the option provided. Sincerely, Living Scriptures, Inc. Consumer's Final Response /* (3000, 7, 2013/08/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have the yellow carbon copy of the cut-off cancellation form in my home. I am not sure how this doesn't count as proof. I don't have a tracking receipt, because I did not purchase tracking for the item. I did not assume I would need to. I will try to get a phone record of my call from September 14th last year. However, I don't think it is appropriate for Living Scriptures to keep my money when I don't own any of their product. Business' Final Response /* (4000, 9, 2013/09/03) */ To Whom It May Concern: The yellow carbon copy is left blank, which means customers would be able to fill in a previous date at anytime. This includes anytime after the cancellation period has expired. Hence, the customer's copy of the agreement they were left would not be sufficient by itself. If there was actual proof such as a notary or even a postmark date from the post office showing that the pink carbon copy was mailed on that particular date, that would be sufficient proof for us. Also, if ***** is able to provide a phone record showing she called within her cancellation period, we would consider that sufficient proof as well. We have attempted more than once to return refused or unclaimed product, but ***** continues to have the product returned. Due to shipping cost we are unable to continuously mail back product that is refused, which was stated in the refusal letter we sent her upon receiving a bonus shipment back. Once *****'s account becomes current, or the early termination fee is made, Living Scriptures will reship any return product one more time to ***** at our company's expense. Sincerely, Living Scriptures, Inc.

9/17/2013 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: The sales person used dishonest sales practices and also used pressure methods to make the sale. ****** ********** an LSI sales person, went to our house last June 19, 2013. Before making any purchase, I told her that I wanted to speak with my husband about it before making any purchases and signing any document. I had also explained to her that I was only working part-time and I am being paid by the hour. She told me that she is fully booked and that she had no other free time to make another appointment. She informed me that I had three (3) days to cancel my order should I change my mind. She also informed me that should there be any future problems that would cause for me not to be able to pay my balance, I should inform the Living Scriptures office and they can either put my account on hold until I am able to get back on my feet and resume my account, or terminate my account and just not receive those remaining items that I haven't paid yet. She also informed me that I would be charged every 4th Friday of every month, which I thought would be okay because I get paid on a Friday. I have not read the contract before I signed it because I was under pressure since the sales person had told me that she can not set another appointment for me and she was rushing to go to another appointment at 3pm (she saw me around 2pm), but I signed it thinking that what she had told me were the ones stated in the agreement. Now my father has gotten sick and is now in need of lifetime dialysis treatment until he finds a donor to have a Kidney Transplant. I called Living Scriptures and explained to them the situation. I told them, even in written form, that I was requesting that my account be terminated because I would have to use the money and send it to my father because he needs it more. Ms. ********* ****** informed me that my account cannot be cancelled because it is pass the three days cancellation period. I told her that I was informed by the sales person that I can put the account on hold until I can resume it or request for a termination of the account and just not receive the DVDs that I haven't gotten yet. Ms. ****** still insisted that they can not cancel my account and they can only hold it for so many days and can not do it back-to-back or for an indefinite period of time. I told her that that was not what the sales person had told me. I even informed Ms. ****** that I am willing to return the bonus DVDs and coloring books that were sent to me because I have not used them at all & are still in the box. I also informed Ms. ****** that I was told by the sales person that I was going to be charged every 4th Friday of the month, which was clearly untrue. I was first billed for the down payment last July 3, 2013 (Wednesday) and then July 31, 2013 (Wednesday). I was then transferred to Ms. ***** and she told me that the most she can do is to hold my account for 90 days or she was going to charge me $677.00 if I ask for my account to be terminated. I explained to her that the sales person never mentioned about it and that what she had told me were complete lies. I asked her to put my account on hold for 90 days in the meantime, but I wanted to have my account terminated without paying the $677.00. How does the company expect their customers to respect their terms of agreement when they themselves, as represented by their sales person, do not disclose the exact terms of agreement to their customers before they come into an agreement? More so, when they disclose to the customers policies that are not even true? If a buyer has the right to read the document before he/she signs it, how come their sales person do not give the buyer ample time to read the terms of agreement before signing them and even pressures them to sign the said document? I believe that I am entitled to have my account terminated without paying the $677.00.

Desired Settlement: I want my account to be cancelled/terminated without paying the $677.00.

Business Response: Business' Initial Response /* (1000, 5, 2013/08/19) */ Contact Name and Title: ***/ Customer Service/Collection Assistant Manager Contact Phone: XXX-XXX-XXXX Contact Email: *** To Whom It May Concern, ******* willingly signed into a purchase agreement in June 2013. This is a legal binding agreement, and all of the terms were disclosed in the agreement. All customers are allowed three business days, unless the salesman extends that time period, to fully read the obligation. All customers are able to opt out within that time period with no penalty if they choose to do so. ******* did not choose to cancel her agreement during the allotted time period. We are sad to hear that hardship has fallen upon *******'s father; however, we are not able to allow her to cancel without any penalty. Living Scriptures, Inc. has paid all expenses for *******'s account up front. The early termination fee of $677.00 that ******* mentioned covers our out of pocket expenses that Living Scriptures has already paid out. $677.00 is a large amount of money for our company to just waive and lose out of our pocket because ******* has decided to no longer fulfill her obligation. Our company will do what we can to work with *******, but there are guidelines we have to follow due to the terms of the agreement she had signed. Living Scriptures would be able to split the early termination fee into six payments of $112.83. If ******* would like to make those arrangements she would just need to call our office during normal business hours. *******'s account is on hold until November 6, 2013. I have also attached a copy of *******'s purchase agreement she signed. Sincerely, Living Scriptures, Inc. Consumer's Final Response /* (4200, 11, 2013/09/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I believe that my rights as a consumer were violated, thus my refusal to pay the amount. Business' Final Response /* (4000, 9, 2013/08/30) */ To Whom It May Concern, We understand ******* felt pressured to sign at that time because the salesman would no longer be in the area; however, ******* did willingly sign the agreement because she chose to sign the agreement rather than decline the offer given. The salesman did not use physical or any other force that physically made ******* sign her agreement. ******* signed herself into an obligation, and the sell would have not been processed if ******* chose not to sign the agreement. ******* could have taken her time and read the entire agreement, but she is stating she chose to sign a legal binding agreement that states, "NOTICE TO BUYER- Please do not sign the Agreement before you read it or if any spaces intended for the agreed terms are left blank.", without doing so. Term 13 on the agreement ******* signed reads, "...Buyer shall pay to Living Scriptures, in addition to the amounts due for merchandise received by Buyer, the liquidated damages for the amounts to become due for merchandise ordered but refused by Buyer in an amount equal to one-third of the amount to become due for merchandise ordered but refused by Buyer. Buyer acknowledges and agrees that the amount which may be recovered as liquidated damages, as provided herein, is a reasonable estimate of the damages which Living Scriptures would suffer as a Buyer's refusal to accept the merchandise ordered but refused by Buyer,..." This term clearly states what I have explained regarding the early termination fee. This fee covers Living Scriptures out of pocket expenses. The bonuses and product she received is a large portion of that termination fee, but other expenses were paid out on *******'s account as well. All of the bonus product was given as a bonus for promising to purchase the product she ordered. ******* was informed of the three-day cancellation period, which she clearly states in her original complaint. Like all businesses that deal with contracts and purchase agreements, if we allowed customers to just opt out of the legally binding agreement without paying for the company's liquidated damages, the company would not stay in business. ******* failed to cancel within the time period she agreed to and has obligated herself to the agreement. Living Scriptures is willing to split the early termination fee into six payments of $112.83, but we are unwilling to close the account due to *******'s buyer's remorse. ******* either needs to complete her legally binding agreement, or pay the liquidated damages. ******* will need to call and make these arrangements with our office during regular business hours. Sincerely, Living Scriptures, Inc.

8/7/2013 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: LSI told us we could cancel at any time; now they want to charge us 1/3 the cost of the total. That 1/3 cost is not in the contract. On June 15, 2013, I signed a paper with The Living Scriptures to receive one free dvd and a sample dvd. The salesman, ****** told me that if I did not want the sample or more dvds sent to me, they would send me an envelope so I could send the dvd back to them. He also told me that I could cancel whenever I wanted to with no problem. I neglected to notify them that we decided against buying The Living Scriptures dvds within their one-week cancellation period (which time period was not made clear to me). When they called to clarify my order, I told them I needed to cancel. They told me I could not cancel because I hadn't done so in the time period they had allotted. I explained my situation, that the salesperson had misrepresented the company's practices, and the customer service representative, ********* I think) ended up yelling at me. I asked to be transferred to her supervisor. I explained the situation again, and she treated me like I was stupid. They told me I could cancel, but at 1/3 the cost of the total we had signed up for. After reviewing my contract, I found no mention of the 1/3 cost. I am absolutely unwilling to pay them $675. However, I am willing to send back any and all free merchandise they handed to us.

Desired Settlement: All I want is my account cancelled without a fee.

Business Response: Business' Initial Response /* (1000, 5, 2013/07/19) */ Contact Name and Title: *** ****** Contact Phone: XXX-XXX-XXXX Contact Email: *** We have reviewed *******'s account and have decided to close the account. We will need all of the bonus items back. If she return label she may call us for one.

7/30/2013 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: Had rep come to my house claming to be from LDS church and had me sign contract but stated could cancel at any time. No problem. Tried to cancel. Had rep come to my door claiming to be return missionary from LDS church. He showed me DVD's and asked if wanted to purchase. I was hesitant but he said no worries could cancel at any time with no hassle. So I started getting DVD's and tried to use them at my LDS church but was told could not play those dvd's because they are not done by the LDS church. I was stunned. So I decided that I wanted to cut my loses and just cancel like I was told I could do. When I contacted the Living Scriptures today I was told that I was sent a letter to confirm everything and received messages that I never responded to so they have to go by my contract. I informed them that I never received a letter which shows that I didn't bind myself to their company. I told them that my rep told me I could cancel at any time but they said I can not and that I still owe them $1573 because I was given free Book of Mormon dvd's with sign up. I told the rep that I would send back all my dvd's and wanted this to be cancelled. She said they would be unwilling to do that. I told them I would contact the better business bureau because they have reps telling their customers one things and then not following through on what is promised. I have never been treated so poorly by a company in my life. After the fact I did research and noticed that many people are in my same situation. Where their sales reps told them they could cancel no problem and then the company does not follow through with what was promised. They insist that you give them your credit card # they even try to get your checking account info. They put customers in a corner with no way out! This is totally unprofessional. There should be an option to be able to buy what you want and not be required to get what you don't need. People are losing their jobs and going through hard times and this company could care less about anyones situation. They are going to make you pay your balance and will not allow cancelations or returns or anything to help the consumer.

Desired Settlement: I am fine to keep video's that I have paid for but I want out of this so called contract and I do not want any more dvd's to be sent to me or for my credit card to be charged any more money. I am willing to send back the free dvd's they gave me to sign up that have never been opened. I am not paying a pay off amount of $1573 for services that have never been rendered that I was assured that I could get out of at any time.

Business Response: Business' Initial Response /* (1000, 5, 2013/07/12) */ Contact Name and Title: *** *************** Service/Credit and Collections Contact Phone: XXX-XXX-XXXX Contact Email: *** To Whom It May Concern: ****** signed a legal binding purchase agreement July 9, 2012. This agreement states in bold, " If you purchased in your home or place of employment, and do not want the goods or services, You, the Buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction or first receipt of the product, whichever is later." I will provide a copy of the agreement that shows ******'s signature right below this statement. We did send a letter on August 6, 2012 stating what products were processed on her account. The calls and letter ****** failed to respond to are a courtesy procedure we choose to provide to our customers; this is not a practice that is required. The actual purchase agreement ****** signed is what bound her to the obligation. Many of our sales representatives are returned missionaries; however, our company is not affiliated with the LDS church. Many customers are able to play our DVDs at church, and some wards even have the product available in their own church libraries. This is a decision that is made by proper authorities in the area. We are saddened to hear that you are unable to use the DVDs for the intentions you purchased the DVDs, but we know the product has changed lives and hope that you will find another use for the product. Although we will not cancel the agreement without any penalty, Living Scriptures does our best to work with our customers in the event of an unforeseen matter such as a job loss. If ****** would like to terminate the account early the early termination fee is 1/3 of the amount remaining on the account. Hence, the termination fee of ******'s account would be $525.00. Sincerely, *** ******

7/23/2013 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: During the process of purchasing a subscription to Living Scriptures, we were told we could cancel at anytime. We later found out it is not the case. On June 11, 2013, a salesman from Living Scriptures knocked on our door selling subscriptions to the Living Scriptures movie series. During the course of the transaction, my wife inquired as to whether or not there was any sort of agreement to purchase a set number of DVDs. The salesman said, very explicitly, that we could CANCEL at anytime. Fast forward 2 weeks... On the 25th of June, 2013, a customer service representative called to verify some information. During the call, my wife (******) inquired about how to cancel if/when we wanted to. The representative informed my wife that we were under an agreement to purchase the entire series, which would take 4.5 years at one DVD per month. My wife explained to the customer service representative that the salesman told us explicitly that we could cancel at anytime. After getting frustrated with the woman, my wife hung up the phone because she was no longer able to control her emotions after learning that we had been lied to. On June 26, 2013, I (*****) called customer service back only to be told the same thing. I am still in the process of fighting this. However, this should be known for other would be buyers. After reading similar complaints online, it's very obvious that the salesman (whether encouraged from their superiors or not) are preying on members of the LDS church in order to make sales.

Desired Settlement: My settlement request is very simple - I just want to be done with them. I want the contract voided. It wouldn't hurt to make sure that their salesmen are using appropriate sales tactics as well.

Business Response: Initial Business Response /* (1000, 5, 2013/07/03) */ Contact Name and Title: *** *************** Service/Credit and Collections Contact Phone: XXXXXXXXXX Contact Email: *** To Whom This May Concern: ****** ********, *****'s wife, signed a purchase agreement on June 11, 2013. I will provide a copy of this agreement to this response. As you can see ****** initialed the box on the first page stating, "I understand my obligation to purchase the products circled above over time." Also, her signature appears on both the first and second page right below the cancellation policy. This policy information is bolded. Our office did call ****** on June 25, 2013. The obligation was explained and at this time she did mention that she thought she could cancel anytime. The supervisor thoroughly explained the cancellation policy and obligation she had entered herself into. At this time ****** asked to lower the agreement amount. The supervisor and ****** agreed to reduce the agreement by 23 DVDs without any penalty or adjustment of bonus material. ****** understood and agreed to the obligation of the remaining 31 DVDs remaining on the account. On July 26, 2013 ***** called our office requesting that we cancel his wife's agreement. ***** was not on the agreement as a joint buyer on the agreement, and ****** already came to a compromise the previous day regarding her obligation. ***** told us that his wife did not agree to those terms. He stated that the lady on the phone was rude and an agreement was not made. The representative ***** was speaking to explained he could write a letter and a case could be opened with the salesman for review. Once ***** stated that nobody writes letters now days, the representative let him no email would also be sufficient. ***** insisted on talking to the supervisor. The supervisor was on call, but his information was taken and he was called back. The supervisor, ******** called ***** back June 26, 2013. ***** once again stated his wife did not agree to any terms. He said that the call ended before terms were made because his wife was so distraught she ended the call. ******* explained she had made the agreement with his wife. ***** asked if she was calling his wife a liar. At this time ******* offered to send his wife a copy of the recording to her personal email since he was not on the account. The recording was sent, and we have not heard from ****** since. Living Scriptures has already come to a compromise with ****** regarding her account. We are denying *****'s request to void his wife's obligation. Sincerely, *** ****** The Living Scriptures Final Consumer Response /* (2000, 12, 2013/07/23) */ (The consumer indicated he/she ACCEPTED the response from the business.) Someone from the company got a hold of me. Together, we were able to come to an agreement. Final Business Response /* (4000, 10, 2013/07/17) */ ***** and one of our VP's of the company has come to an agreement and this issue has been solved.

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