ComplaintsforJewelry Television

• Initial Complaint

  03/18/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I'd like to start off by saying I bought jewelry from JTV in the past and never had a problem it's been years since I've bought from them and had decided to buy my daughter a ring for Christmas and myself a bracelet in a ring all three of which since have lost stones when I contacted JTV about the stone that my daughter had lost in her ring they had asked that I purchased the production plan understandably if it's been a year or longer but this is only been weeks to months and when I stayed at that they said I could send it in and they would contact me if it would be over $20 to replace the stone or fix the product which I feel is very lousy customer service considering the fact that they say that they have quality merchandise I shouldn't have to pay to replace a stone when I just bought the ring they said it had been over 30 days of course well you expect a product to last more than 30 days when I asked the gentleman are they buying cheaper products now he said no well I just don't understand why three of the products that I have bought have lost a stone that quickly I work very hard for my money and I don't want to buy things that are just going to sit in a drawer or get thrown away because they can't be worn I feel as though they need to take care of their customer and either replace the product or fix the product for free shipping included when I said I wouldn't shop with them anymore he acted like it was no problem I just feel like I've been scammed or duped out of my hard-earned money

  

  Business response

  04/04/2022

  Business Response /* (1000, 5, 2022/03/31) */ On January 27, 2022, Ms. called and spoke with a representative in regard to order for AKH039-9 a 2.81CTW mixed shape tanzanite rhodium over sterling silver cluster ring that was ordered on January 8, 2022. The representative told Ms. that she could return the item for an exchange and this resolution was accepted by Ms. at the time of the call. Our records do not show that the item was returned. On February 15, 2022, Ms. called to say that a stone had fallen out of another ring. Based on Ms. description, the representative identified order a 1.00ct oval Paraiba blue color opal and round black spinel sterling silver ring, which was ordered on December 2, 2021. Jewelry Television wants our customers to be completely satisfied with their shopping experience. Therefore, a thirty-day period is provided to inspect purchases and return without penalty, any item that does not meet requirements. As order 170380703 did not meet the return requirements due to the age of the order, the representative offered Ms. the option to have the item repaired and advised her of our general repair procedures. We do apologize that the representative did not take into account that Ms. had experienced multiple issues and did not offer to escalate the issue further. The only bracelet we were able to locate on Ms. account was order for BCH512-8 a 10mm round cabochon carnelian sterling silver bracelet ordered on November 24, 2021. We were unable to find any communication regarding an issue with the bracelet in question. In an effort to go above and beyond to resolve these issues, we to contacted Ms. and have sent replacement rings and refunded the bracelet, which was no longer in stock. Our goal is to provide quality products at a value price, and we are sorry this situation arose. We appreciate Ms. business and hope that she will give us another opportunity. Consumer Response /* (2000, 7, 2022/04/01) */ (The consumer indicated he/she ACCEPTED the response from the business.)

• Initial Complaint

  03/01/2022

  Complaint Type:

  Delivery Issues

  Status:

  Resolved

  More info

  Order 172531279. Package was shipped and stayed at Atlanta GA USPS for 3 days with no movement, Then strangely, it shipped back to Nashville, TN to JTV. I called to let JTV know what was going on and the rep told me that she would put a note to send it back to me and not to return the item. She verified that my address was correct, which it is and I have already received two other packages from them with no problem. Today while checking the status online at JTV I noticed the package showing as returned. I called and was told that it had been returned even though the rep put notes to have it shipped back to me. I spoke to two reps who repeated that they can't stop the return but can send me another necklace and charge my card again. I asked to speak to a manager. The manager basically offered the same resolution however I am not sure how this is a resolution because the item should have never been returned. There were notes there that was ignored and after a week later of speaking with JTV and USPS reps, I don't have my package to no fault of my own. I told him if he could not come to a better resolution I would like to speak to his manager. He told me he can put me on a call list to get a call in 48 hours. I told him that I have received other orders with no problem and will send them back if I am unable to get better resolution on this order. He didn't seem to be bothered at all or help me get to a better resolution. He told me I could return them if I wanted to, and they could issue a refund on those as well as if they did not appreciate my business. This is the worst customer service that I have received from a business in a long while. I don't think this is a resolution to my issue or a way to keep my business. I am sending this complaint in to give upper management to correct this wrong. This particular purchase is $111. The two other orders I threatened to return is a total of $800.

  

  Business response

  03/22/2022

  Business Response /* (1000, 5, 2022/03/09) */ On February 19, 2022, online order 172531279 was place for AU462A, a set of 2 rhodium over 10k white gold Valentino 18- and 20-inch chains. The order shipped out on February 20, 2022. According to the USPS tracking history the package was located in Atlanta GA on February 22, 2022, and was then routed back to Knoxville TN. There is currently no indication listed on the USPS tracking to suggest why the package was sent back to Knoxville TN. On February 25, 2022, Ms. spoke with one of our representatives who noted the package had been routed back to Knoxville and noted that Ms. wanted the package to be sent back to her. Unfortunately, as the package was already with our returns department, the refund was already processing by the time this message was received. Once a refund has been initiated for an order there is no way to reverse it, therefore a new order would have to be placed for us to reship this item to Ms. . In an effort to go the extra mile we have spoken to Ms. and will be sending her a new AU462A at no cost and next business day shipping. Our goal is for our customers to be completely satisfied with their shopping experience. We apologize this issue has arisen and for any added confusion we may have caused. We appreciate Ms. business and look forward to remaining her choice for beautiful jewelry and gemstones. Consumer Response /* (2000, 7, 2022/03/09) */ (The consumer indicated he/she ACCEPTED the response from the business.) It's an acceptable resolution and I appreciate them reaching out to me to resolve this issue.

• Initial Complaint

  02/11/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I have been charged twice now on 2 different orders , 2 different charges for brilliant cash. One for $25 and the other one for $15. It is not FREE as they promote it. I was just advised by a supervisor,, that they actually build into the price of the item that you are currently ordering, the amount for the brilliant cash in order to give it to the customer. She stated it's not charged to the customer. That's a LIE. The supervisor just admited they " build in the cost of the brilliant cash into the item(s) that you are currently ordering, in order for you to receive the "FREE" Brilliant Cash. They ARE charging you for the brilliant cash !!! Now, why state something is FREE when it is TRULY not. I did not ask for it or order it, THEREFORE do not charge me for it!!!! I returned ALL the items from the orders to them and instead of refunding my credit card for the ENTIRE amount they charged, they don't refund you the money they charged your credit card for the Brilliant Cash, they put it on your account as a credit for future orders. That is not fair to the consumer that is Bait and switch. I requested several times for this to be corrected and my credit card refunded, spoke to several supervisors, 2nd shift supervisor in December 2021, in January 2022, and, today 2/10/22 and other customer service representatives and NONE OF THEM want to correct the issue. Again, they refuse to listen! JTV CHARGED ME PERSONALLY FOR THE Brilliant Cash. I'm sick and tired of this Bait and Switch promotion. Don't promote FREE Brilliant Cash if it's not FREE!!! REFUND MY CREDIT CARD!!! I have credit card statements showing the total amount JTV charged me for both of these orders and what JTV refunded to my credit cards WAS NOT the ENTIRE amount initially charged. JTV, kept the amount of $25 and $15 for the Brilliant Cash they initially charged my credit card for, refusing to refund it!!!

  

  Business response

  03/22/2022

  Business Response /* (1000, 5, 2022/02/24) */. placed orders on November 25, 2021, and orders on January 29, 2022. These orders were qualifying purchases for Brilliant Cash rewards. As a result, earned a total of $25 and $15 Brilliant Cash rewards on these two order dates, respectively.. paid the total advertised prices of the items she ordered on these dates, and there was no additional cost to Ms. related to earning these Brilliant Cash rewards. Subsequently and prior to returning these orders, Ms. used all her Brilliant Cash rewards that she earned on her qualifying purchases to purchase other JTV products. After using her Brilliant Cash rewards earned on the qualifying purchases, Ms. returned all the qualifying purchases. On the November 25, 2021 orders, Ms. total refund was the total purchase price she paid less $25, and on the January 29, 2022 orders, her total refund was the total purchase price she paid less $15. In both cases, Ms. refund had an amount equal to the Brilliant Cash she received for the initial qualifying purchase (that was later returned) deducted in order to account for the fact that she had already used her Brilliant Cash rewards on other purchases. This adjustment was necessary because, otherwise, Ms. would have received a windfall of $25 and $15, respectively, by returning a qualifying purchase while, at the same time, using the Brilliant Cash originally earned (prior to her return) on other purchases. Detailed Terms and Conditions and FAQs related to Brilliant Cash can be found at jtv.com/help/brilliant-cash. We have copied below an FAQ specifically addressing returns of purchases qualifying for Brilliant Cash to further help clarify. What happens to my Brilliant Cash Rewards if I return all or part of my Qualifying Purchase? If you return all of your items, you will receive an appropriate credit to your method of payment and an adjustment to your Rewards balance (if you have a Rewards balance at the time of the return). The credit and the Rewards adjustment will take into account the amount charged to your method of payment for the Qualifying Purchase, the Rewards earned by the Qualifying Purchase, and your Rewards balance when the return is received. If less than all items are returned, your refund will be reduced by a pro-rata amount of the Brilliant Cash Rewards acquired from the Qualifying Purchase, based on the item(s) returned Other charges, such as restocking fees and return shipping, will also reduce the amount credited to your method of payment. All such returns are subject to our standard return policies and procedures. The application of our policy is illustrated by the following examples. Jo Ann buys sterling silver earrings for $39.99 and a topaz ring for $59.99. This purchase is a Qualifying Purchase, and Jo Ann receives $10 of Brilliant Cash Rewards. She uses her VISA card for this purchase. If she returns only the earrings, she receives a return credit to her VISA card of $35.99, ($39.99 - $4; the $4 adjustment is the pro-rata amount of the Brilliant Cash Rewards she received for the Qualifying Purchase for that item). If there is a $5 charge for sending the return back to JTV, the credit to Jo Ann's credit card would instead be $30.99. If Jo Ann returns only the topaz ring, she receives a return credit to her VISA card of $53.99 ($59.99 - $6; the $6 adjustment is the pro-rata amount of the Brilliant Cash Rewards she received for the Qualifying Purchase for that item). If Jo Ann returns all items from her purchase transaction, the return amount will depend on her Rewards balance. If her existing Rewards balance is $10 or more, then $10 will be deducted from her Rewards balance, and she will receive a return credit to her VISA card in the amount of $99.98 ($39.99 + $59.99). If her Brilliant Cash Rewards balance is $0, then her return credit to her VISA card is $89.98 ($99.98 - the $10 Rewards she received for the Qualifying Purchase). If her Brilliant Cash Rewards balance is between 0 and $10, then her return credit will vary based on her Rewards balance. If Jo Ann's Rewards balance is $6 at the time of the return, $6 will be deducted from her Rewards account, and she will receive a return credit to her VISA card in the amount of $95.98 (purchase price of $99.98 - $4 (the difference between the $10 in Rewards received for the Qualifying Purchase and the $6 amount deducted from her Rewards balance)). We have communicated to Ms. by telephone as well as sent Ms. emails with detailed information to help clarify how the Brilliant Cash promotion is applied and how the return of a Brilliant Cash qualifying purchase is accounted for. We sincerely apologize for any confusion the Brilliant Cash promotion may have caused. In an effort to go the extra mile, we have given Ms. a 20% discount that she may use on a future purchase. She may redeem the 20% discount by calling our Customer Care team at 800-619-3000 to place an order. Consumer Response /* (3000, 7, 2022/02/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) JTV wants to state I was not charged for the Brilliant Cash promotion, yet I was. I have proof via my credit card statement, JTV's invoice that they sent to me along with the items I had purchased and after I returned ALL items back to JTV I have my credit card statement showing the refund of those items minus the amount of the Brilliant Cash promotion that they charged me for, they never refunded my total amount initially charged when I placed both of these orders. This is stealing money from my credit card. It clearly indicates on my credit card statement the amount JTV initially charged my credit card along with the invoice number that it was applied to. I can show you the proof. I sent ALL proof to JTV and they have ignored the facts, and the proof showing that I was indeed charged both times for the Brilliant Cash promotion, which I should not have been charged at all. I'm sick and tired of them trying to state and justify the opposite. If you need to SEE this factual proof I'll be more than happy to send to the Better Business Bureau. I want JTV to refund my credit card. They received the entire orders back, they should refund all monies that they charged my credit card. JTV should stop promoting Brilliant Cash is given freely to their customers when in all reality it is not FREE and the customer gets charged for it. Even JTV 2nd Shift supervisor Derrick who I spoke to in December 2021 even stated JTV charged me for the Brilliant Cash and it indicates on the invoice as a line item. I again am requesting JTV refund both charges, $25 from November 25th, 2021 Invoice # AND $15 from January 29, 2022 invoice # 171904166. On invoice # JTV initially charged me $61.68. I returned everything from that invoice and JTV ONLY refunded $36.68. The Math: $61.68- $36.68= $25.00 JTV NEVER REFUNDED THE FULL AMOUNT because JTV CHARGED ME FOR THE BRILLIANT CASH OF $25.00 and I SHOULDN'T HAVE BEEN CHARGED AT ALL. On invoice # JTV initially charged me $39.12. I returned everything from that invoice and JTV ONLY refunded $24.12. The math: $39.12 - $24.12 = $15.00 JTV NEVER REFUNDED THE FULL AMOUNT because JTV CHARGED ME FOR THE BRILLIANT CASH OF $15.00 and I SHOULDN'T HAVE BEEN CHARGED AT ALL Again if you need to see proof, I HAVE IT. Business Response /* (4000, 9, 2022/03/02) */ While we apologize for any confusion Ms. may have related to Brilliant Cash rewards program, JTV processed Ms. orders and subsequent refunds in full accordance with the Brilliant Cash Terms and Conditions. We provided Ms. with detailed information regarding her orders and offered her an additional future discount with our apologies for any confusion in an effort to go the extra mile. There was no additional cost to Ms. related to her earning of Brilliant Cash rewards. Additionally, after earning the Brilliant Cash rewards on qualifying purchases that she later returned, Ms. used the rewards to purchase other products. As a result, there is no outstanding amount to refund to Ms. for these orders.

• Initial Complaint

  02/01/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I was watching the turquoise show 1/27/22 from 6-8pm, and presented this ring & said "you won't be disappointed!" I was really excited to get such a great deal on Sleeping Beauty. It arrived this afternoon & not only am I severely disappointed, I feel like I've been punched in the face & kicked in the stomach. I expected to receive a NEW item; this clearly was worn or preowned. This is the 4th item I've received not in stated/expected condition-items sold as NEW that were clearly used. This did not come w/a tag on it. There are a ton of scratches on the sides & back-scratches that occur from lots of wear. There is a scratch on one of the stones at the 9 o clock position in the setting. There is something weird and red lodged in two stones. I'm including 6 pics in my review. Hopefully you can see the scratches, etc...Yes, JTV says if you don't like an item you can return it. I would not have returned this if it came new. For me, I'm disabled & can't get to the post office on my own especially to return a flawed item that was not my fault to begin with. I've called in customer service twice in the past about other issues re: quality/damage. She yelled at me both times, said JTV has strict quality standards & would never deliberately misrepresent items. She said customers are just too picky which I found insulting. This is the 4th bad item I received & feel that this is done on purpose. I feel my money was stolen. Now I have to pay for a ride to the post office to return an item-that I was looking forward to getting in the first place. I feel so betrayed as a paying customer. It's extremely difficult dealing with JTV/customer service via phone, and I don't feel my issues are addressed when emailing, so I am hoping a BBB outreach will help. I want others to know they may get used/damaged items passed off as new. I'm asking for a full refund for the price paid, return shipping covered, & a NEW ring delivered, no cost, as a courtesy for my trouble to return

  

  Business response

  02/23/2022

  Business Response /* (1000, 5, 2022/02/08) */ On January 27, 2022, placed online order 171858006 for MQH194-8, a 6x4mm oval Sleeping Beauty turquoise with 2.05ctw white zircon rhodium over silver ring. According to USPS tracking the item was delivered on January 31, 2022. Unfortunately, we were unable to locate any records of communications made related to this order prior to receiving notification from The Better Business Bureau. Upon receiving the notification, we were disappointed to hear that was not completely satisfied with her purchase and further that she had negative interactions with our Customer Care representatives. Accordingly, on February 4, 2022, one of our representatives spoke with and suggested that return the item for a full refund at no cost to her. stated she will be returning the item for a full refund, and as has requested, we will send her a replacement as a courtesy at no charge. Our goal is for our customers to be completely satisfied with their shopping experience, and we are saddened to learn that was not completely satisfied. We hope will give us another opportunity to serve her and hope to remain her choice for beautiful jewelry and gemstones. Consumer Response /* (2000, 7, 2022/02/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) I will be returning the item tomorrow to the post office. I have been unable to get a ride until tomorrow. I appreciate the response from JTV. I have called JTV w/issues on a number of other purchases and no one has ever been able to resolve them for me, this is why I reached out to BBB for this complaint

• Initial Complaint

  01/25/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 1/5/2022 I placed a order for $129 for a ring made in Bali, I sent it back, but they still have not refunded my account and then on 1/22/2022, I placed a order for a bracelet and a amethyst ring, I ended up cancelling the bracelet, but not the ring. The bracelet was for $99.99 and I believe the ring was $47. I ended up calling them to figure out what the issue was with refunding my money and they assured me it would be refunded but I have yet to receive it. on either order. Order #'s are : 171713846 and 171299946. So, they have $138 on one order and $ 129 on the other order but won't return my money.

  

  Business response

  02/22/2022

  Business Response /* (1000, 5, 2022/01/31) */ On January 5, 2022, online order 171299946 was placed for SRA4882-8, an Artisan Collection of Bali(tm) bypass ring. According to USPS tracking the item was delivered to on January 14, 2022. On January 16, 2022, spoke with a representative to advise us that she would be returning SRA4882-8. On January 21, 2022, we received the item and on January 26, 2022, a full refund was issued back to the original method of payment used for order 171299946 in the amount of $129.59. On January 22, 2022, online order 171713846 was placed and both items were cancelled prior to being shipped out. When an order is placed, there is an authorization hold placed on the funds. This triggers what looks like a deduction of the purchase price from the funds available to be debited. The transaction is not settled, and the funds are not actually deducted until the item ships out. Therefore, when an order is cancelled the authorization hold is reversed. How quickly the funds will become available varies with each financial institution. On January 27, 2022, one of our representatives spoke with and advised her to check with the institution that manages the method of payment if she was not seeing a refund or the funds for the cancelled order as they may have placed a hold on the release of the funds. The representative also advised to contact JTV's Consumer Protection department if the institution that manages the method of payment could not provide a satisfactory answer. We are happy to continue to assist if she requires any additional support with this matter! Our goal is for our customers to be completely satisfied with their shopping experience. We look forward to remaining choice for beautiful jewelry and gemstones.

• Initial Complaint

  01/12/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  On January 3rd, 2022 I returned 16 pieces of Jewelry back to JTV, Jewelry Television, for a FULL REFUND. On January 6th, 2022 JTV, Jewelry Television sent me an email acknowledging that they received my returns. However, JTV, Jewelry Television DID NOT PROCESS ALL of the jewelry items that were returned inside the return package. They ONLY processed 5 of those return items and misplaced the other 11 Jewelry items and made me responsible for those missing jewelry pieces. A estimated total of over $1000. I marked each Jewelry box with the item number on the outside of the Jewelry box, indicating how many pieces were inside the box and that specific jewelry item(s) number and taped each completed return form/slip to that specific jewelry box. When JTVs returns Department received the return package, instead of reviewing each completed return form they ONLY looked at the return label and chosed the 5 jewelry items related to that return label. Stealing the other 11 jewelry items and holding me accountable for those return items. They REFUSE to locate those other 11 jewelry items that were included in the return package, which were labeled and attached to each of the COMPLETED RETURN FORM/SLIPS, which has my name, my customer number and invoice number on them. I have called over 10 times about this problem and have sent 7 emails without a resolution. They have the jewelry items returns at their warehouse but REFUSE to verify and process ALL jewelry return items that were included in one package. They are holding me responsible for their return departments incompetence and continuing charging my credit card for those missing returned jewelry items which they have in their returns department.

  

  Business response

  02/08/2022

  Business Response /* (1000, 5, 2022/01/21) */ On January 8, 2022, called and spoke with a representative to check on several orders that she had returned and had received an email stating that we had received the package on January 6, 2022. At this time, the representative advised that it can take up to five business days to process a package once we receive it. called and emailed several times to check on the status of her return, and on January 11, 2022, spoke with a supervisor who explained that the prepaid return labels that come in the package are specifically insured for and coded to the items in the package they come in. Any other merchandise included in the package is not covered by insurance and cannot be tracked. This information is listed in the Terms and Conditions on JTV.com as well as on the return instructions included on the invoice that comes in the package. The supervisor advised that she would coordinate with the returns department and try to locate the items as it can take longer to process refunds on items that are not associated with the return label used to ship them. called and emailed several times to check on the items that had not been refunded and on January 13, 2022, spoke with another supervisor who advised her that refunds were processing on all the items in question as of that morning. Although, the items have been refunded, we sincerely regret that this was a negative experience for and apologize that the inclusion of items not associated with the shipping label caused a delay in processing her returns. Our goal is for our customers to be completely satisfied with their shopping experience. We sincerely apologize that this experience was unsatisfactory for and hope she will give us another opportunity. Consumer Response /* (3000, 7, 2022/01/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) JTV customer service, even though they responded to this and finally resolved the issues after my constant emailing and phone calls following up on the whereabouts of all jewelry items I had returned to JTV, JTV wouldn't have done so if I stayed silent on the matter and never reached out to the BBB or Consumer Affairs. JTV quotes their policy and procedures. However, failed to apologize for the way their supervisor(s) handled my concerns and treated me as a customer. I suggested better customer service training on how to resolve customer concerns instead of blaming the customer for returning the jewelry merchandise incorrectly,even though it was done correctly by using the enclosed return order form (with the indicated invoice number for the jewelry items) that JTV provides to the customer and to provide their customers with a more professional business attitude. Business Response /* (4000, 9, 2022/01/31) */ We are again, very sorry that this was such a negative experience for and want to assure her that all complaints regarding interactions with our staff are investigated and addressed by management. We appreciate business and sincerely hope she will give us another opportunity to serve her. Consumer Response /* (2000, 11, 2022/02/01) */ (The consumer indicated he/she ACCEPTED the response from the business.) I received my refund of all returned jewelry items.

• Initial Complaint

  10/12/2021

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  The refund issued was incomplete. The product (earrings) received was defective, however JTV refuses to issue a refund of $6.99 for the return shipping fee. The stones were white-looking compared to the other stones purchased on the other items in the suite. There is NO PINK in the stones (the reason for the purchase). Images of the defective earrings were provided to Customer Care and uploaded to the product. However, JTV is claiming the stones were pink.

  

  Business response

  10/26/2021

  Business Response /* (1000, 5, 2021/10/15) */ On September 25, 2021, order 168694254 was placed online for AHH203. The item was received back at our facility for a return and a refund was processed on October 8, 2021. Our returns department determined that the item was not damaged. Therefore the return label shipping charge was deducted from the refund amount. called and spoke with three representatives on October 8, 2021. The agents advised that that the returns department determined the items were not defective or damaged and did not offer her a refund of the shipping charge for the return. We apologize that purchase was not as she expected it and that the agents she spoke with did not offer an acceptable resolution. As a courtesy to we have refunded her return label fee. We will also address this issue of the agents not previously offering her a refund of the shipping charges in our continued efforts to improve our customers' experience. Our goal is for our customers to be completely satisfied with their shopping experience. We sincerely apologize for negative experience and for any added confusion we may have caused. We appreciate business and hope she will give us another opportunity to serve her. Consumer Response /* (2000, 7, 2021/10/18) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept the business" resolution (shipping refund). However, as indicated in the complaint and the pictures provided the jewelry was "defective " as it was not the pink color as indicated in the online/website description.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩