I purchased a cross pendant from Shop NBC from a line by Chuck Clemency. The necklace was "supposed" to have chocolate and white diamonds, which it does. However when I took the necklace to be appraised for insurance purposes with my homeowners' insurance, I was told that it would cost me more for the insurance than the necklace was worth because the stones themselves are of very poor quality, some of the supposed chocolate diamonds have so many inclusions in them, they're actually BLACK. I tried to return the necklace for a refund, unfortunately it was passed the 30 days because I had purchased it for a gift. I had purchased a second one for another gift and it was thru that purchase that I took a closer look at the first one I bought. As I said, I tried to return the necklace, but ShopNBC would not refund me and sent the necklace back to me. I paid $400.00 dollars for a necklace that isn't even worth $100.00! I have fighting with them over this issue for months now and am not getting any satisfaction. I am in the process of filing a complaint with the Better Business Bureau and the Bureau of Consumer Protection through the PA State Attorney General's Office if this matter is not resolved to my satisfaction. I am hoping that I can get some satisfaction by filing this complaint as well.