I have several pieces from S & D and none of them have changed colour, S & D do not claim their items are 14k (unless you are buying the covet pave collection) - they clearly state items are shiny gold/silver.
I have never had an issue with any returns or exchanges and they give you 10% back on your purchases to put towards other items. I got a top that was reg $79.99 and with my 10% back earned the top cost me $25 bucks!
People will always complain, cant make everyone happy!
You have to try it to see if you like, if you dont - just return it for a full refund! Pretty simple!