Genesis Bankcard Services Inc

Dear RevDex.com:This letter
is in response to your inquiry dated November 1, 2017, regarding a complaint
filed with your office by the above referenced consumer. We appreciate
Ms. [redacted] bringing this concern to our attention. After reviewing the
information and requested resolution...

contained in the consumer’s complaint, we
have reviewed the consumer’s account to determine next steps. A payment for the
balance in full was received November 6, 2017. Once the payment authorization
hold time of 14 days passes a credit balance refund for the Annual Membership
fee in the amount of $75 will be electronically returned to the customer.  The credit balance has been electronically requested
to be credited to the payment source used to make the payment. We believe our actions
have addressed her concerns.       We hope this resolves
this matter, but if you or the consumer has additional questions or concerns, please
contact us at [redacted]  Our
customer service hours are from 6am to 6pm, Pacific Time, seven days a week.Sincerely,Bankcard Services

Bankcard Services   March 22, 2017     Revdex.com P.O. Box 1000 Dupont, WA 98327   RE:          [redacted]                   Case #[redacted]...

    Dear Revdex.com:   This letter is in response to your inquiry dated March 14, 2017, regarding a complaint filed with your office by the above referenced consumer.   We appreciate Mr. [redacted] bringing this concern to our attention. After reviewing the information and requested resolution contained in the consumer’s complaint, we have reviewed the consumer’s account to determine next steps. Because our accounts require a minimum monthly payment each month, an account will remain delinquent until a missed payment has been caught up; not meeting the minimum monthly amount due reflected on a customer’s statement results in the assessment of late fees. Our website mirrors information displayed on the customer’s monthly statement. Our records for this consumer have been accurately reflected in the consumer’s statement and on our website. As a courtesy half of the remaining late fees on the account have been credited. We believe our actions have addressed his concerns.   We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at 1-866-453-2636.  Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.   Sincerely,     Bankcard Services

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

February 19, 2018     Revdex.com P.O. Box 1000 Dupont, WA 98327   RE:          Miriam N[redacted]                 Case # [redacted]     Dear...

Revdex.com:   This letter is in response to your inquiry dated February 11, 2018, regarding a complaint filed with your office by the above referenced consumer. She wants to know if she will be given a provisional credit pending our dispute resolution process with a merchant, from whom she already received a partial credit.  We reviewed the account and found the following. The original disputed purchase was charged on 1/16/18 for $141.96 and was reflected on her January billing statement. She received a full credit for the original charge by the merchant on 1/21/18 for $141.96 and was rebilled in the amount of $141.00 on 1/26/18.  The merchant provided a partial credit of $100.00 on 2/13/18.  Ms. N[redacted] paid her account balance in full by 2/16/18; we are grateful for her patronage.  She may submit a dispute if she still feels a full credit was warranted.  We do not credit any account until a billing dispute is resolved, but we do take steps to prevent the disputed amount from being collected or reported on during the investigative process.  Once a determination is made, we will notify the consumer of the findings and any credits that are warranted are done upon completion of the investigation.   We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at 1-866-453-2636.  Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.   Sincerely,     Bankcard Services Tell us why here...

April 10, 2018
 
 
Revdex.com
P.O. Box 1000
Dupont, WA 98327
 
RE:          [redacted]
                Case...

#[redacted]
 
 
Dear Revdex.com:
 
This letter is in response to your inquiry dated March 27, 2018,
regarding a complaint filed with your office by the above referenced consumer,
in which she asserted she never used the card and wanted the account removed
from her credit. We reviewed her account and found the following.
The account was opened 8/8/17. 
The Membership Fee is billed upon establishing the account and is
disclosed on the application page.  The account
activation is a security procedure but does not impact when or how the fee is
billed.There has been no purchase activity; the balance is fees.  Statements have been issued indicating that.Our records indicate she called in August 2017 to complain about
the fee; while it is our policy to allow accounts to be closed and the membership
fee waived, the representative with whom she spoke at that time did not follow
our stated policy.Efforts to contact Ms. [redacted] after that were unsuccessful; we
were unaware of this issue until we received this complaint.We waived all fees and removed all delinquencies that had been
reported due to those fees from her credit file.Since she acknowledges establishing the account, we did not delete
the entire trade line from her credit file; it is reporting as a zero balance,
never delinquent, closed by consumer account, which is an accurate reporting of
her activity with us had her original request been honored as it should have
been.        We hope this resolves this matter, but if you or the consumer has
additional questions or concerns, please contact us at 1-866-453-2636. Our customer service hours are from 6am to
6pm, Pacific Time, seven days a week. Sincerely, Bankcard Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
If you could relay to the company that I never received notice before fee was assessed.   If I would of recoeced such notifications  I would of cancelled before assessed.  They need to check into why I did not review notifications to correct future issues 
Sincerely,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Thank you for all your help ... It was my misunderstanding .
[redacted]
Sincerely, [redacted]

February 16, 2018     Revdex.com P.O. Box 1000 Dupont, WA 98327   RE:          [redacted]                   Case #[redacted]    ...

Dear Revdex.com:   This letter is in response to your inquiry dated February 9, 2018 regarding a complaint filed with your office by the above referenced consumer, in which she asserted her card was stolen and there were several unauthorized purchases reflected on it. She also asserted there was a delay in responding and rectifying the account.   We appreciate [redacted] bringing this concern to our attention.  We reviewed her account and found the following. The account was opened as asserted in September.  There were several charges applied to the account, including the one charge that [redacted] acknowledged making. She reported the misuse of her account in October.  In accordance with our policy, the old account was closed immediately and all charges were transferred to the new account.  The charges would remain on the new account, pending the results of the investigation.     We regret that the disputed charges were not appropriately taken out of her amount due; a coaching package has been sent to the manager of the representatives involved to make sure they know how to appropriately suppress disputed charges to prevent a reoccurrence. When we spoke to [redacted] in November, we did accurately clarify what was owed beyond the $80.00 she had paid at that time. The $75.00 annual fee and the one charge of $36.69 totaled $111.69; we completed the investigation of her claim on 2/6/18 and waived the entire balance, including the small amount left owed for that one purchase and the annual fee. We also cleared the past due amount from her credit file since there was a delay in investigating her claim and regret any frustration or concern this caused her. The compromised account was closed immediately upon notification of the misuse of the card; the new account is still open with nothing owed.  [redacted] may contact us to clarify if she wishes to keep the new account or close it. We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at [redacted].  Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.   Sincerely,   Bankcard Services Revdex.com Tell us why here...

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Bankcard Services   March 13, 2017     Revdex.com P.O. Box 1000 Dupont, WA 98327   RE:          [redacted]                   Case #[redacted]     Dear Revdex.com:   This letter is in response to the rejection to a response sent March 3, 2017 regarding a complaint filed with your office by the above referenced consumer.   As our previous response stated, only one payment was taken out of Ms. [redacted]’s checking account the week of February 23rd; this payment was applied to her account as is customary. If the consumer has documentation from her bank indicating something to the contrary, we’re happy to review it and make any necessary corrections. The consumer also mentioned problems with our website and IVR systems; specifically that they are always down and not up to date. The Minimum Payment Due on our systems is current as of the day of billing, and while the Current Balance / Transactions / Billing Statements are visible and up to date, the Minimum Payment Due does not update until the following billing cycle. If the consumer is having trouble accessing either system, she can call and speak with a representative who can assist her. We attempted to contact the consumer directly to discuss her concerns, but have been unsuccessful. We believe our actions have addressed her concerns.          We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at 1-866-453-2636.  Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.   Sincerely,     Bankcard Services

February 26, 2016
Revdex.com
P.O. Box 1000
Dupont, WA 98327
RE:          [redacted]
                Case #[redacted]
Dear Revdex.com:
This...

letter is in response to your inquiry dated February 24, 2016, regarding a complaint filed with your office by the above referenced consumer.
We appreciate Mr. [redacted] bringing this issue to our attention. After reviewing the information and requested resolution contained in the consumer’s complaint, we have taken action on the consumer’s behalf in regards to closing the account and crediting all fees associated with it. Additionally, we have attempted to contact the customer directly in order to assure further resolution of the situation, but to date have been unable to speak with him. 
We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at 1-866-726-5618. Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.
Sincerely,
Bankcard Services

Complaint: [redacted]
I am rejecting this response because: I would like this brought to the attention of the senior level executives so this does not happen to future customers. I tried calling on five separate occasions which I am sure these calls are recorded each time the representatives told me I could not be helped for 30 days I asked to speak with a supervisor the first time they said they were able to make the changes and I could expect to receive it. I never received it. It wasn't until the fifth and final time and contacting Revdex.com did I see any resolution. My concern is that for two months my credit card was mailed to the incorrect address not one person able to help me correct the information until the fifth call. It is worriesome to me that someone could potentially have my card information. Not to mention upon the notification of loss or stolen card my card number was never changed. So as it sits now someone could potentially have my card number.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:There was NO MENTION OF PROMOTION PERIOD..WHAT SO EVER APON AGGREMENT I SIGNED AT ASPEN DENTAL..AN NO NOTICE OF CHANGE..YOU GUYS ARE NOT A REAL BUISNESS. NEVER HEARD SUCH A THING..Revdex.com DOESNT IT SEEM FISHY.. I REJECT.. THIS BUISNESS REPS RESONING.. THERE AGAIN I WILL RECIEVE COMPENSATION.. IM ON SSDI DISIBILITU AN FEEL TAKEN ADVANTAGE OF OF.. ILL CALL USE GOVERNMENT IF GENESIS WANTS TO PROSUE.. MANIPULATIONS WITHOUT NOTICE.. NO WAY.. IM ASKING FOR 50 DOLLAR PAYMENT I WILL PAY..STARTING IN APRIL.. IF NOT WE KEEP MOVING INTO SPRING AN ECT.. 50 PER MONTH.. an $compensation of price of three teeth. Maybe about 3000 grand..will do. You scared me into getting work done on my dental hygene.. I need a 3000 dollar apology..
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I never received the card to use so how could I charge anything on it without it in my possession. Also I called them on Monday and had no answer they are free to call me anytime Mondays before 1 Tuesdays and Thursdays before 1 and after 3 Wednesdays at anytime. But there is no way I could have used anything without a card number in my possession so the closure was not reasonable a bit. I would appreciate if they would remove that from my score as its not my fault I did not receive a card 
Sincerely,
[redacted]

April 16, 2018   Revdex.com P.O. Box 1000 Dupont, WA 98327   RE:          [redacted]                 Case # [redacted]   Dear Revdex.com:...

  This letter is in response to your inquiry dated April 10, 2018, regarding a complaint filed with your office by the above referenced consumer. [redacted] is upset that we are reporting her account as charge off (CO) and not bankruptcy (BK) as she has filed and been discharged for chapter 7. She has also asserted that we are not following the BK laws by continuing to contact her and her family pertaining to her account. We have reviewed her account and found the following: [redacted] established an account with us on April 4, 2016, with Milestone Gold MasterCard which is serviced by Genesis Bank Card service. On January 3, 2017, [redacted] was offered and accepted a settlement of $356.33 that was broken down into 3 payments as follows. 1/21/2017 for $118.00 2/21/2017 for 118.00 and 3/4/2017 for 120.33The settlement was void since no payments were received as agreed.Our records show the last attempted contact was February 22, 2017, in which a letter was sent informing [redacted] of the pending charge off.On March 28, 2017, her account was CO and sold to a third party collection agency. On October 27, 2017, [redacted] filed BK chapter 7 which was discharged on February 5, 2018, in which her account with Genesis was included. Due to the fact the account was sold off ten months prior to the BK filing date, the servicing of this account was no longer maintained by Genesis Bank Card Services.As participants in the Credit Reporting system, we must accurately report all activity that took place on an account being serviced by us to all three major credit bureaus. The information is an accurate reflection of the payment performance maintained on [redacted] account while we owned the debt. To maintain the integrity of the Credit Reporting system, we do not alter accurate, historical information.We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at 1-866-453-2636. Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week. Sincerely, Bankcard Services Tell us why here...

Bankcard Services       August 7, 2017     Revdex.com P.O. Box 1000 Dupont, WA 98327   RE:          [redacted]                  ...

Case #[redacted]     Dear Revdex.com:   This letter is in response to your inquiry dated July 31, 2017, regarding a complaint filed with your office by the above referenced consumer.   We appreciate Mr. [redacted] bringing this concern to our attention. After reviewing the information and requested resolution contained in the consumer’s complaint, we have removed his email address from our data base. We believe our actions have addressed his concerns.          We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at 1-866-453-2636.  Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.   Sincerely,     Bankcard Services

Bankcard Services   April 26, 2017     Revdex.com P.O. Box 1000 Dupont, WA 98327   RE:          [redacted]                   Case #[redacted]...

    Dear Revdex.com:   This letter is in response to your inquiry dated April 24, 2017, regarding a complaint filed with your office by the above referenced consumer.   We appreciate Ms. [redacted] bringing this concern to our attention. After reviewing the information and requested resolution contained in the consumer’s complaint, we can confirm the account was closed at her request and the Annual Membership Fee was waived. A letter confirming the closure was mailed April 25th and a final statement reflecting a $0 balance will be mailed this week. We believe our actions have addressed her concerns.          We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at 1-866-453-2636.  Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.   Sincerely,     Bankcard Services

February 21, 2018     Revdex.com P.O. Box 1000 Dupont, WA 98327   RE:          [redacted]                 Case # [redacted]     Dear Better...

Business Bureau:   This letter is in response to your inquiry dated February 14, 2018, regarding a complaint filed with your office by the above referenced consumer. She is requesting that her account with us be deleted from her credit file because the card was stolen in January 2016.   We reviewed her account and found the following.    The account was opened online on 7/6/15.  The email address was confirmed to belong to Ms. [redacted] at that time. Purchases were financed on the account between 7/21/15 and 7/29/15. No qualifying payments were made on the financed balance.  The date of first delinquency that immediately preceded the chargeoff of the account is 8/12/15.  The account closed to additional purchases by January 2016; it charged off in February 2016. Because the account and the payment performance was established well before the theft, we cannot delete the tradeline as requested.  To maintain the integrity of the credit reporting system, we do not delete validated, accurate information.   We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at 1-866-453-2636. Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.   Sincerely,     Bankcard Services Tell us why here...

Bankcard Services
 
December 15, 2016
 
 
Revdex.com
P.O. Box 1000
Dupont, WA 98327
 
RE:          [redacted]  
                Case...

#[redacted]
 
 
Dear Revdex.com:
 
This letter is in response to your inquiry dated December 9, 2016, regarding a complaint filed with your office by the above referenced consumer.
 
We appreciate Ms. [redacted] bringing this concern to our attention. After reviewing the information and requested resolution contained in the consumer’s complaint, we have reviewed the customer’s account and interactions. We are taking the following steps to resolve the customer’s account: 1) the trade line will be deleted from all credit reporting agencies, 2) all fees and finance charges on the account will be credited leaving only the principle balance for the customer to pay, 3) the collection agency that had notified the customer of the account will accept final payment of that principal balance with no reporting of the account to the credit bureaus, and 4) a letter of confirmation of the recall and trade line deletion will be sent to the customer. We will continue to monitor the account to ensure all actions are completed and will remain in contact with the customer throughout the process. We believe our actions have addressed the consumer’s concerns.       
 
We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at 1-866-453-2636.  Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.
 
Sincerely,
 
 
Bankcard Services

April 23, 2018   Revdex.com P. O. Box 1000 Dupont, Wa 98327   RE: M[redacted] Case# [redacted]     Dear Revdex.com:   This letter is in response to your inquiry dated April 20, 2018 regarding a complaint filed with your office by the above referenced consumer in which she expressed continued dissatisfaction with our initial response. We reviewed her account and found the following. As asserted her account balance was zero as of her February billing statement and no payment was owed for March.  Her billing periods run from the 17th of each month through the 16th of the following month, and payments are always due one day before the close of the billing period, or on the 15th.As reflected on her March statement, she made purchases totaling 98.18 with a corresponding return to the same merchant in the amount of $7.10 for a net purchase of $91.08.  She also received a partial credit of $41.00 from another merchant, a $50.00 payment posted and a payment from February was returned to us in the amount of $56.49.  The total debits equaled $154.67 and the total credits from February equaled $98.10 for a net balance of $56.57, which was also reflected on her March statement, owed on or before 4/15/18.We received a payment for the $56.57 on 3/30/18, however it was returned to us on 4/5/18, leaving a balance of $56.57.  The $50.00 payment in March has not been returned.On 4/19/18, Ms. [redacted] posted a payment of $56.57 on our website.  Provided that payment posts as agreed, her account balance is currently zero. As previously communciated, the account being restricted was due to our returned check policy and not our web payment system.   We hope this resolves the matter, but if you or the consumer has additional questions or concerns, please contact us at 1-800-453-2636. Our customer service hours are from 6am to 6pm Pacific Time, seven days a week.   Sincerely,   Bank Card Services    Tell us why here...