Genesis Bankcard Services Inc

April 30, 2018
 
 
Revdex.com
P.O. Box 1000
Dupont, WA 98327
 
RE:          [redacted]
               ...

Case
#12818740
 
 
Dear Revdex.com:
 
This letter is in response to your inquiry
dated April 28, 2018, regarding a complaint filed with your office by the above
referenced consumer, in which [redacted] asserted she never activated the card
and wanted the account to be closed; she expressed frustration that her initial
request was not honored as agreed.
 
We reviewed her account and found her
assertions to be accurate.  She opened
the account on April 2, 2018 and called to request it to be closed on April 5,
2018 because she could not afford the annual membership fee.  We offered to reduce that amount but she
preferred not to keep the card.  The
representative cleared the balance as agreed but did not clo se the account; she
did accurately note Ms. Jones wishes so the error was inadvertent.  The account was closed on April 26,
2018.  We have sent the details of this
complaint to the management team of the representative involved to prevent a reoccurrence. 
 
We truly appreciate the time [redacted] took to
inform us of this issue so we can improve the service we provide our
customers.  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...

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]

March 26, 2015
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 March 20, 2015, regarding a complaint filed with your office by the above referenced consumer.
We appreciate Ms. [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 as requested. Additionally, we have contacted the customer directly on this subject. We believe our actions on her account and discussion 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 1-866-726-5618. Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.
Sincerely,
Bankcard Services

Bankcard Services   April 21, 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 17, 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 closed the account, credited all fees and removed all delinquent history. 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
 
December 5, 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 November 28, 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 located an account under the consumer’s maiden name. We appreciate the consumer may not recognize this debt and have requested dispute documentation be sent either directly to us or through one of the credit reporting agencies or the FTC to initiate her dispute. A thorough investigation can be performed once the necessary dispute documentation has been received.       
 
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   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 reviewed the account to determine next steps. While the standard minimum monthly payment for this account is $40, there are certain events that could cause the minimum monthly payment amount on the statement to increase. These events include exceeding the assigned credit limit or the monthly minimum payment not being received by the due date. A copy of the Cardholder Agreement that details how the minimum monthly payment is calculated has been resent to the consumer. 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
 
November 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 November 10, 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 contacted the merchant directly; they have committed to stop assessing charges and refund all charges applied to the account by them in from May 2016 through present. We have been advised the credits should be reflected in the balance within five business days. We will continue to monitor the account and ensure these credits take place.  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

January 10,
2018
 
Revdex.com
P.O. Box 1000
Dupont, WA 98327
 
Re: [redacted]
Case #: [redacted]
 
 
Dear Revdex.com:
 
We received a complaint dated January 5, 2018 for the above named
consumer in which she indicated she was dissatisfied with our previous response.
We reviewed the added detail submitted with her complaint and compared that
detail to the information we previously shared.  Our findings follow. 
All payments
that she sent in the attachment are accounted for in the payment histories
previously submitted.4 payments were applied
to her Milestone account, dated 4/26/16, 3/29/16, 2/29/16 and 1/4/16.  These were the last 4 billing periods prior
to the sale of her account.The remaining 14
payments were applied to her Aspen Dental account.During the time those
payments were submitted, each of her accounts that were serviced by Genesis FS
Card Services had payments owed.  In
addition, payments were submitted on the same date for each respective account,
applied promptly and would have been reflected on her billing statements at
that time.
As previously communicated, neither of
these account are serviced by Genesis any longer.  We have denoted the new owners’ contact
information for her reference. 
 















From/To:

Aspen
Dental/Credit Corp Group

Milestone
MasterCard / Galaxy International Purchasing, LLC

Phone Number:

[redacted]

[redacted]

Mailing Address:

[redacted]
[redacted]
[redacted]

[redacted]
[redacted]
[redacted]

 
We hope this information clarifies the
matter. 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,
 
Genesis Card Services

Revdex.com:Thank you so much
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]

February 13, 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 February 5, 2018, regarding a complaint filed with your office by the above referenced consumer. We appreciate [redacted] bringing this concern to our attention. We reviewed her account and found that she is correct, her account was closed due to three consecutive billing periods without activity.    A letter was issued which explained what transpired and why on the same day the account was closed.  As requested a copy of the terms and conditions of the account was sent to [redacted] on February 4, 2018.  She should have received that by now. As with any credit account, any new purchase would be subject to credit approval and that process would not be altered by the existence of an open, unused account or applying for a new one.  Closing an inactive account is a security precaution that is mutually benficial.   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     November 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 November 7, 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 account to determine next steps. The consumer has initiated several and varied claims of inaccurate reporting with the credit reporting agencies and in each occurrence has been requested to supply documentation that would allow us to investigate/validate his claims. While this account is no longer owned by us, we can reopen the account investigation with the return or previously requested documentation. 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

October 8, 2015
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 September 30, 2015, regarding a complaint filed with your office by the above referenced consumer.
We appreciate Mr. [redacted] bringing this issue to our attention and apologize for the mis-communications that have contributed to his frustration. We have contacted the customer directly and we believe resolved the issue.   
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

February 1, 2018 Revdex.com P.O. Box 1000 Dupont, WA 98327   Re: [redacted] Case #: [redacted]   Dear Revdex.com:   We received a complaint dated January 26, 2018 for the above named consumer in which he stated his account and credit line were closed...

and requested that it be reinstated.  We reviewed his account and a summary of our findings follow. •     Mr. [redacted] opened his Milestone account on 1/12/17. •     His first payment was owed on or before 2/20/17; no payment was received. Payments were maintained for the next three billing periods, March, April and May of 2017.    Payments have been reversed throughout the life of the account, starting in March; multiple payments were made, and only some would be reversed within the same billing cycle, allowing for a valid payment to register within the billing period.Scheduled payments were not received for the June through November billing periods.Mr. [redacted] paid his balance in full in the December billing cycle.  One of the two payments made toward the balance in this billing period was also returned as a reverse payment. The reversal reason cited by the bank is that the account used to make his Milestone payment is frozen.  Mr. [redacted] called in January and reported his wallet stolen and requested an account closure for that reason.  He called back later that same day and stated that he changed his mind; he had destroyed the card and just wanted it to be reissued.  He was mistakenly told that since it was closed the same day, it could be reopened.  While that is generally true, it cannot be done on this account due to the payment performance and reversals denoted.He spoke with us on 1/26/18 and indicated the issues were not his fault, but an error with his bank.  The most recent payment he established with us on 1/23/18 was reversed with the same reason, “frozen account” cited by his bank on 1/30/18.  Mr. [redacted] will need to rectify the issue with his bank and provide an alternate means of satisfying his indebtedness.  If he has additional documentation that supports his assertions, he may submit them for our review. In light of the above, we cannot honor Mr. [redacted]’s request to reopen his credit account.  We hope this information clarifies the matter. 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,   Genesis Card Services Tell us why here...

Bankcard Services
 
January 13, 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 January 5, 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 contacted the customer directly to discuss her situation. Due to the newness of her account, we are unable to make any changes to the account terms at this time. We recommend she contact a company whose main focus is to assist consumers in account management during hard times; a company such as Consumer Credit Counseling Service has been suggested. The office closest to her is located in Minneapolis and can be reached at (612) 349-6953. 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

March 27, 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 21, 2018, regarding a complaint filed with your office by the above referenced consumer, in which Ms. [redacted] asserts that she never applied for a credit card with our company and when she called to inform us of that, our representatives tried to persuade her to keep the account.   We did receive a call from Ms. [redacted] soon after issuing the card, on 2/13/18, and as she asserts the account was not immediately closed.  It is our policy to immediately close accounts given the circumstances described by Ms. [redacted]; due to human error our policy was not followed.  This has been addressed and corrective measures taken to prevent a reoccurrence.  We thank Ms. [redacted] for taking the time to communicate her concerns to us and apologize for any frustration or concern this caused her.   We closed the account on 3/20/18 and denoted it as a fraud account which will prevent it from reporting on Ms. [redacted] credit file.  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...

July 27, 2015
 
 
 
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 20, 2015, regarding a complaint filed with your office by the above referenced consumer.
 
After reviewing the information and requested resolution contained in the consumer’s complaint, we have closed his account as requested and communicated that information to the credit bureaus. As a result, we believe that this issue has been resolved.  
 
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

March 2, 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 24, 2018, regarding a complaint filed with your office by the above referenced consumer. Ms. [redacted] stated she believes she is being double billed for a purchase in the amount of $1,291.25.  We reviewed her account and found the following.    She opened her account in September and financed two purchases on 9/23/17; one totaling $54.44 and one totaling $231.35. On 10/9/17 a third purchase of $1,600.42 was financed. Her account cycles, meaning the billing period ends, on the 18th of each month.  Payments are owed on or before the 17th of each month. We received the first payment as agreed for these purchases on 11/17/17. We do show a purchase approval in the amount of $1,291.25 but no additional merchandise was ever financed to her account.  She never received her card and called in shortly after this purchase was originally approved. When cards are not received the original account is closed and a new one is opened. That caused this purchase not to post to the newly created account.  We appreciate Ms. [redacted] bringing this issue to our attention. In her conversation with us 2/23, Ms. [redacted] acknowledged she received the merchandise totaling $1,291.25 but that charge has not been reflected on her statements.  We regret that there was some confusion regarding the issue on Ms. [redacted]’s account.  When she initially called in, she stated her credit limit was reduced by too much, so the representatives focused on the purchase approval process and overlooked that detail offered - she had indeed received the merchandise. A representative talked with the store on 2/23; we removed the purchase approval so the store could re-ring the purchase. The store representative clarified in that conversation that the $1,291.25 purchase will be reflected on her next statement.  That statement will not process until 3/18/18.      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
 
October 7, 2016
Revdex.com
P.O. Box 1000
Dupont, WA 98327
 
RE:          Dr. [redacted]  
                Case...

#[redacted]
 Dear Revdex.com:
 
This letter is in response to your inquiry dated September 30, 2016, regarding a complaint filed with your office by the above referenced consumer.
 
We appreciate Ms. [redacted] bringing this issue to our attention. After reviewing the information and requested resolution contained in the consumer’s complaint; we have blocked the account, credited the balance and begun the process of deleting the trade line from all credit reporting agencies. Because credit bureau updates may not occur immediately, a letter of confirmation of this action is also being sent to the consumer. We believe our actions on this account 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

August 24, 2017Revdex.comP.O. Box 1000Dupont, WA 98327RE:          [redacted]                Case
#[redacted]Dear RevDex.com:This letter
is in response to your inquiry dated August 16, 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 account to determine next steps. A customer must opt into the
ability to charge over the assigned credit limit of their account. In doing so,
they agree to pay a fee if the account exceeds the assigned credit limit at any
point during the billing period; the consumers balance exceeded the assigned
limit June 5, 2017, July 5, 2017, and July 12, 2017 – three separate billing
periods. Statements and the Cardholder agreement have been sent to the
customer. The account has been closed, as the cardholder requested. In
addition, the Annual Membership Fee has been recalculated and prorated for the
number of months the account was open. The membership fee credit of $18.75 and
the most recent Over Limit Fee of $28 has been credited to the account. These
credits will appear on his next statement in mid-September. 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