Genesis Bankcard Services Inc

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 so much for assisting and understanding in this matter as I try to rebuild.
Sincerely,
[redacted]

I dont want to continue with the debt with this place, I am happy to change this debt to [redacted] and have clearer results and statements, I just finished a conversation with an agent because the account is never clear to me, is a total lack of respect.

January 22, 2017  Revdex.comP.O. Box 1000Dupont, WA 98327 RE:          [redacted]                Case # [redacted]  Dear Better Business...

Bureau: This letter is in response to your inquiry dated January 19, 2018, regarding a complaint filed with your office by the above referenced consumer.  We appreciate Ms. [redacted] bringing this concern to our attention. We want to assure Ms. [redacted] that we are an accredited business in good standing.  It is to our mutual benefit that we issue cards for which our customers apply and all steps were taken to make sure she received her card.  We regret any issues that transpired that prevented her from receiving it.  We reviewed the account and per the consumer’s request, the account has been closed. We credited all fees that have been charged since she established the account in November, including the annual fee, as well as the finance charges that were assessed, which reduced her account balance to zero. She will receive her final statement by the third week of February which will reflect these changes.    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

RE:         [redacted]               Case
#[redacted]Dear RevDex.com:This letter
is in response to your inquiry presented to us December 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 account to determine if this had been previously resolved. Due
to security breaches experienced by a number of merchants, we have added
additional security features to better safeguard our customer’s accounts and
information. One of those safeguards is to restrict purchases from foreign
website; our company does not allow purchases when made through a foreign
website. While we recognize this limitation may be inconvenient for some of our
customers, our intent is to help ensure the safety and security of their
personal identification information. A copy of the cardholder agreement, which
outlines our policy regarding declined transactions, has been sent to the
consumer. 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

Bankcard Services     November 20, 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 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. The consumer’s initial payment, applied to the account August 19, 2017, was reversed from the account when returned as Insufficient Funds on August 31, 2017. A block, placed on all accounts with a returned payment, would remain on the account until 14 days after replacement funds are applied to the account. A letter advising the customer of the return was requested that day, attempts to contact the customer by phone commenced September 1, 2017. The second payment applied to the account September 15, 2017 and was reversed from the account September 27, 2017 when it was returned to us as Insufficient Funds. The third payment applied to the account October 17, 2017 and was reversed from the account October 26, 2017 when it was returned to us as Insufficient Funds. Attempts to contact the customer by phone continued during this period. The payment source and all payments were entered into our system by the consumer. This payment source was deleted as well as any scheduled payments drawn on the payment source November 20, 2017. The consumer was advised he could resume payments using the deleted payment source with a letter from their financial institution confirming the account information. He was also advised of the 14 day block preventing purchases.  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]

Dear RevDex.com:This letter
is in response to your inquiry dated August 21, 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. The trade line has been
deleted and a confirmation letter of these actions has been sent for his
records. 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

Dear Revdex.com:This letter is in response to your inquiry dated December 13,
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. The credit balance has been electronically credited back to the
payment source used to make the payment. This should be completed in the next
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

Complaint: [redacted]
I am rejecting this response because:I have read the response submitted by genesis bankcard services and find their response didn't address my concern.  genesis states that there was no pre approval submitted and there would be no impact to my credit score.  my concern is as follows.  before I applied to genesis for a credit card, my credit rating was 731, or rated as "good".  afterwards my credit score fell to 711, a "c" in the ratings.  my question is why did it fall after submitting an application for a credit card through genesis's web site?  some action on genesis's behalf has to be responsible for causing it to fall by 20 points.  if I am in error, I apologize.  if I am not in error please help me to restore my credit rating back to what it was before I reached out to genesis financial services.
Sincerely,
[redacted]

Bankcard Services     July 10, 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 from your inquiry presented to us June 25, 2017, regarding a complaint filed with your office by the above referenced consumer.   We have spoken with Mr. [redacted] about account options and provided clarification where necessary. The consumer has been offered 30 days in which to identify a purchase to be financed using the Slumberland account; the account can be reopened the day of the desired purchase. The consumer also has the option of closing the account at their request if unable to find merchandise they’d like to finance. 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 1-866-726-5618.  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. Sincerely, [redacted]

January 16, 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 January 8, 2018, regarding a complaint filed with your office by the above referenced consumer, in which she asserted she no longer wanted the card, wanted the account closed, and wished to be credited back the $99.00 annual fee she paid.   We reviewed her account and found that there has been no recent purchase activity.  Her September billing statement informed her the fee would be assessed in the next billing period.  She did not request to cancel her account with us at that time, as reflected in her complaint.   She spoke with one of our representatives on December 24, 2017 and agreed at that time to keep the account open and pay the $99.00 annual fee if we would waive the late fee that had been assessed.  We regret that she has since elected not to keep the account with us.  Per this communication, we waived all fees and closed her account. We are in the process of returning the annual fee that she paid.        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   March 17, 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 12, 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. This account has been deleted from the consumers credit bureau reporting, and a letter confirming these actions sent to him at the address provided. 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     October 20, 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 October 12, 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. While several of the purchases were credited by the merchant(s), one purchase had not been credited. We have credited that purchase as a one-time-courtesy. In addition, the consumer’s credit bureau reporting is being updated to indicate the account as never late / always paid as agreed. A letter confirming these actions will be sent to the consumer once our actions can be completed. A statement confirming the $0 balance on the account is scheduled for November 8, 2017. We believe 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

March 2, 2017     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 22, 2018, regarding a complaint filed with your office by the above referenced consumer. We appreciate Mr. [redacted] bringing this concern to our attention and affording us the opportunity to clarify what has transpired. We wish to clarify that Mr. [redacted] established a credit account with Aspen Dental. We reviewed his account and found the following: Mr. [redacted] opened his account on 7/27/17 and financed a $600.00 purchase on a 12-month deferred interest plan. As enumerated on each statement, interest accrues and is denoted each month but will not be billed if the financed balance is paid in full before the end of the promotional period or 12 months.     The monthly payments are based on the financed balance and are set to ensure the promotional balance is paid before the end of the promotional period.  For a $600.00 balance, the payments would be $50.00.  This balance is scheduled to be paid off in July 2018, if payments are maintained as agreed. Payments are due on or before the 8th of each month. The first payment was due on or before 9/8/17.  Payments were maintained as agreed through his November billing period.  That is the last billing period in which a valid payment was received. On 10/17/17 a second purchase was financed on a 12 month deferred interest plan.  The first full billing period after that purchase started on 11/9 with the first payment owed on or before December 8th, so the first billing period for which payments were owed on both financed balances was December.  The scheduled payments increased from $50.00 to $100.00 in that billing period.  This is to ensure that both promotional balances are paid before each promotional period expires.  The second promotional period ends in October 2018. In December one of two $50.00 payments made in November was returned to us due to insufficient funds.  A $100.00 payment posted to his account on 12/7/17 but was also returned for insufficient funds on 12/14/17.  No other payments have been made since that time. We first contacted Mr. [redacted] on 1/11/18 and attempted to clarify that his payments increased due to the additional purchase, but he terminated the call. We have been unsuccessful in our attempts to speak with Mr. [redacted].  He returned our call on 2/10/17 but as soon as he heard it was regarding his Aspen Dental bill, he indicated he no longer wanted to speak with us, that he would report us to the Revdex.com and terminated the call. We regret if there is any confusion as to the type of account Mr. [redacted] established.  If he has a specific question about the credit agreement, a copy of which should have been provided to him upon establishing the account, he may contact us to discuss.   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 17, 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 August 10, 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 account to determine next steps. The account referenced in the consumer’s complaint is no longer owned by Bankcard Services. The payment mailed to our office was forwarded to the new account owner as is customary. The account history reflected on the consumer’s credit report accurately reflects her payment history during the time the account was serviced by Bankcard Services. We have spoken with the consumer and referred her to the new account owner, LTD, for additional information. 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

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. I await the "courtesy correspondence with additional details". When and how will I receive this information? Sincerely, [redacted]

Complaint: [redacted]
I am rejecting this response because:again my account never went over the limit due to my actions. Your website was misleading and never showed  account was over the limit. It always reflected my balance after the payment was mde.also there has been no attempt to reach me whatsoever. My cellphone is the number on this account and no one has tried to call me. Reverse these feed or this account count will not be paid on at all.
Sincerely,
[redacted]

Dear RevDex.com:This letter
is in response to your inquiry dated October 18, 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. We have updated
the account to remove any indication of bankruptcy as there was no indication
bankruptcy was discussed. In addition, the consumer’s history has been updated
on the account and steps to correct bureau reporting have been implemented; a
letter confirming that correction will be sent to the consumer. Copies of
statements not previously sent to the consumer have been requested and will be
sent to him for his records. The late fee assessed to the account during this
period has been credited and will appear on the next billing statement in
mid-November. Finally, the promotion period for this account has been extended
as the consumer’s ability to make monthly payments was inhibited by the coding
change previously placed on the account. We appreciate the consumer’s patience
while the corrections were made to his account and 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 [redacted].  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: while I appreciate their finally crediting my account on 7/13/17 for payments made 5/1/2017 and correcting the balance to zero. There is no apology for this having been thoughtlessly done and costing me much time to correct something that should not have ever occurred. Additionally, the threatening past due notes and the threatening collection calls have not been addressed. Neither has the issue of negative credit report comments.I do not delude myself that this company would ever apologize for having done this but I do expect them to STOP the collection calls and CORRECT my credit report to positive and STOP the threatening "past due" notices.They did NOT act ethically or honorably about my closing this account.
Sincerely,
[redacted]