Genesis Bankcard Services Inc

Dear RevDex.com:This letter
is in response to your inquiry dated November 2, 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. All interactions
were reviewed A payment for the amount due was received November 1, 2017 and
the account is current. $183 in fees has been credited to the account over the
past 6 weeks, most recently today.  While
we have made contact with the customer, we have not been able to discuss the account
in detail with her. We will continue to make attempts to contact 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

Hi-I saw that the case was closed, however I did not respond to the email because I am still waiting for the bill to be send from Genesis. I've since received 2 mailings from them with 2 credit cards. I still have not received a bill and do not see that this has been taken care of since I have not received a a new bill. Thank you,[redacted]

[redacted]   March 6, 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 27, 2018 regarding a complaint filed with your office by the above referenced consumer. [redacted] acknowledged paying her account balance with a collection agency and not Genesis FS Card Services.  She believes we should update her account to a positive status and since she paid the settlement four months ago, we should delete the trade-line from her credit file for the delay in not updating it.  We reviewed her account and found the following. The Milestone account was opened on 5/9/16 and the annual $59.00 membership fee applied to the account the same day; purchases were financed in June and July totaling $234.38 for a total indebtedness of $293.38.We received one payment of $40.00 on 6/22/16.  She was past due on her account from July 2016 until the account charged-off in February 2017.Upon charge-off the account was sold. As [redacted] acknowledges in her complaint, she paid the settlement to the collection agency to whom the debt was sold in October 2017.We reviewed her account with the three major consumer reporting agencies.  The account is being reported accurately with the detail referenced above, including the fact that the debt was sold and when it first went delinquent.Adverse action such as charge-off may report for up to 7 years from the date it first went delinquent, or from July 2016 for this account.As participants in the credit reporting process, we do not alter historical, accurate payment performance.  This is to maintain the integrity of the credit reporting system.The agency to whom she paid the settlement would be obligated to report the payment, if they elect to participate as a data furnisher, but that is not a requirement.  If they are not participants, she should retain the record of her payment from them for reference as needed. 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 Tell us why here...

February 23, 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 17, 2018, regarding a complaint filed with your office by the above referenced consumer. She is upset that her account was closed to future purchases after one year of good pay history.   We reviewed Ms. [redacted]’s account and found the following.    She opened her account with us on 2/2/17, as she asserted.  Ms. [redacted] paid as agreed every month until October 2017.  Beginning in October and in three out of the last four billing periods since, payments have been returned to us due to insufficient funds, including the most recent billing period for which a statement was sent.  Her statements have reflected that payments were returned and why.The payment performance is an accurate reflection of what has transpired on her account recently.  If Ms. [redacted] is having difficulty with her bank or has documentation that refutes our findings, we would be happy to review and resolve any issues she is experiencing.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...

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 will be working with Bankcard Services with any other issues that may arise. Sincerely, [redacted]

Bankcard Services   March 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 February and received March 3, 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 submitted fax was routed to our processing group and a payment was deleted; only one payment applied to the account. Should an urgent matter arise in the future, calling during our hours of operation will help to ensure the concern is quickly addressed. 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:  This business illegally solicited an invitation in the false pretense of "pre-qualified" and therefore coerced me into providing my credit information, then rejected the offer, which led to negative action lowering my credit score. In their refusal to remove the inquiry, this has led to the illegality of this business's practices.  I am wanting this inquiry removed from my credit report, and have this company charged with falsifying information.
Sincerely,
[redacted]

July 20, 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 July 10, 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 the requested action on the consumer’s behalf; the account will remain open and additional updates will be made per recent conversations with the consumer. We would like to provide additional details to this customer but have been unsuccessful in our attempt to contact 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

Bankcard Services   March 29, 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 20, 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 we appreciate the consumer’s balance in full payment March 29, 2016, paying off the balance doesn’t automatically result in an account closure nor were we able to locate any calls between our office and the consumer in 2016 requesting the account closed. The account was closed per the consumer’s request March 20, 2017; a confirmation letter was sent at that time. A letter confirming the balance and status of the account has also been sent. 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.
 
Please close out this dispute/complaint. The company has resolved the issue.
Sent from Yahoo Mail on Android
Sincerely, [redacted]

Bankcard Services     July 3, 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 June 25, 2017, regarding a complaint filed with your office by the above referenced consumer.   We appreciate [redacted] bringing this concern to our attention. After reviewing the information and requested resolution contained in the consumer’s complaint, we reviewed the account to determine next steps. As [redacted] stated, the account was closed due to lack of use which is our policy. While we’re unable to delete the tradeline, we do have other options we can offer such as reopening for use for a limited period or changing the status of the closure. Our attempt to contact the consumer directly to discuss possible options was unsuccessful.  Should the consumer wish to discuss these options, they can contact us directly. 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 1-866-726-5618.  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 8,
2017, regarding a complaint filed with your office by the above referenced
consumer. We appreciate Mr. [redacted] bringing this concern to our
attention. The account referenced in the consumer’s complaint was...

labeled as
Identify Theft November 22, 2016, and should have been deleted from his credit
reporting at that time. We have once again requested the account be deleted
from the consumer’s credit file. The Control #[redacted] should be referenced by
the consumer should the account continue to reflect on his bureaus. In
addition, a letter confirming the deletion of the trade line is also being
sent. 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

April 18, 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 April 12, 2016, regarding the rejection to a complaint filed with your office by the above referenced consumer.
The customer is correct in that we have made no changes to her account; in our direct contact with the consumer we discussed the reasons changes would not be made as well as provided suggestions that may help to resolve some of her requests. While we do not offer a credit line increase program, there may be opportunities with other lenders for a higher line of credit. Her other point was in reference to credit bureau reporting, which is accurately reflected for Ms. [redacted]’s account.
               
At this time, we consider the matter closed, but if you or the consumer would like to discuss this further, 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
 January 6, 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 December 30, 2016, regarding a complaint filed with your office by the above referenced consumer.
 
We appreciate Mr. [redacted] bringing this concern to our attention. The consumer’s selection of the Unsubscribe button should stop all future invitations to apply for our product within 10 days of its selection. In the meantime, we have added the consumer’s email address to additional lists that will immediately prevent future contact on our behalf. We believe our actions on this submission have addressed his concerns.     
 
We hope this resolves this matter, but if you or the consumer has additional questions or concerns or the consumer would like to share a copy of any of the email solicitations he’s received, 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

July 21, 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 July 19, 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 begun the process of deleting the trade line from all credit reporting. 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

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 8, 2018, regarding a complaint
filed with your office by the above referenced consumer. We appreciate [redacted]
bringing this concern to our attention and affording us the opportunity to
clarify what has transpired. As
confirmed in his complaint, he is not the account holder, but rather a person
with whom we are authorized to discuss the account.  Since this complaint was not initiated by the
account holder, we are limited in what we can share.  We will clarify aspects of how our deferred
payment promotions work for any consumer.
For any consumer who purchases on a deferred interest promotion, 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.  The statements
also denote that for promotional deferred interest plans, more than the
minimum each month must be paid in order to make sure the financed balance
is paid off in the specified time frame. 

During the promotional period, if only the scheduled minimum
payments are maintained, the accrued interest will be applied to the
account after the promotional period ends.
To prevent that, additional payments or increased payments may be
made.  This can be accomplished by
dividing the remaining financed balance by the number of months remaining
in the promotional period. That amount or more must be paid each month.
 
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 24, 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 April 16, 2018, regarding a complaint filed with your office by the above referenced consumer. Ms. [redacted] is upset that late fees are still being assessed on her closed account and the frequency of the phone calls she has been receiving. We have reviewed Ms. [redacted] complaint and below are our findings.   On August 1st, 2017 Ms. [redacted] called in to close the account for future purchasing. Although Ms. [redacted] closed the account, she is still responsible for making her minimum monthly payment on her assigned due date of the 9th of each month. Ms. [redacted] asserted that she should not be assessed any further late fees. The late fees assessed to the account are due to payments not being submitted on or before her due date and are assessed in accordance with her credit agreement. Upon receipt of this complaint, we coded the account as a cease and desist; no further calls will be placed and she will only receive written correspondence from us. We understand our customers encounter hardships and we do have programs for them.  All payment programs require payments to be maintained monthly. We are sorry to learn of the medical hardships and expenses Ms. [redacted] has experienced.  In light of that, we will accept a final payment of $95.00 and we will clear the remaining balance.  The payment will need to be made on or before her next billing cycle ends; by 5/9/18.  We have documented her account to reflect this offer and will review on 5/10/18 to complete the arrangement if payment is made.   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...

March 8, 2018 Revdex.comP.O. Box 1000Dupont, WA 98327 Re: [redacted]Case #: [redacted]  Dear Revdex.com: We received a complaint dated February 28, 2018 for the above named consumer.  Mr. [redacted] is upset that the automatic...

payments he established online did not function as anticipated. The issue caused him to be billed a late fee, which he does not feel is appropriate.  We reviewed his account and found the following.Mr. [redacted] did establish automatic payments.  He set the payment to be his scheduled minimum payment plus $5.00.  Based on his balance at the time he established the recurring schedule, the payment amount was sufficient.In a phone conversation with Mr. [redacted] on 2/27/18, we incorrectly informed him that his promotional period expired and that was why his minimum payment increased.  The minimum payment increased on Mr. [redacted]’s account because a new purchase was financed in December.  A coaching package was sent to the Manager of the representative to prevent a reoccurrence.Due to the purchase, his minimum payment increased $25.00.  Please note we cannot alter consumer electronic payments without their consent.  There is an option to set the recurring payment for the minimum billed on each statement, but a fixed payment was established.  We apologize if that was not clear at the time he established the schedule; he can still do so if he would prefer.Given his prior payment performance and the misunderstanding about the recurring schedule, we have waived the late fee as requested.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

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 February 11, 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 waiving the late fee. 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 directly with him. 
We hope this resolves this matter, but if you or the consumer have 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   February 21, 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 February 14th, regarding a complaint filed with your office by the above referenced consumer. We appreciate Mr. [redacted]’s request for a courtesy fee waiver as a result of his returned payment. We don’t generally waive fees associated with returned payments as we are also assessed a fee when this occurs. Because of the customer’s payment history and longevity as our customer, we have credited half of the assessed fee as a one-time courtesy. 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