Genesis Bankcard Services Inc

Bankcard Services
 
August 3, 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 21, 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 made arrangements to settle her account and provide a letter of confirmation for the agreed upon amount on the agreed upon dates. We have contacted the customer directly to discuss the plan for resolution and 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

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 am happy the business closed the account and removed this fraudulent card off my credit report ad have absolved me  from any responsibility for this fraudulent account open without my consent.Sincerely, Dr. [redacted]

Bankcard Services
 
June 2, 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 May 24, 2016, regarding a complaint filed with your office by the above referenced consumer.
 
We appreciate Mr. [redacted] bringing this issue to our attention. We have reviewed the information and requested resolution contained in the consumer’s complaint. The balance, status and history of the customer’s account has been accurately reported to the credit reporting agencies.  Documentation supplied by the customer intended to provide a record of a missing payment made to our company reflects a payment made to a company with which we have no affiliation.  We have attempted to contact the consumer directly in hopes of resolving this matter but have been unsuccessful in reaching them.
 
If you or the consumer has additional questions, 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

March 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 March 8, 2018, regarding a complaint filed with your office by the above referenced consumer. Ms. [redacted] is upset that she was charged a late fee after canceling her payment.  She did not recognize our full business name on her bank statement and reversed it. We wish to clarify that a late fee was not billed, but rather a reverse payment fee.  We reviewed her account and found the following. As asserted Ms. [redacted] has maintained her payments as agreed each month, until the name updated in the payment system from Bankcard Services to Genesis. We regret that our full name was not known to her and apologize for any frustration that caused.  “Genesis Bankcard Services” is listed on the home page of the Indigo website, and both names are listed in the website terms; however, we do recognize that is not the name with which she was familiar when making her payments, and we appreciate that would be disconcerting.  We waived the reverse payment fee as a courtesy.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...

Complaint: [redacted]
I am rejecting this response because: I made a payment for $50 which was processed. If a payment was made in March why would another payment be made on the same month. They are not acknowledging my $50 payment. My account should not be restricted when I made a payment and their online system was not reflecting what I owe it was showing $0 owed. 
Sincerely,
M[redacted]

February 21, 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 21, 2018, regarding a complaint filed with your office by the above referenced consumer. She wants reassurance that her account is truly closed.  We regret that we did not clarify that in our previous response; the account has been closed since 1/12/18.   The balance owed does not impact whether or not the account is open for future purchases.  The balance is owed for activity that transpired after the account was closed, as we communicated previously.   I offered via this complaint process to waive the returned payment fee after [redacted] reimburses us for the refund she received for the returned payment.  [redacted] may contact me directly to confirm this is completed; my direct number is [redacted]  She may pay over the phone by calling the number below.   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,     [redacted] Tell us why here...

July 29, 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 21, 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 made arrangements to settle her account and provide a letter of confirmation for the agreed upon amount on the agreed upon dates. We have contacted the customer directly to discuss the plan for resolution and 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

Bankcard Services
 
October 27, 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 October 23, 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 reviewed the account to determine additional actions that may have needed to be taken. While the account was closed and the balance credited on September 26th, updates reflected on the credit bureaus could take up to 60 days. A letter confirming the account closure, $0 balance and updated request to the bureaus has been sent to the customer. 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

Bankcard Services     October 4, 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 September 29, 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 accounts to determine next steps. We know the consumer and all customers who have been in the wake of the multiple storms hitting our coasts have had to and will continue to face challenging times. We appreciate the consumer’s patience while we processed the numerous requests for assistance. We have made the changes our Disaster Relief Program allows which includes decreased minimum monthly payments and two fee credits per account for the past two months as well as a lowered APR. We have been unsuccessful in our attempt to contact and advise the consumer of the changes made to his accounts. 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

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]

February 19, 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 14, 2018, regarding a complaint filed with your office by the above referenced consumer (originally submitted January 30, 2018, but revised and resubmitted with additional information.) She is concerned about the automatic payments that she established with our company. We reviewed her account and found the following.    As asserted [redacted] financed furniture on her account in the amount of $1,386.00 on 11/9/17.  Her first payment was owed on or before 12/11/17. She paid $100.00 on 12/11/17 but there was a delay in that payment posting to her account. Please Note: If payments are posted after 5:00 PM EST, that can cause them to be delayed in posting to the account. Since the system did not reflect a payment when the December billing processed, the system billed her for $200.00, due on or before 1/11/18.  That payment of $200.00 was auto-debited as [redacted] asserted from her checking account.  By the time her next billing statement processed, the $100.00 from 12/11/17 was reflected as well as the $200.00 payment from 1/11/18.  Payments are owed in each billing period, regardless of how much additional monies are paid in the prior billing period.  Additional monies paid are credited against her overall indebtedness.  We did offer to credit the $100.00 overpayment back, but [redacted] already had both the $100.00 and $200.00 payments reversed at her bank. If [redacted] submits bank statements reflecting that the $200.00 January payment caused her any overdraft charges, we will be happy to credit her back for those charges. She can submit her bank statement via fax to 503-268-4711 or mail a copy to Genesis FS Card Services, P.O. Box 4485, Beaverton, OR 97076-4485. [redacted] also purchased on a 12 month promotional plan with deferred interest. It should be noted that in order to pay off the balance before the end of the promotional period, more than the scheduled minimum must be paid each month.  This is denoted on each statement.  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. They have done everything asked of them and thank them for resolving the issue.Sincerely, [redacted]

Bankcard Services     September 5, 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 27, 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. All interactions with the consumer were reviewed and it was discovered the account number provided during activation was for the account listed as lost; the account activated was not for the card the consumer had in his possession at that time. Feedback / redirection has been provided to all agents who spoke with Mr. [redacted]. We have also issued the consumer a courtesy credit of $25 as appreciation for his patience while the events in his submission were investigated. 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

September 21, 2017Revdex.comP.O. Box 1000Dupont, WA 98327RE: [redacted] Case #[redacted]Dear Revdex.com:This letter is in response to your inquiry dated September 12, 2017, regarding a complaint filed with your office by the above referenced consumer. We appreciate [redacted]...

[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. When the consumer called to update his address, his call should have been transferred to another department to process the change. We apologize that the proper process was not followed. We require applicant confirmation in the form of a valid driver’s license and one other piece of documentation confirming the updated address in order for the card to be sent. A letter requesting these items has been sent to the customer. Again, we apologize for the improper handling and delay in receipt of the new card. The fee will be adjusted and history corrected once the requested applicant confirmation has been received. 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

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
 
January 27, 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 18, 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 reviewed the account, reached out to the merchant for additional information and reviewed recent conversations between the consumer and Bankcard Services. There have been several credits from the merchant on the consumer’s account reducing the balance considerably. Additional credits have been applied to remove the two late fees assessed to the account. The current balance is less than $200. We have been unsuccessful in our attempts to contact the consumer directly but 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 19, 2018  Revdex.comP.O. Box 1000Dupont, WA 98327 RE:          [redacted]                 Case # [redacted]  Dear Better...

Business Bureau: This letter is in response to your inquiry dated February 12, 2018, regarding a complaint filed with your office by the above referenced consumer. She stated she believes she should have a zero balance and wanted a letter confirming that. We appreciate [redacted] bringing this concern to our attention and for acknowledging receipt of the refund we issued. We reviewed her account and found the following.    She paid for the $99.00 annual fee on December 26, 2017. On January 17, 2018 we processed a credit for the fee and a refund was issued two days later on January 19, 2018. That same day, her original payment from December 26 was reversed by her bank.  In light of that, a returned payment fee of $27.00 was assessed to her account in addition to the added charge back for the returned payment for a total indebtedness of $126.00. Her January statement printed on January 22, 2018 and reflected these charges. She called and spoke with a representative on February 11, 2018.  In that call she also acknowledged receiving the check from us for the refund.  We apologize for the long hold time while waiting for an explanation and a supervisor during this call.  The issue is clearly denoted on her account and her January statement. [redacted] needs to reimburse us for the refund she acknowledged receiving in light of the fact that her payment for which the refund was issued was returned to us.  The Supervisor did explain that to her but [redacted] did not understand that her original payment was returned to us. If she reimburses us for the $99.00 refund issued, we will waive the returned payment fee.  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       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 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 reviewed the account to determine next steps. The customer was misinformed on the amount he was asked to pay. A payment of $150 was due by September 18, 2017 and was received September 15, 2017- before the due date. The next payment of $150 was due October 18, 2017, but was not received until October 20, 2017. When the account cycled on October 19, 2017 a new statement was sent to the customer that indicated $150 was past due for October and the next $150 would be due by November 18, 2017. There was a late fee billed in the amount of $25 since the October payment was late. Since the November statement was sent before the October payment was received, an additional payment was received from the customer on November 16, 2017 for $300. This payment brought his account up to date and the next payment will be due January 18, 2017. Since the customer has a good payment history, the $25 late fee billed in October was waived. The credit has been applied to the consumer’s account before his next billing statement; that statement will be sent next week and will show the credited fee. 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

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
 
August 8, 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 August 6, 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 contacted the customer directly to gain a clearer understanding of her concern. The account in question was her Milestone account, issuing bank of Mid-America Bank & Trust Company; Milestone was not included in the trade line which caused minor confusion. We confirmed that account has been closed for some time and always paid as agreed. 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