Genesis Bankcard Services Inc

April 30, 2018     Revdex.com P.O. Box 1000 Dupont, WA 98327   RE:          [redacted] E [redacted]                 Case # [redacted]   Dear Revdex.com:   This letter is in response to your inquiry dated April 25, 2018, regarding an inquiry filed with your office by the above referenced consumer. Ms. [redacted] is concerned that she will not know if she can afford the previous offer within 10 days.   We wish to clarify we gave her until May 9, 2018, not 10 days; she has 10 days remaining as of today’s date. She has time to review her finances and let us know what she is able to afford.  Upon further review of her account and realizing she has other urgent bills to take care of, if Ms. [redacted] can pay the total amount due of $80.00 as reflected on her last statement, we will waive the remaining balance for her.   As previously communicated, we will review her account on 5/10/18 to complete the arrangement if the reduced payment of $80.00 is made; the updated amount to be paid has been denoted on her file.  We hope this is helpful to Ms. [redacted] and wish her well.   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...

The consumer has been assessed two late payment fees in the amount of $64. Credits for those fees were applied August 1, 2017 $27 and September 11, 2017. The consumer was offered a partial credit of $25 when she requested to close the account due to the Annual Membership Fee. That credit was applied to the account August 7, 2017. When she spoke with a manager about the fees in August, he accidentally recredited the August credits. The manager error was corrected; an additional late fee was credited. The consumer has been credited all assessed late fees and a total of $50 in credit has been applied towards the Annual Membership Fee because of the manager error. We believe our actions have addressed her concerns.

February 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 February 10, 2018 regarding a complaint filed with your office by the above referenced consumer, in which she asserted a balance letter requested to be issued to her mortgage company was never received by them. We reviewed her account and found the following. We documented the request and according to our records, we sent the letter to her mortgage company on 1/25, 2/9 and a third attempt on 2/12.  The fax number provided and denoted is 877-768-4184. We have received confirmation for the last two attempts that file transmission was successful to the number offered and denoted above. 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 Tell us why here...

February 7, 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 January 31, 2018, regarding a complaint filed with your office by the above referenced consumer.  We reviewed the account and found that we have already closed the account per a phone call on 1/31/18 and waived the annual membership fee.  A letter explaining that was sent the same day.   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:
Sincerely,
[redacted]  Your company has not given me a specifid time just requiring things that are defined as discrimination . Since talking to your reps I find it hard to believe that I am getting DIFFERENT answer all 4 times and ending with what the big deal is about getting info request. NO card company have a automated machine that request such a ridiculous request and yet you ask what the big deal is even though you have run my credit and have effected it by taking my score down by 10 points without knowing if I got approved by what your telling me, doesn't make sense why run my credit if your so called computer is asking to verify my ADDRESS nothing else! How does a computer randomly pick of all things a ADDRESS to be faxed in or mailed in??? You basically told me I need to comply with no explanations by all 4 reps and you even said they didn't MAKE sense but yet you doing the same thing by blaming a machine. So NOTHINGS guaranteed by what you telling me but you hit my credit and saying don't know.. I find it hard to believe so I will file my complaint with the appropriate federal bureau departments and also with the local oregon state attorney General. I am not threatened by your company as many would be but you are not going to hurt my credit and NOT GUARANTEE me that if not approved it wouldnt hurt my credit. I know at the time of you running my credit I had good enough credit as I applied for others and was approved with out sending any other info unlike you so called machine requested. So if you not going to issue me a card then you need to remind back the look up on my credit.

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
 
September 30, 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 September 21, 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 contacted the consumer/spouse with several available options and are awaiting the communication of their selection. We believe our actions on this account have addressed their 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 24, 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 21, 2015, regarding a complaint filed with your office by the above referenced consumer.
 
We appreciate Ms. [redacted] bringing this issue to our attention and apologize for the mis-communications that have attributed to her frustration. We have contacted the customer directly to share our plans on resolving the issue.     
 
We believe we have addressed Ms. [redacted] concerns, however, 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

My claim was not resolved.

January 26, 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 January 23, 2018 regarding a complaint filed
with your office by the above referenced consumer, in which he disagreed with
our prior responses. We believe we have adequately supported the accuracy of
our account history as well as the current owner of the debt.  Following is additional detail provided to
help clarify this belief.
Mr.
[redacted] is disputing the accuracy of our credit reporting.  The account history that we sent to him
previously reflects the following account activity.  The last payment was received
on 2/6/14 for $269.45.  Additional purchases
were made between 2/24 and 2/25/14 totaling $334.28.Statements were
issued and additional finance fees and applicable late fees were applied in
accordance with his credit agreement.  No
payments were received on the new balance and the debt eventually charged off.As
previously communicated, the account was sold to Galaxy International
Purchasing LLC after it charged off; their contact information is included
again for his reference. Mr.
[redacted] contacted Galaxy and asked that they delete his payment performance
detail that we are reporting, during the time we owned the account.  Galaxy management accurately informed Mr.
[redacted] that they cannot alter the information because they are not the ones
reporting that detail.The
information is an accurate reflection of the payment performance maintained on
his account while we owned the debt. To maintain the integrity of the Credit Reporting
system, we do not alter accurate, historical information.  If Mr. [redacted] has documentation that supports he
paid the additional charges applied in February 2014, he may submit them to our
attention for further review.
 
Galaxy
International Purchasing LLC
Phone Number: [redacted]                    Mailing Address:
4730 south Fort Apache Road
Suite 300
Las Vegas, NV 89147-79
 
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     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 28, 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 have reviewed the account to determine next steps. We contacted the consumer directly; a late fee has been credited to the account and the account has been reopened. 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 8, 2018
 
Revdex.com
P.O. Box 1000
Dupont, WA 98327
 
Re: [redacted]
Case #: [redacted]
 
 
Dear Revdex.com:
 
We received a complaint dated February 28, 2018 for the above named
consumer.  Mr....

[redacted] requested that we
close his account and waive the membership fee since he was not able to use the
account.
 
We reviewed our records and found that this request was fulfilled on
2/28/18 when Mr. [redacted] first contacted us; the account is closed, the
membership fee waived. We regret he was not able to utilize the services for
which he applied. 
 
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

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 9, 2018 regarding a complaint filed with your office by the above referenced consumer, in which she asserted she had never opened the account and had difficulty communicating with one of our call centers.   We appreciate Ms. [redacted] bringing this concern to our attention.  We reviewed her account and found the following. On December 15, 2017, an account was opened in her name; the contact information on file matches the information submitted with this complaint. On December 29, 2017, she called one of our contact centers upon receiving the card in the mail.  The representative asked questions in an effort determine if the consumer has an awareness of who may have perpetrated the fraud, which is to our mutual benefit to prevent. While there was a bit of a communication barrier evident in the call, the representative did submit a fraud request immediately to have the account closed as requested. The account cycled on January 3, 2018, before the fraud team had an opportunity to review the request.  We regret any confusion the timing of that billing caused. The account has been coded and closed as a fraud account, which prevents the account from showing on her 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

Complaint: [redacted]
I am rejecting this response because:  I have already sat down with my credit union and we went through my files.  Both myself and the bank representative called in to your bank services dept and tried to speak with your staff.  It of course, like every attempt went no where.  I can reschedule another appointment.  Which eats up more of my time, while my credit continues to go down the hill.  The bank found no information of your company even trying to pull the payments in question.  So I can get a signed document stating the same.  The bank also showed no times during the bill dates where my account had an insufficient balance to cover the payments you allegedly tried to pull from my account.  I tried to get this resolved the way you are now asking more than a month ago.  
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. I just want to add that the representative from Milestone called me back the same day that I filed my complaint. She listened to what happened, had me email her pictures and made me feel like she cared about my business. She made me feel like a valued client. She apologized for my previous experience. I missed a call from her today and unfortunately didnt get to my voicemails until late this evening. I logged into my account and the charge has been credited back to my account so the issue is resolved. I greatly appreciate the time she took to look into this further and get it resolved for me. Not only do I appreciate that she resolved it, but how she treated me alone made me feel so much better about the whole situation. Thank you Milestone! 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:As of today, March 23, 2018, after mail left, there again is NO check from Geneisis/Miilestone.Again, they LIED. It has been almost a month since they admitted they lied and would send out a check to me as soon as I sent the faxed statement from bank which I did on 2/27/2018. It does not take this long for a check to be made, mailed and delivered. I am again requesting check be mailed overnight. 
Sincerely,
[redacted]

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. The required monthly minimum payment for the consumer’s account is compiled of a minimum payment for each Purchase transaction; there were two Purchase transactions at the time of the payment referenced in the submission. Minimum Monthly Payment amounts based on purchase as well as required monthly payments are disclosed in the consumer’s Cardholder Agreement. We understand the consumer’s intent and have credited the finance charges as a one-time-courtesy. She will see this credit on her next statement. We have also adjusted the payment allocation to ensure the initial purchase is paid in full with the consumer’s next payment. If the consumer would like to pay the balance of a single Purchase transaction in the future our customer service staff can supply her with that total. 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

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]

Hi,My.complaint - ID #[redacted] has been resolved by the business. Thank you very much for your help.Best,[redacted]

Bankcard Services
 
 
August 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 September 8, 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 updated his account to Settled in Full as of the date of his last payment. Confirmation of this action has been sent to the customer and shared with the credit reporting agencies. We have also contacted the consumer directly to work out a repayment plan that better fits into her budget. We believe our actions on this submission have addressed the consumers 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