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. Sincerely, [redacted]

December 26, 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 December 23, 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. We have located the payment in the amount of $570 that was made by the customer through our automated phone system and posted to the consumer’s Aspen Dental account ending in 3125 on January 27, 2017. After the $570 payment was applied to the consumer’s Aspen Dental account, the remaining balance owed was $701.01. We have not received payments toward the Aspen Dental account since January 27, 2017. A copy of all payments received and posted to the consumer’s Aspen Dental account was sent to the consumer and she should receive this sometime in the next week. While we appreciate the consumer’s diligence in monitoring their credit report, this account was transferred to a third party and has not been with our company since October 2017. The account was charged off and sold to a third party company by the name of Credit Corp Group. At the time the account was transferred the balance was $1062.87. The contact information for Credit Corp Group is listed below. We will not be making any changes to the consumer’s credit report in regards to the Aspen Dental account as it was reported accurately by us.   Additionally, we found the consumer also has a Milestone MasterCard account with us that ends in the digits 2707. The last payment received on the Milestone account was received and posted to the Milestone account on April 25, 2016 leaving a balance on the Milestone account of $228.14. We have not received payments toward the Milestone account since April 2016. A copy of all payment received toward the Milestone account was sent to the customer for review and should be received in the next week. The Milestone account was charged off and sold to a third party company by the name of Galaxy International Purchasing, LLC on December 30, 2016. At the time the Milestone account was transferred, the balance was $568.42. The contact information for Galaxy International Purchasing, LLC is also listed below. We will not be making any changes to the consumer’s credit report in regards to the Milestone account as it was reported accurately by us.  We believe our actions have addressed her concerns.   Credit Corp Group Phone Number: [redacted] Mailing Address: [redacted]
    Galaxy International Purchasing, LLC Phone Number: 800-305-9811 Mailing Address: [redacted]   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

December 8, 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 December 7, 2017, regarding a complaint filed with your office by the above referenced consumer.  We appreciate Mr. [redacted] bringing this concern to our attention. While we do see that the consumer submitted a prequalification form for a Milestone Gold card on November 25, 2017, there was no preapproval submitted; there would be no impact to the consumer’s credit report by us. If the consumer is able to provide documentation that indicates an account or inquiry from us appears on his bureau, we can reopen the investigation and make any necessary corrections. 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
September 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 September 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 taken action on the consumer’s behalf by providing a courtesy credit in the amount of $10.28 for finance charges assessed after the account promotion period ended. This credit will appear on her next billing statement dated October 20, 2016.  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

Complaint: [redacted]
I am rejecting this response because:the business should at least waive the $27 return fee as a courtesy
Sincerely,
[redacted]

Bankcard Services
 
November 17, 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 15, 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. All documentation received confirms the purchase was not made by the consumer. The status of the account has been changed to prevent future collection attempts, a request to delete the trade line has been submitted to the three major credit reporting agencies and a letter of confirmation has been sent to the consumer. 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

November 5, 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 October 31, 2015, regarding a complaint...

filed with your office by the above referenced consumer.
We appreciate Ms. [redacted] bringing this issue to our attention. We have contacted the customer and are working with her to resolve the issue as quickly as possible.   
In the meantime, if you or the consumer have additional questions or concerns, 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.
Its pretty wrong that slumber land caused this but always like my options opened Ill see when in at least 30 or 60 days when slumberland responds 
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. However, I received a bill with a credit just this past Monday February 26th. So, please be sure that the account is closed in good standing with the credit reporting agencies as well. I had difficulty obtaining a vehicle due to your company's treatment of my account and inaccurate reports to the credit reporting agencies, specifically [redacted]
Sincerely,
[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

Bankcard Services     June 23, 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 16, 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. A refund check was mailed and returned to our office due to invalid mailing address; we have been unable to confirm the consumer’s mailing address. Ms. [redacted] made her payment through our online payment system which gives us the option of returning the payment to the same account. That credit should appear on her checking/savings account early 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

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 June 1, 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 credited his first year’s Annual Membership Fee. Additionally, we have contacted the consumer directly to discuss the desired outcome and ensure his satisfaction with the resolution of this submission. We believe our actions on this account 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   March 2, 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 21, 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 to determine next steps. Payment allocation for this account is divided amongst purchases meaning a portion of the payment is applied to each purchase; she does not have the option to determine which purchase to which the payment will apply. As a courtesy, the applied finance charges have been credited. In the future, the consumer will want to speak with a Bankcard Services representative in order to ensure the payment is sufficient to pay off the intended purchase. 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.comP.O. Box 1000Dupont, WA 98327RE:         [redacted]                 Case
#[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 closed
the consumer’s account per his request and initiated a request to have his
credit bureau reporting corrected. Letters confirming our actions are being
sent to the consumer directly. In addition, feedback has been provided to deter
future such errors. We have contacted the consumer directly to advise of the
steps we’ve taken 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 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]

March 10, 2017Revdex.comP.O. Box 1000Dupont, WA 98327RE:          [redacted]
[redacted]                  Case
#[redacted]Dear RevDex.com:This letter
is in...

response to your inquiry dated March 2, 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. Our records
indicate no conversation between us and the consumer during the timeframe
indicated. We spoke with the consumer in December 2015 but not again until
March 2016. The consumer chose to enter/create payments himself using our
website rather than request a representative set them up on his behalf. There
is no error in payment history being reported on this account. 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 ServicesPlease let me know if there are questions. Thank you, Sarah

December 21, 2017   Revdex.com P.O. Box 1000 Dupont, WA 98327   Re: [redacted] Case #: [redacted]     Dear Revdex.com:   We received a complaint dated December 19, 2017 for the above named consumer in which it was asserted that a double...

payment was made on our website for her Kay Jewelers account.  We reviewed the account and found the following: ·         Ms. [redacted] missed her November payment, so she had a past due of $50.00 in addition to her regularly scheduled payment of $30.00, for a total of $80.00 due on or before 12/15/17. ·         She scheduled a payment in the amount of $80.00 payment on 12/1/17. ·         On the same day, she enrolled in recurring payments; the system set the payment for the amount she had entered, $80.00. ·         The system processed the next payment on the following due date per the recurring payment schedule established on 12/1; that was on 12/15/17. ·         The recurring payment schedule was cancelled on 12/19/17.   We understand that it was not her intention to establish the payment for that amount or to begin them in the same billing period.  We regret if there was any confusion when establishing the payment schedule.  A request has been submitted for a refund of the 12/15/17 payment of $80.00.  That request should be fulfilled by 12/29/17; Ms. [redacted] should allow 3 business days, or January 4, 2018, to receive the refund.    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 FS Card 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. However I have unsubscribe 3 other times well past the ten days so on 8/29/2016 for this latest one there fore I expect based on your response that I will not receive anymore starting 8/30/2016 ,.Sincerely, [redacted]

Bankcard Services     July 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 June 26, 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. All purchases not recognized by the consumer were credited and her card has been reported compromised. A replacement card should be received by the consumer in the next 7-10 business days. We have also credited the $75 Annual Membership Fee, assessed to the account upon opening, as a courtesy for the inconvenience. Our attempts to contact the consumer directly to advise her of the steps we’ve taken to resolve the situation were unsuccessful. 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 1-866-726-5618.  Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.   Sincerely,     Bankcard Services

January 31, 2018 Revdex.com P.O. Box 1000 Dupont, WA 98327   Re: [redacted] Case #: [redacted]   Dear Revdex.com:   We received a complaint dated January 25, 2018 for the above named consumer in which he stated he did not give Signet Jewelers, dba Kay...

Jewelers (Kay) or its service provider, Genesis FS Card Services, permission to contact him at his personal phone numbers and that calls continued to his place of business after he asked that we stop.  We reviewed his account and a summary of our findings follow. We wish to clarify that the disclosures provided online and which must be acknowledged prior to establishing the account do authorize calls to any number provided on the application.  In addition, a means to contact Kays is provided should an applicant wish to opt out. •     [redacted] opened his account with Kay on 9/13/17 via an online application. •     Purchases were financed on the account between 9/15/17 and 9/28/17 totaling $374.76. •     No payment was owed until the first full billing period; on or before 11/8/17. To date, no payment has been made on the account.  We first called [redacted] on 11/11/17 at the home phone number provided on his application.  At that time he indicated he had moved, so we updated his address.  He also indicated he was driving and promised to call back to process a payment over the phone.  No objection to receiving phone calls was made at that time.After no call back was received, we called and reached [redacted] at the home phone on 11/20/17.  At that time he stated he had not received a statement; we shared that we did issue one and offered to send him a reprint for a nominal fee, or he could access it free of charge online.  At this time [redacted] requested no further calls to the home number on the account; the home number was removed the same day.On 11/30/17 we reached [redacted] at his place of employment, as provided on the application.  He asked us to call him on his personal phone and disconnected the call before any additional clarifications could be made.  We attempted one more time to reach [redacted] at this number on 12/20/17.  At this time he clearly requested that we not contact him at his place of employment and hung up. We immediately removed the number and no further calls have been made to that number.   We have issued statements and letters to [redacted]; we regret that there are issues receiving them through standard US Mail.  We have informed him of alternative ways to view his account activity.  While we did make two attempts to reach [redacted] at his place of employment, no personal information was shared, the attempts were limited and several weeks apart. The address we have on file is not the same address denoted in his complaint; we received a postal notification of this new address and based on that and this complaint, we updated his address in our files.  [redacted] may confirm his address with us or view his account online at kay.myfinanceservice.com. We have marked the account as a cease and desist to prevent any collection letters from being issued, however he should receive his statements now that the address has been updated.  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...