Genesis Bankcard Services Inc

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

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 13, 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. While our system does not have email or receipt generator capabilities, we are able to mail or fax a letter barring any holds placed on the account; this letter was requested to be faxed, there was no answer to that call. Our website is another option for payment confirmation; his payments can be viewed at www.MyGenesisCredit.com . We contacted the customer directly but were unable to provide this level of detail. 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:
Sir/ma’am your company JUST called my brother in law on 3/29/18 concerning this matter and I also received a letter in the mail I don’t want you to alter anything I want you make sure you’re reporting correctly or not report at all. You may need to follow up with the company you sold it to because they said you recently updated the information with them to continue to pursue and threat of a possible judgement 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:  please see the attached letter.  this has nothing to do with the Milestone account.  This is strictly for the Aspen Dental account for which multiple payments are missing.  Please see attached letter to credit corp for which they indicated that they can not do anything to assist.  
Sincerely,
[redacted]

May 12, 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 3, 2016, regarding a complaint filed with your office by the above referenced consumer.
 
We appreciate Ms. [redacted] bringing this issue to our attention. We have reviewed the information and requested resolution contained in the consumer’s complaint. While the balance and status of the customer’s account are accurate and include unsatisfied purchases, we would like to offer options to help resolve this matter; those options must be discussed directly with her. We have attempted to contact the consumer directly in hopes of resolving this matter but have been unsuccessful.
 
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

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 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 29, 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 closed the customer’s account per her request and credited the Annual Membership Fee; information shared with the credit reporting agencies reflects the account handling. 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

July 1, 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 June 30, 2015, regarding a complaint filed with your office by the above referenced consumer.
 
After reviewing the information Ms. [redacted] provided and the requested resolution contained in the consumer’s complaint, we have taken action on the consumer’s behalf in regards to stopping all collection related calls.       
 
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

February 20, 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 14, 2018, regarding a complaint filed with your office by the above referenced consumer. She is inquiring about a payment that was submitted on an old purged account and was requesting a refund.   We reviewed her account and found the following.    We located the account when she spoke with us on 2/13/18; we initially explained the account was no longer on file and later clarified the account was purged.  We explained that we needed to contact our payment department to confirm the receipt of the payment and would call her back. A person with whom we are authorized to speak, Sylvia Bolden, called us again on 2/15/18 asking about the $100.00 payment.  We explained that there is 14 day hold on refunds when check payments are submitted to ensure the payment is valid before refunding the funds. We clarified that the refund will be processed on 2/26/18, provided the original payment is not returned by her bank.   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...

January 18, 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 11, 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 reviewed his account and found the following: Mr. [redacted] opened his account on 10/8/16 and financed a $3500.00 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 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 12-month promotional period, only the scheduled minimum payments were maintained which were insufficient to pay off the promotional balance; a total of $1,830.00 in payments were paid.  While there were months in which double payments were made, that was to compensate for a prior missed payment and we waived some applicable late fees for Mr. [redacted] as a courtesy. Since the total amount paid is less than the financed balance, the deferred interest that had accrued during the promotional period and which were reflected on his statements were billed in November 2017.   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...

November 8, 2017  Revdex.comP.O. Box 1000Dupont, WA 98327 RE:         [redacted]                  Case #[redacted]  Dear Revdex.com: This letter is in response to your inquiry dated October 31, regarding a complaint filed with your office by the above referenced consumer. The initial response to the consumer’s submission was rejected by the consumer  Mr. [redacted] rejected our response and provided three attached documents. Two of those documents were copies of our response to the consumer’s initial claim dated November 7, 2017. The third appears to be a copy of the trade line from a creditor by the name of Central Credit, with which we have no affiliation. As previously stated, the trade line addressed and deleted as a result of this submission was the Milestone MasterCard account. We suggest any concerns the consumer may have with Central Credit be directed to them. 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

Bankcard Services
 
November 10, 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 3, 2016, regarding a complaint filed with your office by the above referenced consumer.
 
We appreciate Ms. [redacted] bringing her concern 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 and found all assessed fees have been the result of late payments. The DEBIT LATE Fee referenced in the original submission was a correction to a double credit of fees accidentally applied to the consumer’s account; the intent was for a single fee credit in return for payment. As a courtesy, all statements as well as a recap of debits and credits applied to the consumers account have been sent per her request. 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

Dear Revdex.com:This letter is in response to your inquiry dated December 12,
2017, regarding a complaint filed with your office by the above referenced
consumer. We appreciate the consumer contacting us in regards to his
experience with our account and his patience while we review...

and resolve his
claim. Because the consumer was never able to use the account and the card was never
activated he is not responsible for any fees assessed to the account. All
assessed fees have been credited and a request to refund those fees has been
submitted. The consumer will receive a reimbursement check of $132.40. In
addition, the account has been closed per the consumer’s request; there has
been no negative reporting for this account.  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

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 he expressed dissatisfaction with his recent experience with us and our business partner, Jared.  We reviewed his account and found the following; You financed a diamond engagement ring on September 29, 2017; the purchase was rung on a regular interest bearing finance plan and the $585.00 down payment was processed as a regular payment Jared, the Galleria of Jewelry does have a 30-day return policy; by the time the billing issue surfaced, that time frame had passed.  The store called on his behalf on November 4, 2017 to inquire about the no-interest plan.  We informed the store at that time to return the regular payment and process it as a down payment and select the correct financing plan.  On January 5, 2018 he spoke with a team member at Genesis; at that time the finance fees were credited to his account and the interest rate was changed to 0% interest for one year, per corrections made at the store level and that discussion.   We apologize for the frustration the delay in processing this request had for him and his fiancée.  We appreciate the opportunity to correct the situation.  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
 
January 31, 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 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 her account terms and payment allocation. The minimum monthly payment requirements, payment allocation and promotional period are based on the terms of her account and are correct. We would gladly review any documentation the consumer may have supporting her claim of an extended promotional period. Also, payments less than the minimum requested on the statement, late payments or missed payments can increase the minimum monthly payment amount and/or cause a delay in the expected pay off date due to Late Payment Fee assessment. 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

April 9, 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 29, 2018 regarding a complaint filed with your office by the above referenced consumer. The complaint stated a payment was made in advance on the account which was not applied to the corresponding month. Upon review of the account, the payment in question was received February 23, 2018 which is the last day of her billing period.  Though received one day after due date, the payment was applied entirely to the current billing cycle.   As of the writing of this letter we have received a payment of the total amount due, thereby removing any past due amount. In addition, since the billing cycle has not gone a full 30 days without payment, there has been no derogatory reports to the credit bureau. As a result of the account going past due by one day, there was a [redacted] late fee assessed to the account. As a courtesy that fee has been removed.  This credit will be reflected in her next billing statement.   We apologize for any inconvenience this may have caused [redacted]. We hope this resolves this matter, but if you or the consumer has additional questions or concerns please contact us at 1-800-453-2636. 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 would like to know that my account has been closed with Genesis Credit then I will be satisfied. 
Sincerely,
[redacted]

April 30, 2018     Revdex.com P.O. Box 1000 Dupont, WA 98327   RE:          [redacted]                 Case # 1[redacted]     Dear Revdex.com:   This letter is in response to your inquiry dated April 25, 2018, regarding a complaint filed with your office by the above referenced consumer. Mr. [redacted] indicated all fees were agreed to be waived, not just the duplicate Authorized User fee in addition to the annual membership fee due to the delay in obtaining access to his credit line.  We reviewed his account further with the added details shared and were able to confirm the following. The call on 4/12/18 was not located with our first review as it came in from a different phone number not associated with his account.  Upon review, Mr. [redacted] is correct; all fees charged to date were agreed to be waived, including the one for which Mr. [redacted] already paid us.  The credit for that charge will be reflected on his June statement which will process on 5/10/18.We reviewed our systems to confirm if there is an issue with the Authorized User process; we cannot locate a system error which would prevent the cards from being issued as requested.  There are no other reported issues with respect to this process.  There is a potential issue in the first request on this account, in that the first request was cancelled; that was the same root cause for the double billing of the fee.  We are pleased to learn he has received his primary card and wish to confirm that the system reflects two cards have been issued for Mr. [redacted]’s account.  We ask that he please allow the requisite time for the additional authorized user card to arrive to prevent any disruption in use of the primary card.  Please do contact us if the Authorized User card is not received by 5/9/18. We hope this resolves this matter and your authorized user card is received as anticipated, 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...

Dear Revdex.com:This letter is in response to your inquiry dated December 14,
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 account has been closed as the customer requested; the balance was waived
and his payments are being refunded directly to the payment source that he used
to make the payments. To offset the inconvenience of the misinformation, the
past due status has been removed, late fees waived and credit bureau reporting
has been updated, a confirmation letter of these actions has been mailed to the
consumer. 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:
On October 8th 2015, I submitted a complaint in regards to a billing issue based on a purchase I made on December 26th 2014 at Raymour & Flannigan furniture store. I was contacted by Ms. Sara T[redacted] who stated she was a representative from Bankcard Services. Ms. T[redacted] requested documentation from me about my purchase that I faxed to her. Ms T[redacted] stated that she requested the receipt from Raymour and Flannigan and compared it with my receipt and they both correspond. Ms. T[redacted] confirmed that there is an over charge of 2,500 that was placed on my Wellsfargo card. Ms. T[redacted] stated that she spoke with a representative from Raymour & Flannigan who told her that the 2,500 was from purchases made after the purchase in question. I Asked Ms. T[redacted] to request those documents from Raymour & Flannigan but she did not. I also told her that if there was a purchase made after December 26th, 2014, why was my Wellsfargo account billed 2,500 on December 31th, 2014? I also requested that Ms. T[redacted] mailed all documentations that she received from Raymour & flannigan but she did not. There is still an outstanding balance for purchases I did not make. I have cooperated with all parties in getting this issue resolved I have my documentations that was faxed to Ms. T[redacted] for which I am awaiting a response. I later received an email from Revdex.com stating that Bankcard Service contacted Raymour & Flannigan and that the consumer (me) is still not satisfied. What Bankcard Services did not state to Revdex.com is that they refused to request the documents from Raymour & Flannigan, and they also refused to send me a copy of those documents. Bankcard Services (Ms. Sara T[redacted]) did not communicate to me that the case was resolved before they reported this information to Revdex.com. Up until October 23th, 2015 I was still communicating with Ms. T[redacted] via telephone for which I have proof. In order to resolve this case in an ammicable manner all the information must be presented. I would like to have this case reopenSincerely,[redacted]