Genesis Bankcard Services Inc

Bankcard Services
December 21,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case
#***
Dear Revdex.com:
This letter is in response to your inquiry dated December 13, 2016, regarding a complaint filed with your office by the above referenced consumer
We appreciate Mr*** bringing this concern to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint we have closed the customer’s account and credited the assessed fee The customer has always paid the account as agreed; information shared with the credit reporting agencies reflects the account handlingA letter confirming the actions taken on this account have also been sent to the consumerWe 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- 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 ***, and find that this resolution is satisfactory to meI would really like all interest charges to be removed along with my current resolution. Sincerely, *** ***

Complaint: *** I am rejecting this response because: I appreciate the offer but after speaking with a rep at the bank, I need to address something furtherIt appears there is a disconnect between the website, customer service, and my billing statementsThe website uses the words "minimum payment due," in places but the numbers are not always the sameOn the electronic statements, it showed that in November and December my "minimum payment due" was $which is what I paidThe verbiage on the billing statements themselves say "If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35." The problem is both the website and customer service gives mixed signals as to what your minimum payment actually isI have conflicting information both in writing and by phoneThe rep who called me in regard to this complaint admits that sometimes the agents may be reading the wrong information on the account due to the way their system is set up and I explained to her that each time I called by phone to pay my balance due to the previously mentioned issue on their system, I was verbally TOLD that I only owed $The website showed that I owed $in January and $in February which was odd to meNeitherrepresentative told me that my current balance at those times (on or after the due dates) that my balances were $or higherPlease review the callI CHOSE to make a $payment in January because I KNEW I was behind payment from OctoberIn February, I paid the $because I WANTED to make a double payment to get ahead on the bill to close it out before the month cycle and also I called in Februarys to complain about the minimum balance then and was told I only owed $yet again (please listen to the call)But My call in reason and complaint was the same thing that prompted this complaint, that the website shows a higher minimum payment that I was dueOffering me 50% of the fees back only settles one partI should have NOT even HAD late fees for January and February because I was VERBALLY told by different agents that I only owed a minimum payment of $Those fees should simply not existI TOLD them that the website was telling me I owed more than I actually did. That was their opportunity to say, "Here is why." --In November and December, please see the attachmentThe website tells you what your MINIMUM DUE PAYMENT is, $As you can see, I paid $each of those months on the websiteThe website won't allow you to make payments less than your minimum amount due which is why (now that the rep who called me explained, I was why my minimums were showing higher in January and February. So how was I able to make $payments on the website in November and December if my minimum amounts were higher?I called customer service in October to let them know I had lost my job and that is when I was credited with the $late feeI asked if there was some type of program they had for people who lost their job but was told noI was told that because of the promotion on my account, I should not have any extra payments duesince I could not make the payment that month that my late fee would be waived and I was told that as "Long as you pay off the starting balance within that month period I should not have to worry about any other fees."After my phone conversation with the rep at the bank regarding this Revdex.com complaint, I was not in front of my notes or documents to be able to dispute this accurately, but now that I am I still don't feel I should owe these feesI have attached a copy of the webpage that contradicts my statementThere is a highlighted disclaimer at the bottom that says *Note: This amount is the minimum payment due amount reflected on your most recent billing statement and does not include any payments received during the current billing cycle." The reason why this is so significant is belowI have decided to do a quick summary of my points below: 1) The website will not allow you to make a payment lower than your minimum payment.2) Yet, in November and December the website showed $minimum due and allowed me to pay $though I was technically behind paymentIt did not reflect any late fees or missed payments.3) I called in October and was told that I could expect to be fine in terms of the missed payment as long as I paid off everything by May 4) The website offers different minimum paymentsOn the payment screen it shows one thing and on the electronic bill it shows something different. I am seeking to have all fees waived for the confusion and any negative payment history reporting to the credit bureaus to be corrected Sincerely, *** *** ***

Complaint: ***
I am rejecting this response because:In reviewing my transunion report immediately after receiving the email I saw that it was listed as a derogatory collection charge off,This is not acceptable, I want my bureaus wiped clean from any transactions from this company
Sincerely,
*** ***

RE: *** *** Case #*** Dear Revdex.com: This letter is in response to the rejection to a response from your inquiry dated December 27, 2017, regarding a complaint filed with our office by the above referenced consumer We appreciate the details the consumer has shared with respect to his request to waive the Annual Membership Fee and the Late FeeWe have attempted to reach the consumer directly to clarify the requests outlined in the consumer’s submission, however had been unsuccessful in reaching himWe apologize for any misunderstandingsThe consumer’s account has be re-opened as of January 10th, The $Annual Membership Fee will not be added back to the account as a courtesy for the misunderstandingPlease note this initial Annual Fee was waived as a courtesyThe account was approved with an annual fee and one will be assessed annually starting A copy of the cardholder agreement was sent to the consumerWe 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- 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 ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

November 23,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case #***
Dear Revdex.com:
This letter is in response to your inquiry dated November 20, 2015, regarding a complaint
filed with your office by the above referenced consumer
We appreciate Ms*** bringing this issue to our attention and apologize for her frustration using our online bill pay optionWe have contacted both the customer and believe we have resolved the issue to her satisfaction
If you or the consumer have additional questions or concerns, contact us at 1-866-453-Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week
Sincerely,
Bankcard Services

July 10,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case #***
Dear
Revdex.com:
This letter is in response to your inquiry dated July 1, 2015, regarding a complaint filed with your office by the above referenced consumer
We appreciate Ms*** bringing this issue to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we have taken action on the consumer’s behalf in regards to re-opening the account and updating the credit bureauAdditionally, we have contacted the customer directly in order to confirm resolution of the issue
We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at *** Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week
Sincerely,
Bankcard Services

November 10, Revdex.com P.OBox Dupont, WA RE: *** * *** Case #*** 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*** bringing this concern to our attentionThe payment referenced in the consumer’s submission posted to the account November 1, 2017; it reflects the transaction date of October 27, 2017, which is the day the cash payment was made in the storeWe apologize for the delay in posting of the payment and the inconvenience this caused the consumerA letter confirming receipt of payment was faxed to Ms*** on November 2, In addition, Purchase Finance Charges in the amount of $were credited to the consumer’s accountWe believe our actions have addressed her concerns We hope this resolves this matter, but if you or the consumer have additional questions or concerns, please contact us at 1-866-875- Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Genesis FS Card Services

June 30,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case
#***
Dear Revdex.com:
This letter is in response to your inquiry dated June 22, 2015, regarding a complaint filed with your office by the above referenced consumer
We appreciate Ms*** bringing this issue to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint we attempted to contact the customer directly in order to discuss resolution of the issue, but to date, have not been able to speak directly with her
If the consumer will return our calls, we feel we can work to quickly resolve the issue with herOur customer service hours are from 6am to 6pm, Pacific Time, seven days a week and we can be contacted at ***
Sincerely,
Bankcard Services

Bankcard Services August 28, Revdex.com P.OBox Dupont, WA Dear Revdex.com: This letter is in response to your inquiry dated August 20th 2017, regarding a complaint filed with your office by the above referenced consumerWe
appreciate Ms*** bringing this concern to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we have reviewed the account to determine next stepsWe have contacted the merchant for additional details of her claimBased on the additional information supplied by the customer, a credit for the sale discount has been placed on her accountWe 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- Our customer service hours are from 6am to 6pm, Pacific Time, seven days a weekSincerely, Bankcard Services

October 1, 2015 Revdex.comP.OBox 1000Dupont, WA 98327 RE: *** Case#*** Dear
Revdex.com: This letter is in response to your inquirydated September 3, 2015, regarding a complaint filed with your office by theabove referenced consumer We appreciate Mr*** bringing this issueto our attentionUnfortunately, we have specific rules in regards to paymentholds that our Customer Service Representatives are unable to waiveWe have contactedthe customer directly to explain these rules in hopes of resolving the issue We believe we have addressed Mr***concerns, however, if you or the consumer has additional questions or concerns,please contact us at *** Ourcustomer service hours are from 6am to 6pm, Pacific Time, seven days a week. Sincerely, Bankcard Services

Bankcard Services
September 19,
Revdex.com
P.OBox
Dupont, WA
RE: *** *** ***
Case #***
Dear Revdex.com:
This letter is in response to your inquiry dated September 10, 2016, regarding a complaint filed with your office by the above referenced consumer
We appreciate Ms*** bringing this issue to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we contacted the customer directly to gain a better understanding of the situation and expected resolutionThe consumer has been instructed to file a police report, provide a letter of dispute and submit a Revdex.com on Interiors Modern Home Furniture; we will continue to work with the customer to resolve this issueWe 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 1-866-726- Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week
Sincerely,
Bankcard Services

Revdex.com P.OBox Dupont, WA RE: *** *** Case #*** Dear Revdex.com: This letter is in
response to your inquiry dated December 27, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr*** bringing this concern to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we have reviewed the account to determine next stepsDue to the customer indicating they did not receive the first statement, the Annual Membership Fee and Late Fee have been credited to the consumer’s accountThe account has been closed as of December 27, The credits of $(Annual Membership Fee) and $(Late Fee) will be reflected on his February statementThe assessment of the Annual Membership Fee is communicated in the Cardholder Agreement, sent when the account is openedA copy of this document has been mailed along with a letter showing the updated balance after the fees have creditedHe should receive these documents in the next weekWe 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- 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 ***, and find that this resolution is satisfactory to meSincerely, *** ***

June 19,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case #***
Dear
Revdex.com:
This letter is in response to your inquiry dated June 10, 2015, regarding a complaint filed with your office by the above referenced consumer
We appreciate Mr*** bringing this issue to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we have taken action on the consumer’s behalf in regards to closing the account and refunding interestAdditionally, we have contacted the customer directly in order to confirm resolution of the issue
We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at *** Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week
Sincerely,
Bankcard Services

April 10th, Revdex.com P.OBox Dupont, WA RE: *** Johnson Case # *** Dear RevDex.com: This letter is in response to your inquiry dated April 1st, 2018, regarding a complaint filed with your office by the above referenced consumerMs*** is upset that she was charged an Annual Membership Fee (AMF), which also caused her to go over her credit limitWe reviewed her account and found the following Ms*** opened the account on 3/11/The AMF is disclosed at this time and has been billed annually each thereafterWe notify all customers the month before their AMF will be billed to anticipate and plan for it. She did call to cancel the AMF on 4/1/18, after the fee had been billed. We generally do not waive the entire fee if the account has been utilized and if it is after the fee has been billed.Since she decided to close the account and there will be no further utilization of the credit and it was just a few days after posting to the account, we have waived the 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-Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week. Sincerely, Bankcard Services Tell us why here

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***I have spent hours on the phoneI have spent hours in the storeThe receipt produced, had no details on the purchaseThis whole transaction was a trickI was flat out lied toThis has also put strain on the relationship between me and my wifeI chose the ring, she likes the ringHowever a translation as deceptive as this one is just wrongI can’t see how you Jared can get away with thisI was told no money down, 0% financingdollars a monthNot even closeJust a huge shamThe commission couldn’t be that much eitherWhich leads me to believe the employees don’t get treated wellHi

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

March 27, Revdex.com P.OBox Dupont, WA RE: *** *** Case #*** Dear RevDex.com: This letter is in response to your inquiry dated March 20, 2018, regarding a complaint filed with your office by the above referenced consumer, in which Ms*** asserted she never activated the card and wanted the account to be closedShe is upset that she was billed the membership fee before receiving the physical card We wish to clarify that once an account is approved in our system, a card will be issued and the membership fee will be billed as part of establishing the account for use. The activation process upon receipt of the physical card is a security feature but does not prevent that activity. The delay in receiving the card was caused by multiple address changes soon after applying for the account We ultimately closed the account on 3/5/and cleared the balanceThe amount owed for the membership fee never progressed far enough delinquent to be reported adversely on her credit fileWe apologize for any concern or frustration this process caused her We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at 1-866-453-Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services Tell us why here