Genesis Bankcard Services Inc

February 27, Revdex.com P.OBox Dupont, WA RE: *** * *** Case #*** Dear Revdex.com: This letter is in response to your inquiry dated February 22, regarding a response received by your office by the above referenced consumer, in which she requested that we close the new account created after her original account was compromised. We closed the account as requested. 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 Revdex.com Tell us why here

March 27, Revdex.com P.OBox Dupont, WA RE: *** *** Case #*** Dear Revdex.com:
This letter is in response to your inquiry dated March 21, 2018, regarding a complaint filed with your office by the above referenced consumer, in which Ms*** asserted that she applied for debt relief and a proposal was submitted in December, but we delayed our response and did not honor the proposal as other creditors did. We reviewed her account and found the followingMs*** account payments are due on or before the 22nd of each month.While we can work with debt relief companies, consumers must still maintain their accounts and communications with their creditors during that process.The last full payment we received was on 7/3/17. We began attempts to reach Ms*** from August until March. We were not successful in reaching her until she contacted us on 3/20/18.During the 3/20/conversation with our representative, she communicated that she intended to report us to the Revdex.com. He immediately transferred her to an account manager.In her conversation with the account manager she immediately offered to pay the balance in full, but did not surface anything about her debt management company or proposal. He accepted the payment as offered, closed the account when requested and apologized when she expressed general dissatisfaction with the account. When he asked, she indicated she had nothing further to discuss with him.We did receive her proposal on 12/27/17, but due to a system issue it was not properly denoted as a debt relief proposal, but rather a potential bankruptcy filing. We are actively working on resolving all accounts that processed improperly during this time frame. Because we had not spoken with Ms***, we had no information in her file authorizing us to speak with this business, so when contacted by them, we were limited in what we could discuss.We did receive the debt management payments in January and February, but because the account was not accepted on to the program, it continued to process further delinquent. In light of the system issue denoted above, we have removed all delinquencies after December from 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-Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week. Sincerely, Bankcard Services Tell us why here

Bankcard Services September 11, Revdex.com P.OBox Dupont, WA RE: *** *** Case #***
Dear Revdex.com: This letter is in response to your inquiry dated September 7, 2017, regarding a complaint filed with your office by the above referenced consumer We 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 steps All fees have been credited, the account closed and a request to have the trade line deleted from credit bureau reporting has been submittedLetters confirming these actions have been sent to the consumerWe 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 week Sincerely, Bankcard Services

Bankcard Services May 18, Revdex.com P.OBox Dupont, WA RE: *** *** Case #***
Dear Revdex.com: This letter is in response to your inquiry dated May 15, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr*** bringing this concern to our attentionThis account was originated under WebBank; the FDIC required WebBank to delete much of the information it had reported on the credit card program this account had been opened underSadly, this resulted in the deletion of bureau reporting for Mr***’s account The consumer does have good payment history and a letter reflecting that history has been sent to himWe 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

RE: *** *** Case
#***Dear RevDex.com:This letter
is in response to your inquiry dated October 20, 2017, regarding a complaint
filed with your
office by the above referenced consumerWe 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 stepsThe account had been closed per
the consumer’s requested in May We have credited all fees assessed to the
account as of October 26, 2017; a letter confirming the account’s zero balance
has been requestedA statement confirming the $balance will be sent next
weekThe past due credit reporting has been removed from the customer’s credit
report and a letter confirming that action has been requestedWe 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

September 21, 2017Revdex.comP.OBox 1000Dupont, WA 98327RE: ***
*** Case
#***Dear RevDex.com:This letter
is in response to
your inquiry dated September 18, 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 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 timesWhile providing
emergency increases, or even non-emergency increases, is not supported by this program
we are able to make other changes to the
consumer’s account in hopes it will alieviate some of their current worries
The fee applied to the account has been credited, the APR on the account has
been lowered and the minimum monthly payment amount has been decreased to $
per monthWe 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 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, *** ***

February 28, Revdex.com P.OBox Dupont, WA RE: Miriam N*** * Case # *** Dear Revdex.com: This letter is in response to your inquiry dated February 22, 2018, regarding a complaint filed with your office by the above referenced consumerShe reiterated and clarified that the merchant was supposed to ship the same item twice, but she did not receive either shipment. She received a full credit the first time but only received a partial credit from the merchant the second time. We wanted to clarify the followingThe disputed item was still listed as disputed in our system. The investigation with the merchant was not yet completed; how that process works was clarified in our initial responseWe rebated the $difference between what was billed and the partial credit already given by the merchant. That credit will be reflected on her March statement that will print on 3/17/18. We closed the dispute since we credited the difference as a courtesyWe 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

Dear Revdex.com:This letter is in response to your inquiry dated December 18,
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 consumer’s account to determine
next stepsThe credit balance has been requested to be electronically credited
back to the payment source used to make the paymentThis should be completed
in the next weekWe 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 week.Sincerely,Bankcard
Services

Bankcard Services September 8, Revdex.com P.OBox Dupont, WA RE: *** *** Case #***
Dear Revdex.com: This letter is in response to your inquiry dated September 2, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate *** *** 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 stepsThis account has been processed as Identity Theft and we have submitted a request to delete the trade line from the consumer credit bureausA letter confirming these actions will be sent directly to the consumer at the address providedWe 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

Bankcard Services
February 3,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case
#***
Dear Revdex.com:
This letter is in response to your inquiry dated January 26, 2017, regarding a complaint filed with your office by the above referenced consumer
We appreciate Ms*** bringing this concern to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we have reviewed the consumer’s account to confirm the actions stated in her submissionThe inaccurate change in status to Deceased has been correctedWhile the account closure due to inactivity cannot be reversed, the reason for closure has been changed to Customer Request Account Closure per her instructionWe appreciate Ms*** patronage and hope to serve her again in the futureWe 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 week
Sincerely,
Bankcard Services

Bankcard services March 29, Revdex.com P.OBox Dupont, WA RE: *** ***-*** Case
#*** Dear Revdex.com: This letter is in response to your inquiry dated March 20, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms*** *** bringing this concern to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we have reviewed the consumer’s account to determine next stepsThe account was closed and the balance credited the day of her conversation with our representativeThe credit reporting agencies have been notified of this action and any negative history associated with this account has been removed; a letter confirming these actions has been sent to the consumerWe 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 week Sincerely, Bankcard Services

February 7, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear RevDex.com: This letter is in response to your inquiry dated January 30, 2018, regarding a complaint filed with your office by the above referenced consumerWe appreciate *** *** bringing this concern to our attentionWe reviewed his account and found the following: We could not locate an account in our system with the information provided in the complaint. If *** *** could please provide a business name and the last digits of an account number that would be greatly appreciated. We will be happy to resolve any issue he may be experiencing Sincerely, Bankcard Services Tell us why here

Complaint: ***
I am rejecting this response because:I have researched that Galaxy International Purchasing, LLC is not legally allowed to have the debt because it does not have license in IllinoisSo that being said, the debt legally belongs to BankCard ServicesBankcard services mentioned on January 4, 2018, "Any credit reporting since October would have been provided by them"As referring to Galaxy International Purchasing, LLCIn a letter dated January 26, it was stated from BankCard Services, "Mr*** contacted Galaxy and asked that they delete his payment performance detail that we are reporting , during the time we owned the accountGalaxy Management accurately informed Mr*** that they cannot alter the information because they are not the ones reporting that detail"Well than I ask this question, who is in charge of reporting after 2014? If it is Galaxy than why did I have day lates show up on my Mid-America/Milestone account? Why isn't Galaxy International reporting their owned debt? As mentioned before it is seen that BankCard Services is not wanting to take responsibilities of these errorsAlso, as stated Galaxy International Purchasing, LLC is not the one at fault as they do not reportI have sent my proof to Revdex.com of the documentation of Galaxy International Purchasing, LLC not having a collection license in Illinois, which is illegalThe documents will arrive at Revdex.com office on Thursday February 1, certified mailI am continuing my research on this account and laws it has broken while pushing this account off to Galaxy International Purchasing, LLCI plan on meeting with my Attorney General sometime soon to discuss everything I have gathered and that is displayed and communicated on this dispute.
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:
That payment was a settlement for the account, there should be no remaining account balanceI further push that there is a major reporting error and record keeping error within this account.
Sincerely,
*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to mefor genesis/bankcard services part however in talking to them it was confirmed that the way *** *** did everything was against thecredit companies ways first off they don't do credit over the phone its done face to face so the terms and everything are explained no such a thing as having to spend a portion of the credit within 5days or the credit is revokedand furthermore the credit company does not have a minimum that you have to spend as sarah put it if the customer wanted to spend a dollar then that's their choice so us going up to the store with the intent of spending up to but being made to spend because of either poor business practices on part of *** *** or on the part of the salesperson *** wanting tomake more money I feel that they need to rectify this the company or the salesperson should be made to reimburse me the extra money I was mislead into spending please know that I don't want to speak with anyone from that store unless its a district manager because I don't trust anyone in that store that's *** in Hazleton pafrom my first and last experience with them they are liars

January 13, Revdex.com P.OBox Dupont, WA RE: *** *** Case #*** Dear RevDex.com: This letter is in response to your inquiry dated January 6, regarding a complaint filed with your office by the above referenced consumer, in which she asserted she did not open the account and wanted to make sure nothing derogatory was reported on her credit file We appreciate Ms***’s concern and wish to clarify what has transpired so far and reassure her about her credit fileWe reviewed her account; immediately upon being notified by Ms*** that she did not establish the account, we opened a fraud investigation. All information in the credit application process matches the information on file at both the bureaus and on this complaint. It is to our mutual benefit to properly research and resolve any fraud claims as well as retain the record of the interaction to prevent any further fraud activity in her name The account has been charged off as a Fraud account in our system, which ensures it will not be reflected on her credit file, while retaining the data for investigative purposes. The account never processed delinquent enough while it was open to be reflected negatively on her credit file either. We appreciate her prompt review of her credit and for bringing it to our attention quickly 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

April 20, Revdex.com POBox Dupont, Wa RE: *** *** Case # 1*** Dear Revdex.com: This letter is in response to your inquiry dated April 16, regarding a complaint filed with your office by the above referenced consumer, in which Ms*** stated she disagreed with the charge of $because she has not been late and that representatives were rude to her As previously communicated, the fee is for the returned check payment and is not due to late payment. We also clarified why the payment increased from its usual scheduled amount of $ As acknowledged in the complaint, the payment for which the fee was charged was disputed by Ms*** to her bankThe amount charged was done in accordance with her credit agreement which stipulates when and why payments might exceed the minimum amount due. We reviewed the call and the representative attempted to resolve Ms***’s issue with her in accordance with our policy and clarify the payment amount prior to putting her through to a Manager. He did not refuse to do so, but it was evident in the call it was interepreted as such and he honored the request at that time We hope this resolves the matter, but if you or the consumer has additional questions or concerns, please contact us at 1-800-453-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:We received a complaint dated December 19, for the above named
consumer in which it was asserted that a good payment history with Kay Jewelers
was maintained, but the account was closed to further purchases. We also regret to learn there was some
confusion
caused by recent changes made in managing accounts and wish to clarify those
changes. Listed below are the findings
from our review of the account as well as details of recent account management
changes.The account was established with Kay Jewelers on March 11, 2015.According to our records, the account had a good pay history with Kay jewelers as asserted.As outlined in Kay Jewelers credit agreement, either the consumer or Kay Jewelers may close an account at any time. Periodic overall credit reviews are conducted for all account holdersDue to the information obtained during that process, Mr***’s account was closed. He will receive a letter in a few weeks that will clarify more details regarding his account closure.Genesis FS Card Services is a Financial Services company based in Beaverton, OR. We work as a business partner with Kay Jewelers, managing select credit accounts for them.A Notice of Change was sent to all impacted consumers in late summer that enumerated how those credit accounts would be impacted.We appreciate you bringing this
to our attention and hope the information above clarifies what transpired. 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,Genesis Card Services

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***-***I will not have the full by May 9thI could pay half May 11th and the last half May 25thThose are my paydaysWhen I was trying to get an offer via phone they had it broken into two paymentsI am hoping this will be suitable and put the matter to rest