Genesis Bankcard Services Inc

From: *** *** Sent: Wednesday, May 2, 12:PM To: Tanya McDowell Subject: Re: CID #*** I see that on tomorrow, May 3rd, 2018, I'll be able to put $on this Genesis Card Service (Milestone) account. My birthday is May 9th. I'll look at that time to see if the other amount can be sent. IF not, my request had been to be put on one of their other programs. That is why I am saying the case should not have been closed until AFTER May 10th. This company has a bad habit of not honoring deals or requests. We need to see even if I am able to put the money on the card if they actually delete the remaining balance. OR if I am not able to put the remainder on the card, if they give me one of the other payment programs. I have other bills and this really pushing my finances. It's already to the point I am not even able to keep myself $per week x weeks in the = $for food and other things. So they really need to work with me. Please don't close the case yet. I had already asked for it to remain opened -*** ***

April 20, Revdex.com P.OBox Dupont, WA RE: M*** *** Case # *** Dear RevDex.com: This letter is in response to your inquiry dated April 19, regarding a complaint filed with your office by the above referenced consumerMs*** requests her account to be unlocked for purchases as well as a reversal of any negative credit bureau reportingWe reviewed the account and found the following Ms*** established her account with us on 12/7/16. She paid her account as agreed initially but recently had issues with online payments. Between June and April billing cycles, eight payments were returned for insufficient funds (NSF)We do restrict use of accounts for days after an NSF. As clarified on 4/19/18, if Ms*** submits documentation from her bank that funds are available, the hold can be removed immediately upon receipt of that documentationShe declined that offer and asked that her account be coded for no calls; we complied with that request immediatelyWhile there were issues with payments posting as intended, the account never progressed far enough delinquent to impact 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, Bank Card Services Tell us why here

March 23, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear
Revdex.com: This letter is in response to your inquiry dated March 14, 2018, 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 stepsThe purchase she references was scheduled to be paid off in January on a no interest plan. The last payment was made three days late; so that prevented the purchase from systemically paying off as agreed We appreciate her frustration with missing the final payment by such a small amount of time and have adjusted her purchases and payments owed as requested. Her billing cycle is on the 16th, so the changes will not be reflected until her next statement processes on April 16. The last payment we received was in January; Ms*** should maintain payments on the undisputed portion of her bill or the $payments owed for her remaining purchase balance 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: There response is not satisfactory and I will be reporting this matter to agency that can deal with the deception of this credit card companySincerely,*** ***

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*** asserts that she never applied for a credit card with our company and when she called to inform us of that, our representatives tried to persuade her to keep the account We did receive a call from Ms*** soon after issuing the card, on 2/13/18, and as she asserts the account was not immediately closed. It is our policy to immediately close accounts given the circumstances described by Ms***; due to human error our policy was not followed. This has been addressed and corrective measures taken to prevent a reoccurrence. We thank Ms*** for taking the time to communicate her concerns to us and apologize for any frustration or concern this caused her We closed the account on 3/20/and denoted it as a fraud account which will prevent it from reporting on Ms*** 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

March 5, Revdex.com P.OBox Dupont, WA Re: *** *** Case #: *** Dear Revdex.com: We received a complaint from the consumer named above dated February 26, in which he indicated that he no longer wanted the Indigo
Mastercard for which he applied, and that he had difficulty reaching someone directly to cancel the account. As Mr*** asserts, his account was never utilized and is at a zero balance. Per his request we have closed the accountWe apologize for any difficulty he experienced when trying to reach us directly. We confirmed the number is working as designed; during high call volume, wait times can be longer than usual We hope this information clarifies the matterIf 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

Bankcard Services
December 19,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case #***
Dear Revdex.com:
This letter is in response to your follow up dated December 14, 2016, regarding a complaint filed with your office by the above referenced consumer
We received the necessary documentation from Ms*** December 12, and promptly took steps to complete Dispute processing of the questionable accountWe have taken the following action: 1) updated the consumer’s credit report to remove any history of the account from her file, 2) recalled the account from the collection agency to help ensure the consumer receives no future calls with respect to this debt, and 3) provided written confirmation of the steps taken to resolve the dispute to the consumerWe appreciate Ms*** working with us to resolve this issue and 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

July 20,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case # ***
Dear
Revdex.com:
This letter is in response to your inquiry dated July 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 attempted to contact the customer directly to discuss options for resolutionAt this time we have not been able to have the conversation necessary for closureWe remain optimistic that once we do connect with Mr***, we will be able to resolve the issue
In the meantime, 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:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

March 12, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear Revdex.com: This letter is in response to your inquiry dated March 6, 2018, regarding a complaint filed with your office by the above referenced consumerWe regret Mr*** continued frustration with the terms of his repayment planWe have taken the following steps to help Mr*** maintain his account with us, as a courtesy given the misunderstanding of how the credit plan would be billed as well as his fixed income needsWe reset the minimum payment for each purchase to $instead of $and extended the length of time he has to repay the loan.His first promotional plan will expire in April 2019. Provided he maintains the $payment each month, that purchase will pay off in that time frame.The second plan will expire in April 2020. Mr*** will need to maintain the $each month to make sure that purchase is paid off before April, 2020. If he pays only the minimum of $25.00, the balance will not be paid in time.The past due has been removed; the account was closed due to non-payment as Mr*** acknowledges in his complaint.His account cycled on the 9th so the changes referenced above will not be reflected until his April billing statementWe waived the late fee that was assessed in March pending our resolution to this complaint. That credit will also be listed on his April statement.Mr*** will need to pay the $he just missed in March as well as the payment owed for April in order to stay on track with the new terms established per his request. He may pay the $he missed that was owed on or before March now and wait to pay April closer to his due date.We believe the steps we have taken to rectify this account are fair and reasonable. 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

Revdex.comP.OBox 1000Dupont, WA 98327 RE: *** *** Case # *** Dear Revdex.com: This letter is in response to your inquiry dated January 17, 2018, regarding a complaint filed with your office by the above referenced consumerShe stated she believes we are not honoring our verbal agreement with her and referenced her billing statement from January as the source of her concerns. We appreciate Ms*** bringing this concern to our attentionWe reviewed her account and found the following Her account cycles, meaning the billing period ends, on the 11th of each monthShe spoke with our representative just after her December billing period closed. All negotiated billing requests were honored and reflected accurately on her January billing statementIn addition to the $charge for the annual fee on the January statement, corresponding credits were applied to her account and reflected on it, including a credit for the annual fee. The total credits applied and reflected on that statement equaled $in addition to the payment of $that she processed with us in DecemberThe interest billed for is zero and the annual rate is zero on her January statement as wellThe system will reflect a higher minimum amount due since she is currently over her credit limit; it will request the $minimum plus the total amount over the limit. Additional credits have been applied to her account to reduce her balance below her credit limit. This will be reflected on her February statementDue to the system changes applied by our representative in December and today, Ms*** may pay the $scheduled minimum payment by the 10th of each month without penalty. Her next payment of $is owed on or before 2/10/ 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

Bankcard Services
December 5,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case
#***
Dear Revdex.com:
This letter is in response to your inquiry dated November 27, 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 reviewed all interactions between the consumer and our officeOn November 28th the consumer spoke with a representative from our Disputes department who provided him with detailed directions and a list of required documents needed by our office to complete the dispute processDocumentation has not yet been received and attempts to contact the customer directly have been unsuccessful. If the consumer supplies the Police Report and notarized Fraud Affidavit, the investigation into the unauthorized application and inquiry can resume
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 if Milestone is willing to send me proof in writing that the account has been closed and paid in full as well as reporting to the credit agencies that this account has been closed by consumer and paid in fullSincerely, *** ***

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,
*** ***

*** * ** *** *** *** ** *** *
Complaint:
I am rejecting this response because:
Sincerely,
*** ***

October 8,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case
#***
Dear Revdex.com:
This letter is in response to your inquiry dated September 29, 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 the mis-communications that have attributed to her frustrationWe have contacted the customer directly and shared our plan to resolve the issue
We believe we have addressed Ms***’s concerns, however, 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,
*** ***

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,
*** ***

April 8,
Revdex.com
P.OBox
Dupont, WA
RE: *** *** * *** ***
Dear RevDex.com:
This letter is in response to your inquiry dated April 4, 2016, 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 credited his account for the two purchases and transferred his information to a new credit card to prevent unauthorized charges from this merchant being placed on his accountAdditionally, we have attempted to contact the consumer directly on this subject and to provide additional details of interestWe 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-Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week
Sincerely,
Bankcard Services

Bankcard Services March 21, Revdex.com P.OBox Dupont, WA RE: *** * *** *** Case
#*** Dear Revdex.com: This letter is in response to your inquiry dated March 16, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Mrand Mrs*** 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 stepsThis account is being recalled and will be reestablished, enabling the customer to resume regular monthly payments based on the original purchase amountWe contacted the customer directly to discuss this option and believe our actions 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- 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,
*** ***