Genesis Bankcard Services Inc

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,
*** ***

RE: *** *** Case
#***Dear RevDex.com:This letter
is in response to your inquiry dated November 26, 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 phone number provided in
the consumer’s complaint was listed on other accounts not belonging to herFor
this reason the consumer received multiple calls at her numberHer phone
number has been removed as a Wrong Phone Number from accounts that are not hers
and marked as Do Not Call on her accountThese actions should prevent any
calls from being placed to the phone number provided in the complaint by 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

Complaint: ***I am rejecting this response because:
It did not address my concerns of charging separately for my deferred interest beginning in June You increased my payments and did not apply them properlyI should have only been accruing interest on one amountIn June and July, you charged a total of $on the separate stand alone amountI also have issue without having the ability to allocate how any funds above and beyond my minimum payments should be allocatedIt's back down to $but the allocation of that $should be $towards the regular amount and $towards the promotional balance the way that it was prior to the first promotional balance expiringThat is the way that I want the payments applied since that's how they were applied previouslyI want that confirmation in addition to the another adjustment of $centsSincerely,*** ***

January 29, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear RevDex.com: This letter is in response to your inquiry dated January 24, 2018, regarding a complaint filed with your office by the above referenced consumerWe appreciate Mr*** bringing this concern to our attention and affording us the opportunity to clarify what has transpiredWe reviewed his account and found the following: Mr*** did contact us in December to let us know that he did not recognize charges on his billing statement in the amount of $79.99. At that time we let him know that this was a recurring charge established in October. In October this merchant charged him $4.95, then he was billed $in November and DecemberPer Mr***’s request, we closed the compromised account and opened a new one due to the unauthorized use that was billedThe dispute process was started but is not yet resolved; we have taken steps to suppress the disputed portion of his bill from impacting his amount due. Mr*** still needs to maintain payments on the undisputed portion of his bill. There was a missed payment in January that he paid on 1/23/18; he will need to make another payment of $on or before February 20, for the current billing period that is owedMr*** is correct in that the disputed portion is the amount that put him over his limit, so that fee, $38.00, has been waived. As a courtesy, we also waived the late payment fee, $27.00, which was billed for the missed January paymentA credit totaling $will be reflected on his February statementMr*** agreed to contact the merchant and cancel the recurring charge to prevent continued misuse; he indicated in a conversation with us on 1/23/that he had contacted the merchant. Any information from the merchant that Mr*** has would be beneficial in resolving this dispute. He may submit those records or cancellation confirmation to Fax # ***, Attn: Fraud Dept 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 22, 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 consumerMr*** requested the data we collected in an online application that was deniedHe would also like the hard inquiry removed from his credit file; he asserts we denied his application erroneously We cannot release data collected online; the data in our systems is private and it would be a breach of security to release it. Mr*** may reapply with updated information; once his information is properly validated the new application will be processedHard inquiries are tracked and recorded as a means of quantifying attempts to secure credit. Since Mr*** acknowledges he applied online, we cannot remove the inquiry We were only able to locate his initial communication with us on 3/2/18, at which time we clarified the decision was still pending. If Mr*** can provide the phone number at which the call with the Supervisor took place, we would be happy to research further. We appreciate his feedback and use information shared to improve our processes and interactions for all our customers 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

March 12, Revdex.com P.OBox Dupont, WA RE: *** *** (Name on Duplicate - Chedric *** ***)
Case #*** (Duplicate # ***) Dear Revdex.com: This letter is in response to your inquiry dated March 5, regarding a complaint filed with your office by the above referenced consumer, in which he asserted he had never opened the account and had difficulty in closing the account We appreciate Mr*** bringing this concern to our attention. The account was coded as a fraudulent account on 3/1/18. Given this status, Mr*** will not receive bills or calls regarding the account and it will not be reflected on his 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 Revdex.com Tell us why here

June 5,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case
#***
Dear Revdex.com:
This letter is in response to your inquiry dated June 2, 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 the refundAdditionally, 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

Dear Revdex.com:This letter is in response to your inquiry dated December 13,
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 steps
There was some confusion due to the customer having two accounts with our
companyThis has been addressed and representatives have been provided
coaching and redirectionBoth accounts have been referred to our Fraud
Department to address the unrecognized chargesOur Fraud Department has
applied credits to the account in the amounts of the unrecognized charges, and
credit bureau reporting has been requested to update high balances, a
confirmation letter of these actions has been mailed 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 July 27, Revdex.com P.OBox Dupont, WA RE: *** *** Case
#*** Dear Revdex.com: This letter is in response to your inquiry dated July 22, 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 all interactions with our representatives and the request for documentationWe have also contacted the consumer directly to discuss this submissionThe request for a copy of a picture ID with current address and date of birth is a standard practice when additional verification is required in order to proceed with an applicationThis requirement has been discussed with the applicantIf the applicant chooses to supply the documentation with the required timeline, we will proceed with the review of his applicationWe 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 1***, and find that this resolution is satisfactory to meI have receive both the primary card and the Authorized user card
Sincerely,
*** ***

June 8,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case #***
Dear
Revdex.com:
This letter is in response to your inquiry dated May 29, 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 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 him
If the consumer will return our call, we feel we can work to quickly resolve the issue with himOur customer service hours are from 6am to 6pm, Pacific Time, seven days a week and we can be contacted at ***
Sincerely,
Bankcard Services

Complaint:
I am rejecting this response because:I was called once and when I called back I was directed to a different person than the one I was told to respond toI wasn’t advised about anythingAs far as all the payments that have insufficient funds when I went down to my bank and they pulled out every account detail there wasn’t anything that even stated they tried to pull the money from the accountThe first time it happened and it was reversed was when I called and complained and they said it wasn’t an issue and they would fix it and I believe they did which was in AugustThe others I was in contact with have been more than difficult about responding to my complaint and being helpfulMy bank insisted after going through my records that I was being penalized unfairly and that there was no point in time where my bank account wouldn’t have been able to make the payment due to insufficient fundsMy bank insisted that I contact the Revdex.com and not to pay these penaltiesMy credit is destroyedThis has caused many hardships.
Sincerely,
Ryan Guyott

Bankcard Services November 20, Revdex.com P.OBox Dupont, WA RE: *** *** Case
#*** Dear Revdex.com: This letter is in response to your inquiry dated November 20, 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 his account terms and promotion offersA copy of the card member agreement was requested on November 20, and should arrive next weekPromotional periods are based on the terms of his account and are correctWe would gladly review any documentation the consumer may have supporting his claim of a deferred interest promotional periodWe 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

Complaint: ***I am rejecting this response because: I have an iPhone 6, which is a smart phone and will inform me of all missed phone calls as well as save any voice messagesI have no evidence on my phone that indicated BankCard Services attempted to contact me to resolve this issueFurthermore, I already contacted BankCard Services asking for assistance with this issue prior to contacting the Revdex.com, and they were unwilling to rectify the situation thenTherefore, if BankCard Services is willing to satisfy me as a customer, then they can contact me in several ways, including leaving a voice message if I am not available when they call and I will be more than willing to return the call.Sincerely,*** ***

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

June 26,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case #***
Dear
Revdex.com:
This letter is in response to your inquiry dated June 18, 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 closing 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

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 as long as the company updates the negative reporting with all credit bureaus. Thank you so much!
Sincerely,
*** ***

April 4,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case #***
Dear Revdex.com:
This
letter is in response to your inquiry dated March 31, 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 taken action on the consumer’s behalf, crediting fees and updating historyAdditionally, we have contacted the consumer directly on this subjectWe believe our actions on this account and discussion 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

August 18, 2017RE: *** *** Case #***This letter is in response to your inquiry dated August 15, 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 stepsThe purchase placed on the consumer’s account has been charged back to the merchant, all fees and finance charges have been credited and the trade line is being deleted from the credit reporting agenciesA letter confirming these actions is being sent to the customerWe 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 January 4, Revdex.com P.OBox Dupont, WA RE: *** *** Case
#*** Dear Revdex.com: This letter is in response to your inquiry dated January 3, 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 consumer’s account to determine next stepsThe account was opened in October A copy of the application has been sent to the consumer to validate the debt; he should receive this in the next week. Our review shows a last payment of $being received on February 6, and a remaining balance at that time of $We have sent a copy of the account transaction history for the consumer’s reviewSince no further payments were received, the account was charged off and sold to a third party company by the name of Galaxy International Purchasing LLC. 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 Any credit reporting since October would have been provided by themTheir contact information is listed belowWe will not be making any changes to the customer’s credit report as it was reported accurately by usWe believe our actions have addressed his concerns Galaxy International Purchasing LLC Phone Number: *** Mailing Address: South Fort Apache Road Suite Las Vegas, NV 89147- 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