Genesis Bankcard Services Inc

Bankcard Services
August 16,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case #***
Dear Revdex.com:
This letter is in response to your inquiry dated August 16, 2016, regarding a complaint filed with your office by the above referenced consumer
We appreciate Mr*** bringing this issue to our attentionThe consumer’s selection of the Unsubscribe button should stop all future invitations to apply for our product within days of its selectionIn the meantime, we have added the consumer’s email address to additional lists that will immediately prevent future contact on our behalfWe believe our actions on this submission have addressed his concerns
We hope this resolves this matter, but if you or the consumer has additional questions or concerns or the consumer would like to share a copy of any of the email solicitations he’s received, 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

Bankcard Services August 7, Revdex.com P.OBox Dupont, WA RE: *** *** Case
#*** Dear Revdex.com: This letter is in response to your inquiry dated July 31, 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 stepsA credit for the promised late fee waiver was applied to the customer’s account July 31, and will appear on her statement later this monthThe assessment of the Annual Membership Fee is communicated in the Cardholder Agreement, sent when the account is opened, and an alert also appears on the statement within two months before the fee is assessedCopies of both documents have been sent to the customer for her recordsWe 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 me
Sincerely,
*** ***

April 20, Revdex.com P.OBox Dupont, WA RE: *** ***
Case #*** Dear Revdex.com: This letter is in response to your inquiry dated April 11, 2018, regarding a complaint filed with your office by the above referenced consumer, in which Ms*** asserted she never received the card and wanted the account to be closed and removed from her credit report We reviewed Ms***’s account and found that there has been no purchase activity. Statements have been issued indicating that, including her January statement in which we communicated that the $annual fee was billed the prior month, in accordance with her credit agreement established with us When we spoke with her in November, she indicated she had not received the card, updated her address. We closed the original account and reissued a new card; unfortunately that card was not received eitherBetween January and April, we attempted to contact Ms*** about her account; this complaint is the first communication received since reissuing the second cardGiven the fact that the card is lost, we denoted the account as Fraud which prevents its use and deletes it 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

March 28, Revdex.com P.OBox Dupont, WA RE: *** *** Case #*** Dear
Revdex.com: This letter is in response to your inquiry dated March 23, 2018, regarding a complaint filed with your office by the above referenced consumer, in which Ms*** expressed frustration about being unable to use her account and our website not giving accurate up to date information. We reviewed her account and found the followingThe account was opened 7/19/17; payments are due on or before the 27th of each month.The account was paid as agreed until October; the 10/6/payment was returned NSF on 10/16/17. No valid payment posted in that billing cycle.November was paid but a second payment from 12/16/was returned NSF on 12/27/17, so no valid payment was received in that billing period.Foreign charges were identified on the account for odd dollar amounts between 2/2/and 2/3/18. The account was coded for suspicious activity as a security precaution; when contacted by Ms*** we confirmed the charges were not authorized by her and opened a new account.The issues above can all cause the account to be unavailable for purchase. Until a valid payment posts to the account to make up for any missed payments, there will be no credit limit. We are actively working on improving our website to reflect real-time payment updates more quickly; we regret if that was miscommunicated as a cause for her specific issues in financing additional purchases in November. 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
July 27,
Revdex.com
P.OBox
Dupont, WA
RE: *** * ***
Case #***
Dear Revdex.com:
This letter is in response to your inquiry dated July 21, 2016, regarding the rejection to a complaint filed with your office by the above referenced consumer
Although recent contact with the consumer indicated a desire to retain the account we understand Mr***’s request to have the account closedWe have taken the requested actions; the account has been closed and all fees associated with this account have been creditedAdditionally, the trade line has been deleted, which will remove any indication of an active account from all credit reporting agenciesConfirmation documentation will be sent directly to the consumerWe believe our actions on this account have addressed his concerns
At this time, we consider the matter closed, but if you or the consumer would like to discuss this further, 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 5,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case
#***
Dear Revdex.com:
This letter is in response to your inquiry
dated March 27, 2018, regarding a complaint filed with your office by the above
referenced consumer, in which Mr*** asserted we would not close his until
he paid the $annual fee. We wish
to clarify we allow accounts to be closed and waive the fee upon request when
informed promptly by customers that they no longer want the account for which they
applied
We reviewed his account and the phone calls
associated with it. Mr*** requested
we rescind the application he submitted online the same day he applied. We regret the length of time it took to
provide him with a detailed and informed response about why we could not delete
that application once it was submitted.
The details of his complaint were sent to the management team of the
individuals involved to prevent a reoccurrence.
We appreciate him taking the time to surface this opportunity for us
As communicated by our representative, the
online application process is automatic; once you submit the application it
auto-generates the inquiry at the credit bureau and decisions the application
right away. Our representatives do not
have access to the computer systems to delete information submitted by
consumers via the automated process; this is to prevent any manual processing
errorsThe account was closed and the fee waived as communicated to Mr
***
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

June 16,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case
#***
Dear Revdex.com:
This letter is in response to your inquiry dated June 9, 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 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

Dear RevDex.com:This letter
is in response to your inquiry dated November 3, 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 consumer paid
as agreed up to the point purchases made on the account caused the balance to exceed
its assigned limit; this happened for the first time in August 2017. The balance of the account increased month
after month because of additional purchases and payments less than requested on
the statementsWe’ve been unsuccessful in our attempts to contact and educate the
customer directly but have requested a copy of her transaction history be sent
to her along with a copy of the Welcome kit that provides the terms of her
accountWe suggest the consumer speak with a representative to obtain balance
information and available credit prior to making any additional purchasesWe
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

Dear RevDex.com:This letter
is in response to your inquiry dated October 31st, 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 stepsWe found there
was a slight discrepancy on the applicationWe were able to verify through
other means of validation and as a courtesy the social security number has been
updated on her accountAs a rule, this does require documentation to complete
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- Our
customer service hours are from 6am to 6pm, Pacific Time, seven days a week.Sincerely,Bankcard Services

January 25, Revdex.com P.OBox Dupont, WA Re: *** *** Case #: *** Dear Revdex.com: We received a complaint dated January 20, for the above named consumer in which it was asserted that she attempted to pay us
three times in December, but was unable to do so. She requested that we remove a late fee as well and remove the late payment from being reported on her credit file. We reviewed her account and found the followingAccording to our records, there were three attempts to pay us in December for the total amount due, which included a past due payment that was missed in November. There is no record of an attempt to communicate this payment issue to us until January.When we spoke to Ms*** in January, we clarified the payments were being rejected at her bank with a cancel code specific to a stop payment request. We cannot initiate a stop payment on her checking account; this was not meant to assign blame but to help clarify what the issue was and work with Ms*** to resolve whatever issue was preventing the payment. No late fee has been assessed to her account as of her January billing. A return check fee was assessed for the aforementioned issue We are happy to learn that Ms*** was able to successfully process a payment on her account. Due to her prior efforts to make the payment and her willingness to pay her total amount due, we have waived the returned check fee and removed the 31-day late payment from her credit file, which should be reflected on her credit file within the next days We hope this information clarifies the matterIf 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 Tell us why here

Complaint: ***
I am rejecting this response because:It is a complete lieI did too contact turn in December when they canceled the old card with fraudulent activity and sent me a new cardThere lack of responsibility and lack of telling the truth is dishearteningI called in December and then followed up again January 13, I can give me new card number last digits that I finally receivedThey need to do their jobI still need the form to complete for the fraudulent activityThey are liars.
Sincerely,
*** ***

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 16, 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 stepsAll interactions with the consumer were reviewed and it was discovered that inconsistent information was providedFeedback / redirection has been provided to all agents who spoke with Ms***We have also issued the consumer a courtesy credit of $as appreciation for her patience while the events in her submission were investigatedThe annual fee was not credited since the account is in an open statusWe 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 October 20, Revdex.com P.OBox Dupont, WA RE: *** *** Case
#*** Dear Revdex.com: This letter is in response to your inquiry dated October 12, 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 consumer’s account was recently credited of all late and over limit fees and payment history was also correctedThe consumer has been contacted directly to discuss issues with making online paymentsBecause we are unable to identify an issue with her account, the consumer has agreed to contact us directly the next time she is unsuccessful in creating an online paymentWe believe 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 *** 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 am still owed credit, I have called and was on hold min the other day, I work part time jobs, no always able to answer my phone, bankcard services always calls when I'm at my morning job, and I have called back twice, I am being charged for no reason, on 8-29- charges fee and fee, total of 52.00, I talked to a supervisor a month ago, she didn't know why I was charged, so please give me my credit of sincerely *** ***
Sincerely,
*** ***

Complaint: ***I am rejecting this response because: I would like for the Revdex.com to continue communicating with cared service because I was not successful with customer service regarding adding on interest changes when there should have been no charges at all because my payments was not late; it's a fact my payment was early, and I was calling to inform the company or customer service of that transation, so it could be documentedI am asking Revdex.com to continue corresponding with this company to seek resolution for both parties involved considering the lack of communciation from the beginning.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 meSincerely, *** ***

Dear Revdex.com:
This letter is in response to your inquiry dated August 5, 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 balance of the account has been decreased which results in a decrease of the Monthly Minimum Payment amount requested each monthPreviously assessed finance charges have also been creditedA new statement, reflecting all changes to the account, will be sent later this monthWe 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,

February 22, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear
Revdex.com: This letter is in response to your inquiry dated February 18, 2018, regarding a complaint filed with your office by the above referenced consumer, in which Mrs*** asserted she never applied for or used the card and wanted the account to be closedWe reviewed her account and found the followingThe account was opened in November; there has been no purchase activity on the account and had only been billed for the membership fee, as she asserts in her complaint. Her first statement was issued in December but we were not contacted until January 9th, just after her second statement was issued.We immediately denoted the account was a potential Fraud upon her notifying us in January. The only collection letter was issued the next day and was likely scheduled to be sent before she contacted us.According to our records, we did not make any attempt to collect on the disputed account. Her February billing statement did reflect the applicable late fees; all accounts are updated once the investigations are completed; credits are issued as applicable. She contacted us on 2/17/18; we explained our Fraud team was still reviewing her account. It is to our mutual benefit to fully investigate such issues to prevent continued fraudulent activity in our customers’ names. We regret the delay in completing the investigation and apologize for any concern the delay caused.The account has been statused as a Fraud account which will prevent it from reporting in the future on Mrs*** credit file and she will not receive any further billing statementsPlease allow days for her credit file to update with this change. A letter was sent on 2/20/which clarifies the steps taken on her account. 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.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***