Genesis Bankcard Services

Bankcard Services August 17, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated August 10, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms [redacted] 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 referenced in the consumer’s complaint is no longer owned by Bankcard ServicesThe payment mailed to our office was forwarded to the new account owner as is customaryThe account history reflected on the consumer’s credit report accurately reflects her payment history during the time the account was serviced by Bankcard ServicesWe have spoken with the consumer and referred her to the new account owner, LTD, for additional informationWe 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: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated March 27, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr [redacted] 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 contacted the consumer directly to discuss the issue and have made arrangements with him to resolve the accountWe 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

February 6, Revdex.com P.OBox Dupont, WA Re: [redacted] Case #: [redacted] Dear Revdex.com: We received substantively the same complaint earlier this month with a different case number; our response is attached below The consumer has not provided any new or different information that would make us alter our response at this time If she has documentation that refutes how the payment histories supplied to her are not thorough or accurate, we would be happy to review and reassess our decision Sincerely, Genesis Card Services January 10, Revdex.com P.OBox Dupont, WA Re: [redacted] Case #: [redacted] Dear Revdex.com: We received a complaint dated January 5, for the above named consumer in which she indicated she was dissatisfied with our previous responseWe reviewed the added detail submitted with her complaint and compared that detail to the information we previously shared Our findings follow All payments that she sent in the attachment are accounted for in the payment histories previously submittedpayments were applied to her [redacted] , dated 4/26/16, 3/29/16, 2/29/and 1/4/ These were the last billing periods prior to the sale of her account.The remaining payments were applied to her [redacted] account.During the time those payments were submitted, each of her accounts that were serviced by Genesis FS Card Services had payments owed In addition, payments were submitted on the same date for each respective account, applied promptly and would have been reflected on her billing statements at that time.As previously communicated, neither of these account are serviced by Genesis any longer We have denoted the new owners’ contact information for her reference From/To: [redacted] / [redacted] / [redacted] ***Phone Number:800-483-2361800-305-9811Mailing Address:West Election RoadSuite 200Draper, UT South Fort Apache RoadSuite 300Las Vegas, NV 89147-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 weekSincerely, Genesis Card Services Tell us why here

February 1, Revdex.com P.OBox Dupont, WA Re: [redacted] Case #: [redacted] Dear Revdex.com: We received a complaint dated January 26, for the above named consumer in which he stated his account and credit line were closed and requested that it be reinstated We reviewed his account and a summary of our findings follow• Mr [redacted] opened his Milestone account on 1/12/• His first payment was owed on or before 2/20/17; no payment was receivedPayments were maintained for the next three billing periods, March, April and May of Payments have been reversed throughout the life of the account, starting in March; multiple payments were made, and only some would be reversed within the same billing cycle, allowing for a valid payment to register within the billing period.Scheduled payments were not received for the June through November billing periods.Mr [redacted] paid his balance in full in the December billing cycle One of the two payments made toward the balance in this billing period was also returned as a reverse paymentThe reversal reason cited by the bank is that the account used to make his Milestone payment is frozen Mr [redacted] called in January and reported his wallet stolen and requested an account closure for that reason He called back later that same day and stated that he changed his mind; he had destroyed the card and just wanted it to be reissued He was mistakenly told that since it was closed the same day, it could be reopened While that is generally true, it cannot be done on this account due to the payment performance and reversals denoted.He spoke with us on 1/26/and indicated the issues were not his fault, but an error with his bank The most recent payment he established with us on 1/23/was reversed with the same reason, “frozen account” cited by his bank on 1/30/ Mr [redacted] will need to rectify the issue with his bank and provide an alternate means of satisfying his indebtedness If he has additional documentation that supports his assertions, he may submit them for our reviewIn light of the above, we cannot honor Mr [redacted] ’s request to reopen his credit account 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

March 10, 2017Revdex.comP.OBox 1000Dupont, WA 98327RE: [redacted] Case # [redacted] Dear Better Business Bureau:This letter is in response to your inquiry dated March 2, 2017, regarding a complaint filed with your office by the above referenced consumerWe appreciate Mr [redacted] 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 stepsOur records indicate no conversation between us and the consumer during the timeframe indicatedWe spoke with the consumer in December but not again until March The consumer chose to enter/create payments himself using our website rather than request a representative set them up on his behalfThere is no error in payment history being reported on this accountWe 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 ServicesPlease let me know if there are questionsThank you, Sarah

Revdex.com:Hi ***,I just received this email and wanted to forward it to you.I am completely satisfied with the way that MidAmerica has resolved this issue and I no longer need to persue this.Thank you for all your helpI am grateful beyond words[redacted] ***complaint id# [redacted]

[redacted] March 6, Revdex.com P.OBox Dupont, WA RE: [redacted] Case [redacted] Dear Revdex.com: This letter is in response to your inquiry dated February 27, regarding a complaint filed with your office by the above referenced consumer [redacted] acknowledged paying her account balance with a collection agency and not Genesis FS Card Services She believes we should update her account to a positive status and since she paid the settlement four months ago, we should delete the trade-line from her credit file for the delay in not updating it We reviewed her account and found the followingThe Milestone account was opened on 5/9/and the annual $membership fee applied to the account the same day; purchases were financed in June and July totaling $for a total indebtedness of $293.38.We received one payment of $on 6/22/ She was past due on her account from July until the account charged-off in February 2017.Upon charge-off the account was soldAs [redacted] acknowledges in her complaint, she paid the settlement to the collection agency to whom the debt was sold in October 2017.We reviewed her account with the three major consumer reporting agencies The account is being reported accurately with the detail referenced above, including the fact that the debt was sold and when it first went delinquent.Adverse action such as charge-off may report for up to years from the date it first went delinquent, or from July for this account.As participants in the credit reporting process, we do not alter historical, accurate payment performance This is to maintain the integrity of the credit reporting system.The agency to whom she paid the settlement would be obligated to report the payment, if they elect to participate as a data furnisher, but that is not a requirement If they are not participants, she should retain the record of her payment from them for reference as neededWe hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at [redacted] Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services Tell us why here

February 19, Revdex.comP.OBox 1000Dupont, WA RE: [redacted] Case # [redacted] Dear Better Business Bureau: This letter is in response to your inquiry dated February 12, 2018, regarding a complaint filed with your office by the above referenced consumerShe stated she believes she should have a zero balance and wanted a letter confirming thatWe appreciate [redacted] bringing this concern to our attention and for acknowledging receipt of the refund we issuedWe reviewed her account and found the following She paid for the $annual fee on December 26, On January 17, we processed a credit for the fee and a refund was issued two days later on January 19, That same day, her original payment from December was reversed by her bank In light of that, a returned payment fee of $was assessed to her account in addition to the added charge back for the returned payment for a total indebtedness of $Her January statement printed on January 22, and reflected these chargesShe called and spoke with a representative on February 11, In that call she also acknowledged receiving the check from us for the refund We apologize for the long hold time while waiting for an explanation and a supervisor during this call The issue is clearly denoted on her account and her January statement [redacted] needs to reimburse us for the refund she acknowledged receiving in light of the fact that her payment for which the refund was issued was returned to us The Supervisor did explain that to her but [redacted] did not understand that her original payment was returned to usIf she reimburses us for the $refund issued, we will waive the returned payment fee We hope this resolves this matter, but if you or the consumer has additional questions or concerns, please contact us at [redacted] Our customer service hours are from 6am to 6pm, Pacific Time, seven days a weekSincerely, 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 [redacted] 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 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 October 20, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] 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 [redacted] 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 required monthly minimum payment for the consumer’s account is compiled of a minimum payment for each Purchase transaction; there were two Purchase transactions at the time of the payment referenced in the submissionMinimum Monthly Payment amounts based on purchase as well as required monthly payments are disclosed in the consumer’s Cardholder AgreementWe understand the consumer’s intent and have credited the finance charges as a one-time-courtesyShe will see this credit on her next statementWe have also adjusted the payment allocation to ensure the initial purchase is paid in full with the consumer’s next paymentIf the consumer would like to pay the balance of a single Purchase transaction in the future our customer service staff can supply her with that totalWe 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 [redacted] Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services

March 27, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] 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 [redacted] 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 [redacted] 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 [redacted] ; due to human error our policy was not followed This has been addressed and corrective measures taken to prevent a reoccurrence We thank Ms [redacted] 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 [redacted] 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

Clarification of what? What do I need to send

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meHowever I have unsubscribe other times well past the ten days so on 8/29/for this latest one there fore I expect based on your response that I will not receive anymore starting 8/30/,.Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:I NEVER took this card over the limit and therefore, ALL of these fees need to be reversed.You are charging me over the limit fees for charges or fees that YOU assess and not due to any actions on my partAll of these fees will need to be reversed Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I have recorded phone call from 3/It went over the credit threshold because of annual feeAll of this was taken care of on the phone on 3/therefore the amount due was back at the original balance due and the payment amountThe charge was removed days before the fraudulent payment was put though on the 16th I told the representative that the amount showing was too high and she offered a solution of closing the account and removing the annual fee Their solution caused me undue hardship and the representative set expectation that if the card was closed and the fee removed that the payment would go back to the it has always beenMy payments have never been late that I can ever recall and I trusted that Milestone wouldn't abuse the auto-pay monthly agreement and attached my banking details to show I was committed to making sure they were paid When I called about refunding the difference, the representatives were mean and rude and I was refused a manager several times until I said "are you refusing to let me speak with a manager?" I have already re- paid the payment that was kicked back to due to the nearly triple fraudulent charge and no new payment is due until the 16th.Sincerely, [redacted] ***

March 2, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Better Business Bureau: This letter is in response to your inquiry dated February 22, 2018, regarding a complaint filed with your office by the above referenced consumerWe appreciate Mr [redacted] bringing this concern to our attention and affording us the opportunity to clarify what has transpiredWe wish to clarify that Mr [redacted] established a credit account with Aspen DentalWe reviewed his account and found the following: Mr [redacted] opened his account on 7/27/and financed a $purchase on a 12-month deferred interest planAs enumerated on each statement, interest accrues and is denoted each month but will not be billed if the financed balance is paid in full before the end of the promotional period or months The monthly payments are based on the financed balance and are set to ensure the promotional balance is paid before the end of the promotional period For a $balance, the payments would be $ This balance is scheduled to be paid off in July 2018, if payments are maintained as agreedPayments are due on or before the 8th of each monthThe first payment was due on or before 9/8/ Payments were maintained as agreed through his November billing period That is the last billing period in which a valid payment was receivedOn 10/17/a second purchase was financed on a month deferred interest plan The first full billing period after that purchase started on 11/with the first payment owed on or before December 8th, so the first billing period for which payments were owed on both financed balances was December The scheduled payments increased from $to $in that billing period This is to ensure that both promotional balances are paid before each promotional period expires The second promotional period ends in October In December one of two $payments made in November was returned to us due to insufficient funds A $payment posted to his account on 12/7/but was also returned for insufficient funds on 12/14/ No other payments have been made since that timeWe first contacted Mr [redacted] on 1/11/and attempted to clarify that his payments increased due to the additional purchase, but he terminated the callWe have been unsuccessful in our attempts to speak with Mr [redacted] He returned our call on 2/10/but as soon as he heard it was regarding his Aspen Dental bill, he indicated he no longer wanted to speak with us, that he would report us to the Revdex.com and terminated the callWe regret if there is any confusion as to the type of account Mr [redacted] established If he has a specific question about the credit agreement, a copy of which should have been provided to him upon establishing the account, he may contact us to discuss 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 10, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to the rejection to a response from your inquiry presented to us June 25, 2017, regarding a complaint filed with your office by the above referenced consumer We have spoken with Mr [redacted] about account options and provided clarification where necessaryThe consumer has been offered days in which to identify a purchase to be financed using the Slumberland account; the account can be reopened the day of the desired purchaseThe consumer also has the option of closing the account at their request if unable to find merchandise they’d like to financeWe 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 1-866-726- Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services

Bankcard Services September 12, Revdex.com P.OBox Dupont, WA RE: [redacted] [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated September 8, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr [redacted] 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 by providing a courtesy credit and correspondence with additional details about his requestWe 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 October 6, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated October 5, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr [redacted] 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 provided a copy of the processed payment which enabled us to locate it and have it applied to his accountIn addition, a credit for the cost of tracing the payment will also be applied to his account and his payment history correctedWe have spoken with the customer and advised of the actions taken ad assured him a letter confirming the bureau update has been sentHe has indicated he’s satisfied with the actions taken by us and we believe 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 [redacted] Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services

Bankcard Services January 6, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated December 30, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr [redacted] bringing this concern 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 1-866-453- Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services