Genesis Bankcard Services

Bankcard Services November 15, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated November 10, 2016, 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 complaintWe have contacted the merchant directly; they have committed to stop assessing charges and refund all charges applied to the account by them in from May through presentWe have been advised the credits should be reflected in the balance within five business daysWe will continue to monitor the account and ensure these credits take place We 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

Dear Revdex.com:This letter is in response to your inquiry dated December 14, 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 account to determine next steps The account has been closed as the customer requested; the balance was waived and his payments are being refunded directly to the payment source that he used to make the paymentsTo offset the inconvenience of the misinformation, the past due status has been removed, late fees waived and credit bureau reporting has been updated, a confirmation letter of these actions has been mailed to the consumerWe 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

June 2, Revdex.com [redacted] RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated June 26, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms [redacted] bringing this issue to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we have made arrangements to decrease her balanceAdditionally, we have contacted the consumer directly to discuss the desired outcome and ensure her satisfaction with the resolution of this submissionWe 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 [redacted] Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services

October 8, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated September 30, 2015, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr [redacted] bringing this issue to our attention and apologize for the mis-communications that have contributed to his frustrationWe have contacted the customer directly and we believe resolved the issue 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 November 21, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated November 20, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms [redacted] bringing this issue to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we have applied a credit of the assessed finance charges to the consumer’s accountWe have contacted the customer directly to discuss possible options and 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 1-866-453- Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services

March 26, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated March 19, 2018, regarding a complaint filed with your office by the above referenced consumer, in which he asserted he never had an account with Mid-Atlantic Bank and Trust (MABT) and wanted the account removed from his credit file We wish to clarify that MABT was the bank for his Mattress Firm account, the phone number for which matches the one provided with this complaint Our Fraud department researched this issue for Mr [redacted] in February and found that the account was established with information that matched Mr [redacted] ’s, including his date of birth and social security number We have already denoted on his credit file that he disagrees with our findings We believe we have adequately researched and resolved this matter and in order to maintain the integrity of the credit reporting system, cannot remove this from 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 Tell us why here

Dear Better Business Bureau:This letter is in response to the rejection to a response from your inquiry presented to us August 10, 2017, regarding a complaint filed with your office by the above referenced consumerWe appreciate Ms [redacted] advising us that the credit bureau reporting had not yet updated the current status of the accountWe have submitted a request to have the reporting corrected to accurately reflect the status of the account prior to being sold and that is had been transferred to a new ownerWe suggest the consumer allow up to days for the bureaus update to be reflectedAs previously stated, the payment sent by the customer was forwarded to the new owner of her account, who processed the payment and confirmed they are not bureau reporting on the accountWe 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

Response attachedPlease let me know if there are questions Dear Revdex.com: This letter is in response to your inquiry dated August 19, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms [redacted] bringing this issue to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint we have reviewed the account to determine next stepsThe necessary documentation was received and all credits have been applied to the account which now has a $balanceAn updated statement reflecting that balance is scheduled to be sent on or about September 5, We believe our actions on this submission 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

July 10, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated June 22, 2015, regarding a complaint filed with your office by the above referenced consumer After reviewing the information and requested resolution contained in the consumer’s complaint we attempted to contact the customer directly via phone on June 26th, June 30th and July 2nd at the number provided on thee Revdex.com complaint (which matches the number we have on file)On each occasion we left a message with contact information for returning our callWe are unable to resolve this issue until we are able to speak directly with her If the consumer will return our calls, we feel we can work to quickly resolve the issue with herOur customer service hours are from 6am to 6pm, Pacific Time, seven days a week and we can be contacted at [redacted] Sincerely, Bankcard Services

Dear Better Business Bureau:This letter is in response to your inquiry dated October 31, 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 account to determine next stepsThe account has been closed, per the consumer’s request, and the trade line deletedA confirmation letter of these actions has been sent for his recordsWe 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 [redacted] , and find that this resolution is satisfactory to me Sincerely, *** ***

Bankcard Services March 29, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to the rejection to a response sent March 14, 2017, regarding a complaint filed with your office by the above referenced consumer Mr [redacted] ’s account and all interactions between him and our representatives have been reviewed to ensure the steps taken adequately addressed the consumer’s concernsAs previously stated, our records for this consumer have been accurately reflected in the consumer’s statement and on our website, and as a courtesy, half of the remaining late fees on the account have been creditedAll applicable changes have been madeWe 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

January 22, Revdex.comP.OBox 1000Dupont, WA RE: [redacted] Case # [redacted] Dear Better Business Bureau: This letter is in response to your inquiry dated January 19, 2018, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms [redacted] bringing this concern to our attentionWe want to assure Ms [redacted] that we are an accredited business in good standing It is to our mutual benefit that we issue cards for which our customers apply and all steps were taken to make sure she received her card We regret any issues that transpired that prevented her from receiving it We reviewed the account and per the consumer’s request, the account has been closedWe credited all fees that have been charged since she established the account in November, including the annual fee, as well as the finance charges that were assessed, which reduced her account balance to zeroShe will receive her final statement by the third week of February which will reflect these changes 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 weekSincerely, Bankcard Services

April 30, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # Dear Revdex.com: This letter is in response to your inquiry dated April 28, 2018, regarding a complaint filed with your office by the above referenced consumer, in which [redacted] *** asserted she never activated the card and wanted the account to be closed; she expressed frustration that her initial request was not honored as agreed We reviewed her account and found her assertions to be accurate She opened the account on April 2, and called to request it to be closed on April 5, because she could not afford the annual membership fee We offered to reduce that amount but she preferred not to keep the card The representative cleared the balance as agreed but did not clo se the account; she did accurately note MsJones wishes so the error was inadvertent The account was closed on April 26, We have sent the details of this complaint to the management team of the representative involved to prevent a reoccurrence We truly appreciate the time [redacted] took to inform us of this issue so we can improve the service we provide 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

Bankcard Services September 15, Revdex.com P.OBox Dupont, WA RE: [redacted] [redacted] Dear Revdex.com: This letter is in response to your inquiry dated September 15, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate [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 stepsThere has been no attempt by us to contact the consumer since March 17, This account charged off and was sold to Windy City Capital Management in March of this year, they can be contacted at 1-866-233-We 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

April 16, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated April 10th, 2018, regarding some continued frustration from [redacted] regarding limited account management options on our website We would like to thank MsHolcomb for the feedback and ideas to improve the website Any feedback such as this is very much appreciated and has been taken into consideration for future use, we appreciate [redacted] as a customer and are happy to learn that her specific issue has been resolvedPayment allocation is systemically driven for each account and payments are applied in full as enumerated in her credit agreement in whichever billing cycle they are received 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 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 trade line has been deleted and a confirmation letter of these actions has been sent 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

Bankcard Services July 6, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated June 26, 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 can confirm the account was paid in full as of June 19thA letter confirming that balance was mailed June 30th, a final statement reflecting a $balance will be mailed this weekWe appreciate her desire for a Certificate of Ownership and suggest she contact the merchant directly for that document; while her purchase was financed by us we are not privy to the actual product she purchasedWe 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 July 27, 2017, regarding a complaint filed with your office by the above referenced consumerWe appreciate Ms [redacted] - [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 stepsInitial action taken to correct the consumer’s web account has been unsuccessfulHer account has been credited for the outstanding late fee assessed to it and she will be reimbursed for the cost associated with making a payment via MoneyGram until her web account has been correctedWe have been in direct contact with the consumer and will continue to work with her to resolve this situationWe 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 1-866-726- Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.Sincerely,Bankcard Services

December 3, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated December 1, 2015, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms [redacted] bringing this issue to our attentionWhile we understand her frustration, it would be highly unlikely for anyone to apply for a department store credit card and receive a Milestone Gold MasterCard insteadThat said, we have closed the account and removed the annual feeWe believe we have resolved the issue to her satisfaction If you or the consumer have additional questions or concerns, contact us at 1-866-453-Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services