Genesis Bankcard Services

I dont want to continue with the debt with this place, I am happy to change this debt to [redacted] and have clearer results and statements, I just finished a conversation with an agent because the account is never clear to me, is a total lack of respect

January 25, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated January 19, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms [redacted] inquiryAfter reviewing the consumer’s complaint we have a few alternative scenarios to present to Ms [redacted] , however need to speak in person with her to do soWe have attempted to contact the consumer by phone, and left several messages, but at this time have been unable to reach herUnfortunately, without directly discussing the options with the consumer, there is little we can doWe ask that she contact us at the number below 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

March 2, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated February 24, 2018, regarding a complaint filed with your office by the above referenced consumerMs [redacted] stated she believes she is being double billed for a purchase in the amount of $1, We reviewed her account and found the following She opened her account in September and financed two purchases on 9/23/17; one totaling $and one totaling $On 10/9/a third purchase of $1,was financedHer account cycles, meaning the billing period ends, on the 18th of each month Payments are owed on or before the 17th of each monthWe received the first payment as agreed for these purchases on 11/17/We do show a purchase approval in the amount of $1,but no additional merchandise was ever financed to her account She never received her card and called in shortly after this purchase was originally approvedWhen cards are not received the original account is closed and a new one is openedThat caused this purchase not to post to the newly created account We appreciate Ms [redacted] bringing this issue to our attentionIn her conversation with us 2/23, Ms [redacted] acknowledged she received the merchandise totaling $1,but that charge has not been reflected on her statements We regret that there was some confusion regarding the issue on Ms***’s account When she initially called in, she stated her credit limit was reduced by too much, so the representatives focused on the purchase approval process and overlooked that detail offered - she had indeed received the merchandiseA representative talked with the store on 2/23; we removed the purchase approval so the store could re-ring the purchaseThe store representative clarified in that conversation that the $1,purchase will be reflected on her next statement That statement will not process until 3/18/ 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

February 19, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Better Business Bureau: This letter is in response to your inquiry dated February 13, 2018, regarding a complaint filed with your office by the above referenced consumerShe was frustrated that the late fee was not immediately credited to her account She was also frustrated that the representative with whom she spoke was difficult to understandShe spoke with a representative on 2/2/who tried to explain that there is a waiting period of days for the late fees to be waived to make sure the payment made processes as agreed before crediting the fees The representative explained the late fee is pending in the system, but did not clarify what that meant adequately The representative further stated that it would be done days after her next scheduled payment, or the 23rd of February because the payment was scheduled for the 9th in our system She also asked if the customer wished to cancel that payment and process it for the same day, 2/2, and clarified there would still be a day wait from that date The consumer was frustrated with the lack of detail and clarity in the explanation so she asked to speak with a representative in the US The representative immediately transferred the customer to a US representative, but it was the wrong department We tried to provide a direct number for the proper department, but the customer did not want to wait any longer and ended the call We notified the manager of the representative of the issues encountered to prevent a reoccurrenceWhile the explanation was not explained clearly, the response was accurate There is a customary hold of days to waive fees The waiver is applied in the system at the same time the payment is processed, but it is not credited to the account until the waiting period has expired; that would have been on 2/as previously communicated A complaint was logged internally and the late fee waiver that was auto-entered systemically was cancelled and an immediate credit of $was processed to MsEdman’s account on 2/16/ Her February statement had already processed and printed on 2/13/18, so the credit will not be reflected until her March statementWe 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 14, Revdex.com P.OBox Dupont, WA RE: Steven Drysdale Case # Dear Revdex.com: This letter is in response to your inquiry dated March 5, 2018, regarding a complaint filed with your office by the above referenced consumerIt is important to note that this complaint was originally submitted to a local Revdex.com office on 11/29/and was resolved with [redacted] as requested on 12/5/ The due date was changed as requested at that time and payments have been maintained as agreed since We regret any frustration [redacted] experienced in getting this request fulfilled; we do allow our customers the option to change the due date as needed to help maintain their accounts with us 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 [redacted] , and find that this resolution is satisfactory to meAs explained in my dispute I would like this account along with any negative information that was placed on my credit report removedSincerely, [redacted] ***

April 10, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] 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 she asserted she never used the card and wanted the account removed from her creditWe reviewed her account and found the following The account was opened 8/8/ The Membership Fee is billed upon establishing the account and is disclosed on the application page The account activation is a security procedure but does not impact when or how the fee is billed.There has been no purchase activity; the balance is fees Statements have been issued indicating that.Our records indicate she called in August to complain about the fee; while it is our policy to allow accounts to be closed and the membership fee waived, the representative with whom she spoke at that time did not follow our stated policy.Efforts to contact Ms [redacted] after that were unsuccessful; we were unaware of this issue until we received this complaint.We waived all fees and removed all delinquencies that had been reported due to those fees from her credit file.Since she acknowledges establishing the account, we did not delete the entire trade line from her credit file; it is reporting as a zero balance, never delinquent, closed by consumer account, which is an accurate reporting of her activity with us had her original request been honored as it should have been 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

Bankcard Services May 18, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated May 10, 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 the requested action on the consumer’s behalfConfirmation correspondence of all actions taken will be sent to the customer shortlyWe 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

January 18, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Better Business Bureau: This letter is in response to your inquiry dated January 11, 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 reviewed his account and found the following: Mr [redacted] opened his account on 10/8/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 statements also denote that for promotional deferred interest plans, more than the minimum each month must be paid in order to make sure the financed balance is paid off in the specified time frame During the 12-month promotional period, only the scheduled minimum payments were maintained which were insufficient to pay off the promotional balance; a total of $1,in payments were paid While there were months in which double payments were made, that was to compensate for a prior missed payment and we waived some applicable late fees for Mr [redacted] as a courtesySince the total amount paid is less than the financed balance, the deferred interest that had accrued during the promotional period and which were reflected on his statements were billed 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

January 19, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Better Business Bureau: This letter is in response to your inquiry dated January 16, 2018, regarding a complaint filed with your office by the above referenced consumer We reviewed her account and found the following: We listened to the call from 10/23/due to an assertion made in the 12/conversation that a representative offered to waive the annual fee in October There was no discussion of the annual fee or waiving it The discussion centered on payment processing issues we were experiencing and her expressed concern at that time was being assessed a late fee, even though it was our system issues that caused the delay in payment We offered and honored waiving the late fee that was assessed due to the system issuesPer the assertion in her complaint that she called to cancel her account in November because of the annual fee, we listened to that call as well In that interaction, Ms [redacted] was upset because her statement reflected a double payment was owed Her statement printed before the payment that we processed for her in October posted The representative reassured her she could just pay the $owed for November and that she would also only owe $in December He was unaware of the timing of the annual fee, which was itemized and communicated on the same statement that generated the phone call from Ms [redacted] She did not inquire about the annual fee or threaten to close her account because of it in this conversationIn the conversation on 12/23/17, our representative informed Ms [redacted] that the offer to waive the fee was not documented and is not customary; she clarified representatives are permitted to waive a portion of the fee as a courtesy and offered to credit her $ The representative clarified the fee was charged in accordance with her credit agreement with us and sought management approval to make an exceptionAn exception was made and the annual fee was waived Ms [redacted] further requested that we adjust the scheduled payment that had increased considerably due to the annual fee While it is true that we cannot adjust the scheduled payment, the representative should have clarified that the regularly scheduled payment would have been sufficient because the system would adjust what was due based on the new balance once the account cycled That was clarified for Ms [redacted] in a subsequent conversation We apologize for any frustration caused by the misinformation given; we have addressed the issue with management to prevent any further issuesThe representative closed Ms [redacted] ’s card due to the disagreement caused by the misinformation offered; we can re-open the account in light of that error We attempted to reach Ms [redacted] directly but there was no answer and no messaging system She may contact us at the number below 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: [redacted] I am rejecting this response because: I received a call from the bankcard services on July 18, from telephone number 518-888-I missed the call and returned the call and spoke to customer services They told me that they sent another credit card but would not change my date until received the card, then they would adjust the payment date, and charges I told them thanks and hung up the phone I am still not satisfied because I don't trust them, they told me twice they would cancel the due date and when I called back, they didn't The first and second conversation I had with them, I asked them to cancel the credit card and they told me I couldn'tI need your help, getting them to cancel the account, I have not received the card to activate itThank-youSincerely, [redacted]

July 13, 2017Revdex.comP.OBox 1000Dupont, WA 98327RE: [redacted] Case # [redacted] Dear RevDex.com:This letter is in response to your inquiry dated July 6, 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 account to determine next stepsThe account was closed as the consumer requested; all fees have been credited as of July 13th and a letter confirming the account’s zero balance has been requestedThe credits have been applied to the consumer’s account before her next billing statement which will confirm the $balance; that statement will be sent next weekWe 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

Dear RevDex.com:This letter is in response to your inquiry dated October 27, 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 stepsThe address placed on the account at opening was incorrect but was updated September 27th and is the same address that appears on the consumer’s submissionBecause the consumer would not have received any of his important documents they have been resent; all statements and the Welcome kit have been requested for delivery and should be received within 7-daysThe 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 contacted the customer directly to discuss the action taken and confirm the correct mailing addressWe 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 13, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated April 12, 2018, regarding a complaint filed with your office by the above referenced consumerMr [redacted] is upset that we did not mail out the authorized user’s (AU) card and would like to have all fees rebatedWe reviewed his account and our communications with Mr [redacted] and found the followingOn 2/5/Mr [redacted] called in to add an AU to his account Per our policy he was informed there is a $fee for the additional card request and an anticipated delivery time of weeks to receive the card On 2/8/the AU card request was processed and the $fee was assessed a second time in error On this date Mr [redacted] contacted us let us know he reviewed his statement online and noticed he was billed twice for the same fee The second fee was rebated the following day.On 3/5/Mr [redacted] contact us to let us know he had not received his card; at this time we offered to re-mail his card along with the AU card however, we had to block his card to avoid any possibilities of unauthorized purchases until the AU card was received We also clarified they share the same account number; this is a fraud prevention policy.On 4/12/Mr [redacted] contacted us and wanted the AU card expedited and the fees he paid so far rebated since he never received either card We accurately explained that we cannot expedite card shipment and confirmed his address Please note the address on file initially is the same address submitted with this complaint We added “Apt #” to the second address line only Since he was not able to utilize the cards and the account is currently closed due to the lost in transit code, we have waived his annual membership fee We have noted on his account that he may re-establish it without an additional AU fee but would like to confirm with him the contact information we have on file; he may contact us at the number below prior to attempting to resend a third timeWe 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 Tell us why here

Complaint: [redacted] I am rejecting this response because:Two payments were posted to my account, not one.The total amount posted was $80, for two payments of $eachTwo payments were deducted from my bank account.Also, the company does not update their online payment system to reflect payments, so when a payment is made, it still states that I owe the monthly paymenteven when it is was already paid.It is impossible to reach anyone there at any timeTheir automated phone system is always down, as is their websiteThere is something seriously wrong with this company, and I believe their practices may be illegal Sincerely, [redacted]

March 16, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated March 8, 2018, regarding a complaint filed with your office by the above referenced consumerMs [redacted] is upset that she was charged a late fee after canceling her payment She did not recognize our full business name on her bank statement and reversed itWe wish to clarify that a late fee was not billed, but rather a reverse payment fee We reviewed her account and found the followingAs asserted Ms [redacted] has maintained her payments as agreed each month, until the name updated in the payment system from Bankcard Services to GenesisWe regret that our full name was not known to her and apologize for any frustration that caused “Genesis Bankcard Services” is listed on the home page of the Indigo website, and both names are listed in the website terms; however, we do recognize that is not the name with which she was familiar when making her payments, and we appreciate that would be disconcerting We waived the reverse payment fee as a courtesy.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 Tell us why here

Bankcard Services May 15, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated May 15, 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 confirmed the consumer applied for the account as is stated in her submissionWhile we appreciate the consumer’s diligence in managing her credit report, she did initiate an application with us which authorized bureau history to be checked and an inquiry to be placed on the applicant’s credit bureauThe reporting of an inquiry is accurate and was authorized by the consumer and will remainWe 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: [redacted] I am rejecting this response because: They hounded me and my parents until I paid the $which I still do not believe I owed This is all Bank Card Fees They were renlentless is hounding meThey ought to go to jail Sincerely, [redacted]

February 20, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Better Business Bureau: This letter is in response to your inquiry dated February 14, 2018, regarding a complaint filed with your office by the above referenced consumerShe is inquiring about a payment that was submitted on an old purged account and was requesting a refund We reviewed her account and found the following We located the account when she spoke with us on 2/13/18; we initially explained the account was no longer on file and later clarified the account was purged We explained that we needed to contact our payment department to confirm the receipt of the payment and would call her backA person with whom we are authorized to speak, Sylvia Bolden, called us again on 2/15/asking about the $payment We explained that there is day hold on refunds when check payments are submitted to ensure the payment is valid before refunding the fundsWe clarified that the refund will be processed on 2/26/18, provided the original payment is not returned by her bank 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 May 22, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated May 16, 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 discussed her situation with our Fraud department to determine next steps to best assist the consumer in protecting her creditAn ID Theft affidavit has been sent as a means to help us conduct a reasonable investigation as is required by [redacted] ®We believe our actions have addressed her concerns We hope this resolves this matter, but if you or the consumer have 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