Genesis Bankcard Services

Bankcard Services June 23, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated June 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 reviewed the account to determine next stepsA refund check was mailed and returned to our office due to invalid mailing address; we have been unable to confirm the consumer’s mailing addressMs [redacted] made her payment through our online payment system which gives us the option of returning the payment to the same accountThat credit should appear on her checking/savings account early 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 January 27, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated January 18, 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 reviewed the account, reached out to the merchant for additional information and reviewed recent conversations between the consumer and Bankcard ServicesThere have been several credits from the merchant on the consumer’s account reducing the balance considerablyAdditional credits have been applied to remove the two late fees assessed to the accountThe current balance is less than $We have been unsuccessful in our attempts to contact the consumer directly but 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 18, 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 stepsWe have updated the account to remove any indication of bankruptcy as there was no indication bankruptcy was discussedIn addition, the consumer’s history has been updated on the account and steps to correct bureau reporting have been implemented; a letter confirming that correction will be sent to the consumerCopies of statements not previously sent to the consumer have been requested and will be sent to him for his recordsThe late fee assessed to the account during this period has been credited and will appear on the next billing statement in mid-NovemberFinally, the promotion period for this account has been extended as the consumer’s ability to make monthly payments was inhibited by the coding change previously placed on the accountWe appreciate the consumer’s patience while the corrections were made to his account and 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 [redacted] 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: while I appreciate their finally crediting my account on 7/13/for payments made 5/1/and correcting the balance to zeroThere is no apology for this having been thoughtlessly done and costing me much time to correct something that should not have ever occurredAdditionally, the threatening past due notes and the threatening collection calls have not been addressedNeither has the issue of negative credit report comments.I do not delude myself that this company would ever apologize for having done this but I do expect them to STOP the collection calls and CORRECT my credit report to positive and STOP the threatening "past due" notices.They did NOT act ethically or honorably about my closing this account Sincerely, [redacted]

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 response We 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 Milestone account, 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 Aspen Dental 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: Aspen Dental/Credit Corp Group Milestone MasterCard / Galaxy International Purchasing, LLC Phone Number: [redacted] Mailing Address: [redacted] 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

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 meSincerely, [redacted]

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 21, 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 reviewed the account to determine next stepsPayment allocation for this account is divided amongst purchases meaning a portion of the payment is applied to each purchase; she does not have the option to determine which purchase to which the payment will applyAs a courtesy, the applied finance charges have been creditedIn the future, the consumer will want to speak with a Bankcard Services representative in order to ensure the payment is sufficient to pay off the intended purchaseWe 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

February 7, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Better Business Bureau: This letter is in response to your inquiry dated January 31, 2018, regarding a complaint filed with your office by the above referenced consumerWe appreciate [redacted] bringing this concern to our attention and affording us the opportunity to clarify what has transpiredWe reviewed his account and found the following: [redacted] contacted us on 1/15/to inform us of fraudulent activity on his credit card That same day we denoted all disputed purchases as in dispute to suppress the disputed amounts from impacting what was owedWe immediately closed the original account and opened a new account due to the reported fraud activity This would require that [redacted] re-register online with us to regain that feature on the new accountPayments are owed in each billing period for any amount that is not in dispute We requested a payment on the undisputed amount owed and agreed to waive the late fee that had posted once the account was brought current As a courtesy we waived the late fee on 1/30/without a payment That will be reflected on his February billing statement, after his account cycles on the 25thWe researched his claims with each merchant and ultimately decided in [redacted] ’s favor; a letter clarifying that was sent today, 2/7/As with any credit card, new purchases are subject to credit approval Regardless of why an account is past due, we cannot allow additional purchases when payments are not maintained as agreed The last payment we received was on 12/24/and that posted for your December billing period A $payment is past due for the undisputed charges posted to your account and owed on or before 1/ Another $payment will be due on or before 2/ 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: Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:Here is the account numberAs I said previously this is my wife’s account that “IAM AN AUTHORIZED USER ON” her name is [redacted] Account number is [redacted] Sincerely, [redacted]

March 26, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated February 11, 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 in regards to waiving the late feeAdditionally, we have attempted to contact the customer directly in order to assure further resolution of the situation, but to date have been unable to speak directly with him 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

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 received a bill with a credit just this past Monday February 26thSo, please be sure that the account is closed in good standing with the credit reporting agencies as wellI had difficulty obtaining a vehicle due to your company's treatment of my account and inaccurate reports to the credit reporting agencies, specifically [redacted] Sincerely, [redacted]

Dear Revdex.com:This letter is in response to your inquiry dated December 20, 2017, regarding a complaint filed with your office by the above referenced consumerWe appreciate the consumer contacting us in regards to his experience with our account and his patience while we review and resolve his claimSince the consumer never used the account and the card was never activated she is not responsible for any fees assessed to the accountAll assessed fees have been credited and a confirmation letter was sent to the consumer’s addressIn addition, the account has been closed per the consumer’s requestWe 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

Bankcard Services July 3, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated June 25, 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 reviewed the account to determine next stepsAs [redacted] stated, the account was closed due to lack of use which is our policyWhile we’re unable to delete the tradeline, we do have other options we can offer such as reopening for use for a limited period or changing the status of the closureOur attempt to contact the consumer directly to discuss possible options was unsuccessful Should the consumer wish to discuss these options, they can contact us directlyWe 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 1-866-726- Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services

November 8, Revdex.comP.OBox 1000Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated October 31, regarding a complaint filed with your office by the above referenced consumerThe initial response to the consumer’s submission was rejected by the consumer Mr [redacted] rejected our response and provided three attached documentsTwo of those documents were copies of our response to the consumer’s initial claim dated November 7, The third appears to be a copy of the trade line from a creditor by the name of Central Credit, with which we have no affiliationAs previously stated, the trade line addressed and deleted as a result of this submission was the Milestone MasterCard accountWe suggest any concerns the consumer may have with Central Credit be directed to themWe 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 weekSincerely, Bankcard Services

November 27, Revdex.comP.OBox 1000Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated November 23, 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 account to determine next stepsThe consumer has made payments on this account since it opened July 18, Of the payments, of them have been returned as Insufficient Funds by his financial institutionWe identified a payment trend that may prove helpful in making future good paymentsPayments made by Mr [redacted] with the assistance of a representative prior to 5pm Pacific Time tend to clear the consumers financial institution without incidentPayments made on our website after 5pm Pacific Time tend to be returnedPayments made after 5pm Pacific Time are not processed until the following evening and could take up to four days to be withdrawn from the consumer’s checking account by the consumer’s financial institutionIn addition, payments made late Friday or over the weekend are not processed until the following Monday eveningWhen a payment has been returned as Insufficient Funds it is re-presented to the financial institution for payment, which delays consumer notification of a returned paymentThe consumer’s financial institution would also notify him of the return and the balance of his checking account would indicate the withdrawal for payment unsuccessfulOnce we’ve been notified of a returned payment, phone calls and letters to notify the consumer of the unsuccessful payments ensueA copy of the consumer’s payment history has been sent to him for reviewThis will provide the date and amount of each payment, returned or successfulWe 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 weekSincerely, Bankcard Services

Dear Revdex.com:This letter is in response to your inquiry dated December 12, 2017, regarding a complaint filed with your office by the above referenced consumerWe appreciate the consumer contacting us in regards to his experience with our account and his patience while we review and resolve his claimBecause the consumer was never able to use the account and the card was never activated he is not responsible for any fees assessed to the accountAll assessed fees have been credited and a request to refund those fees has been submittedThe consumer will receive a reimbursement check of $In addition, the account has been closed per the consumer’s request; there has been no negative reporting for this account 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

February 19, Revdex.com P.OBox Dupont, WA RE: Miriam N [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated February 11, 2018, regarding a complaint filed with your office by the above referenced consumerShe wants to know if she will be given a provisional credit pending our dispute resolution process with a merchant, from whom she already received a partial credit We reviewed the account and found the followingThe original disputed purchase was charged on 1/16/for $and was reflected on her January billing statementShe received a full credit for the original charge by the merchant on 1/21/for $and was rebilled in the amount of $on 1/26/ The merchant provided a partial credit of $on 2/13/ MsN [redacted] paid her account balance in full by 2/16/18; we are grateful for her patronage She may submit a dispute if she still feels a full credit was warranted We do not credit any account until a billing dispute is resolved, but we do take steps to prevent the disputed amount from being collected or reported on during the investigative process Once a determination is made, we will notify the consumer of the findings and any credits that are warranted are done upon completion of the investigation 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 8, Revdex.comP.OBox 1000Dupont, WA Re: [redacted] Case #: [redacted] Dear Revdex.com: We received a complaint dated February 28, for the above named consumer Mr [redacted] is upset that the automatic payments he established online did not function as anticipatedThe issue caused him to be billed a late fee, which he does not feel is appropriate We reviewed his account and found the following.Mr [redacted] did establish automatic payments He set the payment to be his scheduled minimum payment plus $ Based on his balance at the time he established the recurring schedule, the payment amount was sufficient.In a phone conversation with Mr [redacted] on 2/27/18, we incorrectly informed him that his promotional period expired and that was why his minimum payment increased The minimum payment increased on Mr [redacted] ’s account because a new purchase was financed in December A coaching package was sent to the Manager of the representative to prevent a reoccurrence.Due to the purchase, his minimum payment increased $ Please note we cannot alter consumer electronic payments without their consent There is an option to set the recurring payment for the minimum billed on each statement, but a fixed payment was established We apologize if that was not clear at the time he established the schedule; he can still do so if he would prefer.Given his prior payment performance and the misunderstanding about the recurring schedule, we have waived the late fee as requested.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

My claim was not resolved