Genesis 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 stepsWhile several of the purchases were credited by the merchant(s), one purchase had not been creditedWe have credited that purchase as a one-time-courtesyIn addition, the consumer’s credit bureau reporting is being updated to indicate the account as never late / always paid as agreedA letter confirming these actions will be sent to the consumer once our actions can be completedA statement confirming the $balance on the account is scheduled for November 8, We 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

Bankcard Services July 27, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated July 19, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr [redacted] bringing this issue to our attentionBecause the consumer’s complaint is not specific it is difficult to know what charges are being disputedBased on past submissions from your office in regards to this matter, we have been unable to identify any errors in billing Inconsistent payment does have an impact on the balance of any account as fees as finance charges may be assessedWe would like to gain a better understanding of the consumer’s submission/concern and have attempted to contact the customer; to date we have been unable to speak with him directly We believe this matter is resolved, 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

Hi,My.complaint - ID # [redacted] has been resolved by the businessThank you very much for your help.Best, [redacted] ***

January 22, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated January 18, 2018, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms [redacted] bringing this concern to our attentionWe 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 October, including the annual fee, as well as the finance charges that were assessed, which reduced her account balance to zeroWe removed the delinquency from our file which will update to the bureau on our next submission dateShe will receive her final statement by the second 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 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 me. If you could relay to the company that I never received notice before fee was assessed. If I would of recoeced such notifications I would of cancelled before assessed. They need to check into why I did not review notifications to correct future issues Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:I have read the response submitted by genesis bankcard services and find their response didn't address my concern genesis states that there was no pre approval submitted and there would be no impact to my credit score my concern is as follows before I applied to genesis for a credit card, my credit rating was 731, or rated as "good" afterwards my credit score fell to 711, a "c" in the ratings my question is why did it fall after submitting an application for a credit card through genesis's web site? some action on genesis's behalf has to be responsible for causing it to fall by points if I am in error, I apologize if I am not in error please help me to restore my credit rating back to what it was before I reached out to genesis financial services Sincerely, [redacted] ***

The consumer has been assessed two late payment fees in the amount of $Credits for those fees were applied August 1, $and September 11, The consumer was offered a partial credit of $when she requested to close the account due to the Annual Membership FeeThat credit was applied to the account August 7, When she spoke with a manager about the fees in August, he accidentally recredited the August creditsThe manager error was corrected; an additional late fee was creditedThe consumer has been credited all assessed late fees and a total of $in credit has been applied towards the Annual Membership Fee because of the manager errorWe believe our actions have addressed her concerns

Complaint: [redacted] I am rejecting this response because: I submitted the requested paperwork to the company (police report, FTC report, proof of residence, government issued identification, affidavit) to prove the account was opened fraudulentlyI do not appreciate the company's insinuation that I opened the account in my maiden nameI did not open the account, periodIt was opened fradulently, and the company has provided no proof or evidence that it was opened legitimately.Sincerely, [redacted] ***

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 I accept them removing the bankruptcy and removing the delinquent payments on my credit report I also accept them removing any late fees and extending the promotional interest on the account so my account is in good standings with the creditor Thank you, Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because I had the same problems again with their website on 3/12/I called in and it took me about minutes to get a live customer service rep, and she was from IndiaI also left a voicemail for a U.Srep who has called me several timesThis turned out not to be her "direct number" and it took me another 10-minutes to even leave a message on their answering system.This company has serious problems, and there is really no one to callThey simply do not care, and I think some of their practices are illegal.In checking their website about another payment I made on 3/12/2017, again it said that there was an "error", and I could not check my paymentThis payment was even made by phoneIt took me at least ten minutes to even log onto my customer portal.All of this is ridiculous, and a rip-off Sincerely, [redacted]

April 4, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated March 19, 2016, regarding a complaint filed with your office by the above referenced consumer; a decline to that initial response was dated March 29, We appreciate Mr [redacted] providing us with an example of correspondence he received when attempting to prevent future advertisements and solicitations for our productsThe correspondence provided was from a different company We’ve provided the consumer with a direct contact number and requested any future correspondence he receives for our products be forwarded to our office which will allow us to facilitate the steps needed to prevent additional messages from being received by himWe believe our action plan, with the consumer’s assistance, will remedy 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 10, 2018, regarding a complaint filed with your office by the above referenced consumer [redacted] is upset that we are reporting her account as charge off (CO) and not bankruptcy (BK) as she has filed and been discharged for chapter She has also asserted that we are not following the BK laws by continuing to contact her and her family pertaining to her accountWe have reviewed her account and found the following: [redacted] established an account with us on April 4, 2016, with Milestone Gold MasterCard which is serviced by Genesis Bank Card serviceOn January 3, 2017, [redacted] was offered and accepted a settlement of $that was broken down into payments as follows1/21/for $2/21/for and 3/4/for 120.33The settlement was void since no payments were received as agreed.Our records show the last attempted contact was February 22, 2017, in which a letter was sent informing [redacted] of the pending charge off.On March 28, 2017, her account was CO and sold to a third party collection agencyOn October 27, 2017, [redacted] filed BK chapter which was discharged on February 5, 2018, in which her account with Genesis was includedDue to the fact the account was sold off ten months prior to the BK filing date, the servicing of this account was no longer maintained by Genesis Bank Card Services.As participants in the Credit Reporting system, we must accurately report all activity that took place on an account being serviced by us to all three major credit bureausThe information is an accurate reflection of the payment performance maintained on [redacted] account while we owned the debtTo maintain the integrity of the Credit Reporting system, we do not alter accurate, historical information.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

Dear Revdex.com:This letter is in response to your inquiry dated December 16, 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 required monthly minimum payment for the consumer’s account is compiled of a minimum payment for each Purchase transaction; there were three 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-courtesy She will see this credit on her next statementIf 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 1-866-453- Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.Sincerely,Bankcard Services

Bankcard Services September 16, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated September 14, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr [redacted] 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 November 10, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated November 3, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms [redacted] bringing her concern to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we reviewed the account to determine additional actions that may have needed to be taken and found all assessed fees have been the result of late paymentsThe DEBIT LATE Fee referenced in the original submission was a correction to a double credit of fees accidentally applied to the consumer’s account; the intent was for a single fee credit in return for paymentAs a courtesy, all statements as well as a recap of debits and credits applied to the consumers account have been sent per her requestWe 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

July 27, 2015 RevDex.com P.O. Box 1000 Dupont, WA 98327 RE: [redacted] Case # [redacted] Dear... RevDex.com: This letter is in response to your inquiry dated July 20, 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 have closed his account as requested and communicated that information to the credit bureaus. As a result, we believe that this issue has been resolved. 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: all I wanting is to have the account deleted that shows a zero balance due, yes all the information is correct and everything reported is correct, I just want the zero balance account deleted if possible, if not then I totally understand Sincerely, [redacted] ***

Dear Revdex.com:This letter is in response to your inquiry dated December 27, 2016, 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 done the following: closed the account, removed reporting from the consumers credit reporting and requested a letter of confirmation for all actions takenWe 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 February 3, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated February 3, 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 contacted the consumer’s Authorized to Speak With – [redacted] ***We have shared the account requirements of monthly payments and the inability to pay ahead and provided education around online optionsAs a courtesy, the Late Payment Fee has been creditedWe 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 17, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated March 12, 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 stepsThis account has been deleted from the consumers credit bureau reporting, and a letter confirming these actions sent to him at the address providedWe 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