Genesis Bankcard Services

Bankcard Services July 13, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated July 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 account to determine next stepsThe account was closed as the consumer requested; all fees have been credited as of July 7th and a letter confirming the account’s zero balance has been requestedThe credits were applied to the consumer’s account after the most recent statement was sentA final statement confirming the $balance will be sent to him mid-August, 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

Bankcard Services October 7, Revdex.com P.OBox Dupont, WA RE: Dr [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated September 30, 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 blocked the account, credited the balance and begun the process of deleting the trade line from all credit reporting agenciesBecause credit bureau updates may not occur immediately, a letter of confirmation of this action is also being sent to the consumerWe 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

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, [redacted]

January 16, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated January 8, 2018, regarding a complaint filed with your office by the above referenced consumer, in which she asserted she no longer wanted the card, wanted the account closed, and wished to be credited back the $annual fee she paid We reviewed her account and found that there has been no recent purchase activity Her September billing statement informed her the fee would be assessed in the next billing period She did not request to cancel her account with us at that time, as reflected in her complaint She spoke with one of our representatives on December 24, and agreed at that time to keep the account open and pay the $annual fee if we would waive the late fee that had been assessed We regret that she has since elected not to keep the account with us Per this communication, we waived all fees and closed her accountWe are in the process of returning the annual fee that she paid 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: Sir/ma’am your company JUST called my brother in law on 3/29/concerning this matter and I also received a letter in the mail I don’t want you to alter anything I want you make sure you’re reporting correctly or not report at allYou may need to follow up with the company you sold it to because they said you recently updated the information with them to continue to pursue and threat of a possible judgement Sincerely, [redacted]

March 28, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated March 24, 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 taken action on the applicant’s behalf, requesting the inquiry be deleted from her credit reportAdditionally, we have contacted the consumer directly on this subjectWe believe our actions on this account and discussion 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

April 30, Revdex.com P.OBox Dupont, WA RE: [redacted] E [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated April 25, 2018, regarding an inquiry filed with your office by the above referenced consumerMs [redacted] is concerned that she will not know if she can afford the previous offer within days We wish to clarify we gave her until May 9, 2018, not days; she has days remaining as of today’s dateShe has time to review her finances and let us know what she is able to afford Upon further review of her account and realizing she has other urgent bills to take care of, if Ms [redacted] can pay the total amount due of $as reflected on her last statement, we will waive the remaining balance for her As previously communicated, we will review her account on 5/10/to complete the arrangement if the reduced payment of $is made; the updated amount to be paid has been denoted on her file We hope this is helpful to Ms [redacted] and wish her well 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

April 5, Revdex.comP.OBox 1000Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated March 27, regarding a complaint filed with your office by the above referenced consumer, in which Mr [redacted] asserted our representative refused to close his accountWe reviewed his account and the call recording for the conversation he had with our representative found the followingAn account was opened in his name; the contact information on file matches the information submitted with this complaintOn March 27, 2018, he called one of our contact centers upon receiving the card in the mail and indicated he never applied or requested the card The representative restated what he said to clarify and then did state that she would not close the account because then it would still show on his credit file and report as closed by consumer She further clarified that she would submit the account as an identity theft issue which would delete the account from his credit insteadShe then asked questions in an effort determine if the consumer had an awareness of who may have perpetrated the fraud, which is to our mutual benefit to preventWhile she did repeat the issue he communicated and apologized several times, there was no identifiable language barrier evident in the call; the information enumerated above was clearly stated and the representative did submit a fraud request immediately to have the account deleted as offeredWe confirmed that for him when he called on 3/31/ 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

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 Thank you so much for assisting and understanding in this matter as I try to rebuild Sincerely, [redacted] ***

October 15, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated October 6, 2015, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms [redacted] bringing this issue to our attention and apologize for the mis-communications that has attributed to her frustrationWe have attempted to contact the customer and share our plan to resolve the issue, but have yet to speak with her directly We need to speak with the consumer to address her concernsShe my return our calls at the number provided in our message or if you or the consumer have additional questions or concerns, 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 20, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated November 16, 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 account to determine next stepsThe consumer’s initial payment, applied to the account August 19, 2017, was reversed from the account when returned as Insufficient Funds on August 31, A block, placed on all accounts with a returned payment, would remain on the account until days after replacement funds are applied to the accountA letter advising the customer of the return was requested that day, attempts to contact the customer by phone commenced September 1, The second payment applied to the account September 15, and was reversed from the account September 27, when it was returned to us as Insufficient FundsThe third payment applied to the account October 17, and was reversed from the account October 26, when it was returned to us as Insufficient FundsAttempts to contact the customer by phone continued during this periodThe payment source and all payments were entered into our system by the consumerThis payment source was deleted as well as any scheduled payments drawn on the payment source November 20, The consumer was advised he could resume payments using the deleted payment source with a letter from their financial institution confirming the account informationHe was also advised of the day block preventing purchases 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

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, [redacted]

Bankcard Services December 19, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated December 14, 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 complaint, we have done the following: suppressed the consumer’s phone number from any future dialing, reviewed the account to ensure a $balance and have provided written correspondence confirming the balance and status of the accountThe consumer will be sent a final statement on or around January 7, We 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 21, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: 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 requesting that her account with us be deleted from her credit file because the card was stolen in January We reviewed her account and found the following The account was opened online on 7/6/ The email address was confirmed to belong to Ms [redacted] at that timePurchases were financed on the account between 7/21/and 7/29/No qualifying payments were made on the financed balance The date of first delinquency that immediately preceded the chargeoff of the account is 8/12/ The account closed to additional purchases by January 2016; it charged off in February Because the account and the payment performance was established well before the theft, we cannot delete the tradeline as requested To maintain the integrity of the credit reporting system, we do not delete validated, accurate 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 week Sincerely, Bankcard Services Tell us why here

January 16, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated January 9, regarding a complaint filed with your office by the above referenced consumer, in which she asserted she had never opened the account and had difficulty communicating with one of our call centers We appreciate Ms [redacted] bringing this concern to our attention We reviewed her account and found the followingOn December 15, 2017, an account was opened in her name; the contact information on file matches the information submitted with this complaintOn December 29, 2017, she called one of our contact centers upon receiving the card in the mail The representative asked questions in an effort determine if the consumer has an awareness of who may have perpetrated the fraud, which is to our mutual benefit to preventWhile there was a bit of a communication barrier evident in the call, the representative did submit a fraud request immediately to have the account closed as requestedThe account cycled on January 3, 2018, before the fraud team had an opportunity to review the request We regret any confusion the timing of that billing causedThe account has been coded and closed as a fraud account, which prevents the account from showing on her 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

Bankcard Services December 15, 2016 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 December 9, 2016, regarding a complaint filed with your office by the above referenced consumer. We appreciate Ms. [redacted] bringing this concern to our attention. After reviewing the information and requested resolution contained in the consumer’s complaint, we have reviewed the customer’s account and interactions. We are taking the following steps to resolve the customer’s account: 1) the trade line will be deleted from all credit reporting agencies, 2) all fees and finance charges on the account will be credited leaving only the principle balance for the customer to pay, 3) the collection agency that had notified the customer of the account will accept final payment of that principal balance with no reporting of the account to the credit bureaus, and 4) a letter of confirmation of the recall and trade line deletion will be sent to the customer. We will continue to monitor the account to ensure all actions are completed and will remain in contact with the customer throughout the process. 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 1-866-453-2636. Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week. Sincerely, Bankcard Services

Bankcard Services November 14, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated November 8, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr [redacted] bringing his concern to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we have credited his full Annual Membership Fee and the Over Limit Fee, the account has also been closed per his requestCredits will be visible November 18th, and a letter confirming the closure has been sentWe 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 9, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated March 29, regarding a complaint filed with your office by the above referenced consumerThe complaint stated a payment was made in advance on the account which was not applied to the corresponding monthUpon review of the account, the payment in question was received February 23, which is the last day of her billing period Though received one day after due date, the payment was applied entirely to the current billing cycle As of the writing of this letter we have received a payment of the total amount due, thereby removing any past due amountIn addition, since the billing cycle has not gone a full days without payment, there has been no derogatory reports to the credit bureauAs a result of the account going past due by one day, there was a [redacted] late fee assessed to the accountAs a courtesy that fee has been removed This credit will be reflected in her next billing statement We apologize for any inconvenience this may have caused [redacted] We hope this resolves this matter, but if you or the consumer has additional questions or concerns please contact us at 1-800-453-Our Customer Service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services Tell us why here

Bankcard Services September 28, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated September 19, 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 account to determine next stepsWe know the consumer and all customers who have been in the wake of the multiple storms hitting our coasts have had to and will continue to face challenging timesWhile we’re not able to comply with all changes the consumer has requested, we are able to decrease their APR and minimum monthly payment for a period of timeThe account had and continues to require a Monthly Minimum Payments and any missed payments must be caught up by the consumer; the total amount due has been adjusted to the new minimum payment amount in hopes it will make it easier for them to bring their account currentA late fee, assessed due to the August 10, missed payment, has been credited as a courtesyOur program does not offer an option for payment deferment or changes to credit reporting due to delinquencyWe 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

Bankcard Services August 8, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated August 6, 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 contacted the customer directly to gain a clearer understanding of her concernThe account in question was her Milestone account, issuing bank of Mid-America Bank & Trust Company; Milestone was not included in the trade line which caused minor confusionWe confirmed that account has been closed for some time and always paid as agreedWe 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