Genesis Bankcard Services

January 26, RevDex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated January 23, regarding a complaint filed with your office by the above referenced consumer, in which he disagreed with our prior responsesWe believe we have adequately supported the accuracy of our account history as well as the current owner of the debt Following is additional detail provided to help clarify this belief Mr [redacted] is disputing the accuracy of our credit reporting The account history that we sent to him previously reflects the following account activity The last payment was received on 2/6/for $ Additional purchases were made between 2/and 2/25/totaling $334.28.Statements were issued and additional finance fees and applicable late fees were applied in accordance with his credit agreement No payments were received on the new balance and the debt eventually charged off.As previously communicated, the account was sold to Galaxy International Purchasing LLC after it charged off; their contact information is included again for his referenceMr [redacted] contacted Galaxy and asked that they delete his payment performance detail that we are reporting, during the time we owned the account Galaxy management accurately informed Mr [redacted] that they cannot alter the information because they are not the ones reporting that detail.The information is an accurate reflection of the payment performance maintained on his account while we owned the debtTo maintain the integrity of the Credit Reporting system, we do not alter accurate, historical information If Mr [redacted] has documentation that supports he paid the additional charges applied in February 2014, he may submit them to our attention for further review Galaxy International Purchasing LLC Phone Number: [redacted] Mailing Address: south Fort Apache Road Suite Las Vegas, NV 89147- 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

July 21, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated July 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 partial 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

Bankcard Services June 2, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated May 24, 2016, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr [redacted] bringing this issue to our attentionWe have reviewed the information and requested resolution contained in the consumer’s complaintThe balance, status and history of the customer’s account has been accurately reported to the credit reporting agencies Documentation supplied by the customer intended to provide a record of a missing payment made to our company reflects a payment made to a company with which we have no affiliation We have attempted to contact the consumer directly in hopes of resolving this matter but have been unsuccessful in reaching them If you or the consumer has additional questions, 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

February 13, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated February 5, 2018, regarding a complaint filed with your office by the above referenced consumerWe appreciate [redacted] bringing this concern to our attentionWe reviewed her account and found that she is correct, her account was closed due to three consecutive billing periods without activity A letter was issued which explained what transpired and why on the same day the account was closed As requested a copy of the terms and conditions of the account was sent to [redacted] on February 4, She should have received that by nowAs with any credit account, any new purchase would be subject to credit approval and that process would not be altered by the existence of an open, unused account or applying for a new one Closing an inactive account is a security precaution that is mutually benficial 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 April 21, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated April 17, 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 closed the account, credited all fees and removed all delinquent historyWe 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 June 8, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to the rejection to a response from your inquiry presented to us June 2, 2017, regarding a complaint filed with your office by the above referenced consumer While the initial complaint referenced ‘credit owed to her’ and a credit from [redacted] , subsequent conversations indicate the consumer’s concern was with a temporary hold placed on the account preventing her from using the cardMs [redacted] had been advised her ability to use the account would be restored days after her last, and most recent, payment applied to the accountHer most recent payment applied to the account June 5th; the temporary hold will be removed and the account open for use any time after June 19, 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

Bankcard Services September 16, Revdex.com [redacted] RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated September 11, 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 closed the account, credited all fees and submitted a request to delete this trade line from credit bureau reportingA letter of confirmation of these actions will be sent to the customerWe 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 [redacted] Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week Sincerely, Bankcard Services

Revdex.comP.OBox 1000Dupont, WA 98327RE: [redacted] Case # [redacted] 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 closed the consumer’s account per his request and initiated a request to have his credit bureau reporting correctedLetters confirming our actions are being sent to the consumer directlyIn addition, feedback has been provided to deter future such errorsWe have contacted the consumer directly to advise of the steps we’ve taken 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 1-866-453- Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.Sincerely,Bankcard Services

April 18, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated April 12, 2016, regarding the rejection to a complaint filed with your office by the above referenced consumer The customer is correct in that we have made no changes to her account; in our direct contact with the consumer we discussed the reasons changes would not be made as well as provided suggestions that may help to resolve some of her requestsWhile we do not offer a credit line increase program, there may be opportunities with other lenders for a higher line of creditHer other point was in reference to credit bureau reporting, which is accurately reflected for Ms [redacted] ’s account At this time, we consider the matter closed, but if you or the consumer would like to discuss this further, 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 31, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated January 23, 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 her account terms and payment allocationThe minimum monthly payment requirements, payment allocation and promotional period are based on the terms of her account and are correctWe would gladly review any documentation the consumer may have supporting her claim of an extended promotional periodAlso, payments less than the minimum requested on the statement, late payments or missed payments can increase the minimum monthly payment amount and/or cause a delay in the expected pay off date due to Late Payment Fee assessmentWe 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

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 he expressed dissatisfaction with his recent experience with us and our business partner, Jared We reviewed his account and found the following; You financed a diamond engagement ring on September 29, 2017; the purchase was rung on a regular interest bearing finance plan and the $down payment was processed as a regular payment Jared, the Galleria of Jewelry does have a 30-day return policy; by the time the billing issue surfaced, that time frame had passed The store called on his behalf on November 4, to inquire about the no-interest plan We informed the store at that time to return the regular payment and process it as a down payment and select the correct financing plan On January 5, he spoke with a team member at Genesis; at that time the finance fees were credited to his account and the interest rate was changed to 0% interest for one year, per corrections made at the store level and that discussion We apologize for the frustration the delay in processing this request had for him and his fiancée We appreciate the opportunity to correct the situation 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

December 8, Revdex.comP.OBox 1000Dupont, WA RE: [redacted] *** Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated December 7, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr [redacted] bringing this concern to our attentionWhile we do see that the consumer submitted a prequalification form for a Milestone Gold card on November 25, 2017, there was no preapproval submitted; there would be no impact to the consumer’s credit report by usIf the consumer is able to provide documentation that indicates an account or inquiry from us appears on his bureau, we can reopen the investigation and make any necessary correctionsWe 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

Revdex.com:I have to apologize my wife told me the milestone card had issuesCome to find out it was a different card that had the issues listed in this complaintI sincerely apologize to card servicesThis is actually the card we likeSo again I apologize for the inconvenience.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] ***

February 5, 2018 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 January 30, 2018 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 in getting it removed from her credit file. We appreciate [redacted] bringing this concern to our attention and realize how difficult it is to get this type of issue resolved. We reviewed her account and found the following. She did promptly communicate the issue with identity theft she encountered in November. We requested and she submitted the appropriate paperwork to our attention. Upon receipt of the paperwork, we denoted the account as “in dispute, active investigation pending,” as required. We recently received the corresponding paperwork from the merchant and determined that the information collected from the merchant does not match [redacted] ***’s. We have recorded the account as a fraud account which will prevent it from reporting on [redacted] ***’s credit file. A letter was sent to [redacted] at the end of January informing her of that decision. If she has not yet received it, we would be happy to reissue it. To maintain the integrity of the investigative process, we regret that we cannot share more specific information about the data that has been collected by our Fraud department with [redacted] ***, however they will cooperate with any local law enforcement as needed. 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 RevDex.com Tell us why here...

July 29, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated July 21, 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 settle her account and provide a letter of confirmation for the agreed upon amount on the agreed upon datesWe have contacted the customer directly to discuss the plan for resolution 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

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 20, 2015, 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 attempted to contact the customer directly to discuss options for resolutionAt this time we have not been able to have the conversation necessary for closure, however have provided him with copies of his statementsWe remain optimistic that once we do connect with Mr***, we will be able to resolve the issueIf he would like to contact our Customer Service Manager direct, she may be reached at [redacted] In the meantime, if you have 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

February 23, 2018 RevDex.com P.O. Box 1000 Dupont, WA 98327 RE: [redacted] Case # [redacted] Dear Better... Business Bureau: This letter is in response to your inquiry dated February 17, 2018, regarding a complaint filed with your office by the above referenced consumer. She is upset that her account was closed to future purchases after one year of good pay history. We reviewed Ms. [redacted] ’s account and found the following. She opened her account with us on 2/2/17, as she asserted. Ms. [redacted] paid as agreed every month until October 2017. Beginning in October and in three out of the last four billing periods since, payments have been returned to us due to insufficient funds, including the most recent billing period for which a statement was sent. Her statements have reflected that payments were returned and why.The payment performance is an accurate reflection of what has transpired on her account recently. If Ms. [redacted] is having difficulty with her bank or has documentation that refutes our findings, we would be happy to review and resolve any issues she is experiencing.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 Tell us why here...

Complaint: [redacted] I am rejecting this response because: This business illegally solicited an invitation in the pretense of "pre-qualified" and therefore coerced me into providing my credit information, then rejected the offer, which led to negative action lowering my credit scoreIn their refusal to remove the inquiry, this has led to the illegality of this business's practices I am wanting this inquiry removed from my credit report, and have this company charged with falsifying information 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 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. Thank you for all your help ... It was my misunderstanding . [redacted] Sincerely, [redacted]