Genesis Credit Management

I opened account with this Company. On August 20th I made a $900.00 payment and a$100.00 payment on August 24th. This was 7 days before my interest was accrued, do you know they held my payments so that I would be charged interest for all of my purchases. I contacted the company but was told it nothing they can do about the interest. I was very upset, I paid off the remaining balance and I will never use this Company again. I can't believe the lack of Moral.

The payment arrangements proposed by this consumer were not within the parameters of what we would accept on such an account, and not what we would consider reasonable.  The consumer was offered two months to voluntarily pay off the debt, which we feel was generous for a past due balance. ...

The collector was not threatening, and was only telling the consumer of the repercussions of not making acceptable arrangements.  Our agency does utilize legal procedures to obtain payment for our customers when reasonable arrangements are not accepted.  It is not illegal to contact an employer in these instances.  Please note that the complainant is not a customer of our agency.  Our customer is the entity to which the alleged debt is owed.

Complaint: [redacted]
I am rejecting this response because:
Alex was extremely rude, threatening, and did not but assume and harass. I also have recordings of these conversations. When asked to be helped by someone else she also refused saying she's the only one that I can speak to. When requesting payment Alex stated that she can take property if payment was not made in full and also stated that payments would be 20% of all combined income which is not realistic at all. I would like to deal with this matter with someone other than Alex and would like to set up reasonable payments.
Sincerely,
[redacted]

According to the original creditor, 100 on 6th and Pacific Living Properties, they have no record of receiving any notice to vacate.  They track and save all emails from residents and do now show they received anything from Mr. [redacted].  With no proof of proper notice to vacate as per the lease agreement, the balance is still due.

Genesis Credit Management has never received any dispute letter from Ms. [redacted] requesting documentation to be mailed and have never communicated by phone requesting documentation to be mailed either.  We did receive a request in February and proof has been sent in the mail as requested....

 The balance due is a very small amount and we are more than happy to discuss the account with Ms. [redacted] if she would like to call our office to discuss in person instead of through complaints.  We cannot remove the account from her credit report without proof from her that the account has already been paid or until it is paid in full to us. As far as Genesis is concerned we have complied with her request in sending documentation to prove the debt owed.

Having reviewed the call, it is obvious that the account representative Alex did not raise her voice at all during this conversation.  Alex contacted the client to obtain the details of an unreported payment and revised the account properly, including adjusting the interest to the correct...

amount.  This information was explained to the consumer in this phone call.  At no time during the call did our representative scream or tell the consumer to contact legal representation.

This is in regards to complaint ID [redacted].  There are two sides to every story and according to our notes and records the foul and hostile language came from [redacted].  The collector working the file tried on numerous occasions to get Ms. [redacted] to not speak to him in such a rude fashion...

for he was just doing his job in trying to help her resolve the debt placed in our office.  Either way, if she truly wants to resolve the debt and set up a payment plan there are other representatives in our office that can help her.

The requested information was sent as requested.  The account manager was attempting to collect on a four-year-old unpaid debt for our customer.  This account has now been paid in full, and this account is now closed.

We are a third-party collection agency acting on behalf of our client.  We requested immediate payment, as the account was already past due.  Upon receiving notice from the client that the amount due had been adjusted we revised the balance owing immediately.  This revised statement...

was forwarded to the consumer in a timely matter.  The collector stayed calm and reasonable throughout the phone call despite continuous shouting by the consumer.  As the consumer has subsequently provided full payment of the revised balance, we feel that this matter has been resolved satisfactorily.

Complaint: [redacted]I am rejecting this response because:  First, Genesis Credit Management has not removed anything from my credit report.  Unfortunately, the Revdex.com website will not allow me to download the supporting documentation, and I will resort to printing and sending via USPS.Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because:
As I said, it was not an email.  I was not given an email address.  I sent the notice through a form on the website, asking how to go about turning in the key on August 14. 
I can also provide the phone records from where I attempted to call them several times.    Either this is the strategy or very poor management, I'm not sure which.  Regardless, I find it hard to believe that the intent of this law is to harm college students who have little income.  
In addition, no one has provided evidence that the apartment was not rented to someone else for the month of September, nor have they explained why this is just now coming up nine months later.
Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because: it is showing up as almost 8000 on my credit karma credit report. Also if they were truly sympathetic to my fleeing the unit due to domestic violence they wouldn't be charging thousands for breaking the lease when they knew the police arrested and convicted the person involved. I am now homeless and can't find housing due to this being on my record. I beg for some fairness. I live on disability income there is no way I can afford thousands in charges for breaking my lease when I had no choice but to leave the unit for my own safety and fear for my life.
Sincerely,[redacted]

Revdex.com,I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,[redacted]
That is incorrect. I did not receive the calls to my cellphone. Like I previously stated when the gentleman called me in June at my job he told me if I didn't make a payment at that moment my agreement wouldn't be valid. I appreciate them acknowledged that I did call them back anyway the following week. However I was never made aware if their operation hours. And I also did not receive a return phone call. The fact that I still attempted to make my payment makes my direct deposit issue irrelevant. The only calls I received from them since June have been at my job. I've had no missed calls or even voicemails from this company on my cell phone. As a US ARMY veteran I'm extremely offended and disappointed by the lack of integrity by this company.

There was a check dated 7/1/15 with payment in full for rent July and August – but this amount does not include utility charges for June, July and August.  Writing final payment (rent) does not clearly represent your notice to vacate at the end of the lease term, 8/31/2015 an agreement that...

automatically reverts to a month to month tenancy in the absence of a written notice to end lease. No response was provided to the original creditors letter dated 7/9/15 regarding the lease ending 8/31/15 and decision to renew lease, revert to month to month lease, or terminate lease with 20 day written notice to vacate prior to the end of the monthly term. The original creditor has credited the account for all rent/utilities charged after 9/30/15.   The security deposit has been applied to balance due on account and they have allowed Mr. [redacted] to keep the Move in Special Concession credit on the  account at move in.  The balance has been revised and verified with the original creditor that it is still owing.

Revdex.com,I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I have a copy of the settlement offer with my name on it stating that the full settlement amount for myself and the other partt was for 947 and that it would close the account. The settlement states nothing about the account being split. I was advised when the account was paid that the the account was paid and closed.Regards,[redacted]

[redacted]DOCUMENT ATTACHED[redacted]Revdex.com [redacted] [email protected]: ID [redacted]Dear [redacted],This...

letter is in response to the complaint filed by [redacted]. We have furnished the correct information to all credit bureaus at this time.  Please note that we are merely furnishers of that data, and we have no control over how long it takes the credit reporting agencies to update their system to make the reported changes.While we had already reported this deletion to all bureaus previously, we reported it a second time in November .We apologize for any inconvenience this delay has caused, and believe the credit bureaus will have this fixed soon.

This account was assigned with a balance of over $3,000 in 2013 and has now grown to over $4,000 with appropriate interest.  It is not in the range of $8,000.  No double listing is apparent from our end.  While we are sympathetic to any domestic violence situations, the consumer...

should follow through with the appropriate protection steps as requested through Washington law, including notifying the landlord in writing within 90 days of the incident.  No written request to stop contact had been received at time of last contact.  This account has been reported as disputed to the credit reporting industries

We agree with this consumer.  We have done everything we can do from out end to has this expunged.  The consumer may wish to dispute this with the credit reporting agency.

This account is listed for $2,644.94.  We have authorization from the original creditor to settle any collection account at 60%.  That means, that 60% of $2,644.94 is $1,586.96.  That $1,586.96 is the lowest amount we could take as a settlement on this account so there is no way we would have settled for only $947.   The notes on the account are very clear that on 12-30-14 we offered [redacted] mother [redacted] to pay $1,608 (60% settlement) to settle the entire account for both people or only pay $947 to just release [redacted].  There is always a way to split payments and we release people all the time when there are multiple parties involved.  The reason the original creditor said Genesis never made them aware of a settlement is because the account is not settled; [redacted] was released for $947 and [redacted] still owes the remainder of the balance.

Complaint: [redacted]I am rejecting this response because:
On many occasions I notified them to quit calling me at work and gave them my home number. I also informed them that I am off Mondays and to call me on that day of the week on my cell. I also have requested an idemised statement of the charges and to verify them. They have never done this. They have verified my address for delivery many times. They are also very rude over the phone and my employer was also informed by them that I owe money and the amount. I have never said this to my employer so the only source is geniuses them selfs on that issue.Sincerely,[redacted]