Mid America Bank & Trust Co

Confusion on due dates and bank not processing payments on time, in conjunction with not properly notifying properly under the FCRA before posting derogatory info to my credit report

Total Card, Inc [redacted] [redacted] October 14, Revdex.com N Broadway Suite StLouis, MO Re: Revdex.com Case # [redacted] Dear Sirs: We are in receipt of your letter dated October 10, regarding the above referenced individualOur response was sent directly to [redacted] October 14, with a disclosure consent formUpon receipt of the disclosure consent form from Mr [redacted] we will forward a copy of the response to your office Please don’t hesitate to contact us at the number listed above if you have additional questions or concerns Sincerely, [redacted] Presidential Correspondence

Dear Sir or Madam: We are in receipt of your letter dated April 22, regarding the concerns of [redacted] We apologize for our delayed response as we were reaching out to the consumer to discuss their concernsThe consumer has been advised of what documentation we need to resolve this situation and we will continue working directly with this consumer once we receive the additional information we have requested from themDue to the sensitive nature of the details associated with banking products, we are unable to disclose the information associated with this consumer’s account Please don’t hesitate to contact us if you have additional questions or concerns Sincerely, Customer Relations Mid America Bank & Trust Company

Complaint: [redacted] I am rejecting this response because:I am not consenting to receive any information about this debt, as I have retained legal counsel from "Clark and Washington, Bankruptcy Attorneys" in Chattanooga,Tennessee, address: [redacted] Again, I have filed for Chapter relief of this debt, and this complaint is in reference to your numerous attempts to collect on this account with Total Visa Cards.The only response I can accept, is that your office will discontinue all collection attempts, and report this account as "closed/Chapter 7" to all major credit bureaus.Sincerely, [redacted]

Initial Business Response /* (1000, 7, 2015/11/20) */
Dear Sirs:
We are in receipt of your letter dated November 18, regarding the above referenced individualUnfortunately, we are unable to locate the customer in our database based on the information they were able to provideWe are
happy to assist further if the customer could present an image of their credit report or other identifying informationThe additional information will allow us to better locate the consumer's account and address the concerns stated in their communication to the Revdex.comPlease don't hesitate to contact us if you have additional questions or concerns
Sincerely,
Customer Relations
Mid America Bank & Trust Company
Initial Consumer Rebuttal /* (3000, 9, 2015/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Please contact me by phone so I can provide my personal information for you to be able to find my account
*** ***
XXXXXXXXXX
Final Business Response /* (4000, 11, 2015/12/03) */
We are in receipt of your Revdex.com complaint dated November 19, We are unable to locate and account based on the information providedWe attempted to contact you at XXX-XXX-XXXX but our attempts were un-successfulPlease provide us more information such as account number or the last four digits of your social security number
Please call our toll free number listed above if we can assist you further
Sincerely,
*** ***
Presidential Correspondence

Complaint: ***
I am rejecting this response because: I am requesting a copy be sent to my current address in WYOMINGAt
*** *** *** *** ***
Sincerely,
*** ***

Dear Sirs:As we indicated in our initial response to this complaint, we sent a response addressing the concerns detailed in the complaint directly to the consumerWe mailed the response on September 29, and it is possible that the customer had not received it in the mail as of the date of they rejected our initial response to the Revdex.comWe also mailed a disclosure authorization form to the customer on September 29, Unfortunately, until we receive the signed authorization from the consumer to disclose the details of the complaint response we are not able to provide any additional details at this pointPlease let us know if you have any questions. Sincerely, Customer RelationsMid America Bank & Trust Company

Complaint: ***
I am rejecting this response because:I have not yet received a sufficient responseWill update after signing disclosure agreements
Sincerely,
*** ***

Re: Revdex.com Case #***, *** * *** Dear Sirs: We are in receipt of your correspondence received November 28, regarding the above referenced individualWe are mailing a response directly to *** * *** on December 4, with a disclosure consent formUpon receipt of the disclosure consent form from *** * ***, we will forward a copy of the response to your office Please don’t hesitate to contact us at the number listed above if you have additional questions or concerns Sincerely, Customer Relations Mid America Bank & Trust Company

Initial Business Response /* (1000, 5, 2015/11/03) */
Dear Sirs:
We are in receipt of your letter dated October 19, regarding the above referenced individualOur response was sent directly to *** D *** on October 28, with a disclosure consent formUpon receipt of the disclosure
consent form from Mr***, we will forward a copy of the response to your office
Please don't hesitate to contact us at the number listed above if you have additional questions or concerns
Sincerely,
*** ***
Presidential Correspondence

Initial Business Response /* (1000, 7, 2015/06/23) */
June 22,
Revdex.com
N Broadway, Ste
Saint Louis, MO XXXXX
Re: Revdex.com Case *** *** ***
Dear Sirs:
We are in receipt of your letter dated June 16, regarding the
above referenced individualOur response was sent directly to *** *** on June 18, with a disclosure consent formUpon receipt of the disclosure consent form from Mr***, we will forward a copy of the response to your office
Please don't hesitate to contact us at the number listed above if you have additional questions or concerns
Sincerely,
*** ***
Presidential Correspondence

Mid America Bank & Trust Company *** *** ** Rolla, MO ***
January 10, Revdex.com NBroadway, Suite StLouis, MO Re: Revdex.com Case #*** ***, *** Dear Sirs: We are in receipt of your letter received January 3, 2017, regarding the above referenced individualOur response was sent directly to *** *** on January 3, 2017, with a disclosure consent formUpon receipt of the disclosure consent form from Mr***, we will forward a copy of the response to your office Please don’t hesitate to contact us at the number listed above if you have additional questions or concerns Sincerely, Customer Relations Mid America Bank & Trust Company

Complaint: ***
I am rejecting this response because: As stated previously, if I did not sign up for this card, nor receive it then how would I accept disclosures for it? I am appalled at the business practices of this businessI would appreciate if this account is cancelled as it was opened up fraudulently as well as removed from my credit reportThis is unacceptableAs seen in other complaints this seems to be an ongoing issue and illegal business practicePlease close this account and remove it from my credit immediatelyI will have to result to legal action if this is not resolved
Sincerely,
Kacy Stroube

Initial Business Response /* (1000, 5, 2015/07/31) */
July 31,
Revdex.com
N Broadway, Ste
Saint Louis, MO XXXXX
Re: Revdex.com Case *** *** ***
Dear Sirs:
We are in receipt of your letter dated July 22, regarding the
above referenced individualOur response was sent directly to *** L *** on July 31, with a disclosure consent formUpon receipt of the disclosure consent form from MsKempton, we will forward a copy of the response to your office
Please don't hesitate to contact us at the number listed above if you have additional questions or concerns
Sincerely,
*** ***
Presidential Correspondence

Mid America Bank & Trust Company *** *** ** Rolla, MO 65402 June 27, Revdex.com NBroadway, Suite StLouis, MO Re: Revdex.com Case #*** Dear Sirs: As we indicated in our initial response to this complaint, we sent a response addressing the concerns detailed in the complaint directly to the consumerWe mailed the response on 6/23/and it is possible that the customer had not received it in the mail as of the date of they rejected our initial response to the Revdex.comWe also mailed a disclosure authorization form to the customer on 6/23/We have also mailed an additional response to the customer regarding their follconcernsUnfortunately, until we receive the signed authorization from the consumer to disclose the details of the complaint response we are not able to provide any additional details at this pointPlease let us know if you have any questions Sincerely, Customer Relations Mid America Bank & Trust Company

Dear Sirs:We are in receipt of your letter received August 16, regarding the above referenced individual. Our response was sent directly to *** * *** on August 19, with a disclosure consent form. Upon receipt of the disclosure consent form from Mr***, we will forward
a copy of the response to your office. Please don't hesitate to contact us at the number listed above if you have any additional questions or concerns. Sincerely, *** ***Presidential Correspondence

Initial Business Response /* (1000, 7, 2015/09/23) */
Dear Sirs:
We are in receipt of your letter dated September 8, regarding the above referenced individualOur response was sent directly to *** *** on September 23, with a disclosure consent formUpon receipt of the
disclosure consent form Mr***, we will forward a copy of the response to your office
Please don't hesitate to contact us if you have additional questions or concerns
Sincerely,
Customer Relations
Mid America Bank & Trust Company

*** *** ***PO Box
91510 Sioux Falls, SD *** April 6, 2017 Revdex.com NBroadway, Suite 2060StLouis, MO 63102 Re: Revdex.com Case #*** ***, *** Dear Sirs: We are in receipt of your letter received April 4, 2017, regarding the above referenced individualOur response was sent directly to *** *** on April 6, 2017, with a disclosure consent formUpon receipt of the disclosure consent form from Mr***, we will forward a copy of the response to your office Please don’t hesitate to contact us at the number listed above if you have additional questions or concerns. Sincerely, Customer RelationsMid America Bank & Trust Company

Initial Business Response /* (1000, 5, 2015/05/18) */
Dear Sirs,
We are in receipt of your letter dated May 7, regarding the above referenced individualOur response was sent directly to *** A*** on May 15, with a disclosure consent formUpon receipt of the disclosure consent
form from Ms***, we will forward a copy of the response to your office
Please don't hesitate to contact us if you have additional questions or concern
Sincerely,
Customer Relations
Mid America Bank & Trust Company

Initial Business Response /* (1000, 5, 2015/07/06) */
Dear Sirs:
We are in receipt of your letter dated June 22, regarding the above referenced individualOur response was sent directly to *** *** on June 6th, with a disclosure consent formUpon receipt of the disclosure consent
form from Mr***, we will forward a copy of the response to your office
Please don't hesitate to contact us if you have additional questions or concerns
Sincerely,
Customer Relations
Mid America Bank & Trust Company