Twin City Tire & Auto Service

? Complaint: [redacted] I am rejecting this response because: I am writing to you in regards to complaint # [redacted] I am sorry that I was not able to respond to the rebuttal from the 14th of SeptemberMy computer wouldn't let me do it for some reasonSo I am emailing you backIn the conversations with Sarah from Genesis credit she let me know that Genesis would not be excepting credit cards since my complaint letter to you [redacted] will not let me return the bedI am at a loss to repay the company unless they run the credit card as a purchaseMy credit card company is fine with thisThis is also the agreement I had initially with Genesis or was lead to believeAs mentioned before the bed is for my daughter who is disabled and relies on SSI monthlyHer monies are not enough for her to pay the That is why I checked three times to make sure that they would except a credit cardCash advance was never mentioned to me during the exchangeI am in a bad position here because I feel that my credit history will be ruinedI would certainly take the bed back if they would let me but, they won'tPlease let me know what can be done hereThank you [redacted] Sincerely, [redacted]

? April 13, ? ? Revdex.com P.OBox [redacted] ? ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Case # [redacted] ? ? Dear Revdex.com: ? This letter is in response to your inquiry dated April 4, 2018, regarding a complaint filed with your office by the above referenced consumer, in which he asserted he never established or wanted the account with Sylvan Learning Center but it was processed in error anyway.? He expressed frustration with the length of time it may take to research and resolve a fraud claim and wanted the account removed from his credit fileWe reviewed his account and found the following? We first spoke with [redacted] on 4/1/18; we closed the account immediately upon request and explained it would show as closed by consumer during the investigation.? It was statused at that time as a potential fraud.On 4/we sent [redacted] the fraud affidavit and began an internal review.On 4/6/the entire balance was rebated.On 4/10/a representative from Sylvan contacted us and confirmed the application was submitted in error as asserted.We deleted the tradeline from his credit file as well as the inquiry.? Please allow up to days for these changes to be reflected on his credit file.? We regret that he has experienced a drop in his overall credit score; there are multiple factors that contribute to score fluctuations and cannot guarantee that these changes will improve his score as requested.? 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

? Complaint: [redacted] I am rejecting this response because: It is not resolvedGenesis Credit admits the mis-communication regarding acceptance of my credit cards for paymentsIn conversation with Sarah she stated that now the company will not be taking credit cards at all due to my letter [redacted] will not take the bed backThere is no option now for payments that I was assured would be acceptable.Sincerely, [redacted]

? ? May 31, ? ? Revdex.com P.OBox Dupont, WA ? RE: ? ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Case # [redacted] ? ? Dear Revdex.com: ? This letter is in response to your inquiry dated May 22, regarding a complaint filed with your office by the above referenced consumerMr [redacted] asserts he was misinformed by a representative that his account was current when actually in past due statusHe also asserts that because of this error, it has negatively impacted his creditWe reviewed his account and found the following Our records support Mr [redacted] assertions.? We apologize that he was misinformed when he contacted us to pay on his account in April.In light of the misinformation, we removed the past due owed for that time frame and the further delinquency that it caused from his credit file.The payment Mr [redacted] posted on May 7, was returned to us for insufficient funds on May 16, 2018.? In order to get caught up and current with us, he will need to pay $on or before June 6, We also wish to apologize that in previous communications with members of management, Mr [redacted] was not given the level of service expected by our representatives.? We have communicated the details of this complaint to the management team of the representatives involved to prevent reoccurrenceWe 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,? Genesis FS Card Services Tell us why here

August 28, ? ? ? Revdex.com P.OBox Dupont, WA ? RE: ? ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Case # [redacted] ? ? Dear Revdex.com: ? This letter is in response to your inquiry dated August 21, 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-communicationWe have contacted the customer directly to discuss options for resolving the issue? ? ? ? ? Our hope is to resolve the matter quickly, but in the meantime, 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 ? ? ? August 17, ? ? Revdex.com P.OBox Dupont, WA ? RE: ? ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Case # [redacted] ? ? Dear Revdex.com: ? This letter is in response to your inquiry dated August 10, 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 Late Payment Fee assessed to the account August 7, in the amount of $has been credited and will appear on his next statement in mid-SeptemberWe 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

Complaint: [redacted] I am rejecting this response because:It's unfortunate that my account is no longer being serviced by [redacted] - clearly the data you received in your acquisition of my account was incorrect or incompleteIt's also unfortunate that such a significant change as outsourcing the debt to a new entity is sufficient enough to warrant only a letter in your eyesI never received or read the communication and this came as a complete surprise to me which strikes me as poor Customer ServiceI'm incredibly displeased with your response and will never finance anything through [redacted] again so long as they are financing their purchases through Bankcard ServicesI will continue to dispute the way you are choosing to report my account on the credit bureausIt's nice that if I pay the full amount owed it shows as "Current" now - my concern is that the historical data you will choose to report is not an accurate representation of me to future credit grantersI want that phone call pulled with that representative at [redacted] JewelersMy next stop is an AG complaint because I know what I was told and what my account looked like at that point in time Sincerely, [redacted] ***

? ? May 9, ? ? Revdex.com P.OBox Dupont, WA ? RE: ? ? ? ? ? ? ? ? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Case # [redacted] ? Dear RevDex.com: ? This letter is in response to your inquiry dated April 30, 2018, regarding a complaint filed with your office by the above referenced consumerMr [redacted] asserts that he wasn’t notified in advance that his [redacted] Jewelers credit card would be being serviced by Genesis FS Card Services (Genesis), and is asking that we alter his credit bureau reporting; he further asserts that [redacted] had a different approach to reporting delinquenciesWe reviewed his account and calls with our representatives and found the following? ? Mr [redacted] opened his account with [redacted] Jewelers on March 19, 2017.? On October 22, 2017, Genesis became the new service provider for Mr***’s [redacted] Jewelers credit accountIn September 2017, Mr [redacted] was sent a notice of change which explained changes to his account terms, including changes to his minimum monthly payment dueAdditionally, a notice of the upcoming transition was included in Mr***’s September billing statement.According to our records, no minimum monthly payment due of Mr***’s was ever far enough delinquent (greater than days) prior to the transition that the delinquency would have been reported to the credit bureausWe would like to clarify that this was not a special forgiveness program offered by [redacted] ***, but rather a uniform reporting practice by all data furnishers.Mr [redacted] missed his January payment and owed a double payment in February in order to bring his account to a current statusWhile he paid his minimum monthly payment in February and March, he did not pay for the missed payment, so he was continually one payment past due; each month he remained between 1-days past due for the amount missed.His 4/23/payment was missed, and because he was already carrying one payment passed due, the delinquency met the criteria to be reported as 31-days delinquent on his credit fileThis is the first time his account has ever been far enough delinquent to be reported as such on his credit file.? On 4/27/18, Mr [redacted] contacted us and asked that we remove the delinquency in exchange for paymentThe representative clarified that we are unable to honor that request and explained that we must report accurately as denoted above? We are sorry about the short-term setbacks Mr [redacted] has experienced but are happy to learn that he will be able to manage his account as agreed going forward as acknowledged in his complaintMr***’s next payment of $is due on or before 5/23/18; this amount will bring the account current and includes the two missed payments as well as the current month owedWe report all payment performance the day after each account cycles, so his credit file will update to reflect that.? 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

February 19, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear RevDex.com: This letter is in response to your inquiry dated February 11, 2018, regarding a complaint filed with your office by the above referenced consumer, in which she asserted she never used the card and wanted the account to be closed We reviewed the account and found that there has been no purchase activity. The account has already been closed, the balance cleared and the reporting deleted from 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 Tell us why here

Revdex.comP.OBox 1000Dupont, WA 98327RE: ? ? ? ? ? ? ? ***? [redacted] ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Case # [redacted] Dear Revdex.com:This letter is in response to your inquiry dated November 24, 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 account to determine next stepsIt was the policy of the previous financer to allow their customers to occasionally purchase beyond their assigned limit; this consumer’s assigned limit was/is $For that reason, the limit for his account was increased by Genesis Financial Solutions, Incto accommodate the current balance as of November 15, 2017.? The new credit limit for this account is $We also understand the impact a balance exceeding the credit limit can have on an individual’s credit limitA request to update the high balance not to exceed the current limit has been submitted and should be completed early next weekA letter confirming that action will be sent to the consumer once completedWe appreciate his patience while we work to resolve any negative impact he may have experienced during the transition of his account from Signet to usWe 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 [redacted] ? Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week.Sincerely,Bankcard Services

April 6, Revdex.com P.OBox Dupont, WA RE: [redacted] Case # [redacted] Dear Revdex.com: This letter is in response to your inquiry dated April 5, 2018, 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 steps Mr [redacted] has requested the account be closed; upon review of his account, the account was closed by grantor on 12/22/Since Mr***’s account was closed prior to him paying the settlement, the account remains closed In addition, Mr [redacted] has expressed frustration with how we report our settlements to the credit bureauOnce the settlement payment posts to the account, the account is then charged off as a settlement paid less than the balance in full and reported as such 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 I apologize I was unable to respond to the message before it was closedI wanted to make the Revdex.com aware that the company resolved the issue and I am satisfiedThank you, [redacted] **

May 15, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear Revdex.com: This letter is in response to your inquiry dated May 11, 2018, regarding a complaint filed with your office by the above referenced consumer in which Mr*** expresses dissatisfaction with our prior response and questions the accuracy of the data received. Mr*** acknowledged in his complaint that he was past due but indicated he was told that *** did not report delinquencies until accounts were days past due. *** has no record of a communication in which that topic was discussed; in addition as data furnishers we and they are obligated by the same reporting requirements.The reporting is an accurate representation of his payment history; we do not alter payment history unless there is an error identified. This scenario does not meet the criteria to alter the payment history.A separate notice of change communication in addition to a statement message, which can be viewed online, indicating the change in practices is an acceptable industry standard.Our response to any regulator or attorney general will not be different as the requirements, obligations, and facts presented do not warrant that. We regret Mr***’s frustration and believe we have adequately addressed his concerns. We will take no further action at this time. 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, Genesis FS Card Services Tell us why here

March 16, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear
Revdex.com: This letter is in response to your inquiry dated March 7, 2018, regarding a complaint filed with your office by the above referenced consumerMr*** is upset a late fee was charged even though a partial payment was paid in the previous billing cycle. He is also upset that his payment is significantly higher than usual and due to that would like the late fee waivedWe reviewed the account and found the following He paid his regularly scheduled payment of $on 1/3/and on 1/8/a second payment of $was received.On 1/18/the $payment was returned to us due to insufficient funds (NSF). In addition, purchases totaling $were made in the same billing period, causing the account to go significantly over the credit limit.We do require minimum payments be maintained each month in addition to any dollar amount in excess of an established credit limit. This is in accordance with his credit agreement and is communicated on his billing statements.Late fees are assessed when the minimum required payment is not paid. While Mr*** made a significant payment, it was not sufficient to pay what was owed given the information aboveWe have waived this fee as a one-time courtesy; the scheduled payment in addition to the amount in excess of his credit limit will need to be paid to prevent additional late fees on or before 4/5/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: ***
I am rejecting this response because:The point was already made that no payment was initiated by the agent whom I spoke withThat was the whole basis of my argumentAn obvious mistake was made by an agentThe payment information was given and authorized but not correctly executedI have shown proof of a phone call I received from an agentI also have a witness to the call and conversationIm at a loss of words as to the level of difficulty this has become to rectifyWith what I have furnished it’s obvious that something anamolous occurredWith that alone, setting aside common courtesy, this should be addressed accordinglyI have set aside adopting legal counsel, contacting Signet or anything else regarding this matter in the hope that it could be rectified through this serviceThis has significantly damaged my credit and I want this corrected
Sincerely,
*** ***

Bankcard Services March 3, Revdex.com P.OBox Dupont, WA RE: *** *** Case #***
Dear Revdex.com: This letter is in response to your inquiry dated March 2, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Mr*** 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 contacted the customer directly to ensure the account is accurately reflected and his address is correctWe 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

October 6,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case #***
Dear Revdex.com:
This letter is in response to your original inquiry dated August 21, 2015, regarding a complaint filed with your office by the above referenced consumer
We have contacted the consumer and proposed a solution that we feel resolves this issue
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*** 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: *** *** Case # *** Dear Revdex.com: This letter is in response to your inquiry dated April 27, 2018, regarding a complaint filed with your office by the above referenced consumer, in which Mr*** expressed continued dissatisfaction with our prior response and wants copies of the recorded conversations. Our call recordings are confidential and proprietary and are not disseminated outside of the businessWhile we regret the facts of the communications caused distress, we did not relay misinformation and as previously communicated have no business interest in doing so. We believe we have adequately and thoroughly addressed his concerns with respect to the details of the call recordings; they will only be released by court order and we are confident they will support our previously stated position Our business interest with Mr*** will need to be resolved and we will work with Mr*** to ensure his business interests are met. As previously communicated Mr*** will need to resolve his return of the merchandise with the store personnel as he agreed to do. 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

May 31, Revdex.com P.OBox Dupont, WA RE: *** *** Case #*** Dear
Revdex.com: This letter is in response to your inquiry dated May 22, regarding a complaint filed with your office by the above referenced consumerMr*** asserts he was misinformed by a representative that his account was current when actually in past due statusHe also asserts that because of this error, it has negatively impacted his creditWe reviewed his account and found the following Our records support Mr*** assertions. We apologize that he was misinformed when he contacted us to pay on his account in April.In light of the misinformation, we removed the past due owed for that time frame and the further delinquency that it caused from his credit file.The payment Mr*** posted on May 7, was returned to us for insufficient funds on May 16, 2018. In order to get caught up and current with us, he will need to pay $on or before June 6, We also wish to apologize that in previous communications with members of management, Mr*** was not given the level of service expected by our representatives. We have communicated the details of this complaint to the management team of the representatives involved to prevent reoccurrenceWe 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, Genesis FS Card Services Tell us why here

April 24, Revdex.com P.OBox Dupont, WA RE: *** *** Case # Dear RevDex.com: This letter is in response to your inquiry dated April 18, 2018, regarding a complaint filed with your office by the above referenced consumer, in which she asserted she never activated the account and because the website crashed during the application process, was unaware an account had been established until she received the cardShe requested written confirmation of a zero balance on her account and an adjustment to any negative credit bureau reporting associated with itWe reviewed her account and found the followingAll fees associated with this account were waived on April 5, 2018.The statement mailed to *** *** on April 20, should reflect the zero balance as requested and the current account status will be reported to her credit file. It is important to note that the account never progressed far enough delinquent to be reported negatively on her credit file.All telephone and written correspondence discontinued as of April 4, 2018.We apologize that our policy to waive all fees with newly opened, never utilized accounts was not followed. A detailed communication of this issue has been communicated to the management team of the personnel involved. We regret any frustration this caused *** ***. We hope this resolves this matter, but if you or the consumer have 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