Twin City Tire & Auto Service

August 28,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case
#***
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*** 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 *** Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week
Sincerely,
Bankcard Services

Complaint: ***
I am rejecting this response because: I was assured from the business that an auto pay was instated and that automatic payments would start coming out of my accountI provided the correct address and phone numberMy phone number has not changed in yearsNo attempts to contact me have been made and only until my credit was affected was I alarmedThe employee I spoke with was an extremely rude young lady who made me feel inadequateMy finance plan has nothing to do with the way my account was being handled from the beginningSounds like genesis and Ashley furniture need to get their act together and communicate better to avoid situations like thisEsoicskkg when I was assured that automatic payments would happen and they clearly weren’t l.
Sincerely,
Edward D***

September 29,
Revdex.com
P.OBox
Dupont, WA
RE: *** ***
Case #***
Dear
Revdex.com:
This letter is in response to your inquiry dated September 26, 2015, regarding a complaint filed with your office by the above referenced consumer
We appreciate Ms*** bringing this issue to our attention and apologize for the mis-communications that have attributed to her frustrationWe have contacted the customer directly to share our plans on resolving the issue
We believe we have addressed Ms*** concerns, however, if you or the consumer has additional questions or concerns, please contact us at *** Our customer service hours are from 6am to 6pm, Pacific Time, seven days a week
Sincerely,
Bankcard Services

From: *** * *** Sent: Monday, April 23, 2:PM To: Complaints Subject: Re: You have a new message from the Revdex.com Hello I was communicating today in reference to ***I received there response to which I responded and request that they issue the recorded conversation so we can all know who is in the wrong as they claim I had requested my "girlfriends" address take place of address which I have not lived at for many many years and furthermore they are stating in there privuous response "my girlfriend" "my girlfriend" when I been married for several years now so there is no way I referred to my wife as my "girlfriend" as I indecated before they are clearly not telling the truth and the fact that my wife seen her referred to as my "Girlfriend" raised alot of questions as well Thank you again for trying to assist us in this matter

Bankcard Services June 9, Revdex.com P.OBox Dupont, WA RE: *** *& *** *** Case
#*** Dear Revdex.com: This letter is in response to your inquiry dated June 2, 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms*** bringing this concern to our attentionAfter reviewing the information and requested resolution contained in the consumer’s complaint, we have reviewed each interaction with the customer and his okay to speak with to determine next stepsReminding the consumer of payment allocation information at the time of the last conversation would’ve provided insight into why the purchase balance was not paid off when the payment postedWe have opted to credit the balance of the account; a letter confirming the balance and status of the account is being sent to the customerWe believe our actions have addressed their 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

RE: *** *** Case
#***Dear Revdex.com:This letter
is in response to your inquiry dated December 1, 2017, regarding a complaint
filed with
your office by the above referenced consumerWe appreciate
Mr*** bringing this concern to our attentionA letter advising Mr
*** of the change was sent; we are sorry to hear that it was not received. We are also sorry about the problem in taking
his payment. As a courtesy, Purchase
Finance Charges in the amount of $were credited to the consumers
account. The current balance is now a
credit for $and a refund request has been submitted. In addition, we have removed the November
delinquency from his account. 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,Genesis Card Services

Revdex.com P.OBox Dupont, WA RE: *** *** Case #*** Dear Revdex.com: This letter is in response
to your inquiry dated December 29th 2017, regarding a complaint filed with your office by the above referenced consumer We appreciate Ms*** 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 have verified the purchased items have not yet been delivered to the consumerThe account has been updated to reflect a first payment due date of January 25th, The consumer is not expected to pay for items that have not yet been deliveredThe late fee that billed to the account in December has been credited and will be reflected on the February statement; the January statement was mailed prior to these updates so will not show these changesThere has been no past due credit reportingA letter showing these updates was mailed to the consumer and should be received in the next weekWe 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

June 14, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear Revdex.com:
This letter is in response to your inquiry dated June 4, 2018, regarding a complaint filed with your office by the above referenced consumerMr*** asserted a payment of $was processed on March 30, by a phone agent but is not reflected in the account payment historyHe requested the past due status be removed from his credit fileWe reviewed his account and listened to calls and found the following Mr*** opened this account on November 27, Payments are due by the 23rd of each month and it cycles, meaning the billing period ends, on the 24th of the month He paid his last financed balance off with *** *** on July 14, Genesis began servicing the account on October 22, A purchase of $was made just prior to transition on September 28, 2017. The first full billing cycle in which a minimum payment of $was owed on the new balance started on October 25, and was due on or before November 23, Mr*** scheduled a payment through our IVR service on November 25, 2017; he paid the payment that was late for November as well as the December payment that had not yet billed for a total payment of $60.00. He was current for the December billingNo payment was received in January, so he was days past due on his January billing statement that processed on January 25, 2018. In February he paid $30.00, so he continued to carry the days past due balance when his February billing statement processed on February 25, In March he paid $30.00, so he continued to carry his days past due balance when the March billing statement processedNo payment was received in April, so he progressed further delinquent when the April billing statement processed; it is for this time period that the 31-days past due mark was reported. We realize Mr*** asserts that he made a payment with a representative on March 30. We reviewed the entire call history for his account and have no record of a call to or from Mr*** on that date. We mailed the call history report to the address on file for Mr***, which matches the address on this complaint. He should receive it by June 20, Mr*** contacted our office on April 26, During this conversation, we explained we have no record of a payment or call as denoted above and offered to make corrections to his account if he provided proof of paymentMr*** acknowledged the payment is not showing on his bank statement Given the details enumerated above we believe our records accurately reflect the payment performance maintained on this account. To maintain the integrity of the credit reporting system, we do not delete accurate payment performance detailsWe are happy to make corrections if he can provide proof of the payment from March 30, Please send correspondence via fax to 866-726-or mail to the address in the billing error notice section of his statement, Genesis FS Card Services, P.OBox Beaverton, OR 97076- 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

April 6, Revdex.com P.OBox Dupont, WA RE: *** *** Case #*** 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*** 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*** 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*** 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

Complaint: ***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*** will not take the bed backThere is no option now for payments that I was assured would be acceptable.Sincerely,*** ***

March 29, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear RevDex.com: This letter is in response to your inquiry dated March 21, 2018, regarding a complaint filed with your office by the above referenced consumer, in which Mr*** expressed concern with how we handled validating his identity on outbound callsWe reviewed his account as well as the communications we had with him and found the followingWe called Mr*** shortly after establishing his account on 2/20/18; this is a standard practice to validate the information in our files and welcome our new customers. In that communication, we confirmed the following.We clarified it was a welcome call; confirmed the address on file on Maple Street in Franklin Park to be an accurate mailing address for him. He responded it was but wanted to update the address to his girlfriend’s address. We made sure the girlfriend’s address was for both mail and physical delivery of the mattress, and he said it was. That is the new address on file and listed with this complaint.She did state we would mail out a welcome gift package; that likely went to the original address that he confirmed to be an accurate mailing address for himself at this time. The representative identified herself as calling from Bankcard Services and confirmed it was regarding his Mattress Firm account he established. At the end of the call, he confirmed that she was calling from Genesis FS Card Services, which she had communicated as part of a disclosure when updating the account detailsIn this conversation Mr*** indicated his girlfriend had issues with the mattress, but he would surface those with the store. He clarified he would take care of this account within the months and asked if we begin reporting on his credit file right away. We confirmed for him that we report payment performance each month, and earlier in the conversation clarified that payments are due each month and that the balance in full must be paid within the month promotional period to avoid paying interest.The first billing statement printed with the address confirmed on the first call with us to be an accurate mailing address. The second statement was sent to the girlfriend’s address as requested.On 3/we made another follow up courtesy call. This was a first payment reminder and identified as a courtesy. The representative wanted to make sure Mr*** received his first statement and see if he had any questions. He confirmed the address as the girlfriend’s address, which was denoted in the history from the first call, but had not yet been added to the account as the billing address. As he asserted he asked her to confirm the address on file, and she refused. While we are limited in the information we may release to callers as a security prevention, we could share some details with Mr*** since we had confirmed him as our customer. We have sent the details of this complaint the management team of the representative to review and prevent a reoccurrence.In a subsequent call later that day, we did validate the previous address with Mr***At this time he asserted he hadn’t lived there for years. This is in contrast to what was communicated on 2/20; if the address is incorrect and was not supplied to the store, it may have processed in via electronic means through the application process. The address has been updated as requested and all calls were from Genesis personnelWe hope that alleviates Mr***’s primary concerns.The second representative with whom Mr*** spoke on 3/also closed the account as requested and when asked, explained that he could not facilitate a return of the merchandise with the store for him. Mr*** acknowledged he would reach out to the store and resolve that on his own.We called on 3/because the first payment was not paid on or before the due date, 3/24/18. In this communication he indicated the caller on 2/identified herself to be with “Aardvark” or “Admark” services. He also reiterated the address was from his childhood and was not sure why we had it on file. She confirmed in this conversation that it was noted on 2/and updated to the billing system on 3/21. She also clarified that we call because he is in possession of the merchandise and until it is returned, a payment is owed. Mr*** indicated he did not wish to be called again until we respond to this Revdex.com complaint. He indicated he will return the merchandise 3/29/18.The account has been coded for no further phone contact, based on the details above. Once the merchandise is returned we will adjust the finance charges off the account. If unable to return for any reason or if Mr*** decides to keep it, we ask that he maintain communications with us at the number below 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 October 4, Revdex.com P.OBox Dupont, WA RE: *** *** Case #***
Dear Revdex.com: This letter is in response to your inquiry dated September 28, 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 stepsThe credit balance has been electronically credited back to the payment source used to make the paymentThe customer has confirmed the refund has been receivedWe 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.comP.OBox 1000Dupont, WA 98327RE: *** *** Case
#***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*** 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 *** Our
customer service hours are from 6am to 6pm, Pacific Time, seven days a week.Sincerely,Bankcard Services

March 5, Revdex.com P.OBox Dupont, WA RE: *** *** Case #*** Dear RevDex.com: This letter is in response to your inquiry dated February 26, 2018, regarding a complaint filed with your office by the above referenced consumerWe appreciate Ms*** bringing this issue to our attention*** does not offer a “Credit Verification” service. In order to establish or verify the amount of credit for which Ms*** would qualify, a credit application would have to be processed. As asserted in the complaint, the account was established based on the credit application, but never utilized. A form email was issued to remind Ms*** that the account was established. We regret if it was not clear that Ms*** was applying for credit at ***; we have sent a communication to the corporate offices of the store to make sure applications are presented clearly and in accordance with their corporate expectations Since Ms*** acknowledges submitting information for credit verification and the account was never utilized, we do not believe fraud has been perpetrated against her. Per our records, the account was closed immediately on 2/as requested by the account holder 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

March 14, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear
Revdex.com: This letter is in response to your inquiry dated March 5, 2018, regarding a complaint filed with your office by the above referenced consumerWe appreciate Ms*** bringing this concern to our attentionWe reviewed her account and found the following A payment was made in the first billing period after the transition also, in November of 2017. That is the only payment received since transition; we regret any issues she is experiencing in maintaining the account as agreed. When we reached her on 2/she did not indicate any issue with our sites or payment system; just continued financial hardship, for which we are sorry to learn.As she acknowledges in her complaint, the payment she submitted on 2/23/was returned to us on 3/2/due to insufficient funds (NSF). When she called on 2/27/18, our representative clarified for her that the payment had not yet been returned to us and, when asked, confirmed payments may be made at the store. It was not clear in this communication that the store payment was to replace the NSF; but rather confirming what payment methods are available to her.Ms*** called us on 3/1; there were quality issues identified in this interaction. We have sent the details of this complaint to the supervisor of the representative involved to prevent a reoccurrence.We would normally require documentation of fees assessed by our customer’s bank and offer a credit based on the documented impact. In light of the service issues identified, we have credited her account the $requested as a courtesy, without the bank documentation. This credit will be reflected on her April statement.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

Dear Revdex.com:This letter is in response to your inquiry dated February 4,
2018, regarding a complaint filed with your office by the above referenced
consumerWe appreciate Mr*** 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
The customer made two payments within the same billing cycle. One payment was made online and another made
in the storeBoth payments were made and authorized by the consumer; therefore
will not be refunded back to the consumerSince the confusion arose around the time the account was
transferred to a new servicer, the duplicate payment has been posted to his
February amount due and updates have been made to the Kay Jeweler’s
account to show the next payment will be due March 14th 2018.The February statement will not show this update as it was
mailed to the consumer prior to the changeThis change will be reflected on
the March statement that the customer will receive in the next weekWe attempted
to contact the customer directly to discuss the action taken and have left a
message for him to call back with any further questionsWe 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

May 9, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** 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*** asserts that he wasn’t notified in advance that his *** 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 *** *** *** had a different approach to reporting delinquenciesWe reviewed his account and calls with our representatives and found the following Mr*** opened his account with *** Jewelers on March 19, 2017. On October 22, 2017, Genesis became the new service provider for Mr***’s *** Jewelers credit accountIn September 2017, Mr*** 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 *** *** ***, but rather a uniform reporting practice by all data furnishers.Mr*** 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*** 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*** 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: *** *** Case #*** 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