Twin City Tire & Auto Service

March 20,
Revdex.com
P.OBox
Dupont,
WA
RE:
*** ***
Case # ***
Dear
Revdex.com:
This
letter is in response to your inquiry dated March 20, 2018, regarding a
complaint filed with your office by the above referenced consumer in which Mr
*** requested a letter in addition to our previous response to confirm his
account is truly closed
We
drafted and mailed a voluntary account closure confirmation letter today. Please allow mailing days to receive the
letter via US Mail
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,
*** ***

February 15, Revdex.com P.OBox Dupont, WA Re: *** *** Case #: *** Dear Revdex.com: We received a complaint dated January 20, for the above named consumer in which she stated she did not receive the notification of change
in terms from *** *** *** *** *** *** to Genesis FS Card Services and that she has experienced problems with making payments. We reviewed her account and a summary of our findings follow. Mrs*** opened her account with *** 3/19/17; *** managed the account from that date until 10/21/and Genesis began servicing select *** accounts on 10/22/17, of which Mrs***’s account is one. A notice in change of terms was went to all impacted customers in September, 2017. We requested a reprint from *** and will mail it to her; she should receive that in business days.While it is our preference to process check payments over the phone, a debit card may be used if that is the only method of payment available to our customer. We regret if this company policy is a cause of frustration for Mrs*** and any confusion caused in communicating this expectation to her.Cash payments may continue to be made at the *** store only; we do not accept or request cash payments via any other channel.Payments have been made each month, but not the entire amount owed; each billing statement has accurately reflected the total amount owed and the amount past due and have been mailed to the same address as listed on this complaint. In our communications with Mrs*** she acknowledged an awareness of the past due and indicated she will pay that later We hope this information clarifies the matterIf 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, Genesis Card Services Tell us why here

Complaint: ***
I am rejecting this response because:It's unfortunate that my account is no longer being serviced by *** - 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 *** 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 *** 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,
*** ***

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 27, 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 credited the fees and deleted the trade lineA letter confirming these actions has been sent to the consumerWe have spoken with the customer directly and advised of the actions being taken and has indicated she is satisfied with the results 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

May1, 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 frustration with the accounting and reporting practices of settlements We and all creditors are data furnishers and must operate within appropriate guidelines with respect to how payment performance is reported on all consumers’ credit files. We may not accept any payment, in whole or part, as a means of removing accurate historical data. We cannot speak to actions taken by other creditors but can only address our own; we have sufficiently and thoroughly clarified what transpired which is an accurate representation of how Mr*** maintained his account with us We have apologized for not clearly articulating the impact of writing off the remaining portion to him, but that alone is insufficient to warrant altering his payment history. We have also provided him with an alternate option if he wishes to reverse that arrangement. We believe we have reasonably addressed his concerns and 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, Bankcard Services Tell us why here

March 7, 2018 Revdex.comP.OBox 1000Dupont, WA 98327 Re: *** ***Case #: *** Dear Revdex.com: We received a complaint dated February 27, for the above named consumer in which it was asserted that he has been building a credit balance
with us and is requesting a refund of those payments. We reviewed his account and found the followingMr*** established his account on 12/30/and financed a procedure at Aspen Dental totaling $1,on 12/31/15.Statements have been issued each month with applicable finance fees and charges applied.In a conversation on 1/3/18, he acknowledged that he used the account in 2015.Payments have not been maintained as agreed every month; payments out of the billed have been late, causing applicable fees to be charged in accordance with his credit agreement.On 3/1/we clarified the balance was owed and not a credit balance. In this communication, Mr*** surfaced that he had paid Aspen Dental out of pocket and should not have a balance on the account since he never used it. If Mr*** has documentation to validate this assertion, we can investigate the matter further with Aspen Dental. Please submit them to our attention at the address or fax below. Genesis FS Card Services Fax: 503-268-4711P.OBox 4485Beaverton, OR 97076 We hope this information clarifies the matterIf 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 We hope this information clarifies the matterIf 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 Tell us why here

Complaint: ***I am rejecting this response because:
I am writing to you in regards to complaint #***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*** 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 *** ***
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
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, *** *** **

Complaint: ***
I am rejecting this response because: I haven't received a confirmation letter clarifying that my account is closed.
Sincerely,
*** ***

June 25, Revdex.com P.OBox Dupont, WA RE: *** *** Case # *** Dear Revdex.com: This letter is in response to your inquiry dated June 21, 2018, regarding a complaint filed with your office by the above referenced consumerMr*** expressed dissatisfaction with our prior response and indicated our detail regarding his payment performance was unnecessary We wish to clarify that the detailed analysis was provided because he requested that we remove his delinquency from his credit file. We wanted to make clear why the mark reported as it did, when it did. As previously communicated we will be happy to research further and make any necessary updates if Mr*** supplies us with proper documentation or details of the payment from his bankThe bank will only supply that information to the account holder and he may contact them to obtain if he no longer has his records 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

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,
*** ***

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*** asserts in his complaint that his account was not closed with the first requestWe reviewed his account and found the following The account has not had a balance since it was opened in January We sent a statement in December 2017, indicating that the annual membership fee would be billed to his account in the following monthThe account was billed as communicated with the annual membership owed on or before 2/24/Our records do not reflect any calls placed to or from Mr*** until 3/3/18. During this conversation he did express frustration that the account was not closed previously. Our representative clarified the request and reviewed the account and immediately offered to waive the annual fee and close the accountThe representative clarified that while we don’t have a closure confirmation code, a letter would be issued confirming it was closed. The account was closed as agreed that day and is at a zero balance. The website may not reflect this change until the account cycles next, after 3/25/The representative was uncertain if it would be viewable, but said if he could access the site, it should reflect the changeWe regret any undue concern that misinformation caused. We have sent the manager of the representative involved the details of this complaint to prevent a reoccurrenceWe have no record of a follow up call; our system clearly reflects that the account activity was conducted the same day, by the person with whom he spoke. 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 ***, and find that this resolution is satisfactory to me
The business and *** should review their customer policy and inform them that the credit check for qualification would result in the production of an accountWe were informed that the account would not be established unless we finished the process and that we would only be looking at what interest rate we would qualify forUpon finding out that this account was created we contacted the company and dealt with a very unprofessional customer service representativeWhen asked to speak with a senior representative he disconnected the callI suggest they review their customer service tactics and show some more professionalism when dealing with customers
Sincerely,
*** ***

Dear Revdex.com:This letter is in response to your inquiry dated February 2,
2018, regarding a complaint filed with your office by the above referenced
consumerWe 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 steps
There was some confusion due to the customer having two accounts with our
company:Kay Jewelers Account ending in 0935Milestone account ending in 7204This has been addressed and representatives have been
provided coaching and redirectionDue to the confusion, the payment made
online of $has been requested to be moved from the Milestone account to
the Kay Jeweler’s account per the consumer’s request to apply the payment to
her Kay Jewelers accountThis change can take a few days to be completely
processedThere were no fees charged to either accountWe 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

Complaint: ***
I am rejecting this response because: I am not accepting this as resolvedWhy would I have a bill due in January and I still don’t have furniture? What would I be paying for? I shouldn’t receive any bill until I receive the productAs well as a credit for the harassing phone calls form your collection teamWho I called numerous times and they wouldn’t resolve the issueThey where rude and told me I needed to pay and that is was not their problemI held numerous times for a manager never received oneNever received a call back.
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:The business continues to contradict its own statements and only provide two options; pay off the remaining debt, which should not show as a debt anymore, or just deal with the absurd drop in credit scoreI have settled debts with other creditors but this debt has been the only one to have any negative impactThe business asks that I call them to address these issues but the numerous times I have, I have received no answersEither the operator transfers me numerous times to departments that tell me they don’t know what to do, or I am told by the business’s employees that I still have a debt showing, that there must be an issue since the debt was settled, and they will escalate the issue, and I receive no responseI settled debts with other creditors that not only did not punish me for making a payment in good faith but also erased the account from my credit so that I may continue working on building my scoreUntil I the debt that was SETTLED is no longer showing on my account or the business can address these issues like every other creditor I have contacted, I will continue to reject these responsesIt should also be noted that the last response was clear and understood by me, as well as legal counsel I consulted after responding to itIt is clear that the business contradicts their own previous responses and that of the employees I have spoken with over the phone and that the business defines “settlement” by their own terms and not by the actual definition or purpose
Sincerely,
*** ***

February 15, Revdex.com P.OBox Dupont, WA Re: Edward D*** Case #: *** Dear Revdex.com: We received a complaint dated February 8, for the above named consumer in which he stated he never received a statement from us
and that we failed to establish a recurring payment schedule as agreed. We reviewed the account and our findings followMrD*** opened his account on 6/15/and financed a purchase on it on 8/8/17.We sent billing statements to the address provided at the time he opened his account, which differs from his current address and the address denoted in this complaint.We have no record of a communication between our representatives and MrD*** until 2/8/17; at that time he let us know he was not receiving statements and we updated his address as well as the phone numbers in our records.All payments in our system were established via the IVR system and did not involve the assistance of a representative at our offices.We did reach out to the numbers we had on file when the payments were missed in an attempt to resolve the issue with MrD***, but were unsuccessful at reaching him at the number we had on file initially.Payments were missed sporadicallyThere was only one occasion that the account progressed far enough delinquent to be reported on MrD***’s credit file; that occurred in December when a second consecutive billing period passed without a paymentSince he was not receiving his billing statement, we have adjusted that delinquency off his credit file as a courtesy. There are ways to view his account online.We also noticed MrD*** purchased on a deferred interest plan; in order to make sure the balance is paid off before the end of the promotional period, MrD*** will need to pay more than the scheduled minimum payments on his statement; he will need to make sure the promotional balance is paid in full before 8/8/18. We hope this information clarifies the matterIf 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, Genesis Card Services Tell us why here

Complaint: ***
I am rejecting this response because:I paid for the settlement that was agreed upon between the creditor and I in FebruaryTo this day and based on their response, they are still showing a debt despite the agreementThe account was closed due to non-payment months prior to the agreement and did not damage my credit score as much as it did as coming to an agreement with the creditor and paying the agreed upon priceThe creditor claims that they informed me of the account being closed as a bad debt when they read their disclosure prior to accepting my paymentAt this time, they still show the account they stated was closed as having over $still owed which contradicts the purpose of a settlement paymentOnce again, if I was informed, in plain English, that making this payment in good faith would damage my credit more than not making payments all together, I would not have agreed to their terms
Sincerely,
*** ***

March 2, Revdex.com P.OBox Dupont, WA RE: *** *** *** Case # *** Dear RevDex.com: This letter is in response to your inquiry dated February 24, 2018, regarding a complaint filed with your office by the above referenced consumerMs*** *** is upset that her account was closed to future purchases due to inactivity and requested that we delete the historical activity as it was a loan and not a credit card It is significant to note that both loans and credit cards are reported to credit bureaus as well as service agreements such as cellular billsAs Ms*** *** asserts in her complaint, she financed a loan with Mattress Firm. In order to do so, her ability to finance the loan was assessed by Genesis as we are required to do. As a participant in the Credit Reporting process, we do not alter accurate, historical data we have reported, so we cannot honor Ms*** ***’s request. As she also asserts, her account was maintained as agreed. Favorable data may report on credit files indefinitely, and favorable historical data such as hers is not a detriment to consumers. 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