Consumer complaint received 2022-03-16
Company: Genesis FS Card Services, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two credit cards with the same company ( Genesis ). I have a Milestone Master card and an Indigo card. I am NEVER late on my payments! I used two separate bank accounts to pay both bills early. I have the evidence ( Bank Statements ) Milestone has sent me a letter saying I am late and has been charging me excessive fees. I contacted them on numerous occasions. After being transferred multiple times I was finally able to speak with a person that discovered the company has been applying both payments toward one card. They promised to fix my bill and card. For more than three weeks now I have been in contact with them and the agents transfer me around to multiple people and say its under investigation review and they are going to fix it. I received a call today from them, they attempted to state I was late and over limit. I requested a supervisor, explained the situation and they again said they are working on it. While speaking to the supposed supervisor I made sure she took down my phone number in the case the call drops. She said ok, 2 minutes later they went silent and hung up. They didnt call me back. This company is fraudulently reporting to me I am behind and attempting to charge me with late fees. I have always paid my cards early or on time. I have the bank account proof. They continuously put payments on only one card. I have provided both account numbers and card numbers each time I have paid. Every time I contact them, they transfer me to multiple people, havent resolved their billing errors and are trying to charge me and are going to ruin my credit. My Milestone card ends in XXXX my Indigo card ends in XXXX! 
They have identified their mistakes and admitted to it, yet they havent fixed the issue! I am fearful this Genesis Card company is fraudulently reporting me as late on my Milestone Card and have not brought my account as current and fixed their internal issues. They constantly transfer me to different supervisors admit to their faults, and then the calls disconnect and I receive no call back! I am demanding they bring me CURRENT and I have EXCEPTIONAL PAYMENT HISTORY WITH ALL OF MY CREDIT CARDS and I want to rid of this credit card company. I would like to follow with a lawsuits against them. Please advise me on this and call me at ( XXXX ) XXXX NOTE : I have also reported to them that I have made numerous attempts to access my online accounts with them and it always shows unable to access or no history of the information provided. I have been walked through processes with their agents and still no access. They promised me on numerous occasions that their IT would contact me and I never receive a call or email! This company is taking money from consumers and my fear is they will ruin my credit! Please contact me! 

I am providing two snapshots of my different bank accounts as proof of what they have done! They clearly show {$100.00} payment from XXXX Account and a {$40.00} payment from my XXXX Account! 

Thanks

Company response to consumer: Closed with explanation