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Genesis GW possible?

Just1Starfish
New Contributor

Genesis GW possible?

Hello to all.

 

Yes, I know it's a horrible card, but I have an Indigo Bank Mastercard, currently zero balance and $300 limit. 

 

This time last year I was using a Bill Pay service called Earn-Up.  Due to a processing error, Earn-Up sent my August payment out late to 2 creditors...Genesis and Home Depot.  I have a letter from Earn-up(the bill pay service) that shows it was a processing error on their end, and asking that the derogatory remark be removed.  (They reported it 30 days late x1 in August of last year.  Home Depot did not report late). 

 

Is it worth it to try to dispute the late payment, or request a Goodwill adjustment?  Ultimately, I know it's my responsibility to watch it every month, but somehow I didn't discover that it was late until September.  So Earn-up screwed up and I didn't catch it.

 

Thanks for any tips!

Planted the garden: 11/1/2018
See what grows: 5/1/2019
Message 1 of 6
5 REPLIES 5
Bank007
Frequent Contributor

Re: Genesis GW possible?


@Just1Starfish wrote:

Hello to all.

 

Yes, I know it's a horrible card, but I have an Indigo Bank Mastercard, currently zero balance and $300 limit. 

 

This time last year I was using a Bill Pay service called Earn-Up.  Due to a processing error, Earn-Up sent my August payment out late to 2 creditors...Genesis and Home Depot.  I have a letter from Earn-up(the bill pay service) that shows it was a processing error on their end, and asking that the derogatory remark be removed.  (They reported it 30 days late x1 in August of last year.  Home Depot did not report late). 

 

Is it worth it to try to dispute the late payment, or request a Goodwill adjustment?  Ultimately, I know it's my responsibility to watch it every month, but somehow I didn't discover that it was late until September.  So Earn-up screwed up and I didn't catch it.

 

Thanks for any tips!


Send GW letter. Set everything to autopay. Set reminders.  Fire Earn-up.  Own your processes.  Good luck my friend!

Starting Score: 550
Current Score: 652
Goal Score: 670


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Message 2 of 6
Cjethompson2017
Frequent Contributor

Re: Genesis GW possible?

@Just1Starfish I am trying to goodwill with genesis right now and I've sent letters and emails and called and haven't had any luck. The people on the phone seemed to not have a lot of experience with anything and they won't transfer you to anybody useful. If you find contact info, can you please share with me?? 

Message 3 of 6
Soden71
New Member

Re: Genesis GW possible?

Same here! Any sharing of contact info would be greatly appreciated!

Message 4 of 6
FireMedic1
Super Contributor

Re: Genesis GW possible?

If you have the proof in a letter. Send off copies to the CRA's. If they give you a hard time. Then CFPB time. Actually they should make the adjustments to the CRA's not you. Ask them to do so.

Message 5 of 6
Katiemay25
Frequent Contributor

Re: Genesis GW possible?

I have the same card. I emailed the President/CEO. I got a call from his office the next day. They claim they don't remove. I have a 30 day from 2018 I wanted removed. 









Message 6 of 6
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