Has anyone dealt with Genus Credit Management? I joined their program in 1999. I was paying three Capital One accounts through them for about 34 months. In January of 2002, I decided to see what my balance was with Capital One on these accounts, I asked Genus who said they did not know, I would have to contact NCO, who was receiving payments for the accounts. NCO informed me that the accounts had been sent back to Capital One. So I called Capital One. The balance they said I owed was the same balance I owed in 1999! They said the money I had paid went to interest I owed! We have gone back and forth now for awhile. I sent them a request for validation letter, so far no response. I asked for an account of all payments sent to NCO for the accounts, every statement on the account etc.
My problem lately is getting Genus to send me the repayment schedule for the Capital One accounts. I know this is possible because they sent me one for another creditor I have on the program. They just seem to be stalling. They were investigating the Capital One accounts for me as well, and they were suppose to let me know what they found out, they haven't, despite repeated calls and E-Mail! I just E-Mailed them telling them I was considering legal action against Capital One and NCO for mismanagement of my money, if they would not send the information I needed, I would file a complaint. I am just so frustrated right now! I can't get anyone to give me an account of how my payments were applied! Any suggestion?