When you buy through our links, we may earn a commission. There is little confirmation available from the collections company on who they specifically work with. The Indigo Platinum Mastercard is issued by Celtic Bank, a Utah-Chartered Industrial Bank, If you believe that this collections company may have violated the FDCPA do not hesitate to contact an attorney and file a complaint or take action by reviewing the company on the BBB or Google Reviews. So I ask them to change it back and then they want me to send them a copy of my drivers license to do so! , and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Contact . This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. How Does the CFPBs Debt Collection Rule Affect You? He has been repeatedly recognized as the most active consumer attorney in the country. . This site does not include all credit card companies or all card offers available in the marketplace. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. Get a Mastercard accepted online, in store and in app. Depending on your credit history and other criteria, you can get approved for a $300$700 unsecured credit limit on the Destiny Genesis FS credit card. 1,670 total complaints in the last 3 years. The Good. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. They know exactly what and WHEN has happened. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. All Rights Reserved. Compare offers side by side and apply online for the credit card that is right for you. Genesis offers the option to customize your card design and all three credit bureaus receive payment data, which can help boost your credit score and establish you as a responsible cardholder. The main difference is theres a chance you wont have to pay an annual fee. I m getting calls and dont have a card in hand, its been almost 3 years since I paid Gennis off and card expired and the started calling and I told them I had no card they failed to send. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. They have the records and they act like they don't. Or, instead you can send a secure message to our legal team. However, all credit card information is presented without warranty. Setup Autopay and ensure your payments are made on time every month. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . There are several cardholder agreements you could qualify for with a $300 credit limit. Check the data at the top of this page and the bank's website for the most current information. I only want Genesis FS Card Services, *** to stop. If your credit score is lower, you may qualify for a 35.9% APR with a $175 first year annual fee and $49 each year after, plus a $150 annual maintenance fee billed monthly at $12.50. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . Have you had a bad experience with this agencys debt collectors? Be wise, do not write off this collections company as a scam. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. It reports to all three credit bureausExperian, TransUnion and Equifaxand with time, as your credit score improves, you could be eligible for more exciting credit card products. If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. They just say they are working on it, it is total fraud and someone billed this and took the money but Genesis will not confirm anything or help. Bankrate follows a strict Privacy Policy. They constantly are giving me the run-around. 4 months ago I noticed some fraudulent charges on the account. Your annual fee will also depend on your credit profile and can be $35, $59 or $75 in the first year and $99 thereafter. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. As a matter of policy, BBB does not endorse any product, service or business. I have been on the phone numerous times with them. EVERYTHING is a constant run-around with them. In that regard, the solicitations only have a contact for the national opt out for pre-screening of credit offers, owned and operated by the big three credit reporting bureaus. . 374 0 obj <>stream + Everything you need is right here. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Since Genesis Financial Solutions designs its products for subprime and non-prime consumers (those with credit scores under 669), theres a good chance you can qualify no matter what your credit situation is. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. See the online credit card applications for details about the terms and conditions of an offer. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. How is this company allowed to continue to operate?? Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. Increase non-taxable income or benefits included by 25%. Get a Mastercard accepted online, in store and in app. \D6bVcZXwx:>{5kfmuuxGv4+yt;86Satu>+MnJv0"}5::>9=;n'\S")FV^@^d4OcN0PpJJ/`+6!*q;oqgqxx %3IH r@MZcQOZUjx.m>%IFH;m) uMf)_n|?=T7h:X|&f2~2>6]uuvwy=K]l}]~V^Vmh=8 ki.CEQJsP6\b5Q38;`GS$5S`,a(]5`Fv XR! Many of the card offers that appear on this site are from companies from which we receive compensation. If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. You may be approved with a $59 annual and yearly fee each year after, with either a 24.9% or 29.9% APR and a 29.9% cash advance APR. Milestone Card reports to all three credit bureaus. We contacted Lemberg about being harassed by a rude debt collector, and within weeks we got a settlement check. What are index funds and how do they work? Aja is the author of "How a Mother Should Talk About Money with Her Daughter.". Additionally, the *** used to open the account is outdated. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. Once you've decided which card fits your needs, apply for it. This credit card comes with an annual fee, and you may also have to pay a monthly fee, which is considered set up and maintenance fees. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. document.write(new Date().getFullYear()) Genesis Financial Solutions. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. It is also possible that this collections company could have been a part of a variety of lawsuits, sanctions, and penalties according to Public Access to Court Electronic Records (PACER), which reports all federal complaints within the U.S. federal systems docket. ZDNET's editorial team writes on behalf of you, our reader. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Your personal information and data are protected with 256-bit encryption. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. Can I sue Genesis FS Card Services for Harassment? These statements cannot be true. Copyright 2023 CreditCards.com a Red Ventures Company. You have money questions. to maintain accurate information. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. At Genesis Financial Solutions, we put consumers first by providing non-prime consumers a second chance to access quality financing solutions and direct-to-consumer credit cards. You can sue a debt collector. Please enter a valid phone number. ebt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Bankrates editorial team writes on behalf of YOU the reader. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. Yes, we would love to help. One of our staff members will call you shortly. Genesis FS Card Services has received a many complaints over its time in business. We will not be taken advantage of next step small claims Court because your bank are scamming people Only items that we have from *** Order #************** Nov 25,2022 1)Black chain item #********* $139.99 2)Black bracelet item #********* $59.99 3)Cross and chain item #********* $53.99 4)Bracelet item #********* $49.99 Order #************** Nov 28,2022 1) bracelet item #********* $179.61 2)ring item #********* $209.99 3) bracelet item #********* $125.99 4) bracelet item #********* $104.99 5)ring item #********* $69.99 Total of 9 remaining items and these are the only items we should be charged for and the only items we will pay for total $957.01. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. I am receiving multiple calls a day at work to my work number. The Genesis FS Milestone Gold Mastercard is issued by The Bank of Missouri and offers up to a $1,000 credit limit for those who qualify. Sound off and share your experience with other visitors in the comment box below. Setup AutoPay for even more Convenience The APR for this card is 24.9% or 29.9%, and the cash advance APR is 29.9% for all Genesis FS Destiny Mastercard credit cards with a $300 credit limit. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. hWkk9+%ghA&ljp`K\ilQuGBFXN(n4QByQBRhjcZbURd,lI5Il(2H(11)A2`tF6YAs,F& editorial integrity, %@H2U``bd`qo0 A_ On the Better Business Bureau there are currently 1,101 complaints closed in last 3 years, 456 complaints closed in last 12 months, and 147 reviews amounting to 1.12 stars overall. fallen victim to excessive, threatening, misleading or otherwise untimely calls from a third party debt collector are entitled to compensation under The Fair Debt Collections Practices Act (FDCPA). This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com This compensation may impact how and where links appear. 767 complaints closed in the last 12 months. Find out who they are, why they might be calling, and how you can stop them. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. The information, including card rates and fees, presented in the review is accurate as of the date of the review. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Thank you for all your help., INCREDIBLE EXPERIENCE! Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. Testing RFID blocking cards: Do they work? When you have bad or poor credit, it can be challenging to get approved for an unsecured credit card. Everything you need is right here. The Genesis FS Milestone Gold Mastercard is issued by The Bank of Missouri and offers up to a $1,000 credit limit for those who qualify. Worry free spending with $0 liability on unauthorized charges! If you have a low credit score, it can be challenging to qualify for a credit card. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Harassed? Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. Well use this information to to verify your credit profile. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. When your credit isnt in the best shape, many of the credit card options available to you may be secured cards, which require a security deposit at the time of application. Keep billing me interest and finally attack my credit rating when the interest they illegally charge is. In order to close account, charge of $75 annual fee still charged. And they do it while incommunicado, from a position of concealment. 2023 Bankrate, LLC. Call us today to find out how we may be able to assist you with your case. View statements, enroll in paperless statements, pay your bill, update your contact information, and more! If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Pros & Cons of Milestone credit card. Genesis Financial Servicesoffers credit to the non-prime market, which is users who can't qualify for prime rates because of their credit history. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Milestone Card reports to all three credit bureaus, No security deposit required so you can keep more money in your pocket, Pre-qualify without impacting your credit score, Shine brighter with a credit card as unique as you, Get access to a credit card you can use online, in store and in app where ever you see the Mastercard logo. The Indigo Mastercard also comes with a $700 or $1,000 credit limit with a $59 annual fee and 29.9% cash advance and purchase APR. Genesis and Genesis Credit are registered trademarks of Genesis Financial Solutions, Inc. Destiny, Indigo, and Milestone are registered trademarks of Genesis FS Card Services, Inc. Delivering FinancingSolutions for Merchants and Consumers. Accounts with Merchants Not Specified Below With various cardholder agreements for each credit card, most consumers with bad or poor credit can qualify. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. All Rights Reserved. Apply now at Genesis FS Card Services's secure site Rewards rate This card doesn't offer cash back, miles, or points Intro offer No current offer Annual fee $59-$99 Regular APR 24.90% Recommended credit 300-670 (Bad to Fair) Card details Highlights $0 Fraud Liability for unauthorized use offers you peace of mind If you have any questions about this document or the Genesis Credit Account, please call Genesis FS Card Services at 1-866-502-6439. they stick together and read notes to keep saying the same thing, so I contact my bank for the other $200, and they go to my milestone card and reverse payment from there and add . Still, considering the high cash advance APR (29.9 percent) that kicks in immediately when you borrow cash against your credit line, youll want to avoid use this feature sparingly. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Celtic Bank issues the Genesis FS Indigo Mastercard. Absolutely. 2022 Hyundai Veloster N - After replacing the tires with Contentinal 235/19 all seasons on OEM wheels the blind spot warning system was malfunctioning within one mile of driving. BBB Business Profiles may not be reproduced for sales or promotional purposes. ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. (Note, in a call on 1/31/23, ******** Service Supervisor ***** confirmed GFS received this affidavit). Terms apply to the offers listed on this page. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. The lack of cash advance fees in the first year with the card is another advantage of this product and a rare credit card benefit. At Bankrate we strive to help you make smarter financial decisions. Make a payment with confidence knowing your account is protected with our fast and secure system. Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. Take a look at the link above to find out whether this collections company falls within this category. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. Our top goal is simple: We want to help you narrow down your search so you dont have to stress about finding your next credit card. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? International Association of Better Business Bureaus. Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. Were sorry, but something went wrong and we couldnt find your approval odds. In a letter dated 1/20/23, GFS now says after investigation we were unable to resolve this dispute in your favor for the following reasons: Merchant provided documentation to show your presence at the time of purchase," and "while applying for credit, Upon the opening of the account, your personal identification information was verified. You can email the site owner to let them know you were blocked. And only the fraud department can remove it and issue me a new card. This wont impact your credit score. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. As a part of the second-look financing market, you don't need an excellent, or "prime" credit score to get approved for Genesis credit. And haven't issued me a new card. 319 0 obj <> endobj Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. If a debt collector has contacted you, make sure you understand your rights before taking action. Paperless Statements and more! Here's an explanation for how we make money The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. The Bad. This Genesis FS credit card has the best terms of the three, which typically means you have to have a better credit profile to be approved. Submitting a response indicates a willingness to work with customers to make things right. Take our 3 minute quiz and match with an advisor today. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Unlawful Debt Harassment? When you click on This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Then, both cards have $700 limits and they allowed them to be run up to roughly $1500 on each card!! Extended warranty and price protection on purchases. Kay Jewelers offers two credit cards one issued by Comenity Bank and one issued by Genesis FS Card Services. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. Avoid the worry of making payments with Autopay. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. Those who have fallen victim to excessive, threatening, misleading or otherwise untimely calls from a third party debt collector are entitled to compensation under The Fair Debt Collections Practices Act (FDCPA). But I am not able to speak with the fraud department myself due to their customer service department can't transfer my call to the fraud department. The thing is THEY HAVE ALL OF THE **** in their records. Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. You could qualify for a $300 credit limit with an annual and yearly recurring maintenance fee of $35 or $59. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan. Now wanting a late fee. CreditCards.com credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. You'll be able to see which card, credit limit, and terms you qualify for without impacting your credit score. Note that complaint text that is displayed might not represent all complaints filed with BBB. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Learn the Law & Sue the Collector. Everything you need is right here. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. Every time I contact them. Further, youll be responsible for an up to $40 overlimit fee if you opt in to overlimit coverage and go over the credit card limit. Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. . $75 annual fee after the first year, $99 thereafter. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. . In this catch-22 situation, it may seem like your options are limited. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Your email address unlocks your approval odds. we equip you to harness the power of disruptive innovation, at work and at home. $0 Fraud Liability for unauthorized use offers you peace of mind, Access to an unsecured credit card - no security deposit required, Nationwide acceptance - use anywhere Mastercard is accepted in app, in store, and online, Pre-qualifying is quick and easy and will let you know if you are qualified without impacting your credit score, Reports your payments to all three major credit bureaus, Use your card in app, in store, and online - Nationwide wherever Mastercard is accepted, Build on your credit history with the Milestone Mastercard, Quick and easy pre-qualification that does not impact your credit score. Genesis Financial Solutions is one of the companies that offer credit cards for customers with poor or limited credit. It appears as though there are a variety of different complaints against this collections company alleging violations of the Fair Debt Collection Practices Act (FDCPA). While we adhere to strict The Genesis Credit belief is "no one should be turned away from financing based solely on a FICO score." Genesis FS uses Indigo and Milestone Mastercard to offer non-prime users credit cards. February 18, 2023 @dameonwallace09 Verified Customer Was approved for a $700 credit line. Abused? The action you just performed triggered the security solution. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. at Genesis FS Card Services's secure site, No security deposit required so you can keep more money in your pocket, Pre-qualify without impacting your credit score, Shine brighter with a credit card as unique as you, Get access to a credit card you can use online, in store and in app where ever you see the Mastercard logo. This is not legal advice. Genesis FS Card Services has received a many complaints over its time in business. I want this closed w/out hurting my score. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy.
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