Genesis FS Card Services does not cite who they specifically collect for on their website. The Destiny Mastercard comes with the lowest credit limit and highest APR and fee terms, so may be best suited for someone with bad credit. If we have made an error or published misleading information, we will correct or clarify the article. As a result, the company began offering credit cards for these types of consumers. 2023 ZDNET, A Red Ventures company. I have ALREADY filed complaints with Transunion among others. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Write a comment below to share online. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. Call our Helpline today! Genesis Financial Solutions, on the other hand, offers unsecured options, but all of them come with rather hefty annual fees. I only want Genesis FS Card Services, *** to stop. But we compared the three credit card options altogether for people with bad credit. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. Take credit for your accomplishments. Get Pre-Qualified today for the Milestone Mastercard Keep an eye on your inboxwell be sending over your first message soon. $75 annual fee after the first year, $99 thereafter. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Avoid the worry of making payments with Autopay. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. *May also include monthly maintenance fees. Genesis FS offers the option to pre-qualify without affecting your credit score, so you can find out what terms you qualify for before you apply, which will then show up on your credit report as a hard inquiry. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. I want this closed w/out hurting my score. After filing a complaint with the card company they canceled my card. Dont worry, we wont spam your inbox. At Bankrate, we take the accuracy of our content seriously. 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. When you click on Has been meticulously serviced and maintained. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. I have a few credit cards through this company. Our experts have been helping you master your money for over four decades. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. 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. Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. Violates the concept of fair use and acknowledgement of services, Any further responses to this will cost a charge of $5000. They will not provide any paperwork or information on how the charges appeared or where the money went and I contacted Atty Gen, the BBB, The Consumer Complaints, Genesis just reports they are working on it but refused to close the line of credit or reverse the fraudulent charges. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." 319 0 obj <> endobj Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. %PDF-1.5 % This collection company may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. 2023Genesis FS Card Services Inc., All Rights Reserved. Home equity line of credit (HELOC) calculator. 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). we equip you to harness the power of disruptive innovation, at work and at home. Stop charging interest for nothing! ebt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. 14600 Greenbrier Parkway, Beaverton, OR 97006. to maintain accurate information. I have been paying into this account each time I pay this company gives me a higher interest never been late I'm always over my limit but not using card interest to high even after I stated hardship this card is a fraud with interest in paying monthly but going backwards can't get ahead to see satisfaction please help me with this matter I'm sickening from this card. And haven't issued me a new card. Whats your name? We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. Even though it's been less than 30 days. 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. At Bankrate we strive to help you make smarter financial decisions. 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. 2023 Bankrate, LLC. Lemberg Law received an A+ rating from the BBB. Timing chain failure, crankshaft and oil leaking in pistons. Many of the card offers that appear on this site are from companies from which we receive compensation. The best starter credit card for no credit, 5 ways to improve your credit score without a credit card, Do Not Sell or Share My Personal Information, Can pre-qualify without affecting credit score, Separate monthly maintenance fee on certain cardholder agreements, Pre-qualifying will not affect credit score, Can be approved for up to $1,000 credit limit, May receive high first-year annual fee, reducing purchase power, Pre-qualifying won't affect your credit score, Terms are cumbersome with low credit limit. Were sorry, but something went wrong and we couldnt find your approval odds. 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. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. The action you just performed triggered the security solution. 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. Merchant Consumer Account Logins If you have an account with Genesis Credit through one of our many business partners, you can access and manage your account online using the links below. . BBB Business Profiles may not be reproduced for sales or promotional purposes. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. 4 months ago I noticed some fraudulent charges on the account. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Here's an explanation for how we make money 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. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. Thanks so much to the lawyers and staff at Lemberg Law!, Lemberg Law firm, did a great job representing me against a big and powerful company, they got me a fair but very good deal for me and the company, felling grateful with them.. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Take a look at the link above to find out whether this collections company falls within this category. A $500 credit limit may also come with a $125 first year annual fee and $49 due each year after, plus a monthly fee of $10.40 billed per month for maintenance, totaling $124.80 per year. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. This almost-great Raspberry Pi alternative is missing one key feature, This $75 dock turns your Mac Mini into a Mac Studio (sort of), Samsung's Galaxy S23 Plus is the Goldilocks of Smartphones, How the New Space Race Will Drive Innovation, How the metaverse will change the future of work and society, Digital transformation: Trends and insights for success, Software development: Emerging trends and changing roles. The information, including card rates and fees, presented in the review is accurate as of the date of the review. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. Many of the card offers that appear on this site are from companies from which we receive compensation. Thank you for requesting your free case evaluation. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 374 0 obj <>stream Check back here for Security Notices and other important information. If you have a low credit score, it can be challenging to qualify for a credit card. Towed one time. Genesis has placed fraudulent charges on a line of credit from a retailer, Ashley Furniture. Every time I contact them. Disgustingly 4-6 emails daily, Spam phish credit card email trying to steal personal information, We made only 2 orders on the *** website the dates are order # 1 Nov 25,2022 $1,045.54 Order # 2 Nov 28,2022 $365.06 6 items in each order We returned the following 4 items in the store with the manager at ********* Bronx ** on dec 3,2022 1)Black bracelet item #********* $59.99(we returned it because it was the wrong item)2) praying hands charm item #*********(returned to small)3)letter o charm item #********* (Returned to small)4)men wedding band black and white diamond ring item #********* (Returned to small)We then received a couple of days later the correct black bracelet item #********* So total of 3 items were returned to your company Total amount for 2 Orders without returns $1,045.54+$365.06=$1,410.60 Total statement should be after returns we made is $957.01 which your company received the returned items on dec 3,2023 Jan and Feb statement from *** credit card company is $1,380.54 as you can see from the attachment And the statement should be $957.01 not ($1380.54)This has been going on for 2 long months and hours and hours on the phone with so many different reps we will not pay for items that were already returned we are being overcharge in the amount of $423.86 and charged a late fee of $40I hope this is the final step to solving this problem in a timely manner. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Take a look at the link above to find out whether this collections company falls within this category. 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. + View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. For those approved for a $300 credit limit, there are several cardholder agreements. Sound off and share your experience with other visitors in the comment box below. Should you accept an early retirement offer? Bankrate follows a strict By providing my email address, I agree to CreditCards.coms 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. Your IP: Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 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. The Destiny Mastercard also comes with a $700 credit limit, which comes with a 35.9% cash advance and an interest rate of 35.9%. More credit for your everyday needs; Show More Best Genesis FS credit card overall (and for those with bad credit), These Experts Are Racing to Protect AI From Hackers. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. The Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. The account information includes my maiden name and a phone number that hasnt been used in over a decade.During a call on 1/31/23, GFS first told me there was nothing else they could do since the case had been resolved in their system. And they do it while incommunicado, from a position of concealment. They know exactly what and WHEN has happened. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. 10/10 recommend this law firm So happy with our settlement!, Fantastic experience! Offers auto rental collision damage waiver. Additionally, this collections company claims that alongside the companys 20+ years of experience within collections exists a company which claims to attribute our leading position in the industry to a strong focus on providing outstanding service to both merchants and end consumers. You can be approved for a $300 - $1,000 credit limit with the Indigo Mastercard, and some consumers may qualify for no monthly fee and low APR. See the online credit card applications for details about the terms and conditions of an offer. Their reviews hold us accountable for publishing high-quality and trustworthy content. Extended warranty and price protection on purchases. 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. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . He has been repeatedly recognized as the most active consumer attorney in the country. Our editorial team does not receive direct compensation from our advertisers. 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. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. CreditCards.com is an independent, advertising-supported comparison service. 300-670 (Bad to Fair) Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. This website is using a security service to protect itself from online attacks. This credit card also comes with an annual fee of $49 or $59 each year and either a 24.9% or 29.9% purchase APR with a 29.9% cash advance APR. [and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. 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. The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. 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. All rights reserved. In total you're paying $193 in fees just to have an account with them. You can email the site owner to let them know you were blocked. Editorial integrity is central to every article we publish. We maintain a firewall between our advertisers and our editorial team. 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). Setup AutoPay for even more Convenience Learn the Law & Sue the Collector. Eastern, or. 18 reviews of Genesis Financial Solutions "Genesis has had absolutely horrible customer service. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Fortunately, there are credit cards on the market designed for people in these situations. They kept me up to speed the whole way. I have sent them this info several times now. What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. Multiple credit card perks. Abused? Read more about the firm. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. If you see inaccuracies in our content, please report the mistake via this form. 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. I have tried numerous times to correct all of this. Though this collection company promises to be a professional and reputable business, it is still possible that this collections company may still have violated the 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. I paid the annual fee, told them card had expired Genius stated a card was on the way, needless to say no card ever came, here I am again them wanting 99.00 plus late fee of 29.00 and no card. Milestone Card reports to all three credit bureaus. Kay Jewelers offers two credit cards one issued by Comenity Bank and one issued by Genesis FS Card Services. 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're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. More specifically, the collections company claims that their success is due to knowledge, experience, and skill in developing omnichannel financing solutions with flexible technology that best serve our merchant partnerships and non-prime consumers. Though this collection company promises to be a professional and reputable business, it is still possible that this collections company may still have violated the FDCPA. I'm told there is a temporary block on the account. The thing is THEY HAVE ALL OF THE **** in their records. $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.