Also: 5 ways to improve your credit score without a credit card. Federal Law allows you to protect your FDCPA rights in court via lawsuit. I am receiving multiple calls a day at work to my work number. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. 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). When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. The Fair Debt Collection Practices Act prohibits this action. We are an independent, advertising-supported comparison service. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. Take a look at the link above to find out whether this collections company falls within this category. Avoid the worry of making payments with Autopay. Read more about the firm. 4 months ago I noticed some fraudulent charges on the account. Content published under this author byline is generated using automation technology. Lets face it theres a lot of jargon and high-level talk in the credit card industry. Bankrate follows a strict Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." 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. Another option could be a $75 initial annual fee with a $99 annual fee each year after. With various cardholder agreements for each credit card, most consumers with bad or poor credit can qualify. Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. And they do it while incommunicado, from a position of concealment. Please call me Monday 8/15. Take a look at the link above to find out whether this collections company falls within this category. to maintain accurate information. document.write(new Date().getFullYear()) Genesis Financial Solutions. Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. I have a few credit cards through this company. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. 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. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. This credit limit features a $74 annual fee for the first year and $99 each year after, plus a 29.9% cash advance and purchase APR. Get a Mastercard accepted online, in store and in app. Call us today to find out how we may be able to assist you with your case. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. I have ALREADY filed complaints with Transunion among others. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. ZDNET's editorial team writes on behalf of you, our reader. At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. If youre in this category, these cards can be an option for you, but consider the high fees and research other credit cards before you applyyoure likely to find products with better terms targeting the same consumer category. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Click to reveal Depending on the offer you qualify for, you may be required to pay: You might not need to pay an annual fee, but theres no guarantee that youll get this offer, especially if you have a low credit score. Check back here for Security Notices and other important information. 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. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Or, instead you can send a secure message to our legal team. If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. Your fee amounts and APR vary by the cardholder agreement you're approved for. This happened after the death of my son. A Red Ventures company. They settled my case so fast. 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; Build on your credit history with style; Worry free spending with $0 liability on unauthorized charges! Genesis FS uses Indigo and Milestone Mastercard to offer non-prime users credit cards. 2023 ZDNET, A Red Ventures company. But we compared the three credit card options altogether for people with bad credit. 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. Copyright 2023 CreditCards.com a Red Ventures Company. The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. I only want Genesis FS Card Services, *** to stop. Best Genesis FS credit card overall (and for those with bad credit), These Experts Are Racing to Protect AI From Hackers. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. Compare offers side by side and apply online for the credit card that is right for you. However, all credit card information is presented without warranty. 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. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Multiple credit card perks. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. You could qualify for a $300 credit limit with an annual and yearly recurring maintenance fee of $35 or $59. At Bankrate we strive to help you make smarter financial decisions. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. In the meantime, you are welcome to call us right away at 855-301-2100. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22. 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. Compared to a secured credit card, an unsecured credit card doesn't require collateral or a deposit into a savings account for approval. Testing RFID blocking cards: Do they work? You might qualify for a $59 annual fee with either a 24.9% or 29.9% APR and a 29.9% cash advance APR or a $125 annual fee with a 29.9% cash advance and purchase APR. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . Your email Whats your email address? Everything you need is right here. Neither ZDNET nor the author are compensated for these independent reviews. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Misled by a collector? Everything you need is right here. + Check the data at the top of this page and the bank's website for the most current information. hbbd```b``V 5 id`u"YHF
05Xv"X0yLn"$ All Rights Reserved. Abused? Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. hWkk9+%ghA&ljp`K\ilQuGBFXN(n4QByQBRhjcZbURd,lI5Il(2H(11)A2`tF6YAs,F& 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. No more harassing calls from them bothersome credit card companies. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. The private-label credit programs offered through the Genesis Credit brand, allows merchants to provide financing solutions to customers who are turned down by primary lenders. Because only Genesis FS Card Services, Inc. is sending me repeated solicitations that are exactly the same, and in a amount and frequency that is simply harassing. This card also comes with a 29.9% APR with $75 initial annual fee and $99 annual fee each year after, or a $125 annual fee starting in year one. Cathleen's stories on design, travel and business have appeared in dozens of publications including the Washington Post, Town & Country, Wall Street Journal, Marie Claire, Fodors Travel, Departures and The Writer. About every two weeks, I get a solicitation from this business for a credit card. How Does the CFPBs Debt Collection Rule Affect You? Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. The Destiny Mastercard offers a $300 credit limit if you're approved, no deposit required. 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. If you have a low credit score, it can be challenging to qualify for a credit card. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. [and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. Eastern, or. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. They won't answer that question. However, the collections company typically collects on credit card debt according to many complainants. 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. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. Absolutely. Violates the concept of fair use and acknowledgement of services, Any further responses to this will cost a charge of $5000. BBB is here to help. Even though it's been less than 30 days. 300-670 (Bad to Fair) If you have any questions about this document or the Genesis Credit Account, please call Genesis FS Card Services at 1-866-502-6439. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. Make a payment with confidence knowing your account is protected with our fast and secure system. Indigo is a registered trademark of Genesis FS Card Services, Inc. 319 0 obj
<>
endobj
As a result, the company began offering credit cards for these types of consumers. Get Pre-Qualified today for the Milestone Mastercard Lemberg Law received an A+ rating from the BBB. 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. Please enter a valid phone number. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. And we pore over customer reviews to find out what matters to real people who already own and use the products and services were assessing. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. Genesis also offers Genesis credit, which extends second-look financing to consumers who don't qualify for prime lenders. The Genesis Credit belief is "no one should be turned away from financing based solely on a FICO score." Paperless Statements and more! If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Towed one time. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Who are we? Now wanting a late fee. This is not legal advice. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. 1994-2023 MasterCard. Genesis Financial Servicesoffers credit to the non-prime market, which is users who can't qualify for prime rates because of their credit history. She told me I need to submit new information in order to have the case reopened, encouraging me to send in a copy of my DL via fax. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? ZDNET independently tests and researches products to bring you our best recommendations and advice. The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. 0
Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Your credit cards journey is officially underway. You can sue a debt collector. MasterCard is an Equal Opportunity Employer. Increase non-taxable income or benefits included by 25%. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. Your annual fee will also depend on your credit profile and can be $35, $59 or $75 in the first year and $99 thereafter. we equip you to harness the power of disruptive innovation, at work and at home. Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. You'll be able to see which card, credit limit, and terms you qualify for without impacting your credit score. Bankrates editorial team writes on behalf of YOU the reader. endstream
endobj
320 0 obj
<>/Metadata 16 0 R/Pages 317 0 R/StructTreeRoot 34 0 R/Type/Catalog>>
endobj
321 0 obj
<>/MediaBox[0 0 612 792]/Parent 317 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>>
endobj
322 0 obj
<>stream
editorial integrity, 150.95.110.252 I want this closed w/out hurting my score. Worry free spending with $0 liability on unauthorized charges! editorial policy, so you can trust that our content is honest and accurate. Genesis FS Card Services has received a many complaints over its time in business. 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. Be wise, do not write off this collections company as a scam. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and 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 767 complaints closed in the last 12 months. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Your email address unlocks your approval odds. They kept me up to speed the whole way. 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. Our experts have been helping you master your money for over four decades. Well use this information to to verify your credit profile. Customer Service will not help me. \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! Learn the Law & Sue the Collector. 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. Time is Running Out, Motorola's handy Bluetooth device adds satellite messaging, Linux 6.2: The first mainstream Linux kernel for Apple M1 chips arrives, Sony's new headphones adopt WH-1000XM5 technology at a great price, The perfectly pointless $197 gadget that some people will love. Our goal is to give you the best advice to help you make smart personal finance decisions. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. You can absolutely sue. While we adhere to strict This card is terrible they charge you $12 a month for a service fee in addition to a $49 annual fee. $75 annual fee after the first year, $99 thereafter. For those approved for a $300 credit limit, there are several cardholder agreements. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. These statements cannot be true. 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. $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. Call 475-277-1600 NOW. . This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. I ordered the card thinking I'd get a $700 credit line that was a lie.Not only that, but upon receiving the card I'm automatically going into debt of $75 No pin number upon activation,that takes **** days No routing number for electronic funds transfer,none of which was explained before opening account. By providing my email address, I agree to CreditCards.coms When you buy through our links, we may earn a commission. Ashley Homes Stores has referred it to the legal attorneys but in the meantime I am being held responsible on my credit to pay them 3000 for items I never purchased nor did Ashley Home Store bill them. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. They know EXACTLY what the complaint is and that my identification was stolen regarding those cards. See the best credit card offers from Genesis FS Card Services below. This wont impact your credit score. All rights reserved. You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. Dont worry, we wont spam your inbox. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. We value your trust. Yes. 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! $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.