The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. 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. 300-670 (Bad to Fair) If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. 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. One of our staff members will call you shortly. Every time I contact them. You can absolutely sue. 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. There is little confirmation available from the collections company on who they specifically work with. They settled my case so fast. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. Genesis FS Card Services should be considered a legitimate business due to the companys years of experience. If the charge on your bank statement stems from a debit or credit card.. following the other instructions on the monthly statement to Genesis FS Card Services, P. Make sure you pay at least the monthly minimum payment each month by your payment due date.. Learn More GENESIS CREDIT Also: 5 ways to improve your credit score without a credit card. 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. 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 editorial team does not receive direct compensation from our advertisers. Editorial integrity is central to every article we publish. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. $75 annual fee after the first year, $99 thereafter. You may also get approved with a $75 initial annual fee and then $99 each year after. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. 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. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. This site does not include all financial companies or all available financial offers. Landmark Supreme Court Decision Made in Lemberg Laws Facebook Robocalling Suit, Lemberg Law Wins Class Certification in Robocall Case. 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! Our goal is to give you the best advice to help you make smart personal finance decisions. 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. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. 374 0 obj <>stream Other than an address for a website that lets you do nothing other than apply for their worthless credit card, the solicitations have no contact information, no email address and no phone number with which to contact anyone to demand they cease and desist. 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. They easily called Genesis and changed my info (address especially, will explain) to a ******* address and asked for new cards, which Genesis promptly did and sent them. Can I sue Genesis FS Card Services for Harassment? Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. Setup Autopay and ensure your payments are made on time every month. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. I wish I would have never opened this credit card. Gen says it is in a dispute status, but then placed it back into repayment status, charging interest. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. 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. Last four digits of your Social Security number, Do Not Sell or Share My Personal Information, Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. 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. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. 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. In the meantime, you are welcome to call us right away at 855-301-2100. hb```@(0 I want this closed w/out hurting my score. The cards let consumers purchase products and services to meet everyday needs.. $35. This website is using a security service to protect itself from online attacks. What are index funds and how do they work? Even though it's been less than 30 days. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. Put $0 if you currently don't have a rent or mortgage payment. Your IP: Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. Your personal information and data are protected with 256-bit encryption. . 19 Chevy trax with 31K on it has been having an issue with the transmission Module throwing a code. Note, however, that once you apply, a hard inquiry will appear on your credit report. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. See the online credit card applications for details about the terms and conditions of an offer. They constantly are giving me the run-around. Genesis FS Card Services has received a many complaints over its time in business. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. At Bankrate, we take the accuracy of our content seriously. 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 am at the end of my rope with this company. Who are we? Accounts with Merchants Not Specified Below 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. Another option could be a $75 initial annual fee with a $99 annual fee each year after. Timing chain failure, crankshaft and oil leaking in pistons. Yes, Genesis FS Card Services is legit. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Get credit for all of your hard work. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Click to reveal Genesis Financial Solutions is one of the companies that offer credit cards for customers with poor or limited credit. Yes. 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. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . Find out what Genesis FS credit cards and financial services has to offerand what you might qualify for. 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. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. I have tried numerous times to correct all of this. The Bad. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Its an unsecured card that comes with a $300 credit limit if youre approved and charges up to $40 for going over your credit limit, up to $40 for returned payment and up to $40 for late payment. 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. 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! Towed one time. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. 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. Make a payment with confidence knowing your account is protected with our fast and secure system. Call 475-277-1600 NOW. I am receiving multiple calls a day at work to my work number. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. Has been meticulously serviced and maintained. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. they got it but keep denying it and it's on my bank statement. Here's an explanation for how we make money Read more about the firm. 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. 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. Call us today to find out how we may be able to assist you with your case. Then, both cards have $700 limits and they allowed them to be run up to roughly $1500 on each card!! As a subprime or non-prime consumer, you can qualify for a Genesis FS credit card with a credit score below 669 to help you build your credit to a prime level. By providing my email address, I agree to CreditCards.coms Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. In 2020, Tavant, a leader in the digital lending solutions industry, announced a partnership with Genesis to enhance the digital and mobile portal experience for customers using the most recent technology. I have a milestone credit card thru these guys. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. Take a look at the link above to find out whether this collections company falls within this category. 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. 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). 767 complaints closed in the last 12 months. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. 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 We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. After filing a complaint with the card company they canceled my card. Learn the Law & Sue the Collector. 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. Well guide you through the process. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Many of the card offers that appear on this site are from companies from which we receive compensation. In total you're paying $193 in fees just to have an account with them. More credit for your everyday needs; Show More 2023 Bankrate, LLC. You could be eligible for no annual or monthly maintenance fee with a 24.9% APR and 29.9% cash advance APR. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. If you have a low credit score, it can be challenging to qualify for a credit card. Whether you're looking to build credit as a new user or rebuild credit after a bankruptcy or string of delinquencies causing your score to drop, a Genesis FS credit card may be the solution for you. 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. February 18, 2023 @dameonwallace09 Verified Customer Was approved for a $700 credit line. This site does not include all credit card companies or all card offers available in the marketplace. They have records and act like they don't. Don't forget that the annual and monthly maintenance fees lower your available credit limit, so plan purchases accordingly so you don't get hit with an overlimit fee. . Milestone is a registered trademark of Genesis FS Card Services, Inc. We look forward to working with you to resolve your legal issues. 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. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. When you click on I have a few credit cards through this company. The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. The offers that appear on this site are from companies from which CreditCards.com receives compensation. 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. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. Content published under this author byline is generated using automation technology. The Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) BBB Business Profiles are subject to change at any time. Register . So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. You can sue a debt collector. MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? And they do it while incommunicado, from a position of concealment. editorial policy, so you can trust that our content is honest and accurate. Keep billing me interest and finally attack my credit rating when the interest they illegally charge is. Where is the purchase your charging interest for?The account is closed, we don't want anything from your company and have expressed this over the phone numerous times already. Testing RFID blocking cards: Do they work? See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. 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. 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. Theyre legit. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. BBB is here to help. 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. 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. 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. Genesis also offers Genesis credit, which extends second-look financing to consumers who don't qualify for prime lenders. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. However, all credit card information is presented without warranty. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. But it also depends on your credit score and financial history. 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. 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. First, Electronic Bank issues the credit card. Compared to a secured credit card, an unsecured credit card doesn't require collateral or a deposit into a savings account for approval. Avoid the worry of making payments with Autopay. If we have made an error or published misleading information, we will correct or clarify the article. Copyright 2023 CreditCards.com a Red Ventures Company. See details. But we compared the three credit card options altogether for people with bad credit. I contacted GFS on 12/27/22 to report the fraud to them, and they requested I complete and return an affidavit from www.identifytheft.gov to them within the next 20 days. . This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. 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. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Take our 3 minute quiz and match with an advisor today. Your annual fee will also depend on your credit profile and can be $35, $59 or $75 in the first year and $99 thereafter. International Association of Better Business Bureaus. 339 0 obj <>/Filter/FlateDecode/ID[<657F821A7DA778489D3EBA56E0CEA30E>]/Index[319 56]/Info 318 0 R/Length 107/Prev 423890/Root 320 0 R/Size 375/Type/XRef/W[1 3 1]>>stream [and] pride ourselves, 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.. Privacy Policy. Take a look at the link above to find out whether this collections company falls within this category. 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. It is illegal to a debt collector to use empty threats to sue you or garnish your wages. 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. Besides the terms these cards share, they also all offer free custom design options and a quick pre-qualification that doesnt impact your credit score. . How Does the CFPBs Debt Collection Rule Affect You? Aja is the author of "How a Mother Should Talk About Money with Her Daughter.". Note that complaint text that is displayed might not represent all complaints filed with BBB. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. This credit limit comes with either a $35 yearly annual fee or a $75 first year annual fee and $99 each year after with a 29.9% purchase and cash advance APR. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. %@H2U``bd`qo0 A_ Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. They know exactly what and WHEN has happened. 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. Genesis FS Card ServicesGenesis FS Card Services is debt collector located in Beaverton,OR. Make a payment with confidence knowing your account is protected with our fast and secure system. This is not legal advice. 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. Genesis created the Genesis Credit brand after the 2008 recession, when many saw their credit negatively impacted through no fault of their own, like job loss or health issues. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. 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. The Genesis Credit belief is "no one should be turned away from financing based solely on a FICO score." %PDF-1.5 % This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 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. (Note, in a call on 1/31/23, ******** Service Supervisor ***** confirmed GFS received this affidavit). Lemberg Law received an A+ rating from the BBB. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Thank you for all your help., INCREDIBLE EXPERIENCE! As a result, the company began offering credit cards for these types of consumers. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. 4 months ago I noticed some fraudulent charges on the account. A Red Ventures company. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. About every two weeks, I get a solicitation from this business for a credit card. In case you dont qualify, the issuer may suggest card options from a partner bank. Genesis Financial Solutions, on the other hand, offers unsecured options, but all of them come with rather hefty annual fees. Whats your name? The $300 credit limit also comes with a cardholder agreement for a $75 annual fee and $99 each year after, with either a 9.9%, 19.9%, 24.9%, or 29.9% APR. Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. Your author Whats your name? Offers auto rental collision damage waiver. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22. Extended warranty and price protection on purchases. Get Pre-Qualified today for the Milestone Mastercard They know EXACTLY what the complaint is and that my identification was stolen regarding those cards. They kept me up to speed the whole way. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? 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.