What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. 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. Our goal is to give you the best advice to help you make smart personal finance decisions. 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. Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. Do you need one? 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. Sound off and share your experience with other visitors in the comment box below. 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. I only want Genesis FS Card Services, *** to stop. Accuracy, independence and authority remain as key principles of our editorial guidelines. We maintain a firewall between our advertisers and our editorial team. Take a look at the link above to find out whether this collections company falls within this category. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. Editorial integrity is central to every article we publish. 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. 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. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. Get a Mastercard accepted online, in store and in app. There is no information currently available regarding the companys clientele and areas of expertise. 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. The Milestone Gold Mastercard also comes with a $500 credit limit with various cardholder agreements. 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. 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. This wont impact your credit score. We look forward to working with you to resolve your legal issues. 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. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Everything you need is right here. 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. 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. There are many criteria used to choose these credit cards, including: If you don't find a Genesis FS credit card that is the right fit, you can also consider: What is the best Genesis Financial Solutions credit card? I wish I would have never opened this credit card. If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. Call us today to find out how we may be able to assist you with your case. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Register . ZDNET's editorial team writes on behalf of you, our reader. The firms main office is located at 43 Danbury Road, Wilton, Connecticut. . 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. they got it but keep denying it and it's on my bank statement. Note that complaint text that is displayed might not represent all complaints filed with BBB. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. Stop charging interest for nothing! Our Indigo Platinum Mastercard and Milestone Gold Mastercard allow consumers to obtain a credit card for purchasing the everyday products and services they need, while demonstrating responsible use of credit. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . Additionally, the *** used to open the account is outdated. Our experts have been helping you master your money for over four decades. Keep an eye on your inboxwell be sending over your first message soon. More informationClose We are an independent, advertising-supported comparison service. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. $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. As a matter of policy, BBB does not endorse any product, service or business. Genesis Financial Servicesoffers credit to the non-prime market, which is users who can't qualify for prime rates because of their credit history. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. BBB Business Profiles generally cover a three-year reporting period. 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. Genesis FS Card Services has received a many complaints over its time in business. Z/t7{J S`4h``nL zUbQ =cCE@f0ix09b#}s1,f l/43BlwAC . Unlawful Debt Harassment? 1,670 total complaints in the last 3 years. The $500 credit limit comes with one of three cardholder agreements. Genesis FS Card Services should be considered a legitimate business due to the companys years of experience. Genesis Financial Solutions, on the other hand, offers unsecured options, but all of them come with rather hefty annual fees. Either card can be used in any Kay Jewelers store or on the retailer's website. The Genesis Credit belief is "no one should be turned away from financing based solely on a FICO score." The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. Call 475-277-1600 NOW. 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. Theyre legit. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. Their reviews hold us accountable for publishing high-quality and trustworthy content. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. About every two weeks, I get a solicitation from this business for a credit card. Every time I contact them. International Association of Better Business Bureaus. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22. They know exactly what and WHEN has happened. 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. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. 'ZDNET Recommends': What exactly does it mean? Now wanting a late fee. February 18, 2023 @dameonwallace09 Verified Customer Was approved for a $700 credit line. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. 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. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. 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. 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. Pros & Cons of Milestone credit card. If a debt collector has contacted you, make sure you understand your rights before taking action. 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. 0 Call our Helpline today! Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Kay Jewelers offers two credit cards one issued by Comenity Bank and one issued by Genesis FS Card Services. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Keep billing me interest and finally attack my credit rating when the interest they illegally charge is. Paperless Statements and more! Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. Privacy Policy. Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. Have you had a bad experience with this agencys debt collectors? However, all credit card information is presented without warranty. 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. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. 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. 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. By providing my email address, I agree to CreditCards.coms For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Get a Mastercard accepted online, in store and in app. We value your trust. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. Misled by a collector? The Genesis FS Destiny Mastercard is ZDNet's top choice. Content published under this author byline is generated using automation technology. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. This site does not include all credit card companies or all card offers available in the marketplace. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Our editorial team does not receive direct compensation from our advertisers. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. If you see inaccuracies in our content, please report the mistake via this form. The offers that appear on this site are from companies from which CreditCards.com receives compensation. 319 0 obj <> endobj 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. One of these FRAUDULENT accounts was for an Ashley ********* purchase financed through Genesis FS (GFS) for $974.58, which I did not make or authorize. I am at the end of my rope with this company. 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. 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.. 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. 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. EVERYTHING is a constant run-around with them. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. I did not make the purchase. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. (Note, in a call on 1/31/23, ******** Service Supervisor ***** confirmed GFS received this affidavit). There is also a cardholder agreement with a 35.9% APR with a $75 initial annual fee and $49 each year after, plus a monthly maintenance fee of $8.25 per month billed after the first year, which totals $99 per year. Reasonable efforts are made What are index funds and how do they work? Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. 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. The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. You can sue a debt collector. Testing RFID blocking cards: Do they work? Take credit for your accomplishments. 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. Fortunately, there are credit cards on the market designed for people in these situations. 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. $0 cash advance fee during the first year. 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! They constantly are giving me the run-around. When you have bad or poor credit, it can be challenging to get approved for an unsecured credit card. 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. I have a milestone credit card thru these guys. Like the other Genesis Mastercards, the Milestone. Performance & security by Cloudflare. 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. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. Click to reveal 374 0 obj <>stream While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. I have a few credit cards through this company. 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. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Should you accept an early retirement offer? Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. . Genesis FS Card Services is a debt collector located in Beaverton,OR. Learn the Law & Sue the Collector. 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! + 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. Call us today. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. It is illegal to a debt collector to use empty threats to sue you or garnish your wages. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). Check the data at the top of this page and the bank's website for the most current information. \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! EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. A Red Ventures company. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Get credit for all of your hard work. Your credit cards journey is officially underway. Reasonable efforts are made to maintain accurate information. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. 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. Which certificate of deposit account is best? . 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. This website is using a security service to protect itself from online attacks. 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. Genesis FS uses Indigo and Milestone Mastercard to offer non-prime users credit cards. 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. The Destiny Mastercard is issued by First Electronic Bank . And only the fraud department can remove it and issue me a new card. Landmark Supreme Court Decision Made in Lemberg Laws Facebook Robocalling Suit, Lemberg Law Wins Class Certification in Robocall Case. The company has been operating for 20 years in the consumer financial services industry and is the largest non-prime servicing financier in the U.S. for merchants. The Destiny Mastercard offers a $300 credit limit if you're approved, no deposit required. 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. Note, however, that once you apply, a hard inquiry will appear on your credit report. I am not comfortable doing this as fax is an insecure form of communication, nor am I willing to spend money to send a copy of my DL via ***** GFS already has sufficient information to mark this account as fraudulent and close the account. 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). 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 Eastern, or. The Milestone Gold and Indigo Genesis FS credit cards come with more favorable terms, such as lower APRs and fees, and a credit limit of up to $1,000 for those who qualify. The offers that appear on this site are from companies from which CreditCards.com receives compensation. They know exactly what is going on here and what the issues have been. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. . We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. The Fair Debt Collection Practices Act prohibits this action. You could qualify for a $300 credit limit with an annual and yearly recurring maintenance fee of $35 or $59. 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. Neither ZDNET nor the author are compensated for these independent reviews. Federal Law allows you to protect your FDCPA rights in court via lawsuit. 767 complaints closed in the last 12 months. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. 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.. 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. Thank you for requesting your free case evaluation. 2019 f250 just hit 70,000 miles so I cant lemon law it. Many of the card offers that appear on this site are from companies from which we receive compensation. 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. All rights reserved. Thank you for all your help., INCREDIBLE EXPERIENCE! Abused? endstream endobj startxref Multiple credit card perks. Milestone is a registered trademark of Genesis FS Card Services, Inc. Get Pre-Qualified today for the Milestone Mastercard . 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. The high costs aside, the card can still deliver on its promise to help build your credit with responsible use.
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