This allows you to see the terms you can expect before you apply. There is little confirmation available from the collections company on who they specifically work with. 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.. Credit Cards Reporter and Young Credit Analyst, Connect with Cathleen McCarthy on Twitter, Connect with Cathleen McCarthy on LinkedIn. 1,670 total complaints in the last 3 years. Now wanting a late fee. International Association of Better Business Bureaus. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Genesis FS Card Services' Address, Phone Number, and Contact Information Genesis Financial Solutions is located at 15220 NW Greenbrier Parkway, Suite 200, Beaverton, OR 97006-5762. 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. Genesis FS Card Services does not cite who they specifically collect for on their website. If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. 319 0 obj <> endobj They know exactly what is going on here and what the issues have been. 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. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. . 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. 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. Either card can be used in any Kay Jewelers store or on the retailer's website. Learn the Law & Sue the Collector. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. More informationClose Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. 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. Which certificate of deposit account is best? Reasonable efforts are made They know exactly what and WHEN has happened. They have records and act like they don't. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. You could be eligible for no annual or monthly maintenance fee with a 24.9% APR and 29.9% cash advance APR. The Destiny Mastercard is issued by First Electronic Bank . View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. 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. Lemberg Law received an A+ rating from the BBB. 'ZDNET Recommends': What exactly does it mean? This card comes with an annual fee of $175 for the first year and $49 each year after, plus a $150 annual fee billed monthly at $12.50 per month. . 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. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Eastern, or. Write a comment below to share online. BBB Business Profiles are subject to change at any time. I did not make the purchase. 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. 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. 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. In total you're paying $193 in fees just to have an account with them. Absolutely. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. 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%. The Genesis Credit belief is "no one should be turned away from financing based solely on a FICO score." 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. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). 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. Offers auto rental collision damage waiver. Well guide you through the process. Avoid the worry of making payments with Autopay. 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. Call us today to find out how we may be able to assist you with your case. He has been repeatedly recognized as the most active consumer attorney in the country. You could qualify for a $300 credit limit with an annual and yearly recurring maintenance fee of $35 or $59. The high costs aside, the card can still deliver on its promise to help build your credit with responsible use. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. Well use this information to to verify your credit profile. Timing chain failure, crankshaft and oil leaking in pistons. 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. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. For that reason, if the lack of annual fees is a crucial factor for you, the Indigo Mastercard might not be the best choice. We value your trust. We look forward to working with you to resolve your legal issues. they stick together and read notes to keep saying the same thing, so I contact my bank for the other $200, and they go to my milestone card and reverse payment from there and add . If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. Who are we? The offers that appear on this site are from companies from which CreditCards.com receives compensation. . Home equity line of credit (HELOC) calculator. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. I have a few credit cards through this company. This happened after the death of my son. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Milestone is a registered trademark of Genesis FS Card Services, Inc. Put $0 if you currently don't have a rent or mortgage payment. hb```@(0 18 reviews of Genesis Financial Solutions "Genesis has had absolutely horrible customer service. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Get a Mastercard accepted online, in store and in app. 767 complaints closed in the last 12 months. Editorial integrity is central to every article we publish. 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! Setup Autopay and ensure your payments are made on time every month. The $500 credit limit comes with one of three cardholder agreements. 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. Thank you for requesting your free case evaluation. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. If you have a low credit score, it can be challenging to qualify for a credit card. CreditCards.com is an independent, advertising-supported comparison service. If you see inaccuracies in our content, please report the mistake via this form. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. 1 836-9633. Milestone Card reports to all three credit bureaus, No security deposit required so you can keep more money in your pocket, Pre-qualify without impacting your credit score, Shine brighter with a credit card as unique as you, Get access to a credit card you can use online, in store and in app where ever you see the Mastercard logo. The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. Setup AutoPay for even more Convenience In case you dont qualify, the issuer may suggest card options from a partner bank. At Bankrate we strive to help you make smarter financial decisions. Learn More GENESIS CREDIT 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. Take a look at the link above to find out whether this collections company falls within this category. Extended warranty and price protection on purchases. Whats your name? . Every time I contact them. Our editorial team does not receive direct compensation from our advertisers. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Note that complaint text that is displayed might not represent all complaints filed with BBB. More credit for your everyday needs; Show More You have money questions. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. Also: 5 ways to improve your credit score without a credit card. For those approved for a $300 credit limit, there are several cardholder agreements. $0 cash advance fee during the first year. 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. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. No more harassing calls from them bothersome credit card companies. Get credit for all of your hard work. 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. I have been on the phone numerous times with them. 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. This collection company may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. 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. Setup AutoPay for even more Convenience Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. 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. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. Yes. 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. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Genesis Financial Servicesoffers credit to the non-prime market, which is users who can't qualify for prime rates because of their credit history. MasterCard is an Equal Opportunity Employer. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Read on to learn more about this company and what it offers. 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). ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. Everything you need is right here. Please enter a valid phone number. Call us today. , which reports all federal complaints within the U.S. federal systems docket. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. Another option could be a $75 initial annual fee with a $99 annual fee each year after. Genesis FS Card Services has received a many complaints over its time in business. 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. 2023Genesis FS Card Services Inc., All Rights Reserved. (Note, in a call on 1/31/23, ******** Service Supervisor ***** confirmed GFS received this affidavit). 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.. 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. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. Performance & security by Cloudflare. 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. I have tried numerous times to correct all of this. 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. 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. 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. Its amazing what a ********************** business this company is. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. 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. Well use the last four digits of your Social Security number to get your approval odds. Genesis FS Card Services | PO Box 4477 Beaverton, OR | 97076-4477 Our toll-free customer service number: 1-800-353-5920 Where should I send my Indigo Mastercard payment? Take a look at the link above to find out whether this collections company falls within this category. Worry free spending with $0 liability on unauthorized charges! This website is using a security service to protect itself from online attacks. Their reviews hold us accountable for publishing high-quality and trustworthy content. They know EXACTLY what the complaint is and that my identification was stolen regarding those cards. Member FDIC, We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Federal Law allows you to protect your FDCPA rights in court via lawsuit. This is not legal advice. 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. Like the other Genesis Mastercards, the Milestone. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490.

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