2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . 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). While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. 2023Genesis FS Card Services Inc., All Rights Reserved. Also: 5 ways to improve your credit score without a credit card. Genesis FS Card Services has received a many complaints over its time in business. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. BBB Business Profiles are provided solely to assist you in exercising your own best judgment.
We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. If you see inaccuracies in our content, please report the mistake via this form. Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. 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. 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. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. Offers auto rental collision damage waiver. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. Bankrates editorial team writes on behalf of YOU the reader. Those who have fallen victim to excessive, threatening, misleading or otherwise untimely calls from a third party debt collector are entitled to compensation under The Fair Debt Collections Practices Act (FDCPA). This collection company may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. 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.. If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. hbbd```b``V 5 id`u"YHF
05Xv"X0yLn"$ Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. 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. I have tried numerous times to correct all of this. %@H2U``bd`qo0 A_
Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. 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. . 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. Yes. 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. I did not make the purchase. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. 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. Our editorial team does not receive direct compensation from our advertisers. Here are the best offers for Genesis FS Card Services credit cards. Setup AutoPay for even more Convenience If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. The Milestone Gold 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 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. Pros & Cons of Milestone credit card. Lemberg Law received an A+ rating from the BBB. Our experts have been helping you master your money for over four decades. Once you've decided which card fits your needs, apply for it. 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. 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. These statements cannot be true. I am receiving multiple calls a day at work to my work number. 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. Kay Jewelers offers two credit cards one issued by Comenity Bank and one issued by Genesis FS Card Services. Learn More GENESIS CREDIT Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. 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. 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. 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. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Genesis Financial Solutions was founded in 2001 by a group of financial services experts. I wish I would have never opened this credit card. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. Please call me Monday 8/15. This wont impact your credit score. (Note, in a call on 1/31/23, ******** Service Supervisor ***** confirmed GFS received this affidavit). Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. Check the data at the top of this page and the bank's website for the most current information. In that regard, the solicitations only have a contact for the national opt out for pre-screening of credit offers, owned and operated by the big three credit reporting bureaus. Credit Cards Reporter and Young Credit Analyst, Connect with Cathleen McCarthy on Twitter, Connect with Cathleen McCarthy on LinkedIn. Their focus at first was on consumer loans. 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. What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. . Compare offers side by side and apply online for the credit card that is right for you. 1994-2023 MasterCard. Accounts with Merchants Not Specified Below It is illegal to a debt collector to use empty threats to sue you or garnish your wages. 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 site does not include all financial companies or all available financial offers. When you buy through our links, we may earn a commission. Their reviews hold us accountable for publishing high-quality and trustworthy content. 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. Submitting a response indicates a willingness to work with customers to make things right. 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. Get a Mastercard accepted online, in store and in app. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. We will not be taken advantage of next step small claims Court because your bank are scamming people Only items that we have from *** Order #************** Nov 25,2022 1)Black chain item #********* $139.99 2)Black bracelet item #********* $59.99 3)Cross and chain item #********* $53.99 4)Bracelet item #********* $49.99 Order #************** Nov 28,2022 1) bracelet item #********* $179.61 2)ring item #********* $209.99 3) bracelet item #********* $125.99 4) bracelet item #********* $104.99 5)ring item #********* $69.99 Total of 9 remaining items and these are the only items we should be charged for and the only items we will pay for total $957.01. $75 annual fee after the first year, $99 thereafter. 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. Fortunately, there are credit cards on the market designed for people in these situations. Get credit for all of your hard work. to maintain accurate information. Timing chain failure, crankshaft and oil leaking in pistons. 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. You could also be approved for a card with an initial annual fee of $125 and $49 each year after, plus a monthly fee of $10.40 after the first year, which amounts to $124.80 annually. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. Get Free BBB A+ Attorney. . MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. 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). 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. 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. Theyre legit. $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. You may also get approved with a $75 initial annual fee and then $99 each year after. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 I have ALREADY filed complaints with Transunion among others. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. 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. 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. In total you're paying $193 in fees just to have an account with them. In this catch-22 situation, it may seem like your options are limited. Keep an eye on your inboxwell be sending over your first message soon. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Should you accept an early retirement offer? And only the fraud department can remove it and issue me a new card. Can I sue Genesis FS Card Services for Harassment? View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. 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. They know they closed off my access to these cards. 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. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. They know exactly what is going on here and what the issues have been. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. View statements, enroll in paperless statements, pay your bill, update your contact information, and more! There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. 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. I want this closed w/out hurting my score. The Fair Debt Collection Practices Act prohibits this action. 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. 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. Yes, we would love to help. 2023 ZDNET, A Red Ventures company. More credit for your everyday needs; Show More 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. Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. You'll be able to see which card, credit limit, and terms you qualify for without impacting your credit score. Genesis has placed fraudulent charges on a line of credit from a retailer, Ashley Furniture. 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. editorial integrity, Aja is the author of "How a Mother Should Talk About Money with Her Daughter.". After filing a complaint with the card company they canceled my card. How much should you contribute to your 401(k)? ZDNET independently tests and researches products to bring you our best recommendations and advice. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. In order to close account, charge of $75 annual fee still charged. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. There are several cardholder agreements you could qualify for with a $300 credit limit. There is no charge unless we win. BBB Business Profiles generally cover a three-year reporting period. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. The high costs aside, the card can still deliver on its promise to help build your credit with responsible use. 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. 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. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. Take credit for your accomplishments. I am at the end of my rope with this company. EVERYTHING is a constant run-around with them. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Bankrate has answers. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 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. Home equity line of credit (HELOC) calculator. They know EXACTLY what the complaint is and that my identification was stolen regarding those cards. This happened after the death of my son. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. 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. However, the collections company typically collects on credit card debt according to many complainants. Sound off and share your experience with other visitors in the comment box below. Setup Autopay and ensure your payments are made on time every month. 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. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. Genesis also offers Genesis credit, which extends second-look financing to consumers who don't qualify for prime lenders. How Does the CFPBs Debt Collection Rule Affect You? %%EOF
More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. But we compared the three credit card options altogether for people with bad credit. You can absolutely sue. 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. Lets face it theres a lot of jargon and high-level talk in the credit card industry. We value your trust. Well use this information to to verify your credit profile. Everything you need is right here. Reasonable efforts are made to maintain accurate information. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. 18 reviews of Genesis Financial Solutions "Genesis has had absolutely horrible customer service. Member FDIC,
Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. 4 months ago I noticed some fraudulent charges on the account. 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. However, all credit card information is presented without warranty. 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. , which reports all federal complaints within the U.S. federal systems docket. We look forward to working with you to resolve your legal issues. 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. Harassed? . And they do it while incommunicado, from a position of concealment. Milestone is a registered trademark of Genesis FS Card Services, Inc. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. Please enter a valid email adress, Your phone Whats your phone number? 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. Have you had a bad experience with this agencys debt collectors? If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Yes, Genesis FS Card Services is legit. Like the other Genesis Mastercards, the Milestone. Setup AutoPay for even more Convenience Paperless Statements and more! If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. 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. *May also include monthly maintenance fees. Get Pre-Qualified today for the Milestone Mastercard Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Privacy Policy. 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. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. 0
He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. Genesis is the nation's largest "second-look" merchant financing provider. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. This card is terrible they charge you $12 a month for a service fee in addition to a $49 annual fee. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. 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. 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. After being transferred 4 times, I was finally able to speak to *****, a customer service supervisor. Genesis FS Card ServicesGenesis FS Card Services is debt collector located in Beaverton,OR. Editorial integrity is central to every article we publish. we equip you to harness the power of disruptive innovation, at work and at home. Get a Mastercard accepted online, in store and in app. 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. This step in the collections process is crucial because due to the outsourcing of debt, one collection account can turn into many reporting on your credit file if the debt is not properly dealt with. Since Genesis Financial Solutions designs its products for subprime and non-prime consumers (those with credit scores under 669), theres a good chance you can qualify no matter what your credit situation is. Compared to a secured credit card, an unsecured credit card doesn't require collateral or a deposit into a savings account for approval. For that reason, if the lack of annual fees is a crucial factor for you, the Indigo Mastercard might not be the best choice. The Indigo Platinum Mastercard is issued by Celtic Bank, a Utah-Chartered Industrial Bank,
In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook.
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