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The $500 credit limit comes with one of three cardholder agreements. I want this closed w/out hurting my score. Compared to a secured credit card, an unsecured credit card doesn't require collateral or a deposit into a savings account for approval. genesis fs card charge on bank statement The Destiny Mastercard offers a $300 credit limit if you're approved, no deposit required. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. 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. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. They have the records and they act like they don't. 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. Here's an explanation for how we make money 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). Genesis FS Card Services | Agruss Law Firm 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 They know exactly what and WHEN has happened. Given how slow the legal system is, they were lightening fast! The best starter credit card for no credit, 5 ways to improve your credit score without a credit card, Do Not Sell or Share My Personal Information, Can pre-qualify without affecting credit score, Separate monthly maintenance fee on certain cardholder agreements, Pre-qualifying will not affect credit score, Can be approved for up to $1,000 credit limit, May receive high first-year annual fee, reducing purchase power, Pre-qualifying won't affect your credit score, Terms are cumbersome with low credit limit. I'm told there is a temporary block on the account. There is no information currently available regarding the companys clientele and areas of expertise. The main difference is theres a chance you wont have to pay an annual fee. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. 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. In a letter dated 1/20/23, GFS now says after investigation we were unable to resolve this dispute in your favor for the following reasons: Merchant provided documentation to show your presence at the time of purchase," and "while applying for credit, Upon the opening of the account, your personal identification information was verified. If you have any questions about this document or the Genesis Credit Account, please call Genesis FS Card Services at 1-866-502-6439. Setup Autopay and ensure your payments are made on time every month. it was a everyday thing 2 to 4 calls a day. 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 to find out how we may be able to assist you with your case. With various cardholder agreements for each credit card, most consumers with bad or poor credit can qualify. There are several cardholder agreements you could qualify for with a $300 credit limit. If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. You'll be able to see which card, credit limit, and terms you qualify for without impacting your credit score. Read on to learn more about this company and what it offers. $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. 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. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. In case you dont qualify, the issuer may suggest card options from a partner bank. Extended warranty and price protection on purchases. Well use this information to to verify your credit profile. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. For that reason, if the lack of annual fees is a crucial factor for you, the Indigo Mastercard might not be the best choice. Additionally, the *** used to open the account is outdated. Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. 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. 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. 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. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." The action you just performed triggered the security solution. . 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%. 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. 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. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. Bankrates editorial team writes on behalf of YOU the reader. 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. 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. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. PDF Genesis Credit Account - Consumer Financial Protection Bureau Take our 3 minute quiz and match with an advisor today. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. 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. And haven't issued me a new card. Genesis FS Card Services has received a many complaints over its time in business. 2023 Bankrate, LLC. Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. 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! When your credit isnt in the best shape, many of the credit card options available to you may be secured cards, which require a security deposit at the time of application. Genesis FS Card ServicesGenesis FS Card Services is debt collector located in Beaverton,OR. More credit for your everyday needs; Show More With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. 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? Call us today to find out how we may be able to assist you with your case. When you have bad or poor credit, it can be challenging to get approved for an unsecured credit card. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . 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. They know EXACTLY what the complaint is and that my identification was stolen regarding those cards. The cards let consumers purchase products and services to meet everyday needs.. $35. You could qualify for a $300 credit limit with an annual and yearly recurring maintenance fee of $35 or $59. Lemberg Law received an A+ rating from the BBB. 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. 300-670 (Bad to Fair) Many of the card offers that appear on this site are from companies from which we receive compensation. Another option could be a $75 initial annual fee with a $99 annual fee each year after. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Best Of Genesis Financial Solutions Card Services - Bankrate Make a payment with confidence knowing your account is protected with our fast and secure system. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59. How much should you contribute to your 401(k)? . This happened after the death of my son. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. 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 Find out what Genesis FS credit cards and financial services has to offerand what you might qualify for. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. 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. A Red Ventures company. 1,670 total complaints in the last 3 years. At Bankrate we strive to help you make smarter financial decisions. Which certificate of deposit account is best? Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. Genesis is the nation's largest "second-look" merchant financing provider. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. %%EOF Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. $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. Absolutely. In the U.S. call 1.800.MasterCard (1.800.627.8372). They constantly are giving me the run-around. 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. ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. This wont impact your credit score. The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. Content published under this author byline is generated using automation technology. Its amazing what a ********************** business this company is. Genesis Financial Solutions is one of the companies that offer credit cards for customers with poor or limited credit. What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. I have tried numerous times to correct all of this. 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. 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. Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. 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. Accuracy, independence and authority remain as key principles of our editorial guidelines. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. [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.. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access In the meantime, you are welcome to call us right away at 855-301-2100. All Rights Reserved. The, Check engine on and kicking into high RPM. Everything you need is right here. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Setup AutoPay for even more Convenience At Bankrate, we take the accuracy of our content seriously. 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. Consumer Accounts - genesis-fs.com (Note, in a call on 1/31/23, ******** Service Supervisor ***** confirmed GFS received this affidavit). 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). Put $0 if you currently don't have a rent or mortgage payment. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. , which reports all federal complaints within the U.S. federal systems docket. You could be eligible for no annual or monthly maintenance fee with a 24.9% APR and 29.9% cash advance APR. Genesis Financial Solutions | Home - WELCOME TO GENESIS 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. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. However, all credit card information is presented without warranty. You have money questions. Keep an eye on your inboxwell be sending over your first message soon. I have sent them this info several times now. 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. . This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. All Rights Reserved. As a matter of policy, BBB does not endorse any product, service or business. 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. 2023Genesis FS Card Services Inc., All Rights Reserved. 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. The Destiny Mastercard is issued by First Electronic Bank . I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. There is no charge unless we win. We maintain a firewall between our advertisers and our editorial team. What are index funds and how do they work? View statements, enroll in paperless statements, pay your bill, update your contact information, and more! Customer Service will not help me. Paperless Statements and more! 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. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Setup Autopay and ensure your payments are made on time every month. However, the collections company typically collects on credit card debt according to many complainants. Well use the last four digits of your Social Security number to get your approval odds. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. In order to close account, charge of $75 annual fee still charged. This site does not include all credit card companies or all card offers available in the marketplace. CreditCards.com is an independent, advertising-supported comparison service. Federal Law allows you to protect your FDCPA rights in court via lawsuit. The offers that appear on this site are from companies from which CreditCards.com receives compensation. First, Electronic Bank issues the credit card. They have records and act like they don't. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Log in - Genesis FS Card Services Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. On the, 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). Avoid the worry of making payments with Autopay. 2023Genesis FS Card Services Inc., All Rights Reserved. Find out who they are, why they might be calling, and how you can stop them. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. I can have peace now. 374 0 obj <>stream Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 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. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. 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. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. 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. Theyre legit. Now wanting a late fee. Dont worry, we wont spam your inbox. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. 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. 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 post may contain references to products from our partners. Note that complaint text that is displayed might not represent all complaints filed with BBB. Who are we? Once you've decided which card fits your needs, apply for it. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. You may also get approved with a $75 initial annual fee and then $99 each year after. If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. First Electronic Bank This document applies to consumers who apply for a Genesis Credit Account. document.write(new Date().getFullYear()) Genesis Financial Solutions. Register . 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! February 18, 2023 @dameonwallace09 Verified Customer Was approved for a $700 credit line. Home Page - Indigo Platinum MasterCard Yes, we would love to help. Late payment and returned payment fees are also up to $40. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. . In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. 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. MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? 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. . In total you're paying $193 in fees just to have an account with them.