Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. The, Check engine on and kicking into high RPM. Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Indigo Platinum Mastercard is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Z/t7{J S`4h``nL zUbQ =cCE@f0ix09b#}s1,f l/43BlwAC . Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. 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. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. ebt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. At Bankrate we strive to help you make smarter financial decisions. 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 content created by our editorial staff is objective, factual, and not influenced by our advertisers. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. If a debt collector has contacted you, make sure you understand your rights before taking action. 14600 Greenbrier Parkway, Beaverton, OR 97006. 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. Call us today. They know exactly what and WHEN has happened. Setup Autopay and ensure your payments are made on time every month. Here are the best offers for Genesis FS Card Services credit cards. hb```@(0 Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . 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. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. This site does not include all financial companies or all available financial offers. They have records and act like they don't. 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. Get a Mastercard accepted online, in store and in app. 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. The Milestone Gold Mastercard also comes with a $500 credit limit with various cardholder agreements. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. [and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. 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. Should you accept an early retirement offer? See the online credit card applications for details about the terms and conditions of an offer. 339 0 obj <>/Filter/FlateDecode/ID[<657F821A7DA778489D3EBA56E0CEA30E>]/Index[319 56]/Info 318 0 R/Length 107/Prev 423890/Root 320 0 R/Size 375/Type/XRef/W[1 3 1]>>stream editorial integrity, EVERYTHING is a constant run-around with them. I have sent them this info several times now. Gen says it is in a dispute status, but then placed it back into repayment status, charging interest. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Many of the card offers that appear on this site are from companies from which we receive compensation. 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. Offers auto rental collision damage waiver. 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. Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. Have you had a bad experience with this agencys debt collectors? 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. %@H2U``bd`qo0 A_ The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. 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. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59 annual fee, depending on the offer you qualify for. 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. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. 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. 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. Accuracy, independence and authority remain as key principles of our editorial guidelines. 300-670 (Bad to Fair) Harassed? Our experts have been helping you master your money for over four decades. Or, instead you can send a secure message to our legal team. 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 You can sue a debt collector. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. Violates the concept of fair use and acknowledgement of services, Any further responses to this will cost a charge of $5000. While we adhere to strict If you have a low credit score, it can be challenging to qualify for a credit card. Customer Service will not help me. They have the records and they act like they don't. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. Privacy Policy. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. Many of the card offers that appear on this site are from companies from which we receive compensation. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. 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. 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. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. I am at the end of my rope with this company. 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. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. They know exactly what is going on here and what the issues have been. 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. Your personal information and data are protected with 256-bit encryption. 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. Best Genesis FS credit card overall (and for those with bad credit), These Experts Are Racing to Protect AI From Hackers. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. 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. The cards let consumers purchase products and services to meet everyday needs.. $35. Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Your IP: . Towed one time. [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.. 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. 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. Well use the last four digits of your Social Security number to get your approval odds. Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. Whats your name? In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. Take credit for your accomplishments. However, it, Things You Can Do Yourself When You Have a Lemon, Background Check Errors Can Cost you a Job and So Much More, Tenant Data Services Screening Report Dispute False Info or Errors, How to dispute background check errors that cost you a job, A collector has called you in the early morning or late night, A debt collector attempts to collect more than you owe, A collection company threatened you with negative credit reporting, A debt collector attempts to intimidate you, A collector accused you of criminal conduct. In case you dont qualify, the issuer may suggest card options from a partner bank. Extended warranty and price protection on purchases. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. This website is attorney advertising: prior results do not guarantee a similar outcome. $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. Thank you for all your help., INCREDIBLE EXPERIENCE! 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. 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. 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. Aja is the author of "How a Mother Should Talk About Money with Her Daughter.". editorial policy, so you can trust that our content is honest and accurate. Our goal is to give you the best advice to help you make smart personal finance decisions. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Fortunately, there are credit cards on the market designed for people in these situations. No more harassing calls from them bothersome credit card companies. Also: 5 ways to improve your credit score without a credit card. . Avoid the worry of making payments with Autopay. BBB is here to help. The thing is THEY HAVE ALL OF THE **** in their records. Your email Whats your email address? You have money questions. In order to close account, charge of $75 annual fee still charged. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. 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.. Like the other Genesis Mastercards, the Milestone. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 This credit card also comes with an annual fee of $49 or $59 each year and either a 24.9% or 29.9% purchase APR with a 29.9% cash advance APR. Get Free BBB A+ Attorney. 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. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. The $300 credit limit also comes with a cardholder agreement for a $75 annual fee and $99 each year after, with either a 9.9%, 19.9%, 24.9%, or 29.9% APR. All Rights Reserved. By providing my email address, I agree to CreditCards.coms When you click on The Destiny Mastercard offers a $300 credit limit if you're approved, no deposit required. After being transferred 4 times, I was finally able to speak to *****, a customer service supervisor. MasterCard is an Equal Opportunity Employer. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. Genesis FS uses Indigo and Milestone Mastercard to offer non-prime users credit cards. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. You may also get approved with a $75 initial annual fee and then $99 each year after. Well guide you through the process. Call 475-277-1600 NOW. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. 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. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. 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. this post may contain references to products from our partners. How much should you contribute to your 401(k)? First, Electronic Bank issues the credit card. There is no charge unless we win. You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. 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). Content published under this author byline is generated using automation technology. Setup AutoPay for even more Convenience If you have any questions about this document or the Genesis Credit Account, please call Genesis FS Card Services at 1-866-502-6439. Our editorial team does not receive direct compensation from our advertisers. endstream endobj startxref View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. 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. ZDNET independently tests and researches products to bring you our best recommendations and advice. However, all credit card information is presented without warranty. Call our Helpline today! This wont impact your credit score. Genesis is the nation's largest "second-look" merchant financing provider. 19 Chevy trax with 31K on it has been having an issue with the transmission Module throwing a code. 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. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Well use this information to to verify your credit profile. The firms main office is located at 43 Danbury Road, Wilton, Connecticut. You'll be able to see which card, credit limit, and terms you qualify for without impacting your credit score. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. Dont worry, we wont spam your inbox. We are an independent, advertising-supported comparison service. Avoid the worry of making payments with Autopay. Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. Find out who they are, why they might be calling, and how you can stop them. Your email address unlocks your approval odds. We look forward to working with you to resolve your legal issues. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. However, all credit card information is presented without warranty. Then, both cards have $700 limits and they allowed them to be run up to roughly $1500 on each card!! Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Compare offers side by side and apply online for the credit card that is right for you. Put $0 if you currently don't have a rent or mortgage payment. This card is terrible they charge you $12 a month for a service fee in addition to a $49 annual fee. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. For those approved for a $300 credit limit, there are several cardholder agreements. 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! Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. . Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. 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 happened after the death of my son. 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. The high costs aside, the card can still deliver on its promise to help build your credit with responsible use. 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. This site does not include all credit card companies or all card offers available in the marketplace. Read more about the firm. $0 cash advance fee during the first year. Your author Whats your name? 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). I have a milestone credit card thru these guys. Milestone is a registered trademark of Genesis FS Card Services, Inc. I want this closed w/out hurting my score. Genesis FS Card Services has received a many complaints over its time in business. Absolutely. 150.95.110.252 He has been repeatedly recognized as the most active consumer attorney in the country. Who are we? Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. The $500 credit limit comes with one of three cardholder agreements. Accounts with Merchants Not Specified Below Federal Law allows you to protect your FDCPA rights in court via lawsuit. Note, however, that once you apply, a hard inquiry will appear on your credit report. 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. 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. It is illegal to a debt collector to use empty threats to sue you or garnish your wages. 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.