For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. 'ZDNET Recommends': What exactly does it mean? 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. 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. Accuracy, independence and authority remain as key principles of our editorial guidelines. They have the records and they act like they don't. Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. [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.. Well guide you through the process. Unlawful Debt Harassment? Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. 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. This allows you to see the terms you can expect before you apply. Genesis FS Card Services has received a many complaints over its time in business. Reasonable efforts are made to maintain accurate information. 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. About every two weeks, I get a solicitation from this business for a credit card. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. CreditCards.com credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. ebt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. I have a milestone credit card thru these guys. Z/t7{J S`4h``nL zUbQ =cCE@f0ix09b#}s1,f l/43BlwAC . 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. Find out what Genesis FS credit cards and financial services has to offerand what you might qualify for. Be wise, do not write off this collections company as a scam. I have sent them this info several times now. They kept me up to speed the whole way. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. More specifically, the collections company claims that their success is due to knowledge, experience, and skill in developing omnichannel financing solutions with flexible technology that best serve our merchant partnerships and non-prime consumers. Though this collection company promises to be a professional and reputable business, it is still possible that this collections company may still have violated the FDCPA. Misled by a collector? Home equity line of credit (HELOC) calculator. hb```@(0 This site does not include all credit card companies or all card offers available in the marketplace. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Theyre legit. Editorial integrity is central to every article we publish. 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. Call us today to find out how we may be able to assist you with your case. When you buy through our links, we may earn a commission. One of our staff members will call you shortly. I only want Genesis FS Card Services, *** to stop. You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. %@H2U``bd`qo0 A_ February 18, 2023 @dameonwallace09 Verified Customer Was approved for a $700 credit line. Terms apply to the offers listed on this page. Please call me Monday 8/15. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. If a debt collector has contacted you, make sure you understand your rights before taking action. Stop charging interest for nothing! Learn More GENESIS CREDIT Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Abused? Compare offers side by side and apply online for the credit card that is right for you. . View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. 1,670 total complaints in the last 3 years. 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. Our goal is to give you the best advice to help you make smart personal finance decisions. Yes, Genesis FS Card Services is legit. More credit for your everyday needs; Show More Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. This card also comes with a 29.9% APR with $75 initial annual fee and $99 annual fee each year after, or a $125 annual fee starting in year one. Compared to a secured credit card, an unsecured credit card doesn't require collateral or a deposit into a savings account for approval. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. The high costs aside, the card can still deliver on its promise to help build your credit with responsible use. Bankrate has answers. 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. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Call 475-277-1600 NOW. After the financial crisis of 2008, the group realized how much demand there was among consumers with low credit scores or limited credit history. 4 months ago I noticed some fraudulent charges on the account. . No more harassing calls from them bothersome credit card companies. Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. Indigo is a registered trademark of Genesis FS Card Services, Inc. . Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. Yes. Everything you need is right here. You have money questions. 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. This website is attorney advertising: prior results do not guarantee a similar outcome. H/9d.eJ?SL%~8-/hvQ@Y\F:} q5N .N E^u''\. 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). + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? The Good. endstream endobj startxref Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. 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. We maintain a firewall between our advertisers and our editorial team. Many of the card offers that appear on this site are from companies from which we receive compensation. 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. 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. Their reviews hold us accountable for publishing high-quality and trustworthy content. This collection company may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. They know EXACTLY what the complaint is and that my identification was stolen regarding those cards. *May also include monthly maintenance fees. I want this closed w/out hurting my score. Violates the concept of fair use and acknowledgement of services, Any further responses to this will cost a charge of $5000. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. Thank you for all your help., INCREDIBLE EXPERIENCE! There is little confirmation available from the collections company on who they specifically work with. 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! See details. 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. Take our 3 minute quiz and match with an advisor today. The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. Today, Genesis Financial Solutions provides three card options to help people in difficult credit circumstances get on their feet. Which certificate of deposit account is best? Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. The action you just performed triggered the security solution. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. I can have peace now. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. We value your trust. Get Free BBB A+ Attorney. These statements cannot be true. Our experts have been helping you master your money for over four decades. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. Many of the card offers that appear on this site are from companies from which we receive compensation. 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. Call our Helpline today! I m getting calls and dont have a card in hand, its been almost 3 years since I paid Gennis off and card expired and the started calling and I told them I had no card they failed to send. Find out who they are, why they might be calling, and how you can stop them. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Performance & security by Cloudflare. When you click on I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. 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. Whats your name? Paperless Statements and more! If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. The cards let consumers purchase products and services to meet everyday needs.. $35. The $500 credit limit comes with one of three cardholder agreements. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. Take a look at the link above to find out whether this collections company falls within this category. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . . 0 Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. Bankrate.com is an independent, advertising-supported publisher and comparison service. They won't answer that question. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. Read on to learn more about this company and what it offers. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Setup Autopay and ensure your payments are made on time every month. Note that complaint text that is displayed might not represent all complaints filed with BBB. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. They have records and act like they don't. 319 0 obj <> endobj 18 reviews of Genesis Financial Solutions "Genesis has had absolutely horrible customer service. First, Electronic Bank issues the credit card. Then, both cards have $700 limits and they allowed them to be run up to roughly $1500 on each card!! 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. And haven't issued me a new card. In this catch-22 situation, it may seem like your options are limited. 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. I have a few credit cards through this company. 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. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. However, all credit card information is presented without warranty. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. Once you've decided which card fits your needs, apply for it. 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. After being transferred 4 times, I was finally able to speak to *****, a customer service supervisor. 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 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. 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. Harassed? Multiple credit card perks. The thing is THEY HAVE ALL OF THE **** in their records. Take a look at the link above to find out whether this collections company falls within this category. Sound off and share your experience with other visitors in the comment box below. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Either card can be used in any Kay Jewelers store or on the retailer's website. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. Additionally, the *** used to open the account is outdated. . It is illegal to a debt collector to use empty threats to sue you or garnish your wages. EVERYTHING is a constant run-around with 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. Have you had a bad experience with this agencys debt collectors? The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. 767 complaints closed in the last 12 months. 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. 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.. editorial policy, so you can trust that our content is honest and accurate. 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.