When you apply, you will be instructed by a representative of the retailer to take a copy of this document. Even though it's been less than 30 days. 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 can have peace now. If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. to maintain accurate information. %@H2U``bd`qo0 A_
Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. I'm told there is a temporary block on the account. 'ZDNET Recommends': What exactly does it mean? Editorial integrity is central to every article we publish. 2023 ZDNET, A Red Ventures company. 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. 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. Compare offers side by side and apply online for the credit card that is right for you. Free Help for Genesis FS Card Services Harassment Victims - Lemberg Law $75 annual fee after the first year, $99 thereafter. However, all credit card information is presented without warranty. endstream
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The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Bankrate has answers. 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. Complaints for Genesis FS Card Services, Inc. - Better Business Bureau Avoid the worry of making payments with Autopay. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. 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. 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! 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. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. The Bad. ZDNET independently tests and researches products to bring you our best recommendations and advice. More credit for your everyday needs; Show More This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. 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. Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. Many of the card offers that appear on this site are from companies from which we receive compensation. Get Free BBB A+ Attorney. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. It is illegal to a debt collector to use empty threats to sue you or garnish your wages. Another option could be a $75 initial annual fee with a $99 annual fee each year after. Check the data at the top of this page and the bank's website for the most current information. One of these FRAUDULENT accounts was for an Ashley ********* purchase financed through Genesis FS (GFS) for $974.58, which I did not make or authorize. 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. And only the fraud department can remove it and issue me a new card. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. In case you dont qualify, the issuer may suggest card options from a partner bank. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Our editorial team does not receive direct compensation from our advertisers. The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. I am at the end of my rope with this company. Take credit for your accomplishments. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. Genesis FS Card Services is a debt collector located in Beaverton,OR. $0 cash advance fee during the first year. Take a look at the link above to find out whether this collections company falls within this category. A $500 credit limit may also come with a $125 first year annual fee and $49 due each year after, plus a monthly fee of $10.40 billed per month for maintenance, totaling $124.80 per year. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. You'll be able to see which card, credit limit, and terms you qualify for without impacting your credit score. Dont worry, we wont spam your inbox. Write a comment below to share online. The Destiny Mastercard is issued by First Electronic Bank . If you apply for a credit card, the lender may use a different credit score when considering your application for credit. 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. Member FDIC,
2023 Bankrate, LLC. Celtic Bank issues the Genesis FS Indigo Mastercard. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. Genesis Financial Solutions, on the other hand, offers unsecured options, but all of them come with rather hefty annual fees. Learn More GENESIS CREDIT 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. What are index funds and how do they work? How much should you contribute to your 401(k)? 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. Were sorry, but something went wrong and we couldnt find your approval odds. Check back here for Security Notices and other important information. 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. In this catch-22 situation, it may seem like your options are limited. If the charge on your bank statement stems from a debit or credit card.. following the other instructions on the monthly statement to Genesis FS Card Services, P. Make sure you pay at least the monthly minimum payment each month by your payment due date.. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. 1,670 total complaints in the last 3 years. 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. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Get a Mastercard accepted online, in store and in app. Their reviews hold us accountable for publishing high-quality and trustworthy content. 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. We maintain a firewall between our advertisers and our editorial team. I only want Genesis FS Card Services, *** to stop. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. After filing a complaint with the card company they canceled my card. 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. Everything you need is right here. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. Its amazing what a ********************** business this company is. Who are we? Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. We contacted Lemberg about being harassed by a rude debt collector, and within weeks we got a settlement check. 339 0 obj
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Accounts with Merchants Not Specified Below They settled my case so fast. BBB is here to help. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." They know exactly what and WHEN has happened. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. I wish I would have never opened this credit card. For that reason, if the lack of annual fees is a crucial factor for you, the Indigo Mastercard might not be the best choice. Genesis also offers Genesis credit, which extends second-look financing to consumers who don't qualify for prime lenders. Increase non-taxable income or benefits included by 25%. 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. Yes, we would love to help. 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. *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. 0
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CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 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. The Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc. (NMLS #1549514)
Then, both cards have $700 limits and they allowed them to be run up to roughly $1500 on each card!! They know EXACTLY what the complaint is and that my identification was stolen regarding those cards. Theyre legit. One of our staff members will call you shortly. 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. Customer Service will not help me. Content published under this author byline is generated using automation technology. 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. View statements, enroll in paperless statements, pay your bill, update your contact information, and more! Or, instead you can send a secure message to our legal team. 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 post may contain references to products from our partners. 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. But we compared the three credit card options altogether for people with bad credit. Pros & Cons of Milestone credit card. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. More informationClose More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. 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. Please enter a valid email adress, Your phone Whats your phone number? We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 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. 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. First, Electronic Bank issues the credit card. 2023Genesis FS Card Services Inc., All Rights Reserved. See details. You can absolutely sue. I have tried numerous times to correct all of this. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Worry free spending with $0 liability on unauthorized charges! If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. 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. 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. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Milestone Mastercard Reviews: Is It Any Good? (2023) | SuperMoney 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. How To Make a Kay Jewelers Credit Card Payment Genesis FS Card Services has received a many complaints over its time in business. 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. If you have any questions about this document or the Genesis Credit Account, please call Genesis FS Card Services at 1-866-502-6439. Whats your name? A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. 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. You can sue a debt collector. Apply and Get a Quick Decision for the Indigo Card Get a Mastercard accepted online, in store and in app. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. 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. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22.