[and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. 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 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. Get credit for all of your hard work. Testing RFID blocking cards: Do they work? Our Indigo Platinum Mastercard and Milestone Gold Mastercard allow consumers to obtain a credit card for purchasing the everyday products and services they need, while demonstrating responsible use of credit. If you have any questions about this document or the Genesis Credit Account, please call Genesis FS Card Services at 1-866-502-6439. They kept me up to speed the whole way. Yes, Genesis FS Card Services is legit. document.write(new Date().getFullYear()) Genesis Financial Solutions. They constantly are giving me the run-around. In the meantime, you are welcome to call us right away at 855-301-2100. Well use this information to to verify your credit profile. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. 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. Make a payment with confidence knowing your account is protected with our fast and secure system. 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. GENESIS FINANCIAL SOLUTIONS - 18 Reviews - Yelp ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. Make a payment with confidence knowing your account is protected with our fast and secure system. 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. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. Genesis FS Card Services | Agruss Law Firm Reasonable efforts are made to maintain accurate information. I have been on the phone numerous times with them. Note that complaint text that is displayed might not represent all complaints filed with BBB. Bankrates editorial team writes on behalf of YOU the reader. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Like the other Genesis Mastercards, the Milestone. The Genesis FS Destiny Mastercard is ZDNet's top choice. Privacy Policy. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. 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. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. 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%. I did not make the purchase. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. 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. Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. 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. How To Make a Kay Jewelers Credit Card Payment The Destiny Mastercard comes with the lowest credit limit and highest APR and fee terms, so may be best suited for someone with bad credit. 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. Well guide you through the process. Abused? Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. This collection company may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. 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. Editorial integrity is central to every article we publish. February 18, 2023 @dameonwallace09 Verified Customer Was approved for a $700 credit line. Neither ZDNET nor the author are compensated for these independent reviews. it was a everyday thing 2 to 4 calls a day. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Free Help for Genesis FS Card Services Harassment Victims - Lemberg Law 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. At Bankrate, we take the accuracy of our content seriously. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. This site does not include all financial companies or all available financial offers. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. 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. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. Genesis also offers Genesis credit, which extends second-look financing to consumers who don't qualify for prime lenders. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). 1 836-9633. In total you're paying $193 in fees just to have an account with them. Find out what Genesis FS credit cards and financial services has to offerand what you might qualify for. Keep billing me interest and finally attack my credit rating when the interest they illegally charge is. The Milestone Gold Mastercard also comes with a $500 credit limit with various cardholder agreements. Get credit for all of your hard work. 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.. They have the records and they act like they don't. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. Avoid the worry of making payments with Autopay. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. Once you've decided which card fits your needs, apply for it. The 3 best Genesis FS credit cards of 2022 | ZDNET The, Check engine on and kicking into high RPM. 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. Multiple credit card perks. The offers that appear on this site are from companies from which CreditCards.com receives compensation. 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. Today, Genesis Financial Solutions provides three card options to help people in difficult credit circumstances get on their feet. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. Yes. Call our Helpline today! Member Alerts: There are no Member Alerts at this time. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. After being transferred 4 times, I was finally able to speak to *****, a customer service supervisor. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Worry free spending with $0 liability on unauthorized charges! 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. 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. More credit for your everyday needs; Show More Have you had a bad experience with this agencys debt collectors? they got it but keep denying it and it's on my bank statement. All rights reserved. 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. Get a Mastercard accepted online, in store and in app. This wont impact your credit score. 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. See details. At the same time, a new credit card can be essential to establishing good credit. 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. Home Page - Milestone Gold MasterCard This site does not include all credit card companies or all card offers available in the marketplace. She told me I need to submit new information in order to have the case reopened, encouraging me to send in a copy of my DL via fax. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. Compare offers side by side and apply online for the credit card that is right for you. Copyright 2023 CreditCards.com a Red Ventures Company. Check the data at the top of this page and the bank's website for the most current information. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Towed one time. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. About every two weeks, I get a solicitation from this business for a credit card. Many of the card offers that appear on this site are from companies from which we receive compensation. 1994-2023 MasterCard. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. 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 Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. This website is using a security service to protect itself from online attacks. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. I am at the end of my rope with this company. Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. ZDNET independently tests and researches products to bring you our best recommendations and advice. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. There is no charge unless we win. Genesis FS Card Services has received a many complaints over its time in business. Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. See the online credit card applications for details about the terms and conditions of an offer. While we adhere to strict 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. They settled my case so fast. Sound off and share your experience with other visitors in the comment box below. *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. Eastern, or. 2019 f250 just hit 70,000 miles so I cant lemon law it. This site does not include all credit card companies or all card offers available in the marketplace. 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. BBB Business Profiles may not be reproduced for sales or promotional purposes. 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. The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. Here's an explanation for how we make money This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Theyre legit. However, all credit card information is presented without warranty. 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 Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) Now wanting a late fee. Genesis FS Card Services has received a many complaints over its time in business. This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. I'm told there is a temporary block on the account. Member FDIC, As a matter of policy, BBB does not endorse any product, service or business. Yes, we would love to help. The action you just performed triggered the security solution. Who are we? Read more about the firm. The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. The cards let consumers purchase products and services to meet everyday needs.. $35. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. 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. Read on to learn more about this company and what it offers. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. . genesis fs card charge on bank statement The Fair Debt Collection Practices Act prohibits this action. I have tried numerous times to correct all of this. %%EOF 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. If you have a low credit score, it can be challenging to qualify for a credit card. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. 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. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. If a debt collector has contacted you, make sure you understand your rights before taking action. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. But it also depends on your credit score and financial history. 2023Genesis FS Card Services Inc., All Rights Reserved. When you have bad or poor credit, it can be challenging to get approved for an unsecured credit card. A Red Ventures company. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. Credit Cards Reporter and Young Credit Analyst, Connect with Cathleen McCarthy on Twitter, Connect with Cathleen McCarthy on LinkedIn. Fortunately, there are credit cards on the market designed for people in these situations. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. 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. 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. 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. 14600 Greenbrier Parkway, Beaverton, OR 97006. Apply and Get a Quick Decision for the Milestone Card 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. As a part of the second-look financing market, you don't need an excellent, or "prime" credit score to get approved for Genesis credit. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. editorial integrity, 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. Genesis Financial Solutions | Home - WELCOME TO GENESIS This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. The Destiny Mastercard is issued by First Electronic Bank . CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. And they do it while incommunicado, from a position of concealment. Harassed? Get a Mastercard accepted online, in store and in app. MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? Federal Law allows you to protect your FDCPA rights in court via lawsuit. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. Milestone is a registered trademark of Genesis FS Card Services, Inc. Well use the last four digits of your Social Security number to get your approval odds. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. We look forward to working with you to resolve your legal issues. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 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). After the financial crisis of 2008, the group realized how much demand there was among consumers with low credit scores or limited credit history. 18 reviews of Genesis Financial Solutions "Genesis has had absolutely horrible customer service. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Be wise, do not write off this collections company as a scam. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. 1,670 total complaints in the last 3 years. Which certificate of deposit account is best? Learn the Law & Sue the Collector. Offers auto rental collision damage waiver. There is no information currently available regarding the companys clientele and areas of expertise. Genesis Financial Servicesoffers credit to the non-prime market, which is users who can't qualify for prime rates because of their credit history. 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. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. 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. 2023Genesis FS Card Services Inc., All Rights Reserved. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. Has been meticulously serviced and maintained. 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. 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 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. There are several cardholder agreements you could qualify for with a $300 credit limit. In case you dont qualify, the issuer may suggest card options from a partner bank. As a result, the company began offering credit cards for these types of consumers. Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. They know they closed off my access to these cards. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. Your author Whats your name? Genesis Financial Solutions is one of the companies that offer credit cards for customers with poor or limited credit. ebt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Please enter a valid phone number. This card is terrible they charge you $12 a month for a service fee in addition to a $49 annual fee. 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. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59. The private-label credit programs offered through the Genesis Credit brand, allows merchants to provide financing solutions to customers who are turned down by primary lenders. 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.