In case you dont qualify, the issuer may suggest card options from a partner bank. Violates the concept of fair use and acknowledgement of services, Any further responses to this will cost a charge of $5000. Milestone is a registered trademark of Genesis FS Card Services, Inc. document.write(new Date().getFullYear()) Genesis Financial Solutions. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? Thank you for all your help., INCREDIBLE EXPERIENCE! 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. Take credit for your accomplishments. Copyright 2023 CreditCards.com a Red Ventures Company. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Your author Whats your name? Put $0 if you currently don't have a rent or mortgage payment. Be wise, do not write off this collections company as a scam. Please enter a valid email adress, Your phone Whats your phone number? BBB Business Profiles may not be reproduced for sales or promotional purposes. Disgustingly 4-6 emails daily, Spam phish credit card email trying to steal personal information, We made only 2 orders on the *** website the dates are order # 1 Nov 25,2022 $1,045.54 Order # 2 Nov 28,2022 $365.06 6 items in each order We returned the following 4 items in the store with the manager at ********* Bronx ** on dec 3,2022 1)Black bracelet item #********* $59.99(we returned it because it was the wrong item)2) praying hands charm item #*********(returned to small)3)letter o charm item #********* (Returned to small)4)men wedding band black and white diamond ring item #********* (Returned to small)We then received a couple of days later the correct black bracelet item #********* So total of 3 items were returned to your company Total amount for 2 Orders without returns $1,045.54+$365.06=$1,410.60 Total statement should be after returns we made is $957.01 which your company received the returned items on dec 3,2023 Jan and Feb statement from *** credit card company is $1,380.54 as you can see from the attachment And the statement should be $957.01 not ($1380.54)This has been going on for 2 long months and hours and hours on the phone with so many different reps we will not pay for items that were already returned we are being overcharge in the amount of $423.86 and charged a late fee of $40I hope this is the final step to solving this problem in a timely manner. Genesis FS Card ServicesGenesis FS Card Services is debt collector located in Beaverton,OR. Please call me Monday 8/15. *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. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. 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. we equip you to harness the power of disruptive innovation, at work and at home. 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 Bad. In the U.S. call 1.800.MasterCard (1.800.627.8372). They settled my case so fast. 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. As a result, the company began offering credit cards for these types of consumers. Everything you need is right here. BBB Business Profiles generally cover a three-year reporting period. 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. Everything you need is right here. 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. Federal Law allows you to protect your FDCPA rights in court via lawsuit. If you see inaccuracies in our content, please report the mistake via this form. The, Check engine on and kicking into high RPM. Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. About every two weeks, I get a solicitation from this business for a credit card. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. 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. What are index funds and how do they work? 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. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access They know exactly what and WHEN has happened. Genesis FS Card Services does not cite who they specifically collect for on their website. The thing is THEY HAVE ALL OF THE **** in their records. This wont impact your credit score. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. One of our staff members will call you shortly. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. 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. There is no information currently available regarding the companys clientele and areas of expertise. 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. 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. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. They won't answer that question. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. Call us today to find out how we may be able to assist you with your case. However, all credit card information is presented without warranty. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Whats your name? There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." 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. 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. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The Destiny Mastercard offers a $300 credit limit if you're approved, no deposit required. Harassed? Write a comment below to share online. , which reports all federal complaints within the U.S. federal systems docket. 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. 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. The best Genesis FS credit card is the Genesis FS Destiny Mastercard. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Register . Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. . 767 complaints closed in the last 12 months. ZDNET's editorial team writes on behalf of you, our reader. 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 $75 No pin number upon activation,that takes **** days No routing number for electronic funds transfer,none of which was explained before opening account. 1 836-9633. Other than an address for a website that lets you do nothing other than apply for their worthless credit card, the solicitations have no contact information, no email address and no phone number with which to contact anyone to demand they cease and desist. Genesis FS uses Indigo and Milestone Mastercard to offer non-prime users credit cards. Accuracy, independence and authority remain as key principles of our editorial guidelines. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. How is this company allowed to continue to operate?? The offers that appear on this site are from companies from which CreditCards.com receives compensation. There is little confirmation available from the collections company on who they specifically work with. Still, considering the high cash advance APR (29.9 percent) that kicks in immediately when you borrow cash against your credit line, youll want to avoid use this feature sparingly. It appears as though there are a variety of different complaints against this collections company alleging violations of the Fair Debt Collection Practices Act (FDCPA). The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. 319 0 obj <> endobj The action you just performed triggered the security solution. After filing a complaint with the card company they canceled my card. Call our Helpline today! Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. hbbd```b``V 5 id`u"YHF 05Xv"X0yLn"$ View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Every time I contact them. Editorial integrity is central to every article we publish. , and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Contact . hb```@(0 At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Best Genesis FS credit card overall (and for those with bad credit), These Experts Are Racing to Protect AI From Hackers. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. 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. You could also be approved for a card with an initial annual fee of $125 and $49 each year after, plus a monthly fee of $10.40 after the first year, which amounts to $124.80 annually. Now wanting a late fee. . 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. This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. The Milestone Gold Mastercard also comes with a $500 credit limit with various cardholder agreements. Many of the card offers that appear on this site are from companies from which we receive compensation. Compare offers side by side and apply online for the credit card that is right for you. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. All Rights Reserved. In the meantime, you are welcome to call us right away at 855-301-2100. Today, Genesis Financial Solutions provides three card options to help people in difficult credit circumstances get on their feet. . 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. Genesis Financial Solutions, on the other hand, offers unsecured options, but all of them come with rather hefty annual fees. Performance & security by Cloudflare. Even though it's been less than 30 days. As a subprime or non-prime consumer, you can qualify for a Genesis FS credit card with a credit score below 669 to help you build your credit to a prime level. February 18, 2023 @dameonwallace09 Verified Customer Was approved for a $700 credit line. Bankrate has answers. 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. Your IP: Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. All Rights Reserved. Towed one time. 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. 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. 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. Celtic Bank issues the Genesis FS Indigo Mastercard. editorial integrity, 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. You can be approved for a $300 - $1,000 credit limit with the Indigo Mastercard, and some consumers may qualify for no monthly fee and low APR. $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. Learn More GENESIS CREDIT I have a milestone credit card thru these guys. 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. All rights reserved. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. . Get Free BBB A+ Attorney. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Or, instead you can send a secure message to our legal team. I only want Genesis FS Card Services, *** to stop. 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. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. If you have any questions about this document or the Genesis Credit Account, please call Genesis FS Card Services at 1-866-502-6439. Yes, we would love to help.
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