BBB Business Profiles generally cover a three-year reporting period. 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%. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Call 475-277-1600 NOW. I have tried numerous times to correct all of this. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. 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. 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! Can I sue Genesis FS Card Services for Harassment? Then, both cards have $700 limits and they allowed them to be run up to roughly $1500 on each card!! 19 Chevy trax with 31K on it has been having an issue with the transmission Module throwing a code. The offers that appear on this site are from companies from which CreditCards.com receives compensation. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. Copyright 2023 CreditCards.com a Red Ventures Company. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. Genesis FS Card Services should be considered a legitimate business due to the companys years of experience. 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. Have you had a bad experience with this agencys debt collectors? For those approved for a $300 credit limit, there are several cardholder agreements. 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. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Learn More GENESIS CREDIT View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. We are Lemberg Law, a Consumer Law Firm. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. And haven't issued me a new card. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). Note that complaint text that is displayed might not represent all complaints filed with BBB. Extended warranty and price protection on purchases. Content published under this author byline is generated using automation technology. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. 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. We will not be taken advantage of next step small claims Court because your bank are scamming people Only items that we have from *** Order #************** Nov 25,2022 1)Black chain item #********* $139.99 2)Black bracelet item #********* $59.99 3)Cross and chain item #********* $53.99 4)Bracelet item #********* $49.99 Order #************** Nov 28,2022 1) bracelet item #********* $179.61 2)ring item #********* $209.99 3) bracelet item #********* $125.99 4) bracelet item #********* $104.99 5)ring item #********* $69.99 Total of 9 remaining items and these are the only items we should be charged for and the only items we will pay for total $957.01. Take a look at the link above to find out whether this collections company falls within this category. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. 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. Bankrate.com is an independent, advertising-supported publisher and comparison service. Call our Helpline today! 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. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Whats your name? The account information includes my maiden name and a phone number that hasnt been used in over a decade.During a call on 1/31/23, GFS first told me there was nothing else they could do since the case had been resolved in their system. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. You might qualify for a $59 annual fee with either a 24.9% or 29.9% APR and a 29.9% cash advance APR or a $125 annual fee with a 29.9% cash advance and purchase APR. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Make a payment with confidence knowing your account is protected with our fast and secure system. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. 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. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. endstream endobj startxref Dont worry, we wont spam your inbox. I want this closed w/out hurting my score. Increase non-taxable income or benefits included by 25%. They know they closed off my access to these cards. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. After filing a complaint with the card company they canceled my card. Our experts have been helping you master your money for over four decades. Get Free BBB A+ Attorney. 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. The firms main office is located at 43 Danbury Road, Wilton, Connecticut. 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. Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. 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. Privacy Policy. There is no charge unless we win. Late payment and returned payment fees are also up to $40. You have money questions. Everything you need is right here. . hb```@(0 Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. 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. I am receiving multiple calls a day at work to my work number. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. Reasonable efforts are made to maintain accurate information. I have been on the phone numerous times with them. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. Yes, we would love to help. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. , and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Contact . Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. 319 0 obj <> endobj You could qualify for a $300 credit limit with an annual and yearly recurring maintenance fee of $35 or $59. Your fee amounts and APR vary by the cardholder agreement you're approved for. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. When you buy through our links, we may earn a commission. BBB Business Profiles are subject to change at any time. 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. 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 Financial Solutions was founded in 2001 by a group of financial services experts. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. \D6bVcZXwx:>{5kfmuuxGv4+yt;86Satu>+MnJv0"}5::>9=;n'\S")FV^@^d4OcN0PpJJ/`+6!*q;oqgqxx %3IH r@MZcQOZUjx.m>%IFH;m) uMf)_n|?=T7h:X|&f2~2>6]uuvwy=K]l}]~V^Vmh=8 ki.CEQJsP6\b5Q38;`GS$5S`,a(]5`Fv XR! Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. 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. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Yes. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. 10/10 recommend this law firm So happy with our settlement!, Fantastic experience! The action you just performed triggered the security solution. Has been meticulously serviced and maintained. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. Neither ZDNET nor the author are compensated for these independent reviews. Genesis FS Card Services has received a many complaints over its time in business. Get a Mastercard accepted online, in store and in app. The, Check engine on and kicking into high RPM. Call us today. Your email address unlocks your approval odds. If you have a low credit score, it can be challenging to qualify for a credit card. As a matter of policy, BBB does not endorse any product, service or business. Aja is the author of "How a Mother Should Talk About Money with Her Daughter.". Register . This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Everything you need is right here. Accounts with Merchants Not Specified Below Accuracy, independence and authority remain as key principles of our editorial guidelines. , which reports all federal complaints within the U.S. federal systems docket. %@H2U``bd`qo0 A_ 1 836-9633. 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! 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. 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. First Electronic Bank This document applies to consumers who apply for a Genesis Credit Account. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. 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. Check the data at the top of this page and the bank's website for the most current information. 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. 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. Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. In total you're paying $193 in fees just to have an account with them. They settled my case so fast. The best Genesis FS credit card is the Genesis FS Destiny Mastercard. But it also depends on your credit score and financial history. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. 767 complaints closed in the last 12 months. 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. Which certificate of deposit account is best? If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. The information, including card rates and fees, presented in the review is accurate as of the date of the review. February 18, 2023 @dameonwallace09 Verified Customer Was approved for a $700 credit line. Customer Service will not help me. Lemberg Law received an A+ rating from the BBB. 1994-2023 MasterCard. Its amazing what a ********************** business this company is. Theyre legit. Here's an explanation for how we make money At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? The cards let consumers purchase products and services to meet everyday needs.. $35. When you have bad or poor credit, it can be challenging to get approved for an unsecured credit card. . Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. And only the fraud department can remove it and issue me a new card. 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. 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. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. Genesis Financial Solutions, on the other hand, offers unsecured options, but all of them come with rather hefty annual fees. Many of the card offers that appear on this site are from companies from which we receive compensation. They constantly are giving me the run-around. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22. First, Electronic Bank issues the credit card. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. They kept me up to speed the whole way. Get a Mastercard accepted online, in store and in app. In case you dont qualify, the issuer may suggest card options from a partner bank. How is this company allowed to continue to operate?? This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. This allows you to see the terms you can expect before you apply. Well use the last four digits of your Social Security number to get your approval odds. The Destiny Mastercard is issued by First Electronic Bank . 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. This happened after the death of my son. 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). See the online credit card applications for details about the terms and conditions of an offer. Do you need one? CreditCards.com is an independent, advertising-supported comparison service. ZDNET's editorial team writes on behalf of you, our 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 . %%EOF Here are the best offers for Genesis FS Card Services credit cards. 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. In the U.S. call 1.800.MasterCard (1.800.627.8372). Genesis FS Card Services does not cite who they specifically collect for on their website. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59. 150.95.110.252 Their focus at first was on consumer loans. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. 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. H/9d.eJ?SL%~8-/hvQ@Y\F:} q5N .N E^u''\. I did not make the purchase. 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. Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. 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. We maintain a firewall between our advertisers and our editorial team. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. Performance & security by Cloudflare. ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Kay Jewelers offers two credit cards one issued by Comenity Bank and one issued by Genesis FS Card Services. 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. Depending on the offer you qualify for, you may be required to pay: You might not need to pay an annual fee, but theres no guarantee that youll get this offer, especially if you have a low credit score. Were sorry, but something went wrong and we couldnt find your approval odds. 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. $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.
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