10/10 recommend this law firm So happy with our settlement!, Fantastic experience! This card is terrible they charge you $12 a month for a service fee in addition to a $49 annual fee. Your author Whats your name? They know exactly what is going on here and what the issues have been. Accounts with Merchants Not Specified Below 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. While we adhere to strict Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. , which reports all federal complaints within the U.S. federal systems docket. Our goal is to give you the best advice to help you make smart personal finance decisions. They settled my case so fast. We value your trust. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. Well use this information to to verify your credit profile. Lemberg Law received an A+ rating from the BBB. In order to close account, charge of $75 annual fee still charged. Testing RFID blocking cards: Do they work? Setup AutoPay for even more Convenience If you have a low credit score, it can be challenging to qualify for a credit card. hWkk9+%ghA&ljp`K\ilQuGBFXN(n4QByQBRhjcZbURd,lI5Il(2H(11)A2`tF6YAs,F& In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. The Good. We contacted Lemberg about being harassed by a rude debt collector, and within weeks we got a settlement check. This website is attorney advertising: prior results do not guarantee a similar outcome. BBB Business Profiles generally cover a three-year reporting period. 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). 18 reviews of Genesis Financial Solutions "Genesis has had absolutely horrible customer service. I wish I would have never opened this credit card. 767 complaints closed in the last 12 months. 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. Bankrate.com is an independent, advertising-supported publisher and comparison service. 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. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . All Rights Reserved. Setup AutoPay for even more Convenience 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. 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. 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. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. . However, the collections company typically collects on credit card debt according to many complainants. Terms apply to the offers listed on this page. Z/t7{J S`4h``nL zUbQ =cCE@f0ix09b#}s1,f l/43BlwAC . 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. You may also get approved with a $75 initial annual fee and then $99 each year after. 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. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Register . 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 At Bankrate, we take the accuracy of our content seriously. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. 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. they got it but keep denying it and it's on my bank statement. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. 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. What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. 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. 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. 2023Genesis FS Card Services Inc., All Rights Reserved. Genesis FS Card Services does not cite who they specifically collect for on their website. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. Genesis FS Card Services is a debt collector located in Beaverton,OR. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. 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. And they do it while incommunicado, from a position of concealment. Milestone is a registered trademark of Genesis FS Card Services, Inc. Your email Whats your email address? A Red Ventures company. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Late payment and returned payment fees are also up to $40. Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. When you click on For those approved for a $300 credit limit, there are several cardholder agreements. The $500 credit limit comes with one of three cardholder agreements. 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. Have you had a bad experience with this agencys debt collectors? In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. The Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) Credit Cards Reporter and Young Credit Analyst, Connect with Cathleen McCarthy on Twitter, Connect with Cathleen McCarthy on LinkedIn. Find out who they are, why they might be calling, and how you can stop them. Your personal information and data are protected with 256-bit encryption. Copyright 2023 CreditCards.com a Red Ventures Company. The main difference is theres a chance you wont have to pay an annual fee. 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. What are index funds and how do they work? 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. Your credit cards journey is officially underway. In the meantime, you are welcome to call us right away at 855-301-2100. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. 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. I have tried numerous times to correct all of this. At Bankrate we strive to help you make smarter financial decisions. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. Genesis FS Card Services | PO Box 4477 Beaverton, OR | 97076-4477 Our toll-free customer service number: 1-800-353-5920 Where should I send my Indigo Mastercard payment? This is not legal advice. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Everything you need is right here. 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. [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.. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. You can absolutely sue. This wont impact your credit score. 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. 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 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. Get Free BBB A+ Attorney. 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). I have a few credit cards through this company. Take our 3 minute quiz and match with an advisor today. Compare offers side by side and apply online for the credit card that is right for you. I'm told there is a temporary block on the account. 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. 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. Worry free spending with $0 liability on unauthorized charges! View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Genesis FS Card Services has received a many complaints over its time in business. $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. Submitting a response indicates a willingness to work with customers to make things right. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. Genesis Financial Servicesoffers credit to the non-prime market, which is users who can't qualify for prime rates because of their credit history. 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. . Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. 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. 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%. 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. 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. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? The action you just performed triggered the security solution. Click to reveal endstream endobj 320 0 obj <>/Metadata 16 0 R/Pages 317 0 R/StructTreeRoot 34 0 R/Type/Catalog>> endobj 321 0 obj <>/MediaBox[0 0 612 792]/Parent 317 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 322 0 obj <>stream 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. The Genesis FS Destiny Mastercard is ZDNet's top choice. In total you're paying $193 in fees just to have an account with them. Avoid the worry of making payments with Autopay. . Once you've decided which card fits your needs, apply for it. This site does not include all financial companies or all available financial offers. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Keep an eye on your inboxwell be sending over your first message soon. Neither ZDNET nor the author are compensated for these independent reviews. Like the other Genesis Mastercards, the Milestone. As a matter of policy, BBB does not endorse any product, service or business. 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. Here are the best offers for Genesis FS Card Services credit cards. hb```@(0 it was a everyday thing 2 to 4 calls a day. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 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. Genesis is the nation's largest "second-look" merchant financing provider. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. [and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. Genesis FS Card Services has received a many complaints over its time in business. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. 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. Put $0 if you currently don't have a rent or mortgage payment. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22. More credit for your everyday needs; Show More Member Alerts: There are no Member Alerts at this time. Many of the card offers that appear on this site are from companies from which we receive compensation. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. H/9d.eJ?SL%~8-/hvQ@Y\F:} q5N .N E^u''\. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. to maintain accurate information. On the, It is also possible that this collections company could have been a part of a variety of lawsuits, sanctions, and penalties according to, Public Access to Court Electronic Records (PACER). Setup Autopay and ensure your payments are made on time every month. 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. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. 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. BBB Business Profiles may not be reproduced for sales or promotional purposes. Compared to a secured credit card, an unsecured credit card doesn't require collateral or a deposit into a savings account for approval. If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. Avoid the worry of making payments with Autopay. , and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Contact . 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. $75 annual fee after the first year, $99 thereafter. 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. Genesis Financial Solutions is one of the companies that offer credit cards for customers with poor or limited credit. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 374 0 obj <>stream If a debt collector has contacted you, make sure you understand your rights before taking action. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. For that reason, if the lack of annual fees is a crucial factor for you, the Indigo Mastercard might not be the best choice. How is this company allowed to continue to operate?? Home equity line of credit (HELOC) calculator. Yes, Genesis FS Card Services is legit. Best Genesis FS credit card overall (and for those with bad credit), These Experts Are Racing to Protect AI From Hackers. Genesis Financial Solutions was founded in 2001 by a group of financial services experts. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. Bankrate has answers. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). hbbd```b``V 5 id`u"YHF 05Xv"X0yLn"$ Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. You can sue a debt collector. In the U.S. call 1.800.MasterCard (1.800.627.8372). Either card can be used in any Kay Jewelers store or on the retailer's website. Be wise, do not write off this collections company as a scam. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Please enter a valid email adress, Your phone Whats your phone number? Learn the Law & Sue the Collector. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Genesis FS Card Services should be considered a legitimate business due to the companys years of experience. Multiple credit card perks. we equip you to harness the power of disruptive innovation, at work and at home. They have records and act like they don't. BBB Business Profiles are subject to change at any time. I only want Genesis FS Card Services, *** to stop. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. 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. How Does the CFPBs Debt Collection Rule Affect You? Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. 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. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. They know exactly what and WHEN has happened. Can I sue Genesis FS Card Services for Harassment? I did not make the purchase. We look forward to working with you to resolve your legal issues. The, Check engine on and kicking into high RPM. 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. When you buy through our links, we may earn a commission. 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. 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. And haven't issued me a new card. They know they closed off my access to these cards. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. This website is using a security service to protect itself from online attacks. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. 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. Do you need one? Your fee amounts and APR vary by the cardholder agreement you're approved for. Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. We are Lemberg Law, a Consumer Law Firm. 300-670 (Bad to Fair) *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. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. 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. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. 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. 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.