EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. Your email address unlocks your approval odds. If you believe that this collections company may have violated the FDCPA do not hesitate to contact an attorney and file a complaint or take action by reviewing the company on the BBB or Google Reviews. 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. Yes, we would love to help. 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. Get credit for all of your hard work. Put $0 if you currently don't have a rent or mortgage payment. 300-670 (Bad to Fair) 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. Here are the best offers for Genesis FS Card Services credit cards. In order to close account, charge of $75 annual fee still charged. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Genesis FS uses Indigo and Milestone Mastercard to offer non-prime users credit cards. First, Electronic Bank issues the credit card. In total you're paying $193 in fees just to have an account with them. Editorial integrity is central to every article we publish. In the U.S. call 1.800.MasterCard (1.800.627.8372). Our goal is to give you the best advice to help you make smart personal finance decisions. It is illegal to a debt collector to use empty threats to sue you or garnish your wages. And they do it while incommunicado, from a position of concealment. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Please enter a valid phone number. \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$5S`,a(]5`Fv XR! As a matter of policy, BBB does not endorse any product, service or business. hbbd```b``V 5 id`u"YHF 05Xv"X0yLn"$ 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. 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. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. We contacted Lemberg about being harassed by a rude debt collector, and within weeks we got a settlement check. to maintain accurate information. You can email the site owner to let them know you were blocked. Do you need one? When you click on Either card can be used in any Kay Jewelers store or on the retailer's website. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. No more harassing calls from them bothersome credit card companies. Take our 3 minute quiz and match with an advisor today. Sound off and share your experience with other visitors in the comment box below. 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. Our experts have been helping you master your money for over four decades. The firms main office is located at 43 Danbury Road, Wilton, Connecticut. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. Make a payment with confidence knowing your account is protected with our fast and secure system. . Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. 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. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. At the same time, a new credit card can be essential to establishing good credit. The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. 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. They will not provide any paperwork or information on how the charges appeared or where the money went and I contacted Atty Gen, the BBB, The Consumer Complaints, Genesis just reports they are working on it but refused to close the line of credit or reverse the fraudulent charges. Lemberg Law received an A+ rating from the BBB. Abused? Multiple credit card perks. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . We are an independent, advertising-supported comparison service. Paperless Statements and more! Learn More GENESIS CREDIT If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. Lets face it theres a lot of jargon and high-level talk in the credit card industry. this post may contain references to products from our partners. 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. 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. There are many criteria used to choose these credit cards, including: If you don't find a Genesis FS credit card that is the right fit, you can also consider: What is the best Genesis Financial Solutions credit card? 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. They have the records and they act like they don't. Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. With various cardholder agreements for each credit card, most consumers with bad or poor credit can qualify. This Genesis FS credit card has the best terms of the three, which typically means you have to have a better credit profile to be approved. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. You may also get approved with a $75 initial annual fee and then $99 each year after. But it also depends on your credit score and financial history. ebt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Call us today to find out how we may be able to assist you with your case. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and services. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. 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. 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. Home equity line of credit (HELOC) calculator. 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. I only want Genesis FS Card Services, *** to stop. In 2020, Tavant, a leader in the digital lending solutions industry, announced a partnership with Genesis to enhance the digital and mobile portal experience for customers using the most recent technology. Late payment and returned payment fees are also up to $40. H/9d.eJ?SL%~8-/hvQ@Y\F:} q5N .N E^u''\. Time is Running Out, Motorola's handy Bluetooth device adds satellite messaging, Linux 6.2: The first mainstream Linux kernel for Apple M1 chips arrives, Sony's new headphones adopt WH-1000XM5 technology at a great price, The perfectly pointless $197 gadget that some people will love. Yes. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. Submitting a response indicates a willingness to work with customers to make things right. Bankrate.com is an independent, advertising-supported publisher and comparison service. Genesis Financial Solutions was founded in 2001 by a group of financial services experts. MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? 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 content created by our editorial staff is objective, factual, and not influenced by our advertisers. 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. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. I can have peace now. For those approved for a $300 credit limit, there are several cardholder agreements. 1,670 total complaints in the last 3 years. Genesis FS Card Services has received a many complaints over its time in business. Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. They have records and act like they don't. 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. Because only Genesis FS Card Services, Inc. is sending me repeated solicitations that are exactly the same, and in a amount and frequency that is simply harassing. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. Their reviews hold us accountable for publishing high-quality and trustworthy content. If we have made an error or published misleading information, we will correct or clarify the article. In that regard, the solicitations only have a contact for the national opt out for pre-screening of credit offers, owned and operated by the big three credit reporting bureaus. They know EXACTLY what the complaint is and that my identification was stolen regarding those cards. Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Stop charging interest for nothing! Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. I'm told there is a temporary block on the account. Well guide you through the process. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. 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. 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. This card is terrible they charge you $12 a month for a service fee in addition to a $49 annual fee. There is no charge unless we win. Learn the Law & Sue the Collector. Everything you need is right here. Setup Autopay and ensure your payments are made on time every month. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. Additionally, the *** used to open the account is outdated. 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. International Association of Better Business Bureaus. 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. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. 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. 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. Bankrates editorial team writes on behalf of YOU the reader. At Bankrate we strive to help you make smarter financial decisions. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. Get a Mastercard accepted online, in store and in app. Privacy Policy. The main difference is theres a chance you wont have to pay an annual fee. 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). Get a Mastercard accepted online, in store and in app. Your fee amounts and APR vary by the cardholder agreement you're approved for. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. The thing is THEY HAVE ALL OF THE **** in their records. All Rights Reserved. Reasonable efforts are made to maintain accurate information. 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. *May also include monthly maintenance fees. Your annual fee will also depend on your credit profile and can be $35, $59 or $75 in the first year and $99 thereafter. I have ALREADY filed complaints with Transunion among others. Celtic Bank issues the Genesis FS Indigo Mastercard. You can absolutely sue. Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. Today, Genesis Financial Solutions provides three card options to help people in difficult credit circumstances get on their feet. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 document.write(new Date().getFullYear()) Genesis Financial Solutions. Or, instead you can send a secure message to our legal team. Which certificate of deposit account is best? Compared to a secured credit card, an unsecured credit card doesn't require collateral or a deposit into a savings account for approval. The offers that appear on this site are from companies from which CreditCards.com receives compensation. By providing my email address, I agree to CreditCards.coms The cards let consumers purchase products and services to meet everyday needs.. $35. BBB Business Profiles are subject to change at any time. We value your trust. Find out who they are, why they might be calling, and how you can stop them. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59. As a result, the company began offering credit cards for these types of consumers. Genesis Financial Solutions, on the other hand, offers unsecured options, but all of them come with rather hefty annual fees. ZDNET independently tests and researches products to bring you our best recommendations and advice. 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. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 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. 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. Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. These statements cannot be true. 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. I am receiving multiple calls a day at work to my work number. 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. See the online credit card applications for details about the terms and conditions of an offer. $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. 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 Harassed? And haven't issued me a new card. Member Alerts: There are no Member Alerts at this time.
