If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. $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. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. This collection company may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. I have ALREADY filed complaints with Transunion among others. Setup AutoPay for even more Convenience endstream endobj startxref 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. MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Your annual fee will also depend on your credit profile and can be $35, $59 or $75 in the first year and $99 thereafter. Gen says it is in a dispute status, but then placed it back into repayment status, charging interest. Towed one time. Privacy Policy. Compare offers side by side and apply online for the credit card that is right for you. 767 complaints closed in the last 12 months. 374 0 obj <>stream Because only Genesis FS Card Services, Inc. is sending me repeated solicitations that are exactly the same, and in a amount and frequency that is simply harassing. hb```@(0 We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. I contacted GFS on 12/27/22 to report the fraud to them, and they requested I complete and return an affidavit from www.identifytheft.gov to them within the next 20 days. . Genesis FS Card Services | Agruss Law Firm hbbd```b``V 5 id`u"YHF 05Xv"X0yLn"$ ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. Copyright 2023 CreditCards.com a Red Ventures Company. 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. 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). 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. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. EVERYTHING is a constant run-around with them. Genesis FS offers the option to pre-qualify without affecting your credit score, so you can find out what terms you qualify for before you apply, which will then show up on your credit report as a hard inquiry. But I am not able to speak with the fraud department myself due to their customer service department can't transfer my call to the fraud department. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. document.write(new Date().getFullYear()) Genesis Financial Solutions. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. 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. 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! The Destiny Mastercard is issued by First Electronic Bank . 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. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. They kept me up to speed the whole way. editorial policy, so you can trust that our content is honest and accurate. In case you dont qualify, the issuer may suggest card options from a partner bank. 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. Credit Cards Reporter and Young Credit Analyst, Connect with Cathleen McCarthy on Twitter, Connect with Cathleen McCarthy on LinkedIn. 0 Our editorial team does not receive direct compensation from our advertisers. Genesis FS Card Services has received a many complaints over its time in business. Z/t7{J S`4h``nL zUbQ =cCE@f0ix09b#}s1,f l/43BlwAC . Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. Accounts with Merchants Not Specified Below 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. Please enter a valid phone number. *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. Also: The best starter credit card for no credit. Federal Law allows you to protect your FDCPA rights in court via lawsuit. Compared to a secured credit card, an unsecured credit card doesn't require collateral or a deposit into a savings account for approval. . 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. Free Help for Genesis FS Card Services Harassment Victims - Lemberg Law Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. Avoid the worry of making payments with Autopay. Thank you for requesting your free case evaluation. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. However, the collections company typically collects on credit card debt according to many complainants. [and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. BBB Business Profiles are subject to change at any time. Theyre legit. Violates the concept of fair use and acknowledgement of services, Any further responses to this will cost a charge of $5000. . Apply and Get a Quick Decision for the Milestone Card Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. we equip you to harness the power of disruptive innovation, at work and at home. Check back here for Security Notices and other important information. 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. MasterCard is an Equal Opportunity Employer. Your email Whats your email address? Genesis FS Card Services is a debt collector located in Beaverton,OR. The firms main office is located at 43 Danbury Road, Wilton, Connecticut. Genesis Financial Solutions is one of the companies that offer credit cards for customers with poor or limited credit. I have a few credit cards through this company. 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. Given how slow the legal system is, they were lightening fast! Once you've decided which card fits your needs, apply for it. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Celtic Bank issues the Genesis FS Indigo Mastercard. Yes, we would love to help. 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. Be wise, do not write off this collections company as a scam. 1994-2023 MasterCard. Testing RFID blocking cards: Do they work? 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. In the meantime, you are welcome to call us right away at 855-301-2100. Their reviews hold us accountable for publishing high-quality and trustworthy content. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. 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. However, all credit card information is presented without warranty. 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. We are an independent, advertising-supported comparison service. Home Page - Kay Jewelers At the same time, a new credit card can be essential to establishing good credit. this post may contain references to products from our partners. This website is attorney advertising: prior results do not guarantee a similar outcome. [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.. 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. 319 0 obj <> endobj Genesis and Genesis Credit are registered trademarks of Genesis Financial Solutions, Inc. Destiny, Indigo, and Milestone are registered trademarks of Genesis FS Card Services, Inc. Delivering FinancingSolutions for Merchants and Consumers. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. $75 annual fee after the first year, $99 thereafter. . Your personal information and data are protected with 256-bit encryption. Every time I contact them. 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. 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. Best Genesis FS credit card overall (and for those with bad credit), These Experts Are Racing to Protect AI From Hackers. 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. You have money questions. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. As a result, the company began offering credit cards for these types of consumers. hWkk9+%ghA&ljp`K\ilQuGBFXN(n4QByQBRhjcZbURd,lI5Il(2H(11)A2`tF6YAs,F& After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). 300-670 (Bad to Fair) I have sent them this info several times now. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system.
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