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. View statements, enroll in paperless statements, pay your bill, update your contact information, and more! For that reason, if the lack of annual fees is a crucial factor for you, the Indigo Mastercard might not be the best choice. The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. And they do it while incommunicado, from a position of concealment. Compare offers side by side and apply online for the credit card that is right for you. 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. Submitting a response indicates a willingness to work with customers to make things right. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. 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. She told me I need to submit new information in order to have the case reopened, encouraging me to send in a copy of my DL via fax. *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. 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. What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. 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). 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. They know they closed off my access to these cards. . Bankrate follows a strict Reasonable efforts are made to maintain accurate information. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. 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. Read more about the firm. Paperless Statements and more! The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Log in - Genesis Credit Your personal information and data are protected with 256-bit encryption. Accuracy, independence and authority remain as key principles of our editorial guidelines. 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. . 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. 1994-2023 MasterCard. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. Yes, Genesis FS Card Services is legit. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. 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. If the charge on your bank statement stems from a debit or credit card.. following the other instructions on the monthly statement to Genesis FS Card Services, P. Make sure you pay at least the monthly minimum payment each month by your payment due date.. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. 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. Be wise, do not write off this collections company as a scam. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. Learn More GENESIS CREDIT *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. Take a look at the link above to find out whether this collections company falls within this category. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. Your fee amounts and APR vary by the cardholder agreement you're approved for. GENESIS FINANCIAL SOLUTIONS - 18 Reviews - Yelp Get credit for all of your hard work. This card is terrible they charge you $12 a month for a service fee in addition to a $49 annual fee. 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. 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. 150.95.110.252 Well use this information to to verify your credit profile. Make a payment with confidence knowing your account is protected with our fast and secure system. Home Page - Kay Jewelers All Rights Reserved. They have the records and they act like they don't. Every time I contact them. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Aja is the author of "How a Mother Should Talk About Money with Her Daughter.". Genesis also offers Genesis credit, which extends second-look financing to consumers who don't qualify for prime lenders. 2022 Hyundai Veloster N - After replacing the tires with Contentinal 235/19 all seasons on OEM wheels the blind spot warning system was malfunctioning within one mile of driving. 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. 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. At Bankrate, we take the accuracy of our content seriously. The company has been operating for 20 years in the consumer financial services industry and is the largest non-prime servicing financier in the U.S. for merchants. they stick together and read notes to keep saying the same thing, so I contact my bank for the other $200, and they go to my milestone card and reverse payment from there and add . This allows you to see the terms you can expect before you apply. I have been on the phone numerous times with them. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59 annual fee, depending on the offer you qualify for. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . Milestone is a registered trademark of Genesis FS Card Services, Inc. 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. We look forward to working with you to resolve your legal issues. 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), which reports all federal complaints within the U.S. federal systems docket. You have money questions. Harassed? After being transferred 4 times, I was finally able to speak to *****, a customer service supervisor. 2023 Bankrate, LLC. You can absolutely sue. The Destiny Mastercard offers a $300 credit limit if you're approved, no deposit required. You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. There is little confirmation available from the collections company on who they specifically work with. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case.