They know exactly what is going on here and what the issues have been. The Bad. 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. 300-670 (Bad to Fair) The cards let consumers purchase products and services to meet everyday needs.. $35. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. *May also include monthly maintenance fees. They settled my case so fast. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Check the data at the top of this page and the bank's website for the most current information. Unlawful Debt Harassment? %@H2U``bd`qo0 A_ 10/10 recommend this law firm So happy with our settlement!, Fantastic experience! 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. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. Landmark Supreme Court Decision Made in Lemberg Laws Facebook Robocalling Suit, Lemberg Law Wins Class Certification in Robocall Case. I have a few credit cards through this company. PDF Genesis Credit Account - Consumer Financial Protection Bureau $75 annual fee after the first year, $99 thereafter. 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. They know they closed off my access to these cards. 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. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Also: The best starter credit card for no credit. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. 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. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. In total you're paying $193 in fees just to have an account with them. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Once you've decided which card fits your needs, apply for it. 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. BBB Business Profiles are subject to change at any time. BBB Business Profiles generally cover a three-year reporting period. Now wanting a late fee. 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. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. Genesis has placed fraudulent charges on a line of credit from a retailer, Ashley Furniture. 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. $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. Which certificate of deposit account is best? As a matter of policy, BBB does not endorse any product, service or business. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. 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. 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. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . BBB is here to help. Check back here for Security Notices and other important information. I have tried numerous times to correct all of this. I have been on the phone numerous times with them. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. ZDNET's editorial team writes on behalf of you, our reader. They have records and act like they don't. Home Page - Indigo Platinum MasterCard Performance & security by Cloudflare. Bankrate.com is an independent, advertising-supported publisher and comparison service. 2023 ZDNET, A Red Ventures company. If a debt collector has contacted you, make sure you understand your rights before taking action. They kept me up to speed the whole way. Call us today to find out how we may be able to assist you with your case. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. 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. Timing chain failure, crankshaft and oil leaking in pistons. Then, both cards have $700 limits and they allowed them to be run up to roughly $1500 on each card!! If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. The best Genesis FS credit card is the Genesis FS Destiny Mastercard. 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. Your email address unlocks your approval odds. 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. 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. Accuracy, independence and authority remain as key principles of our editorial guidelines. Milestone Card reports to all three credit bureaus. Given how slow the legal system is, they were lightening fast! 1 836-9633. $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. 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. These statements cannot be true. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. 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 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. 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 . 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. Thank you for requesting your free case evaluation. Our editorial team does not receive direct compensation from our advertisers. If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. They constantly are giving me the run-around. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Celtic Bank issues the Genesis FS Indigo Mastercard. Milestone Mastercard Reviews: Is It Any Good? (2023) | SuperMoney The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. 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. 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. 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. 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. Home Page - Kay Jewelers When your credit isnt in the best shape, many of the credit card options available to you may be secured cards, which require a security deposit at the time of application. [and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. 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. More credit for your everyday needs; Show More Genesis FS Card Services | Agruss Law Firm Bankrate follows a strict 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. 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. 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 Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. You could be eligible for no annual or monthly maintenance fee with a 24.9% APR and 29.9% cash advance APR. Free Help for Genesis FS Card Services Harassment Victims - Lemberg Law Please enter a valid email adress, Your phone Whats your phone number? This credit card also comes with an annual fee of $49 or $59 each year and either a 24.9% or 29.9% purchase APR with a 29.9% cash advance APR. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. 14600 Greenbrier Parkway, Beaverton, OR 97006. 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. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. 0 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. If your credit score is lower, you may qualify for a 35.9% APR with a $175 first year annual fee and $49 each year after, plus a $150 annual maintenance fee billed monthly at $12.50. After being transferred 4 times, I was finally able to speak to *****, a customer service supervisor. . How Does the CFPBs Debt Collection Rule Affect You? What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Thanks so much to the lawyers and staff at Lemberg Law!, Lemberg Law firm, did a great job representing me against a big and powerful company, they got me a fair but very good deal for me and the company, felling grateful with them.. *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 want this closed w/out hurting my score. No more harassing calls from them bothersome credit card companies. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. They won't answer that question. hWkk9+%ghA&ljp`K\ilQuGBFXN(n4QByQBRhjcZbURd,lI5Il(2H(11)A2`tF6YAs,F& Click to reveal + See the online credit card applications for details about the terms and conditions of an offer. 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. Be wise, do not write off this collections company as a scam. endstream endobj startxref We maintain a firewall between our advertisers and our editorial team. 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. And only the fraud department can remove it and issue me a new card. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. 2023Genesis FS Card Services Inc., All Rights Reserved. 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. 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. Worry free spending with $0 liability on unauthorized charges! 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. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. Federal Law allows you to protect your FDCPA rights in court via lawsuit. You may also get approved with a $75 initial annual fee and then $99 each year after. . The action you just performed triggered the security solution. Your fee amounts and APR vary by the cardholder agreement you're approved for.

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