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. Member FDIC, You can email the site owner to let them know you were blocked. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. 1994-2023 MasterCard. 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. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. Submitting a response indicates a willingness to work with customers to make things right. Also: The best starter credit card for no credit. ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Still, considering the high cash advance APR (29.9 percent) that kicks in immediately when you borrow cash against your credit line, youll want to avoid use this feature sparingly. 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 If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. More credit for your everyday needs; Show More 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. Be wise, do not write off this collections company as a scam. 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. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. 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. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Take our 3 minute quiz and match with an advisor today. Avoid the worry of making payments with Autopay. Keep an eye on your inboxwell be sending over your first message soon. I only want Genesis FS Card Services, *** to stop. 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. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. 300-670 (Bad to Fair) Make a payment with confidence knowing your account is protected with our fast and secure system. Gen says it is in a dispute status, but then placed it back into repayment status, charging interest. This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. Either card can be used in any Kay Jewelers store or on the retailer's website. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. I want this closed w/out hurting my score. 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. 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. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. 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. 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. Eastern, or. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. This wont impact your credit score. If a debt collector has contacted you, make sure you understand your rights before taking action. Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. They kept me up to speed the whole way. Whats your name? Our experts have learned the ins and outs of credit card applications and policies so you dont have to. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. 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. Like the other Genesis Mastercards, the Milestone. The, Check engine on and kicking into high RPM. Learn the Law & Sue the Collector. Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. Note that complaint text that is displayed might not represent all complaints filed with BBB. Here are the best offers for Genesis FS Card Services credit cards. Genesis Financial Servicesoffers credit to the non-prime market, which is users who can't qualify for prime rates because of their credit history. All Rights Reserved. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. 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. 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. 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. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. This card is terrible they charge you $12 a month for a service fee in addition to a $49 annual fee. When you click on If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Your fee amounts and APR vary by the cardholder agreement you're approved for. Write a comment below to share online. The private-label credit programs offered through the Genesis Credit brand, allows merchants to provide financing solutions to customers who are turned down by primary lenders. One of our staff members will call you shortly. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Federal Law allows you to protect your FDCPA rights in court via lawsuit. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. $0 cash advance fee during the first year. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. editorial integrity, If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. Our editorial team does not receive direct compensation from our advertisers. I am receiving multiple calls a day at work to my work number. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. 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. I have ALREADY filed complaints with Transunion among others. They know exactly what and WHEN has happened. Many of the card offers that appear on this site are from companies from which we receive compensation. Reasonable efforts are made to maintain accurate information. Unlawful Debt Harassment? , which reports all federal complaints within the U.S. federal systems docket. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. I have a few credit cards through this company. Worry free spending with $0 liability on unauthorized charges! Your IP: 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. The Bad. 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. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. See the best credit card offers from Genesis FS Card Services below. 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. Dont worry, we wont spam your inbox. 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. They know they closed off my access to these cards. This site does not include all financial companies or all available financial offers. Have you had a bad experience with this agencys debt collectors? Home equity line of credit (HELOC) calculator. Genesis also offers Genesis credit, which extends second-look financing to consumers who don't qualify for prime lenders. 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. The action you just performed triggered the security solution. The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. \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! How is this company allowed to continue to operate?? Setup AutoPay for even more Convenience 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. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Avoid the worry of making payments with Autopay. We value your trust. 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. document.write(new Date().getFullYear()) Genesis Financial Solutions. 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. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. 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. Violates the concept of fair use and acknowledgement of services, Any further responses to this will cost a charge of $5000. All Rights Reserved. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. Bankrate.com is an independent, advertising-supported publisher and comparison service. 767 complaints closed in the last 12 months. 2023Genesis FS Card Services Inc., All Rights Reserved. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. For that reason, if the lack of annual fees is a crucial factor for you, the Indigo Mastercard might not be the best choice. Check back here for Security Notices and other important information. Do you need one? Genesis FS Card ServicesGenesis FS Card Services is debt collector located in Beaverton,OR. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. 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. 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 have been on the phone numerous times with them. The $300 credit limit also comes with a cardholder agreement for a $75 annual fee and $99 each year after, with either a 9.9%, 19.9%, 24.9%, or 29.9% APR. I did not make the purchase. 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. 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. Accuracy, independence and authority remain as key principles of our editorial guidelines. 2019 f250 just hit 70,000 miles so I cant lemon law it. 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%. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 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. Late payment and returned payment fees are also up to $40. 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. Genesis FS Card Services' Address, Phone Number, and Contact Information Genesis Financial Solutions is located at 15220 NW Greenbrier Parkway, Suite 200, Beaverton, OR 97006-5762. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Genesis Financial Solutions, on the other hand, offers unsecured options, but all of them come with rather hefty annual fees. Our experts have been helping you master your money for over four decades. Yes. Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. $75 annual fee after the first year, $99 thereafter. After filing a complaint with the card company they canceled my card. At the same time, a new credit card can be essential to establishing good credit. CreditCards.com is an independent, advertising-supported comparison service. . it was a everyday thing 2 to 4 calls a day. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. Kay Jewelers offers two credit cards one issued by Comenity Bank and one issued by Genesis FS Card Services. The Destiny Mastercard offers a $300 credit limit if you're approved, no deposit required. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. (Note, in a call on 1/31/23, ******** Service Supervisor ***** confirmed GFS received this affidavit). . Member Alerts: There are no Member Alerts at this time. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Genesis Financial Solutions was founded in 2001 by a group of financial services experts. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Genesis has placed fraudulent charges on a line of credit from a retailer, Ashley Furniture. Paperless Statements and more! BBB Business Profiles are provided solely to assist you in exercising your own best judgment. Customer Service will not help me. This is not legal advice. This allows you to see the terms you can expect before you apply. BBB is here to help. 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. [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.. 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? . Get credit for all of your hard work. The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. Genesis FS Card Services is a debt collector located in Beaverton,OR. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. 19 Chevy trax with 31K on it has been having an issue with the transmission Module throwing a code. 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. Call 475-277-1600 NOW. You might qualify for a $59 annual fee with either a 24.9% or 29.9% APR and a 29.9% cash advance APR or a $125 annual fee with a 29.9% cash advance and purchase APR. The $500 credit limit comes with one of three cardholder agreements. 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. Landmark Supreme Court Decision Made in Lemberg Laws Facebook Robocalling Suit, Lemberg Law Wins Class Certification in Robocall Case. Read more about the firm. See the online credit card applications for details about the terms and conditions of an offer. %%EOF Call our Helpline today! Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. The thing is THEY HAVE ALL OF THE **** in their records. The Good. The best Genesis FS credit card is the Genesis FS Destiny Mastercard. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. 0 There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. they got it but keep denying it and it's on my bank statement. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. There are several cardholder agreements you could qualify for with a $300 credit limit. 14600 Greenbrier Parkway, Beaverton, OR 97006. A Red Ventures company. 10/10 recommend this law firm So happy with our settlement!, Fantastic experience! I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. Its amazing what a ********************** business this company is. They have the records and they act like they don't. Register . Towed one time. Genesis Financial Solutions is one of the companies that offer credit cards for customers with poor or limited credit. Check the data at the top of this page and the bank's website for the most current information. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. I have tried numerous times to correct all of this. ebt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Your personal information and data are protected with 256-bit encryption. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Timing chain failure, crankshaft and oil leaking in pistons. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. 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 *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. Find out what Genesis FS credit cards and financial services has to offerand what you might qualify for. First Electronic Bank This document applies to consumers who apply for a Genesis Credit Account. At Bankrate we strive to help you make smarter financial decisions. By providing my email address, I agree to CreditCards.coms 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. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. I have a milestone credit card thru these guys. 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. Everything you need is right here. The Milestone Gold Mastercard also comes with a $500 credit limit with various cardholder agreements. Genesis is the nation's largest "second-look" merchant financing provider. Get a Mastercard accepted online, in store and in app. 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. We are an independent, advertising-supported comparison service. 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. Yes, Genesis FS Card Services is legit. Please enter a valid phone number. Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. 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.