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About every two weeks, I get a solicitation from this business for a credit card. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. The high costs aside, the card can still deliver on its promise to help build your credit with responsible use. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. . In the U.S. call 1.800.MasterCard (1.800.627.8372). In this catch-22 situation, it may seem like your options are limited. Abused? Genesis FS Card Services | PO Box 4477 Beaverton, OR | 97076-4477 Our toll-free customer service number: 1-800-353-5920 Where should I send my Indigo Mastercard payment? Genesis has placed fraudulent charges on a line of credit from a retailer, Ashley Furniture. Member FDIC, While we adhere to strict Avoid the worry of making payments with Autopay. Genesis Financial Solutions was founded in 2001 by a group of financial services experts. The lack of cash advance fees in the first year with the card is another advantage of this product and a rare credit card benefit. The, Check engine on and kicking into high RPM. 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. At Bankrate, we take the accuracy of our content seriously. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. It is illegal to a debt collector to use empty threats to sue you or garnish your wages. Violates the concept of fair use and acknowledgement of services, Any further responses to this will cost a charge of $5000. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. He has been repeatedly recognized as the most active consumer attorney in the country. Timing chain failure, crankshaft and oil leaking in pistons. $0 cash advance fee during the first year. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. The Milestone Gold Mastercard also comes with a $500 credit limit with various cardholder agreements. Now wanting a late fee. Genesis FS Card Services does not cite who they specifically collect for on their website. Register . View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. Genesis FS Card Services should be considered a legitimate business due to the companys years of experience. Their focus at first was on consumer loans. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. This card is terrible they charge you $12 a month for a service fee in addition to a $49 annual fee. First, Electronic Bank issues the credit card. editorial integrity, Everything you need is right here. 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. BBB is here to help. Then, both cards have $700 limits and they allowed them to be run up to roughly $1500 on each card!! Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Click to reveal Or, instead you can send a secure message to our legal team. This collection company may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Further, youll be responsible for an up to $40 overlimit fee if you opt in to overlimit coverage and go over the credit card limit. This allows you to see the terms you can expect before you apply. 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). BBB Business Profiles are subject to change at any time. 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. 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. Our top goal is simple: We want to help you narrow down your search so you dont have to stress about finding your next credit card. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. How much should you contribute to your 401(k)? Put $0 if you currently don't have a rent or mortgage payment. See details. How Does the CFPBs Debt Collection Rule Affect You? Other than an address for a website that lets you do nothing other than apply for their worthless credit card, the solicitations have no contact information, no email address and no phone number with which to contact anyone to demand they cease and desist. Worry free spending with $0 liability on unauthorized charges! This site does not include all credit card companies or all card offers available in the marketplace. First Electronic Bank This document applies to consumers who apply for a Genesis Credit Account. Performance & security by Cloudflare. . Their reviews hold us accountable for publishing high-quality and trustworthy content. After filing a complaint with the card company they canceled my card. As a matter of policy, BBB does not endorse any product, service or business. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. Well use this information to to verify your credit profile. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. All Rights Reserved. Credit Cards Reporter and Young Credit Analyst, Connect with Cathleen McCarthy on Twitter, Connect with Cathleen McCarthy on LinkedIn. editorial policy, so you can trust that our content is honest and accurate. 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. 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. The offers that appear on this site are from companies from which CreditCards.com receives compensation. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. I did not make the purchase. But we compared the three credit card options altogether for people with bad credit. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. 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. [and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. Your author Whats your name? When you buy through our links, we may earn a commission. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. Indigo is a registered trademark of Genesis FS Card Services, Inc. Everything you need is right here. 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. Also: 5 ways to improve your credit score without a credit card. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. Take a look at the link above to find out whether this collections company falls within this category. Please call me Monday 8/15. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. Many of the card offers that appear on this site are from companies from which we receive compensation. Get credit for all of your hard work. What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. They easily called Genesis and changed my info (address especially, will explain) to a ******* address and asked for new cards, which Genesis promptly did and sent them. Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. . See the online credit card applications for details about the terms and conditions of an offer. ebt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. 2023Genesis FS Card Services Inc., All Rights Reserved. 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.. Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. The APR for this card is 24.9% or 29.9%, and the cash advance APR is 29.9% for all Genesis FS Destiny Mastercard credit cards with a $300 credit limit. Here are the best offers for Genesis FS Card Services credit cards. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. I have ALREADY filed complaints with Transunion among others. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. at Genesis FS Card Services's secure site, 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. 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.. 2023Genesis FS Card Services Inc., All Rights Reserved. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. Well guide you through the process. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. Increase non-taxable income or benefits included by 25%. . *May also include monthly maintenance fees. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. Its amazing what a ********************** business this company is. Setup Autopay and ensure your payments are made on time every month. hb```@(0 In case you dont qualify, the issuer may suggest card options from a partner bank. Member Alerts: There are no Member Alerts at this time. 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. 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.