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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. This site does not include all financial companies or all available financial offers. 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 By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. The Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. How much should you contribute to your 401(k)? When you have bad or poor credit, it can be challenging to get approved for an unsecured credit card. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. And haven't issued me a new card. They won't answer that question. Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. 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. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. 319 0 obj <> endobj If you apply for a credit card, the lender may use a different credit score when considering your application for credit. This allows you to see the terms you can expect before you apply. Make a payment with confidence knowing your account is protected with our fast and secure system. Testing RFID blocking cards: Do they work? EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. You'll be able to see which card, credit limit, and terms you qualify for without impacting your credit score. I have tried numerous times to correct all of this. ZDNET independently tests and researches products to bring you our best recommendations and advice. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. . 374 0 obj <>stream But it also depends on your credit score and financial history. Its amazing what a ********************** business this company is. Editorial integrity is central to every article we publish. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Genesis is the nation's largest "second-look" merchant financing provider. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Make a payment with confidence knowing your account is protected with our fast and secure system. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Sound off and share your experience with other visitors in the comment box below. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Whether you're looking to build credit as a new user or rebuild credit after a bankruptcy or string of delinquencies causing your score to drop, a Genesis FS credit card may be the solution for you. If you have a low credit score, it can be challenging to qualify for a credit card. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Member Alerts: There are no Member Alerts at this time. 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. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Get credit for all of your hard work. The cards let consumers purchase products and services to meet everyday needs.. $35. Lemberg Law received an A+ rating from the BBB. The firms main office is located at 43 Danbury Road, Wilton, Connecticut. 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. Has been meticulously serviced and maintained. I ordered the card thinking I'd get a $700 credit line that was a lie.Not only that, but upon receiving the card I'm automatically going into debt of $75 No pin number upon activation,that takes **** days No routing number for electronic funds transfer,none of which was explained before opening account. Genesis FS Card Services is a debt collector located in Beaverton,OR. The thing is THEY HAVE ALL OF THE **** in their records. endstream endobj startxref , which reports all federal complaints within the U.S. federal systems docket. Everything you need is right here. The, Check engine on and kicking into high RPM. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. 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. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. 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. 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. 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. Cathleen's stories on design, travel and business have appeared in dozens of publications including the Washington Post, Town & Country, Wall Street Journal, Marie Claire, Fodors Travel, Departures and The Writer. 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. . Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The action you just performed triggered the security solution. I want this closed w/out hurting my score. Compare offers side by side and apply online for the credit card that is right for you. Merchant Consumer Account Logins If you have an account with Genesis Credit through one of our many business partners, you can access and manage your account online using the links below. Genesis FS Card Services does not cite who they specifically collect for on their website. The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. Read more about the firm. They constantly are giving me the run-around. In the meantime, you are welcome to call us right away at 855-301-2100. Your personal information and data are protected with 256-bit encryption. Lets face it theres a lot of jargon and high-level talk in the credit card industry. More informationClose 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. In total you're paying $193 in fees just to have an account with them. 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. I wish I would have never opened this credit card. Get Pre-Qualified today for the Milestone Mastercard Check the data at the top of this page and the bank's website for the most current information. With various cardholder agreements for each credit card, most consumers with bad or poor credit can qualify. Get a Mastercard accepted online, in store and in app. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Eastern, or. + 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. See the best credit card offers from Genesis FS Card Services below. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. 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. Accounts with Merchants Not Specified Below Additionally, the *** used to open the account is outdated. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. I only want Genesis FS Card Services, *** to stop. Milestone Card reports to all three credit bureaus. 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. Though this collection company promises to be a professional and reputable business, it is still possible that this collections company may still have violated the FDCPA. 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. 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. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. $75 annual fee after the first year, $99 thereafter. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. View statements, enroll in paperless statements, pay your bill, update your contact information, and more! 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. You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. Theyre legit. 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. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. I am receiving multiple calls a day at work to my work number. After filing a complaint with the card company they canceled my card. You could qualify for a $300 credit limit with an annual and yearly recurring maintenance fee of $35 or $59. International Association of Better Business Bureaus. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. 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. Should you accept an early retirement offer? Call our Helpline today! 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. 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. 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. What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. [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.. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. . 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. Avoid the worry of making payments with Autopay. Towed one time. Take our 3 minute quiz and match with an advisor today. Learn More GENESIS CREDIT At Bankrate we strive to help you make smarter financial decisions. Genesis FS Card ServicesGenesis FS Card Services is debt collector located in Beaverton,OR. However, all credit card information is presented without warranty. Worry free spending with $0 liability on unauthorized charges! we equip you to harness the power of disruptive innovation, at work and at home. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Well guide you through the process. Extended warranty and price protection on purchases. 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. 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. Yes. 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. 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! Best Genesis FS credit card overall (and for those with bad credit), These Experts Are Racing to Protect AI From Hackers. 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. When you buy through our links, we may earn a commission. *May also include monthly maintenance fees. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. Thank you for requesting your free case evaluation. EVERYTHING is a constant run-around with them. You could be eligible for no annual or monthly maintenance fee with a 24.9% APR and 29.9% cash advance APR. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Bankrate follows a strict While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. 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. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. You can absolutely sue. By providing my email address, I agree to CreditCards.coms Note, however, that once you apply, a hard inquiry will appear on your credit report. $0 cash advance fee during the first year. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. 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. 339 0 obj <>/Filter/FlateDecode/ID[<657F821A7DA778489D3EBA56E0CEA30E>]/Index[319 56]/Info 318 0 R/Length 107/Prev 423890/Root 320 0 R/Size 375/Type/XRef/W[1 3 1]>>stream Also: The best starter credit card for no credit. Bankrates editorial team writes on behalf of YOU the reader. BBB Business Profiles generally cover a three-year reporting period. Even though it's been less than 30 days. Today, Genesis Financial Solutions provides three card options to help people in difficult credit circumstances get on their feet. Call 475-277-1600 NOW. Whats your name? I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. Stop charging interest for nothing! hWkk9+%ghA&ljp`K\ilQuGBFXN(n4QByQBRhjcZbURd,lI5Il(2H(11)A2`tF6YAs,F& , and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Contact . Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. Well use the last four digits of your Social Security number to get your approval odds. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. This is not legal advice. Genesis Financial Solutions is one of the companies that offer credit cards for customers with poor or limited credit. 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. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Your email Whats your email address? For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. 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. You have money questions. 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. Genesis created the Genesis Credit brand after the 2008 recession, when many saw their credit negatively impacted through no fault of their own, like job loss or health issues. 1 836-9633. They know EXACTLY what the complaint is and that my identification was stolen regarding those cards. Bankrate.com is an independent, advertising-supported publisher and comparison service. This credit limit comes with either a $35 yearly annual fee or a $75 first year annual fee and $99 each year after with a 29.9% purchase and cash advance APR. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. 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. Do you need one? I have a few credit cards through this company. 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. The Bad. In this catch-22 situation, it may seem like your options are limited. 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. Get a Mastercard accepted online, in store and in app. editorial integrity, 2023Genesis FS Card Services Inc., All Rights Reserved. this post may contain references to products from our partners. The Genesis Credit belief is "no one should be turned away from financing based solely on a FICO score." If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. 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. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. 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. Privacy Policy. Given how slow the legal system is, they were lightening fast! Every time I contact them. Call us today to find out how we may be able to assist you with your case. 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; Build on your credit history with style; Worry free spending with $0 liability on unauthorized charges! We value your trust. 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. The main difference is theres a chance you wont have to pay an annual fee. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. BBB Business Profiles are subject to change at any time. Take a look at the link above to find out whether this collections company falls within this category. 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. Terms apply to the offers listed on this page. Call us today. All Rights Reserved. While we adhere to strict ZDNET's editorial team writes on behalf of you, our reader. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). The Genesis FS Destiny Mastercard is ZDNet's top choice. If a debt collector has contacted you, make sure you understand your rights before taking action. 1994-2023 MasterCard. They have records and act like they don't. Find out who they are, why they might be calling, and how you can stop them. They settled my case so fast. Find out what Genesis FS credit cards and financial services has to offerand what you might qualify for. 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. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. Increase non-taxable income or benefits included by 25%. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. 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. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. I have a milestone credit card thru these guys. Setup AutoPay for even more Convenience Offers auto rental collision damage waiver. This happened after the death of my son. Last four digits of your Social Security number, Do Not Sell or Share My Personal Information, Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. Now wanting a late fee. 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. One of these FRAUDULENT accounts was for an Ashley ********* purchase financed through Genesis FS (GFS) for $974.58, which I did not make or authorize. 1,670 total complaints in the last 3 years. Performance & security by Cloudflare. Call us today to find out how we may be able to assist you with your case. 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%. The Good. Thank you for all your help., INCREDIBLE EXPERIENCE! If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. they got it but keep denying it and it's on my bank statement. Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. Can I sue Genesis FS Card Services for Harassment? the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. 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. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. One of our staff members will call you shortly. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. All Rights Reserved. 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. Misled by a collector? 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. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Keep billing me interest and finally attack my credit rating when the interest they illegally charge is. Gen says it is in a dispute status, but then placed it back into repayment status, charging interest. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. And we pore over customer reviews to find out what matters to real people who already own and use the products and services were assessing. Which certificate of deposit account is best? This wont impact your credit score. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards.