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. 18 reviews of Genesis Financial Solutions "Genesis has had absolutely horrible customer service. 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? 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. EVERYTHING is a constant run-around with them. 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. %@H2U``bd`qo0 A_ They know they closed off my access to these cards. 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 Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. 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. After the financial crisis of 2008, the group realized how much demand there was among consumers with low credit scores or limited credit history. Compare offers side by side and apply online for the credit card that is right for you. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. 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. Which certificate of deposit account is best? Our editorial team does not receive direct compensation from our advertisers. 767 complaints closed in the last 12 months. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. to maintain accurate information. They know exactly what is going on here and what the issues have been. Genesis Financial Solutions is one of the companies that offer credit cards for customers with poor or limited credit. This wont impact your credit score. Testing RFID blocking cards: Do they work? Make a payment with confidence knowing your account is protected with our fast and secure system. Your IP: More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. Well use this information to to verify your credit profile. Multiple credit card perks. How Does the CFPBs Debt Collection Rule Affect You? 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. 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 More credit for your everyday needs; Show More 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. 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. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Please enter a valid phone number. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. In order to close account, charge of $75 annual fee still charged. 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. Should you accept an early retirement offer? endstream endobj startxref 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. . Abused? Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. I have a few credit cards through this company. Here are the best offers for Genesis FS Card Services credit cards. + 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. %PDF-1.5 % [and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. We are an independent, advertising-supported comparison service. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22. Get a Mastercard accepted online, in store and in app. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. In this catch-22 situation, it may seem like your options are limited. Who are we? Our experts have learned the ins and outs of credit card applications and policies so you dont have to. The best Genesis FS credit card is the Genesis FS Destiny Mastercard. Genesis FS Card Services has received a many complaints over its time in business. 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. Setup AutoPay for even more Convenience Your annual fee will also depend on your credit profile and can be $35, $59 or $75 in the first year and $99 thereafter. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. They have the records and they act like they don't. 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. Bankrate.com is an independent, advertising-supported publisher and comparison service. [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.. The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. Member Alerts: There are no Member Alerts at this time. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. Your email address unlocks your approval odds. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. You could be eligible for no annual or monthly maintenance fee with a 24.9% APR and 29.9% cash advance APR. All rights reserved. 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. We are Lemberg Law, a Consumer Law Firm. Setup Autopay and ensure your payments are made on time every month. You can email the site owner to let them know you were blocked. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. Also: The best starter credit card for no credit. 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. %%EOF Kay Jewelers offers two credit cards one issued by Comenity Bank and one issued by Genesis FS Card Services. Genesis FS uses Indigo and Milestone Mastercard to offer non-prime users credit cards. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. 2023Genesis FS Card Services Inc., All Rights Reserved. Every time I contact them. Learn More GENESIS CREDIT 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. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Theyre legit. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Genesis FS Card Services does not cite who they specifically collect for on their website. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. This step in the collections process is crucial because due to the outsourcing of debt, one collection account can turn into many reporting on your credit file if the debt is not properly dealt with. In case you dont qualify, the issuer may suggest card options from a partner bank. Extended warranty and price protection on purchases. It is illegal to a debt collector to use empty threats to sue you or garnish your wages. Do you need one? hb```@(0 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. 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. If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. Take our 3 minute quiz and match with an advisor today. Write a comment below to share online. I am at the end of my rope with this company. 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. Another option could be a $75 initial annual fee with a $99 annual fee each year after. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. Thank you for all your help., INCREDIBLE EXPERIENCE! 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. Yes, Genesis FS Card Services is legit. In total you're paying $193 in fees just to have an account with them. 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. 1,670 total complaints in the last 3 years. 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. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. Get credit for all of your hard work. $75 annual fee after the first year, $99 thereafter. They settled my case so fast. Call 475-277-1600 NOW. Either card can be used in any Kay Jewelers store or on the retailer's website. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . At the same time, a new credit card can be essential to establishing good credit. they got it but keep denying it and it's on my bank statement. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. Also: 5 ways to improve your credit score without a credit card. Check the data at the top of this page and the bank's website for the most current information. This site does not include all credit card companies or all card offers available in the marketplace. There is no information currently available regarding the companys clientele and areas of expertise. Get a Mastercard accepted online, in store and in app. Here's an explanation for how we make money I only want Genesis FS Card Services, *** to stop. 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. Call us today. Reasonable efforts are made to maintain accurate information. Customer Service will not help me. The firms main office is located at 43 Danbury Road, Wilton, Connecticut. The thing is THEY HAVE ALL OF THE **** in their records. 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. Lets face it theres a lot of jargon and high-level talk in the credit card industry. How much should you contribute to your 401(k)? 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. , and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Contact . 2023 Bankrate, LLC. 2019 f250 just hit 70,000 miles so I cant lemon law it. See the online credit card applications for details about the terms and conditions of an offer. Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. The cards let consumers purchase products and services to meet everyday needs.. $35. Privacy Policy. 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. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Eastern, or. What are index funds and how do they work? Genesis FS Card Services is a debt collector located in Beaverton,OR. 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. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . 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 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. Editorial integrity is central to every article we publish. 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. Dont worry, we wont spam your inbox. Accuracy, independence and authority remain as key principles of our editorial guidelines. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. Indigo is a registered trademark of Genesis FS Card Services, Inc. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. Offers auto rental collision damage waiver. Accounts with Merchants Not Specified Below The Genesis Credit belief is "no one should be turned away from financing based solely on a FICO score." And haven't issued me a new card. I have ALREADY filed complaints with Transunion among others. They won't answer that question. However, all credit card information is presented without warranty. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Absolutely. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. 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. Genesis FS Card Services has received a many complaints over its time in business. Genesis FS Card ServicesGenesis FS Card Services is debt collector located in Beaverton,OR. 14600 Greenbrier Parkway, Beaverton, OR 97006. The Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) Best Genesis FS credit card overall (and for those with bad credit), These Experts Are Racing to Protect AI From Hackers. First Electronic Bank This document applies to consumers who apply for a Genesis Credit Account. 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. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. Milestone is a registered trademark of Genesis FS Card Services, Inc. Performance & security by Cloudflare. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. We contacted Lemberg about being harassed by a rude debt collector, and within weeks we got a settlement check. You have money questions. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. \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! If you have a low credit score, it can be challenging to qualify for a credit card. Get Pre-Qualified today for the Milestone Mastercard How is this company allowed to continue to operate?? 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. What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. 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? Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. 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 post may contain references to products from our partners. Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. 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. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. 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. The action you just performed triggered the security solution. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. 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 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. While we adhere to strict The Destiny Mastercard offers a $300 credit limit if you're approved, no deposit required. They constantly are giving me the run-around. If you have any questions about this document or the Genesis Credit Account, please call Genesis FS Card Services at 1-866-502-6439. However, all credit card information is presented without warranty. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. If you see inaccuracies in our content, please report the mistake via this form. Increase non-taxable income or benefits included by 25%. Take credit for your accomplishments. Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. 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. Learn the Law & Sue the Collector. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Neither ZDNET nor the author are compensated for these independent reviews. Has been meticulously serviced and maintained. The, Check engine on and kicking into high RPM. The high costs aside, the card can still deliver on its promise to help build your credit with responsible use. Make a payment with confidence knowing your account is protected with our fast and secure system. 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. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? 1994-2023 MasterCard. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. Everything you need is right here. When you click on 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. They know EXACTLY what the complaint is and that my identification was stolen regarding those cards. This allows you to see the terms you can expect before you apply. Setup Autopay and ensure your payments are made on time every month. 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! Now wanting a late fee. 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. Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. . 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 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. Even though it's been less than 30 days. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. 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. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. After being transferred 4 times, I was finally able to speak to *****, a customer service supervisor. Well use the last four digits of your Social Security number to get your approval odds.
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