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%@H2U``bd`qo0 A_ 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. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. 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. Milestone Card reports to all three credit bureaus. *May also include monthly maintenance fees. Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. Click to reveal Content published under this author byline is generated using automation technology. Genesis also offers Genesis credit, which extends second-look financing to consumers who don't qualify for prime lenders. What to do when you lose your 401(k) match, Capital One Platinum vs. Capital One QuicksilverOne, California Consumer Financial Privacy Notice. Gen says it is in a dispute status, but then placed it back into repayment status, charging interest. 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. 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. 10/10 recommend this law firm So happy with our settlement!, Fantastic experience! And haven't issued me a new card. Pros & Cons of Milestone credit card. Make a payment with confidence knowing your account is protected with our fast and secure system. This happened after the death of my son. Genesis FS Card Services is a debt collector located in Beaverton,OR. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. I am not comfortable doing this as fax is an insecure form of communication, nor am I willing to spend money to send a copy of my DL via ***** GFS already has sufficient information to mark this account as fraudulent and close the account. Call us today. Avoid the worry of making payments with Autopay. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59. In order to close account, charge of $75 annual fee still charged. 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. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Note, however, that once you apply, a hard inquiry will appear on your credit report. Reasonable efforts are made Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. Setup Autopay and ensure your payments are made on time every month. 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. By providing my email address, I agree to CreditCards.coms Your annual fee will also depend on your credit profile and can be $35, $59 or $75 in the first year and $99 thereafter. Another option could be a $75 initial annual fee with a $99 annual fee each year after. 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). 1 836-9633. They just say they are working on it, it is total fraud and someone billed this and took the money but Genesis will not confirm anything or help. 2023 ZDNET, A Red Ventures company. 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. Find out who they are, why they might be calling, and how you can stop them. they got it but keep denying it and it's on my bank statement. The $500 credit limit comes with one of three cardholder agreements. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Call our Helpline today! See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. 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. 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. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. What are index funds and how do they work? The cards let consumers purchase products and services to meet everyday needs.. $35. 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! Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. Take credit for your accomplishments. \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! Member Alerts: There are no Member Alerts at this time. + Has been meticulously serviced and maintained. 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). Cloudflare Ray ID: 7a2f66e58cdb1faf . February 18, 2023 @dameonwallace09 Verified Customer Was approved for a $700 credit line. Your email Whats your email address? Testing RFID blocking cards: Do they work? If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. 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. If you have a low credit score, it can be challenging to qualify for a credit card. 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. Find out what Genesis FS credit cards and financial services has to offerand what you might qualify for. Accuracy, independence and authority remain as key principles of our editorial guidelines. With various cardholder agreements for each credit card, most consumers with bad or poor credit can qualify. 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. Write a comment below to share online. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. 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. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? (Note, in a call on 1/31/23, ******** Service Supervisor ***** confirmed GFS received this affidavit). Federal Law allows you to protect your FDCPA rights in court via lawsuit. Bankrate.com is an independent, advertising-supported publisher and comparison service. Submitting a response indicates a willingness to work with customers to make things right. 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. Get Free BBB A+ Attorney. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. 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. 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. H/9d.eJ?SL%~8-/hvQ@Y\F:} q5N .N E^u''\. Worry free spending with $0 liability on unauthorized charges! Setup AutoPay for even more Convenience They kept me up to speed the whole way. Get a Mastercard accepted online, in store and in app. BBB Business Profiles generally cover a three-year reporting period. Genesis FS Card Services has received a many complaints over its time in business. Timing chain failure, crankshaft and oil leaking in pistons. . I have tried numerous times to correct all of this. Your credit cards journey is officially underway. See details. However, it, Things You Can Do Yourself When You Have a Lemon, Background Check Errors Can Cost you a Job and So Much More, Tenant Data Services Screening Report Dispute False Info or Errors, How to dispute background check errors that cost you a job, A collector has called you in the early morning or late night, A debt collector attempts to collect more than you owe, A collection company threatened you with negative credit reporting, A debt collector attempts to intimidate you, A collector accused you of criminal conduct. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Compared to a secured credit card, an unsecured credit card doesn't require collateral or a deposit into a savings account for approval. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. It is illegal to a debt collector to use empty threats to sue you or garnish your wages. Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. Performance & security by Cloudflare. The Destiny Mastercard is issued by First Electronic Bank . Genesis Financial Solutions was founded in 2001 by a group of financial services experts. And they do it while incommunicado, from a position of concealment. This site does not include all financial companies or all available financial offers. The Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. The Good. Your email address unlocks your approval odds. Z/t7{J S`4h``nL zUbQ =cCE@f0ix09b#}s1,f l/43BlwAC . Their reviews hold us accountable for publishing high-quality and trustworthy content. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. Neither ZDNET nor the author are compensated for these independent reviews. 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. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22. . 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? This is not legal advice. 150.95.110.252 The, Check engine on and kicking into high RPM. 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. This site does not include all credit card companies or all card offers available in the marketplace. You can sue a debt collector. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Genesis FS Card Services has received a many complaints over its time in business. Late payment and returned payment fees are also up to $40. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. No more harassing calls from them bothersome credit card companies. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. BBB Business Profiles may not be reproduced for sales or promotional purposes. 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. More informationClose The Bad. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. 2023Genesis FS Card Services Inc., All Rights Reserved. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Get Pre-Qualified today for the Milestone Mastercard Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. 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. 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. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Celtic Bank issues the Genesis FS Indigo Mastercard. And only the fraud department can remove it and issue me a new card. 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. 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. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. 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. 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 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. Theyre legit. One of our staff members will call you shortly. 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. Do you need one? First, Electronic Bank issues the credit card. For those approved for a $300 credit limit, there are several cardholder agreements. Make a payment with confidence knowing your account is protected with our fast and secure system. , which reports all federal complaints within the U.S. federal systems docket. Genesis FS Card Services does not cite who they specifically collect for on their website. At Bankrate, we take the accuracy of our content seriously. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. 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. In total you're paying $193 in fees just to have an account with them. $0 Fraud Liability for unauthorized use offers you peace of mind, Access to an unsecured credit card - no security deposit required, Nationwide acceptance - use anywhere Mastercard is accepted in app, in store, and online, Pre-qualifying is quick and easy and will let you know if you are qualified without impacting your credit score, Reports your payments to all three major credit bureaus, Use your card in app, in store, and online - Nationwide wherever Mastercard is accepted, Build on your credit history with the Milestone Mastercard, Quick and easy pre-qualification that does not impact your credit score.