Abused? I have a milestone credit card thru these guys. 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. But it also depends on your credit score and financial history. While we adhere to strict Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. 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. Your author Whats your name? Get credit for all of your hard work. Their focus at first was on consumer loans. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. 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. 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. $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. Consumer Accounts - genesis-fs.com You'll be able to see which card, credit limit, and terms you qualify for without impacting your credit score. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. , and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Contact . 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.. 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. Click to reveal 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. They know exactly what and WHEN has happened. 19 Chevy trax with 31K on it has been having an issue with the transmission Module throwing a code. You can sue a debt collector. 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. ZDNET's editorial team writes on behalf of you, our reader. 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. Thank you for all your help., INCREDIBLE EXPERIENCE! 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. 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%. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. A Red Ventures company. 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. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. 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. I have tried numerous times to correct all of this. 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. Milestone Mastercard Reviews: Is It Any Good? (2023) | SuperMoney 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. MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Dont worry, we wont spam your inbox. The high costs aside, the card can still deliver on its promise to help build your credit with responsible use. Genesis is the nation's largest "second-look" merchant financing provider. Genesis FS Credit Cards & Card Services | CreditCards.com Avoid the worry of making payments with Autopay. 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. In case you dont qualify, the issuer may suggest card options from a partner bank. Well guide you through the process. Has been meticulously serviced and maintained. *May also include monthly maintenance fees. Customer Service will not help me. 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. , which reports all federal complaints within the U.S. federal systems docket. Late payment and returned payment fees are also up to $40. 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. 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! 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. 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. How much should you contribute to your 401(k)? 2023 ZDNET, A Red Ventures company. One of our staff members will call you shortly. Everything you need is right here. 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. 14600 Greenbrier Parkway, Beaverton, OR 97006. Bankrates editorial team writes on behalf of YOU the reader. Like the other Genesis Mastercards, the Milestone. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. Setup AutoPay for even more Convenience Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. 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. How is this company allowed to continue to operate?? When you buy through our links, we may earn a commission. I have sent them this info several times now. Everything you need is right here. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. 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. Genesis Financial Servicesoffers credit to the non-prime market, which is users who can't qualify for prime rates because of their credit history. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. they got it but keep denying it and it's on my bank statement. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. 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. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Everything you need is right here. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Genesis FS Card ServicesGenesis FS Card Services is debt collector located in Beaverton,OR. I wish I would have never opened this credit card. they stick together and read notes to keep saying the same thing, so I contact my bank for the other $200, and they go to my milestone card and reverse payment from there and add . 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. 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. Federal Law allows you to protect your FDCPA rights in court via lawsuit. Get Free BBB A+ Attorney. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement.