Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. 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. Timing chain failure, crankshaft and oil leaking in pistons. Increase non-taxable income or benefits included by 25%. Customer Service will not help me. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. 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. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. 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. 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. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. MasterCard is an Equal Opportunity Employer. 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. 319 0 obj
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Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. Worry free spending with $0 liability on unauthorized charges! Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. They easily called Genesis and changed my info (address especially, will explain) to a ******* address and asked for new cards, which Genesis promptly did and sent them. BBB Business Profiles may not be reproduced for sales or promotional purposes. 2019 f250 just hit 70,000 miles so I cant lemon law it. Get a Mastercard accepted online, in store and in app. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. How much should you contribute to your 401(k)? Gen says it is in a dispute status, but then placed it back into repayment status, charging interest. It appears as though there are a variety of different complaints against this collections company alleging violations of the Fair Debt Collection Practices Act (FDCPA). Federal Law allows you to protect your FDCPA rights in court via lawsuit. Note, however, that once you apply, a hard inquiry will appear on your credit report. hbbd```b``V 5 id`u"YHF
05Xv"X0yLn"$ Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. endstream
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Milestone Card reports to all three credit bureaus. I'm told there is a temporary block on the account. document.write(new Date().getFullYear()) Genesis Financial Solutions. This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. Keep billing me interest and finally attack my credit rating when the interest they illegally charge is. Cloudflare Ray ID: 7a2f66e58cdb1faf BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. , which reports all federal complaints within the U.S. federal systems docket. 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. it was a everyday thing 2 to 4 calls a day. %%EOF
Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. The main difference is theres a chance you wont have to pay an annual fee. The $500 credit limit comes with one of three cardholder agreements. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Yes. Their focus at first was on consumer loans. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. Should you accept an early retirement offer? Those who have 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). Genesis FS Card Services has received a many complaints over its time in business. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. I am receiving multiple calls a day at work to my work number. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. 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. 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. How is this company allowed to continue to operate?? The Indigo Platinum Mastercard is issued by Celtic Bank, a Utah-Chartered Industrial Bank,
Write a comment below to share online. They constantly are giving me the run-around. Avoid the worry of making payments with Autopay. The best starter credit card for no credit, 5 ways to improve your credit score without a credit card, Do Not Sell or Share My Personal Information, Can pre-qualify without affecting credit score, Separate monthly maintenance fee on certain cardholder agreements, Pre-qualifying will not affect credit score, Can be approved for up to $1,000 credit limit, May receive high first-year annual fee, reducing purchase power, Pre-qualifying won't affect your credit score, Terms are cumbersome with low credit limit. View statements, enroll in paperless statements, pay your bill, update your contact information, and more! Your email Whats your email address? . When you buy through our links, we may earn a commission. 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. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. 339 0 obj
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At the same time, a new credit card can be essential to establishing good credit. Like the other Genesis Mastercards, the Milestone. Once you've decided which card fits your needs, apply for it. they got it but keep denying it and it's on my bank statement. endstream
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Have you had a bad experience with this agencys debt collectors? There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? We maintain a firewall between our advertisers and our editorial team. 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. Many of the card offers that appear on this site are from companies from which we receive compensation. 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. . And they do it while incommunicado, from a position of concealment. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. All Rights Reserved. 19 Chevy trax with 31K on it has been having an issue with the transmission Module throwing a code. Accounts with Merchants Not Specified Below The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. 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). Neither ZDNET nor the author are compensated for these independent reviews. 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 If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. 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. All Rights Reserved. . 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. This wont impact your credit score. Or, instead you can send a secure message to our legal team. Our editorial team does not receive direct compensation from our advertisers. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. 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. 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. By providing my email address, I agree to CreditCards.coms Now wanting a late fee. There are several cardholder agreements you could qualify for with a $300 credit limit. They won't answer that question. Everything you need is right here. Every time I contact them. Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. 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. Check the data at the top of this page and the bank's website for the most current information. Our goal is to give you the best advice to help you make smart personal finance decisions. You could qualify for a $300 credit limit with an annual and yearly recurring maintenance fee of $35 or $59. Genesis FS Card Services does not cite who they specifically collect for on their website. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Get credit for all of your hard work. Abused? Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. 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. Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. This site does not include all credit card companies or all card offers available in the marketplace. Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. In order to close account, charge of $75 annual fee still charged. 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.