You can sue a debt collector. 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. We value your trust. 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. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. Everything you need is right here. Their reviews hold us accountable for publishing high-quality and trustworthy content. 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. MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. Your personal information and data are protected with 256-bit encryption. to maintain accurate information. The Good. 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. This allows you to see the terms you can expect before you apply. Your email Whats your email address? . First, Electronic Bank issues the credit card. Keep an eye on your inboxwell be sending over your first message soon. Abused? Call us today to find out how we may be able to assist you with your case. I can have peace now. I want this closed w/out hurting my score. You'll be able to see which card, credit limit, and terms you qualify for without impacting your credit score. Even though it's been less than 30 days. Kay Jewelers offers two credit cards one issued by Comenity Bank and one issued by Genesis FS Card Services. 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 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. For those approved for a $300 credit limit, there are several cardholder agreements. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. 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. 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! , which reports all federal complaints within the U.S. federal systems docket. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22. Compare offers side by side and apply online for the credit card that is right for you. 2023 ZDNET, A Red Ventures company. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. 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 Bankrate has answers. 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. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. 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. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Setup Autopay and ensure your payments are made on time every month. Lemberg Law received an A+ rating from the BBB. Your email address unlocks your approval odds. The Genesis FS Destiny Mastercard is ZDNet's top choice. Additionally, the *** used to open the account is outdated. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. All Rights Reserved. The Genesis Credit belief is "no one should be turned away from financing based solely on a FICO score." BBB is here to help. Increase non-taxable income or benefits included by 25%. Milestone is a registered trademark of Genesis FS Card Services, Inc. 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. Genesis Financial Solutions was founded in 2001 by a group of financial services experts. and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. 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. Member Alerts: There are no Member Alerts at this time. Privacy Policy. 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. This site does not include all credit card companies or all card offers available in the marketplace. In the U.S. call 1.800.MasterCard (1.800.627.8372). BBB Business Profiles are provided solely to assist you in exercising your own best judgment. 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. 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. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Worry free spending with $0 liability on unauthorized charges! Genesis FS Card Services is a debt collector located in Beaverton,OR. Get a Mastercard accepted online, in store and in app. 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. 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. Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. Either card can be used in any Kay Jewelers store or on the retailer's website. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. Its amazing what a ********************** business this company is. 10/10 recommend this law firm So happy with our settlement!, Fantastic experience! Also: The best starter credit card for no credit. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. We are Lemberg Law, a Consumer Law Firm. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Put $0 if you currently don't have a rent or mortgage payment. Violates the concept of fair use and acknowledgement of services, Any further responses to this will cost a charge of $5000. And haven't issued me a new card. 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. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. I have sent them this info several times now. 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. Home equity line of credit (HELOC) calculator. 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. In 2020, Tavant, a leader in the digital lending solutions industry, announced a partnership with Genesis to enhance the digital and mobile portal experience for customers using the most recent technology. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. Pros & Cons of Milestone credit card. CreditCards.com credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Genesis Financial Servicesoffers credit to the non-prime market, which is users who can't qualify for prime rates because of their credit history. You could be eligible for no annual or monthly maintenance fee with a 24.9% APR and 29.9% cash advance APR. The Destiny Mastercard is issued by First Electronic Bank . the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. (Note, in a call on 1/31/23, ******** Service Supervisor ***** confirmed GFS received this affidavit). . 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. How Does the CFPBs Debt Collection Rule Affect You? Z/t7{J S`4h``nL zUbQ =cCE@f0ix09b#}s1,f l/43BlwAC . What are index funds and how do they work? If a debt collector has contacted you, make sure you understand your rights before taking action. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. Yes, we would love to help. 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. ZDNET's editorial team writes on behalf of you, our reader. You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. Given how slow the legal system is, they were lightening fast! Worry free spending with $0 liability on unauthorized charges! Genesis FS Card Services does not cite who they specifically collect for on their website. Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. I m getting calls and dont have a card in hand, its been almost 3 years since I paid Gennis off and card expired and the started calling and I told them I had no card they failed to send. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. This collection company may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Your fee amounts and APR vary by the cardholder agreement you're approved for. Or, instead you can send a secure message to our legal team. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Our experts have been helping you master your money for over four decades. We are an independent, advertising-supported comparison service. 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! The Destiny Mastercard offers a $300 credit limit if you're approved, no deposit required. It is illegal to a debt collector to use empty threats to sue you or garnish your wages. We maintain a firewall between our advertisers and our editorial team. You can absolutely sue. 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. 1 836-9633. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. 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. 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. Please enter a valid email adress, Your phone Whats your phone number? . Write a comment below to share online. I have been on the phone numerous times with them. 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. In this catch-22 situation, it may seem like your options are limited. . Another option could be a $75 initial annual fee with a $99 annual fee each year after. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. By providing my email address, I agree to CreditCards.coms After filing a complaint with the card company they canceled my card. Accuracy, independence and authority remain as key principles of our editorial guidelines. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59. Theyre legit. 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. 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. They know exactly what is going on here and what the issues have been. Make a payment with confidence knowing your account is protected with our fast and secure system. $0 cash advance fee during the first year. 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. endstream endobj startxref Were sorry, but something went wrong and we couldnt find your approval odds. View statements, enroll in paperless statements, pay your bill, update your contact information, and more! Bankrate.com is an independent, advertising-supported publisher and comparison service. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. Content published under this author byline is generated using automation technology. You could qualify for a $300 credit limit with an annual and yearly recurring maintenance fee of $35 or $59. Learn the Law & Sue the Collector. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. Member FDIC, 150.95.110.252 Our goal is to give you the best advice to help you make smart personal finance decisions. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. This website is attorney advertising: prior results do not guarantee a similar outcome. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. However, all credit card information is presented without warranty. Avoid the worry of making payments with Autopay. They know exactly what and WHEN has happened. ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. 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). 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . There are several cardholder agreements you could qualify for with a $300 credit limit. Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. Like the other Genesis Mastercards, the Milestone. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. Late payment and returned payment fees are also up to $40. 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. 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. 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. For that reason, if the lack of annual fees is a crucial factor for you, the Indigo Mastercard might not be the best choice. 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. After the financial crisis of 2008, the group realized how much demand there was among consumers with low credit scores or limited credit history. 0 hWkk9+%ghA&ljp`K\ilQuGBFXN(n4QByQBRhjcZbURd,lI5Il(2H(11)A2`tF6YAs,F& Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. About every two weeks, I get a solicitation from this business for a credit card. 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. Towed one time. Who are we? The Milestone Gold Mastercard also comes with a $500 credit limit with various cardholder agreements. 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. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. Your credit cards journey is officially underway. No more harassing calls from them bothersome credit card companies.