Once you've decided which card fits your needs, apply for it. Best Genesis FS credit card overall (and for those with bad credit), These Experts Are Racing to Protect AI From Hackers. + More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. 2023Genesis FS Card Services Inc., All Rights Reserved. Worry free spending with $0 liability on unauthorized charges! And only the fraud department can remove it and issue me a new card. The Genesis FS Destiny Mastercard is ZDNet's top choice. This website is using a security service to protect itself from online attacks. See the best credit card offers from Genesis FS Card Services below. Harassed? Read more about the firm. Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. Here's an explanation for how we make money 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. Well guide you through the process. 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. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. After filing a complaint with the card company they canceled my card. Has been meticulously serviced and maintained. Setup Autopay and ensure your payments are made on time every month. But it also depends on your credit score and financial history. Genesis FS Card Services should be considered a legitimate business due to the companys years of experience. Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. Log in - Genesis Credit The account information includes my maiden name and a phone number that hasnt been used in over a decade.During a call on 1/31/23, GFS first told me there was nothing else they could do since the case had been resolved in their system. Thanks so much to the lawyers and staff at Lemberg Law!, Lemberg Law firm, did a great job representing me against a big and powerful company, they got me a fair but very good deal for me and the company, felling grateful with them.. 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. Therefore, it is very important that as a consumer you clarify with the company about who you allegedly owe. 339 0 obj <>/Filter/FlateDecode/ID[<657F821A7DA778489D3EBA56E0CEA30E>]/Index[319 56]/Info 318 0 R/Length 107/Prev 423890/Root 320 0 R/Size 375/Type/XRef/W[1 3 1]>>stream Genesis Financial Solutions was founded in 2001 by a group of financial services experts. Still, considering the high cash advance APR (29.9 percent) that kicks in immediately when you borrow cash against your credit line, youll want to avoid use this feature sparingly. 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. We value your trust. Your author Whats your name? Genesis FS Card Services has received a many complaints over its time in business. 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. Today, Genesis Financial Solutions provides three card options to help people in difficult credit circumstances get on their feet. Genesis FS Card Services does not cite who they specifically collect for on their website. BBB Business Profiles generally cover a three-year reporting period. 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. Should you accept an early retirement offer? Home Page - Kay Jewelers As a result, the company began offering credit cards for these types of consumers. For those approved for a $300 credit limit, there are several cardholder agreements. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. endstream endobj startxref Or, instead you can send a secure message to our legal team. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. Setup AutoPay for even more Convenience We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. 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. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Everything you need is right here. Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Have you had a bad experience with this agencys debt collectors? Bankrate has answers. Sound off and share your experience with other visitors in the comment box below. Here are the best offers for Genesis FS Card Services credit cards. $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. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. 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. Keep an eye on your inboxwell be sending over your first message soon. This wont impact your credit score. I wish I would have never opened this credit card. editorial integrity, Which certificate of deposit account is best? If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Testing RFID blocking cards: Do they work? Theyre legit. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Well use the last four digits of your Social Security number to get your approval odds. 300-670 (Bad to Fair) Extended warranty and price protection on purchases. Aja is the author of "How a Mother Should Talk About Money with Her Daughter.". 150.95.110.252 The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. In the U.S. call 1.800.MasterCard (1.800.627.8372). . The, Check engine on and kicking into high RPM. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. Yes, we would love to help. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22. Eastern, or. Take credit for your accomplishments. 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. By providing my email address, I agree to CreditCards.coms Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. 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. Privacy Policy. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Your personal information and data are protected with 256-bit encryption. 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. Milestone Mastercard Reviews: Is It Any Good? (2023) | SuperMoney As a matter of policy, BBB does not endorse any product, service or business. I want this closed w/out hurting my score. genesis fs card charge on bank statement Terms apply to the offers listed on this page. 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. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Your email address unlocks your approval odds. They won't answer that question. 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. Fortunately, there are credit cards on the market designed for people in these situations. The Milestone Gold Mastercard also comes with a $500 credit limit with various cardholder agreements. Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Accuracy, independence and authority remain as key principles of our editorial guidelines. 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. After being transferred 4 times, I was finally able to speak to *****, a customer service supervisor. They have the records and they act like they don't. 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 Then, both cards have $700 limits and they allowed them to be run up to roughly $1500 on each card!! In this catch-22 situation, it may seem like your options are limited. Landmark Supreme Court Decision Made in Lemberg Laws Facebook Robocalling Suit, Lemberg Law Wins Class Certification in Robocall Case. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. Yes. You may be approved with a $59 annual and yearly fee each year after, with either a 24.9% or 29.9% APR and a 29.9% cash advance APR. However, all credit card information is presented without warranty. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. 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 . PDF Genesis Credit Account - Consumer Financial Protection Bureau Setup AutoPay for even more Convenience Call us today to find out how we may be able to assist you with your case. But we compared the three credit card options altogether for people with bad credit. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. , which reports all federal complaints within the U.S. federal systems docket. At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. In case you dont qualify, the issuer may suggest card options from a partner bank. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. You can sue a debt collector. 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. Be wise, do not write off this collections company as a scam. \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! 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. Bankrate.com is an independent, advertising-supported publisher and comparison service. 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. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. 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. All Rights Reserved. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. Read on to learn more about this company and what it offers. Home equity line of credit (HELOC) calculator. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. The firms main office is located at 43 Danbury Road, Wilton, Connecticut. 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. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. This site does not include all credit card companies or all card offers available in the marketplace. Find out what Genesis FS credit cards and financial services has to offerand what you might qualify for. However, the collections company typically collects on credit card debt according to many complainants. Take a look at the link above to find out whether this collections company falls within this category. GENESIS FINANCIAL SOLUTIONS - 18 Reviews - Yelp I am at the end of my rope with this company. He has been repeatedly recognized as the most active consumer attorney in the country. Credit Cards Reporter and Young Credit Analyst, Connect with Cathleen McCarthy on Twitter, Connect with Cathleen McCarthy on LinkedIn. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. Please call me Monday 8/15. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. Also: The best starter credit card for no credit.