Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. 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. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. They know exactly what and WHEN has happened. 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. First, Electronic Bank issues the credit card. At Bankrate, we take the accuracy of our content seriously. Call our Helpline today! Genesis FS Card Services should be considered a legitimate business due to the companys years of experience. 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. I'm told there is a temporary block on the account. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. 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). 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. 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. When you click on As a result, the company began offering credit cards for these types of consumers. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Indigo is a registered trademark of Genesis FS Card Services, Inc. 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. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59. 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. Eastern, or. Avoid the worry of making payments with Autopay. Each card comes with either a 24.9% or 29.9% APR for interest and cash advances. 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. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. They have the records and they act like they don't. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Disgustingly 4-6 emails daily, Spam phish credit card email trying to steal personal information, We made only 2 orders on the *** website the dates are order # 1 Nov 25,2022 $1,045.54 Order # 2 Nov 28,2022 $365.06 6 items in each order We returned the following 4 items in the store with the manager at ********* Bronx ** on dec 3,2022 1)Black bracelet item #********* $59.99(we returned it because it was the wrong item)2) praying hands charm item #*********(returned to small)3)letter o charm item #********* (Returned to small)4)men wedding band black and white diamond ring item #********* (Returned to small)We then received a couple of days later the correct black bracelet item #********* So total of 3 items were returned to your company Total amount for 2 Orders without returns $1,045.54+$365.06=$1,410.60 Total statement should be after returns we made is $957.01 which your company received the returned items on dec 3,2023 Jan and Feb statement from *** credit card company is $1,380.54 as you can see from the attachment And the statement should be $957.01 not ($1380.54)This has been going on for 2 long months and hours and hours on the phone with so many different reps we will not pay for items that were already returned we are being overcharge in the amount of $423.86 and charged a late fee of $40I hope this is the final step to solving this problem in a timely manner. 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. 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. Everything you need is right here. You may also get approved with a $75 initial annual fee and then $99 each year after. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access 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. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Check back here for Security Notices and other important information. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. Don't forget that the annual and monthly maintenance fees lower your available credit limit, so plan purchases accordingly so you don't get hit with an overlimit fee. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Get Pre-Qualified today for the Milestone Mastercard They constantly are giving me the run-around. Customer Reviews are not used in the calculation of BBB Rating, Everyday for the last year they send out mass emails daily. Multiple credit card perks. 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. When your credit isnt in the best shape, many of the credit card options available to you may be secured cards, which require a security deposit at the time of application. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. If we have made an error or published misleading information, we will correct or clarify the article. Your annual fee will also depend on your credit profile and can be $35, $59 or $75 in the first year and $99 thereafter. After filing a complaint with the card company they canceled my card. 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. Bankrate follows a strict + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? This is not legal advice. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. There is no charge unless we win. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. Lemberg Law received an A+ rating from the BBB. Accounts with Merchants Not Specified Below Please enter a valid phone number. Kay Jewelers offers two credit cards one issued by Comenity Bank and one issued by Genesis FS Card Services. 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. Genesis FS Card ServicesGenesis FS Card Services is debt collector located in Beaverton,OR. $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. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. 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. 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. Additionally, the *** used to open the account is outdated. Please call me Monday 8/15. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. You could be eligible for no annual or monthly maintenance fee with a 24.9% APR and 29.9% cash advance APR. You might qualify for a $59 annual fee with either a 24.9% or 29.9% APR and a 29.9% cash advance APR or a $125 annual fee with a 29.9% cash advance and purchase APR. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. I did not make the purchase. The Milestone Gold and Indigo Genesis FS credit cards come with more favorable terms, such as lower APRs and fees, and a credit limit of up to $1,000 for those who qualify. Who are we? There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Unlawful Debt Harassment? So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. This card also comes with a 29.9% APR with $75 initial annual fee and $99 annual fee each year after, or a $125 annual fee starting in year one. , and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Contact . Even though it's been less than 30 days. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. Z/t7{J S`4h``nL zUbQ =cCE@f0ix09b#}s1,f l/43BlwAC . We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. 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. 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. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." This site does not include all credit card companies or all card offers available in the marketplace. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. Milestone Card reports to all three credit bureaus. Compared to a secured credit card, an unsecured credit card doesn't require collateral or a deposit into a savings account for approval. Genesis FS Card Services does not cite who they specifically collect for on their website. Federal Law allows you to protect your FDCPA rights in court via lawsuit. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Testing RFID blocking cards: Do they work? The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. I have a few credit cards through this company. BBB Business Profiles are subject to change at any time. In case you dont qualify, the issuer may suggest card options from a partner bank. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. 767 complaints closed in the last 12 months. Neither ZDNET nor the author are compensated for these independent reviews. This website is using a security service to protect itself from online attacks. Register . Sound off and share your experience with other visitors in the comment box below. H/9d.eJ?SL%~8-/hvQ@Y\F:} q5N .N E^u''\. 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. Get Free BBB A+ Attorney. When you apply, you will be instructed by a representative of the retailer to take a copy of this document. I have a milestone credit card thru these guys. The Milestone Gold Mastercard also comes with a $500 credit limit with various cardholder agreements. %PDF-1.5 % See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. There are several cardholder agreements you could qualify for with a $300 credit limit. See the online credit card applications for details about the terms and conditions of an offer. In the U.S. call 1.800.MasterCard (1.800.627.8372). Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. All Rights Reserved. Click the Apply Online button to review the terms and conditions of the offer on the card issuer's web site. All Rights Reserved. Either card can be used in any Kay Jewelers store or on the retailer's website. Check the data at the top of this page and the bank's website for the most current information. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. 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. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. The offers that appear on this site are from companies from which CreditCards.com receives compensation. At Bankrate we strive to help you make smarter financial decisions. Thank you for all your help., INCREDIBLE EXPERIENCE! Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies.