genesis fs card charge on bank statement

Additionally, the *** used to open the account is outdated. Jaguar Land Rover to Pay $26,500 for Lemon Law Violation. 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. %@H2U``bd`qo0 A_ 2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . You can absolutely sue. 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. 2023Genesis FS Card Services Inc., All Rights Reserved. (Note, in a call on 1/31/23, ******** Service Supervisor ***** confirmed GFS received this affidavit). Because only Genesis FS Card Services, Inc. is sending me repeated solicitations that are exactly the same, and in a amount and frequency that is simply harassing. The Fair Debt Collection Practices Act prohibits this action. The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. Learn More GENESIS CREDIT Do you need one? Whether you're looking to build credit as a new user or rebuild credit after a bankruptcy or string of delinquencies causing your score to drop, a Genesis FS credit card may be the solution for you. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. Get credit for all of your hard work. Register . I did not make the purchase. Take credit for your accomplishments. Impressively, this collections company has also received an A- rating from the Better Business Bureau and has been BBB Accredited. 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. Misled by a collector? About every two weeks, I get a solicitation from this business for a credit card. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Worry free spending with $0 liability on unauthorized charges! Your email address unlocks your approval odds. One of our staff members will call you shortly. 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. I have a milestone credit card thru these guys. Everything you need is right here. , which reports all federal complaints within the U.S. federal systems docket. Your IP: 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! However, all credit card information is presented without warranty. editorial policy, so you can trust that our content is honest and accurate. I am receiving multiple calls a day at work to my work number. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This website is using a security service to protect itself from online attacks. Thank you for requesting your free case evaluation. Genesis Financial Solutions, on the other hand, offers unsecured options, but all of them come with rather hefty annual fees. All rights reserved. There are many criteria used to choose these credit cards, including: If you don't find a Genesis FS credit card that is the right fit, you can also consider: What is the best Genesis Financial Solutions credit card? 2019 f250 just hit 70,000 miles so I cant lemon law it. 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. 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. I want them to promptly close this fraudulent account and report it to the credit bureaus as fraudulent. 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. 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. The Bad. 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. Note, however, that once you apply, a hard inquiry will appear on your credit report. Reasonable efforts are made to maintain accurate information. The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. I have tried numerous times to correct all of this. This is not legal advice. 4 months ago I noticed some fraudulent charges on the account. 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. Lemberg Law received an A+ rating from the BBB. If a debt collector has contacted you, make sure you understand your rights before taking action. I have ALREADY filed complaints with Transunion among others. 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. Genesis Financial Solutions is one of the companies that offer credit cards for customers with poor or limited credit. The company has been operating for 20 years in the consumer financial services industry and is the largest non-prime servicing financier in the U.S. for merchants. 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. In the U.S. call 1.800.MasterCard (1.800.627.8372). Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Submitting a response indicates a willingness to work with customers to make things right. The card charges a $75 annual fee in the first year and a $99 annual fee after that, or an ongoing $59. Eastern, or. These statements cannot be true. 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 Our goal is to give you the best advice to help you make smart personal finance decisions. 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. 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. If you have a low credit score, it can be challenging to qualify for a credit card. 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. 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. Genesis FS Card Services has received a many complaints over its time in business. We are Lemberg Law, a Consumer Law Firm. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. Be wise, do not write off this collections company as a scam. As a matter of policy, BBB does not endorse any product, service or business. Performance & security by Cloudflare. Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. Genesis has placed fraudulent charges on a line of credit from a retailer, Ashley Furniture. 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. 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. The Indigo Mastercard also comes with a $700 or $1,000 credit limit with a $59 annual fee and 29.9% cash advance and purchase APR. Get a Mastercard accepted online, in store and in app. There are several cardholder agreements you could qualify for with a $300 credit limit. we equip you to harness the power of disruptive innovation, at work and at home. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. They won't answer that question. 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 BBB Business Profiles generally cover a three-year reporting period. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. I have been on the phone numerous times with them. If you have any questions about this document or the Genesis Credit Account, please call Genesis FS Card Services at 1-866-502-6439. 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. They know they closed off my access to these cards. They have records and act like they don't. Depending on your credit history and other criteria, you can get approved for a $300$700 unsecured credit limit on the Destiny Genesis FS credit card. Bankrate has answers. Extended warranty and price protection on purchases. Put $0 if you currently don't have a rent or mortgage payment. 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. With either card, you can enjoy the following perks: $100 off during your birthday month; $100 off during your cardholder anniversary month; Access to . BBB Business Profiles are subject to change at any time. Thank you for all your help., INCREDIBLE EXPERIENCE! Check the data at the top of this page and the bank's website for the most current information. $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. Yes, we would love to help. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. The Milestone Mastercard is issued by The Bank of Missouri and serviced by Genesis FS Card Services, Inc. (NMLS #1549514) Who are we? 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. Please call me Monday 8/15. You're working hard to achieve your goals and a challenging credit history shouldn't stand in your way. Offers auto rental collision damage waiver. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Unlawful Debt Harassment? 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. + February 18, 2023 @dameonwallace09 Verified Customer Was approved for a $700 credit line. Your annual fee will also depend on your credit profile and can be $35, $59 or $75 in the first year and $99 thereafter. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. All Rights Reserved. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. Yes. By providing my email address, I agree to CreditCards.coms + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? Reasonable efforts are made They have the records and they act like they don't. 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. Credit Cards Reporter and Young Credit Analyst, Connect with Cathleen McCarthy on Twitter, Connect with Cathleen McCarthy on LinkedIn. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. It is illegal to a debt collector to use empty threats to sue you or garnish your wages. In that regard, the solicitations only have a contact for the national opt out for pre-screening of credit offers, owned and operated by the big three credit reporting bureaus. 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 . The high costs aside, the card can still deliver on its promise to help build your credit with responsible use. Privacy Policy. Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. They kept me up to speed the whole way. In order to close account, charge of $75 annual fee still charged. How Does the CFPBs Debt Collection Rule Affect You? There is little confirmation available from the collections company on who they specifically work with. Many of the card offers that appear on this site are from companies from which we receive compensation. All Rights Reserved. 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. Depending on the offer you qualify for, you may be required to pay: You might not need to pay an annual fee, but theres no guarantee that youll get this offer, especially if you have a low credit score. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. . Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. 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. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Your personal information and data are protected with 256-bit encryption. Please enter a valid phone number. 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. 1 836-9633. Worry free spending with $0 liability on unauthorized charges! Fortunately, there are credit cards on the market designed for people in these situations. hb```@(0 You have money questions. 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. Learn the Law & Sue the Collector. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. In case you dont qualify, the issuer may suggest card options from a partner bank. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. 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. 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. 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 Destiny Mastercard also comes with a $700 credit limit, which comes with a 35.9% cash advance and an interest rate of 35.9%. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. I want this closed w/out hurting my score. Note that complaint text that is displayed might not represent all complaints filed with BBB. this post may contain references to products from our partners. 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. 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. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. 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. Our experts have been helping you master your money for over four decades. 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. . Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. This Genesis FS credit card has the best terms of the three, which typically means you have to have a better credit profile to be approved. Your author Whats your name? One of these FRAUDULENT accounts was for an Ashley ********* purchase financed through Genesis FS (GFS) for $974.58, which I did not make or authorize. 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. Weve helped more than 15,000 consumers stop harassment and recover money from debt collectors. 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. Bankrate.com is an independent, advertising-supported publisher and comparison service. If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. Take a look at the link above to find out whether this collections company falls within this category. Genesis Financial Solutions was founded in 2001 by a group of financial services experts. Our editorial team does not receive direct compensation from our advertisers. 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 editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. 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. See details. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. I wish I would have never opened this credit card. Genesis fs card services is harassing me to contact them or 'I assume' they will: 1. 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. Their reviews hold us accountable for publishing high-quality and trustworthy content. Keep an eye on your inboxwell be sending over your first message soon. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. 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.. Also: The best starter credit card for no credit. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. We maintain a firewall between our advertisers and our editorial team. The best Genesis FS credit card is the Genesis FS Destiny Mastercard. The Indigo Platinum Mastercard is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Now wanting a late fee. endstream endobj startxref 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. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 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. Timing chain failure, crankshaft and oil leaking in pistons. Member Alerts: There are no Member Alerts at this time. 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. Here's an explanation for how we make money Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. editorial integrity, Get Free BBB A+ Attorney. On the, It is also possible that this collections company could have been a part of a variety of lawsuits, sanctions, and penalties according to, Public Access to Court Electronic Records (PACER). Genesis FS Card Services has received a many complaints over its time in business. Genesis FS Card Services has received a many complaints over its time in business. 767 complaints closed in the last 12 months. 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. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. While we adhere to strict View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. it was a everyday thing 2 to 4 calls a day. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. Genesis is the nation's largest "second-look" merchant financing provider. The $500 credit limit comes with one of three cardholder agreements. Even though it's been less than 30 days. Milestone is a registered trademark of Genesis FS Card Services, Inc. Well use this information to to verify your credit profile. The Good. . 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. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate.

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