Make a payment with confidence knowing your account is protected with our fast and secure system. Genesis FS Card Services has received a many complaints over its time in business. Another option could be a $75 initial annual fee with a $99 annual fee each year after. MY QUESTION TO THAT was why didn't they ask the person who called in to change my address to do the same thing??? How is this company allowed to continue to operate?? If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. 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 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. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Dont worry, we wont spam your inbox. There are several cardholder agreements you could qualify for with a $300 credit limit. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. 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. Eastern, or. BBB Business Profiles may not be reproduced for sales or promotional purposes. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. While we adhere to strict 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). destiny.myfinanceservice.com - Home Page - Destiny Mastercard The main difference is theres a chance you wont have to pay an annual fee. The Destiny Mastercard offers a $300 credit limit if youre approved, no deposit required. 2023Genesis FS Card Services Inc., All Rights Reserved. this post may contain references to products from our partners. Genesis FS Card Services has received a many complaints over its time in business. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Make a payment with confidence knowing your account is protected with our fast and secure system. Write a comment below to share online. Customer Service will not help me. $0 cash advance fee during the first year. The Genesis FS Destiny Mastercard credit card is one solution for people with bad-to-poor credit looking to build a better credit profile. 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. 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. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. Milestone Mastercard Reviews: Is It Any Good? (2023) | SuperMoney Genesis FS Card Services is a debt collector located in Beaverton,OR. 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. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Therefore, the company and the alleged debt that you may have been contacted about should be taken seriously. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. The cards let consumers purchase products and services to meet everyday needs.. $35. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. Genesis Financial Solutions | Home - WELCOME TO GENESIS Many of the card offers that appear on this site are from companies from which we receive compensation. Call us today. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. 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. 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. Please enter a valid email adress, Your phone Whats your phone number? 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. This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. ZDNET independently tests and researches products to bring you our best recommendations and advice. And haven't issued me a new card. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. Credit Cards Reporter and Young Credit Analyst, Connect with Cathleen McCarthy on Twitter, Connect with Cathleen McCarthy on LinkedIn. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. Genesis FS uses Indigo and Milestone Mastercard to offer non-prime users credit cards. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. BBB is here to help. Late payment and returned payment fees are also up to $40. About every two weeks, I get a solicitation from this business for a credit card. 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. I only want Genesis FS Card Services, *** to stop. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. How much should you contribute to your 401(k)? Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. Theyre legit. First, Electronic Bank issues the credit 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. Keep billing me interest and finally attack my credit rating when the interest they illegally charge is. Genesis is the nation's largest "second-look" merchant financing provider. Offers auto rental collision damage waiver. Milestone is a registered trademark of Genesis FS Card Services, Inc. However, all credit card information is presented without warranty. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. Who are we? The Destiny Mastercard is issued by First Electronic Bank . First Electronic Bank This document applies to consumers who apply for a Genesis Credit Account. Everything you need is right here. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. Get credit for all of your hard work. to maintain accurate information. They have the records and they act like they don't. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. Ana Staples is a reporter for Bankrate and an expert on all things credit basics and personal finance for the younger generation. Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. Content published under this author byline is generated using automation technology. Keep an eye on your inboxwell be sending over your first message soon. 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. Here's an explanation for how we make money Apply and Get a Quick Decision for the Indigo Card Note, however, that once you apply, a hard inquiry will appear on your credit report. We look forward to working with you to resolve your legal issues. View statements, enroll in paperless statements, pay your bill, update your contact information, and more! Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. 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. Call us today to find out how we may be able to assist you with your case. 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. Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Well guide you through the process. He has been repeatedly recognized as the most active consumer attorney in the country. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. 0
Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. [and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. Learn More GENESIS CREDIT Lets face it theres a lot of jargon and high-level talk in the credit card industry. Take credit for your accomplishments. 2023 ZDNET, A Red Ventures company. Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. 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. Fortunately, there are credit cards on the market designed for people in these situations. 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. We are Lemberg Law, a Consumer Law Firm. In many ways, the Indigo Mastercard is similar to the Destiny Mastercard. After filing a complaint with the card company they canceled my 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. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. 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. You could be eligible for no annual or monthly maintenance fee with a 24.9% APR and 29.9% cash advance APR. 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. Log in - Genesis Credit Worry free spending with $0 liability on unauthorized charges! This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Your personal information and data are protected with 256-bit encryption. This allows you to see the terms you can expect before you apply. I can have peace now. Theitr last letter stated that "If we have insufficient documentation support your claim we may close this dispute and you will be responsible." Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. Payments are Convenient and Secure Make a payment with confidence knowing your account is protected with our fast and secure system. I received notice from a credit monitoring service that accounts had been opened using personal identification information (***) on 12/12/22. The firms main office is located at 43 Danbury Road, Wilton, Connecticut. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. Call us today to find out how we may be able to assist you with your case. For that reason, if the lack of annual fees is a crucial factor for you, the Indigo Mastercard might not be the best choice. $75 annual fee after the first year, $99 thereafter. Be wise, do not write off this collections company as a scam. 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. As a result, the company began offering credit cards for these types of consumers. 319 0 obj
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