Member FDIC, Reasonable efforts are made to maintain accurate information. Thank you for all your help., INCREDIBLE EXPERIENCE! Today, Genesis Financial Solutions provides three card options to help people in difficult credit circumstances get on their feet. Sound off and share your experience with other visitors in the comment box below. In the U.S. call 1.800.MasterCard (1.800.627.8372). But we compared the three credit card options altogether for people with bad credit. Dont worry, we wont spam your inbox. At Bankrate we strive to help you make smarter financial decisions. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. The $500 credit limit comes with one of three cardholder agreements. 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. First Electronic Bank This document applies to consumers who apply for a Genesis Credit Account. 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. The consumer telephone number is 866-502-6439 and the main website is www.genesis-fs.com/. Many of the card offers that appear on this site are from companies from which we receive compensation. Genesis FS Card Services has received a many complaints over its time in business. What are index funds and how do they work? 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. These statements cannot be true. In order to close account, charge of $75 annual fee still charged. There is no charge unless we win. There is little confirmation available from the collections company on who they specifically work with. %PDF-1.5 % Put $0 if you currently don't have a rent or mortgage payment. 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. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. BBB Business Profiles may not be reproduced for sales or promotional purposes. You could qualify for a $300 credit limit with an annual and yearly recurring maintenance fee of $35 or $59. Your IP: The Fair Debt Collection Practices Act prohibits this action. document.write(new Date().getFullYear()) Genesis Financial Solutions. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. 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. We contacted Lemberg about being harassed by a rude debt collector, and within weeks we got a settlement check. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Find out what Genesis FS credit cards and financial services has to offerand what you might qualify for. Genesis FS Card Services should be considered a legitimate business due to the companys years of experience. Setup Autopay and ensure your payments are made on time every month. All Rights Reserved. Genesis Financial Solutions, on the other hand, offers unsecured options, but all of them come with rather hefty annual fees. Check the data at the top of this page and the bank's website for the most current information. Lets face it theres a lot of jargon and high-level talk in the credit card industry. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. 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 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. I wish I would have never opened this credit card. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. This credit limit features a $74 annual fee for the first year and $99 each year after, plus a 29.9% cash advance and purchase APR. 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. More credit for your everyday needs; Show More 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. 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. The cards let consumers purchase products and services to meet everyday needs.. $35. 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. Genesis Financial Solutions offers a line of credit cards designed for consumers with low credit scores or limited credit history. Accuracy, independence and authority remain as key principles of our editorial guidelines. 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. Learn the Law & Sue the Collector. editorial integrity, We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Member Alerts: There are no Member Alerts at this time. 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. Everything you need is right here. For that reason, if the lack of annual fees is a crucial factor for you, the Indigo Mastercard might not be the best choice. 18 reviews of Genesis Financial Solutions "Genesis has had absolutely horrible customer service. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. In case you dont qualify, the issuer may suggest card options from a partner bank. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. I have sent them this info several times now. I have been on the phone numerous times with them. See the online credit card applications for details about the terms and conditions of an offer. 'ZDNET Recommends': What exactly does it mean? 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. Increase non-taxable income or benefits included by 25%. Take a look at the link above to find out whether this collections company falls within this category. How is this company allowed to continue to operate?? Make a payment with confidence knowing your account is protected with our fast and secure system. Genesis FS Card ServicesGenesis FS Card Services is debt collector located in Beaverton,OR. Their focus at first was on consumer loans. They won't answer that question. 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. This is not legal advice. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Timing chain failure, crankshaft and oil leaking in pistons. Even if you charge nothing on the card, you'll still be responsible for paying these fees as long as the account remains active. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. 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. Bankrate.com is an independent, advertising-supported publisher and comparison service. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. At Bankrate, we take the accuracy of our content seriously. Genesis FS credit cards can be used to make purchases anywhere accepting credit cards with the Mastercard logo. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. 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. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Our editorial team does not receive direct compensation from our advertisers. ZDNET's editorial team writes on behalf of you, our reader. 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. 2023Genesis FS Card Services Inc., All Rights Reserved. Compare offers side by side and apply online for the credit card that is right for you. Harassed? This cardholder agreement comes with either a 29.9% or 35.9% APR with a matching cash advance APR. ebt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. 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. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. 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. Genesis FS Card Services has received a many complaints over its time in business. Debt collection agencies can garnish wages through legitimate legal action if a judgement rules in their favor. 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. EVERYTHING is a constant run-around with them. It appears as though there are a variety of different complaints against this collections company alleging violations of the Fair Debt Collection Practices Act (FDCPA). While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. All rights reserved. I have ALREADY filed complaints with Transunion among others. Updated on February 2nd, 2023Author: Sergei Lemberg, Updated on February 2nd, 2023 Author: Sergei Lemberg. The offers that appear on this site are from companies from which CreditCards.com receives compensation. After filing a complaint with the card company they canceled my card. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. Well guide you through the process. Genesis FS Card Services does not cite who they specifically collect for on their website. 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. They not only corrected faulty background information that a certain company would not change, I also received a very nice settlement. they got it but keep denying it and it's on my bank statement. Get a Mastercard accepted online, in store and in app. 4 months ago I noticed some fraudulent charges on the account. Here are the best offers for Genesis FS Card Services credit cards. This happened after the death of my son. I am receiving multiple calls a day at work to my work number. After the financial crisis of 2008, the group realized how much demand there was among consumers with low credit scores or limited credit history. But I am not able to speak with the fraud department myself due to their customer service department can't transfer my call to the fraud department. BBB Business Profiles are subject to change at any time. Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. This allows you to see the terms you can expect before you apply. Everything you need is right here. Your email Whats your email address? Your fee amounts and APR vary by the cardholder agreement you're approved for. Setup AutoPay for even more Convenience $0 cash advance fee during the first year. $75 annual fee after the first year, $99 thereafter. However, all credit card information is presented without warranty. When you click on Yes, Genesis FS Card Services is legit. 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. Who are we? The Bad. %@H2U``bd`qo0 A_ Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. . Multiple credit card perks. See the jurisdictions in which our lawyers are licensed, admitted, or otherwise authorized to practice. Avoid the worry of making payments with Autopay. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Everything you need is right here. Take credit for your accomplishments. 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. hb```@(0 The Indigo Platinum Mastercard is issued by Celtic Bank, a Utah-Chartered Industrial Bank, the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. About every two weeks, I get a solicitation from this business for a credit card. Your personal information and data are protected with 256-bit encryption. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. Here's an explanation for how we make money 1,670 total complaints in the last 3 years. 2023 ZDNET, A Red Ventures company. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. 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. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. Misled by a collector? Federal Law allows you to protect your FDCPA rights in court via lawsuit. 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). Every time I contact them. This website is attorney advertising: prior results do not guarantee a similar outcome. While we adhere to strict Genesis Financial Solutions was founded in 2001 by a group of financial services experts. Even though it's been less than 30 days. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Which certificate of deposit account is best? They have records and act like they don't. 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, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. Copyright 2023 CreditCards.com a Red Ventures Company. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. However, the collections company typically collects on credit card debt according to many complainants. 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 FS Card Services is a debt collector located in Beaverton,OR. Well use the last four digits of your Social Security number to get your approval odds. The Good. Last four digits of your Social Security number, Do Not Sell or Share My Personal Information, Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. Back in November of 2022 someone in ******* had stolen my info on the Destiny and Milestone cards. \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! You can email the site owner to let them know you were blocked. we equip you to harness the power of disruptive innovation, at work and at home. Your annual fee will also depend on your credit profile and can be $35, $59 or $75 in the first year and $99 thereafter. 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. 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. 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. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. 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. This card comes with an annual fee of $175 for the first year and $49 each year after, plus a $150 annual fee billed monthly at $12.50 per month. 374 0 obj <>stream Then, when I tried to get this corrected, they have all my info, my ss, phone etc, except the address was changed. We maintain a firewall between our advertisers and our editorial team. Additionally, the *** used to open the account is outdated. Extended warranty and price protection on purchases. 300-670 (Bad to Fair) The refused to give me a account #, they have been caused in the pass reporting to credit bur.causing my scores to drop. 2023Genesis FS Card Services Inc., All Rights Reserved. I'm told there is a temporary block on the account. [and] pride ourselves on offering the same credit experience to non-prime customers that prime customers receive.. You may also get approved with a $75 initial annual fee and then $99 each year after. 150.95.110.252 Make a payment with confidence knowing your account is protected with our fast and secure system. As a matter of policy, BBB does not endorse any product, service or business. Celtic Bank issues the Genesis FS Indigo Mastercard. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. They constantly are giving me the run-around. There are several cardholder agreements you could qualify for with a $300 credit limit. This site does not include all financial companies or all available financial offers. *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. 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. 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. The thing is THEY HAVE ALL OF THE **** in their records. Another option could be a $75 initial annual fee with a $99 annual fee each year after. 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. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Ultimately, Federal Law allows you to protect your FDCPA rights in court via lawsuit. 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? Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Genesis FS Card Services' Address, Phone Number, and Contact Information Genesis Financial Solutions is located at 15220 NW Greenbrier Parkway, Suite 200, Beaverton, OR 97006-5762. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 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. 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. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Once you've decided which card fits your needs, apply for it. Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. Like the other Genesis Mastercards, the Milestone. Aja is the author of "How a Mother Should Talk About Money with Her Daughter.". [and] pride ourselves, 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.. Given how slow the legal system is, they were lightening fast! International Association of Better Business Bureaus. Setup Autopay and ensure your payments are made on time every month. She told me I need to submit new information in order to have the case reopened, encouraging me to send in a copy of my DL via fax.