2023 Genesis FS Card Services, Inc. (NMLS #1549514) 14600 Greenbrier . Theyre legit. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. After being transferred 4 times, I was finally able to speak to *****, a customer service supervisor. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. Lets face it theres a lot of jargon and high-level talk in the credit card industry. You can pre-qualify for Genesis FS credit cards without affecting your credit score, so you know what you qualify for and the terms. After the financial crisis of 2008, the group realized how much demand there was among consumers with low credit scores or limited credit history. document.write(new Date().getFullYear()) Genesis Financial Solutions. Your credit cards journey is officially underway. Additionally, on Google Reviews, the collections company has received 38 reviews, amounting to a 1.2 star review overall. 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. 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 is issued by First Electronic Bank . 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. 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. . [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.. Whats your name? 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. Indigo is a registered trademark of Genesis FS Card Services, Inc. Worry free spending with $0 liability on unauthorized charges! Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and services. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case. See the best credit card offers from Genesis FS Card Services below. The Fair Debt Collection Practices Act prohibits this action. Find out who they are, why they might be calling, and how you can stop them. Everything you need is right here. 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. 2023 Bankrate, LLC. Paperless Statements and more! Worry free spending with $0 liability on unauthorized charges! Consequently, if action is taken, you can recover damages of up to $1,000, plus attorney fees, court costs, and personal damages. Setup AutoPay for even more Convenience 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. 2023Genesis FS Card Services Inc., All Rights Reserved. *May also include monthly maintenance fees. $0 cash advance fee during the first year. This allows you to see the terms you can expect before you apply. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. Read more about the firm. If you're unsure which Genesis FS credit card is right for you, consider getting pre-qualified. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. If you feel as though this law should be applied in your collection discrepancy, contact an attorney to sue the offending collection agency. The best starter credit card for no credit, 5 ways to improve your credit score without a credit card, Do Not Sell or Share My Personal Information, Can pre-qualify without affecting credit score, Separate monthly maintenance fee on certain cardholder agreements, Pre-qualifying will not affect credit score, Can be approved for up to $1,000 credit limit, May receive high first-year annual fee, reducing purchase power, Pre-qualifying won't affect your credit score, Terms are cumbersome with low credit limit. Check the data at the top of this page and the bank's website for the most current information. 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! Check back here for Security Notices and other important information. Therefore, the wisest move to make is to preemptively contact an attorney BEFORE this judgment may occur. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Genesis FS offers the option to pre-qualify without affecting your credit score, so you can find out what terms you qualify for before you apply, which will then show up on your credit report as a hard inquiry. Lastly, according to dnb.com, this collections company has an annual revenue of $65.65 million and an employee base of 490. Once you've decided which card fits your needs, apply for it. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. All Rights Reserved. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. If a debt collector has contacted you, make sure you understand your rights before taking action. I want this closed w/out hurting my score. You may also get approved with a $75 initial annual fee and then $99 each year after. As a part of the second-look financing market, you don't need an excellent, or "prime" credit score to get approved for Genesis credit. Genesis FS Card Services has received a many complaints over its time in business. H/9d.eJ?SL%~8-/hvQ@Y\F:} q5N .N E^u''\. Many of the card offers that appear on this site are from companies from which we receive compensation. MasterCard is an Equal Opportunity Employer. After filing a complaint with the card company they canceled my card. I'm told there is a temporary block on the account. I have tried numerous times to correct all of this. Well use the last four digits of your Social Security number to get your approval odds. Terms apply to the offers listed on this page. 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. they got it but keep denying it and it's on my bank statement. Genesis FS Card Services | PO Box 4477 Beaverton, OR | 97076-4477 Our toll-free customer service number: 1-800-353-5920 Where should I send my Indigo Mastercard payment? 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. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? Should you accept an early retirement offer? 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). Oftentimes suing is the best course of action considering your case is legitimate and your grievances are serious. The terms of the Milestone Mastercard are identical to those of the other two Genesis Financial Solutions cards. 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. We contacted Lemberg about being harassed by a rude debt collector, and within weeks we got a settlement check. Our editorial team does not receive direct compensation from our advertisers. The APR for cash advance and purchases are 29.9% or 35.9%, depending on your cardholder agreement. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 2023Genesis FS Card Services Inc., All Rights Reserved. EVERYTHING is a constant run-around with them. When you have bad or poor credit, it can be challenging to get approved for an unsecured credit card. 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. 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. When deciding the right credit card for you from Genesis FS, consider the three options: Destiny, Milestone Gold, or Indigo Mastercard. Setup Autopay and ensure your payments are made on time every month. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. While this act is illegal, debt collectors may choose to garnish wages for consumers whose debt is verified and legitimate. They have the records and they act like they don't. , which reports all federal complaints within the U.S. federal systems docket. See details. Have you had a bad experience with this agencys debt collectors? I did not make the purchase. This wont impact your credit score. Learn the Law & Sue the Collector. . Our goal is to give you the best advice to help you make smart personal finance decisions. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. 'ZDNET Recommends': What exactly does it mean?
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