After the financial crisis of 2008, the group realized how much demand there was among consumers with low credit scores or limited credit history. Accuracy, independence and authority remain as key principles of our editorial guidelines. 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 Destiny Mastercard offers a $300 credit limit if you're approved, no deposit required. I have sent them this info several times now. Dont worry, we wont spam your inbox. They constantly are giving me the run-around. Thank you for requesting your free case evaluation. Like the other Genesis Mastercards, the Milestone. The Milestone Gold Mastercard also comes with a $1,000 credit limit for those who qualify. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. The Genesis Credit belief is "no one should be turned away from financing based solely on a FICO score." This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com This compensation may impact how and where links appear. Where is the purchase your charging interest for?The account is closed, we don't want anything from your company and have expressed this over the phone numerous times already. . No more harassing calls from them bothersome credit card companies. Another option could be a $75 initial annual fee with a $99 annual fee each year after. 14600 Greenbrier Parkway, Beaverton, OR 97006. Lets face it theres a lot of jargon and high-level talk in the credit card industry. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. Like the other Genesis Mastercards, the Milestone Gold has different cardholder agreements depending on your credit history and other qualifying data. 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. They know they closed off my access to these cards. Testing RFID blocking cards: Do they work? EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. 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. 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? In total you're paying $193 in fees just to have an account with them. The Milestone Gold Mastercard also comes with a $500 credit limit with various cardholder agreements. The information, including card rates and fees, presented in the review is accurate as of the date of the review. 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. Cloudflare Ray ID: 7a2f66e58cdb1faf I have been on the phone numerous times with them. Submitting a response indicates a willingness to work with customers to make things right. document.write(new Date().getFullYear()) Genesis Financial Solutions. Find out who they are, why they might be calling, and how you can stop them. it was a everyday thing 2 to 4 calls a day. The $500 credit limit comes with one of three cardholder agreements. All rights reserved. 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. Please call me Monday 8/15. 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. Lemberg Law specializes in debt collection cases, and as a company we have advocated for tens of thousands of victims of debt collector harassment. Everything you need is right here. By providing my email address, I agree to CreditCards.coms At Bankrate, we take the accuracy of our content seriously. Genesis Financial Servicesoffers credit to the non-prime market, which is users who can't qualify for prime rates because of their credit history. One of our staff members will call you shortly. 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 know exactly what is going on here and what the issues have been. 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. 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. Your IP: Setup AutoPay for even more Convenience Today, Genesis Financial Solutions provides three card options to help people in difficult credit circumstances get on their feet. 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. They have records and act like they don't. Credit Cards Reporter and Young Credit Analyst, Connect with Cathleen McCarthy on Twitter, Connect with Cathleen McCarthy on LinkedIn. MasterCard is an Equal Opportunity Employer. After being transferred 4 times, I was finally able to speak to *****, a customer service supervisor. Genesis is the nation's largest "second-look" merchant financing provider. 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. 374 0 obj <>stream Extended warranty and price protection on purchases. Be wise, do not write off this collections company as a scam. Please enter a valid phone number. But we compared the three credit card options altogether for people with bad credit. In this catch-22 situation, it may seem like your options are limited. When you have bad or poor credit, it can be challenging to get approved for an unsecured credit card. they got it but keep denying it and it's on my bank statement. Celtic Bank issues the Genesis FS Indigo Mastercard. Member FDIC, In the meantime, you are welcome to call us right away at 855-301-2100. If you're approved for a $300 Destiny Mastercard, your annual fee billed the first year and each year after is $35 or $59. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. All Rights Reserved. Eastern, or. The high costs aside, the card can still deliver on its promise to help build your credit with responsible use. Home equity line of credit (HELOC) calculator. Their focus at first was on consumer loans. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100). Neither ZDNET nor the author are compensated for these independent reviews. 1,670 total complaints in the last 3 years. BBB Business Profiles are subject to change at any time. More specifically, this law prohibits collection agencies from pursuing debts via over-the-phone harassment. 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. Genesis FS Card Services should be considered a legitimate business due to the companys years of experience. This site does not include all credit card companies or all card offers available in the marketplace. Every time I contact them. Get a Mastercard accepted online, in store and in app. Your author Whats your name? So I ask them to change it back and then they want me to send them a copy of my drivers license to do so! 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. 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.. This card is terrible they charge you $12 a month for a service fee in addition to a $49 annual fee. Customer Service will not help me. 2023 Bankrate, LLC. You'll be able to see which card, credit limit, and terms you qualify for without impacting your credit score. Take advantage of your rights and choose to sue when you find that a collections company violated collectors law. More credit for your everyday needs; Show More 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. Then, both cards have $700 limits and they allowed them to be run up to roughly $1500 on each 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. H/9d.eJ?SL%~8-/hvQ@Y\F:} q5N .N E^u''\. First, Electronic Bank issues the credit card. But I do not want to opt out from pre-screening for credit offers from every creditor in the country. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. If you qualify for a $700 credit limit on the Milestone Gold Mastercard, you could be approved for one of three cardholder agreements. The Destiny Mastercard is issued by First Electronic Bank . Note that complaint text that is displayed might not represent all complaints filed with BBB. 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. 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. At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. 2023 Genesis FS Card Services, All Rights Reserved (NMLS #1549514) 14600 Greenbrier Parkway, Beaverton, OR 97006 Well use the last four digits of your Social Security number to get your approval odds. Call our Helpline today! The best Genesis FS credit card is the Genesis FS Destiny Mastercard. Put $0 if you currently don't have a rent or mortgage payment. Pros & Cons of Milestone credit card. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. I am at the end of my rope with this company. 'ZDNET Recommends': What exactly does it mean? Everything you need is right here. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. Well guide you through the process. + Payment address: Genesis FS Card Services | PO Box 23039 Columbus, GA | 31902-3039 What is the FAX number for the Indigo Mastercard? Each card comes with its own credit limit and terms, including annual and monthly maintenance fees, cash advance and purchase APRs. ZDNET independently tests and researches products to bring you our best recommendations and advice. ZDNET's editorial team writes on behalf of you, our reader. Everything you need is right here. Theyre legit. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. %PDF-1.5 % They know exactly what and WHEN has happened. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. Sergei Lemberg, Esq., is the Connecticut attorney responsible for this advertisement. See details. There are several cardholder agreements you could qualify for with a $300 credit limit. If you're approved for a $500 Destiny Mastercard credit limit, the annual and yearly fees are either $59 or $125. If you have a low credit score, it can be challenging to qualify for a credit card. Copyright 2023 CreditCards.com a Red Ventures Company. Lemberg Law received an A+ rating from the BBB. 1 836-9633. View your balance, transactions, statement and make or schedule a payment 24 hours a day, 365 days a year. 2023 ZDNET, A Red Ventures company. Time is Running Out, Motorola's handy Bluetooth device adds satellite messaging, Linux 6.2: The first mainstream Linux kernel for Apple M1 chips arrives, Sony's new headphones adopt WH-1000XM5 technology at a great price, The perfectly pointless $197 gadget that some people will love. Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. If you choose not to contact the collections company regarding the account you risk harm to your credit and financial stability. Likewise, the FCRA regulates the circumstances under and means by which collectors and creditors can report delinquent debts to credit reporting agencies. 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. I have already wasted hours on the phone with their customer service team and want this handled directly by someone in the fraud department. Yes, we would love to help. This site does not include all financial companies or all available financial offers.