Genesis FS Card Services, Inc. CFPB Complaints

Back to Dashboard
2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11234
Web
YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS TO A POSITIVE PAID AS AGREED STATUS AND XXXX BALANCE INDEFINITELY. REMOVE EVERY LATE PAYMENT THIS ACCOUNT IS SUPPOSE TO REPORT AS PAID AS AGREED EVERY MONTH INDEFINITELY. IT WILL BE UPDATED INTO A POSITIVE PAYMENTS INDEFINITELY. Per the law 15 U.S. Code 1681c2 - Block of information resulting from identity theft due to the nature of this company violation my privacy rights they have 4 days to update this information with all reporting agencies involved with my consumer report being reported inaccurately indefinitely Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! Per the law 12 CFR 1022.41-1022.43 Resonable policies and procedures concerning the accuracy and integrity of furnished information AND 15 USC 1681 Permissable Purposes To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance XXXX and or CRSA CDIA XXXX XXXX COMPLIANT reporting.. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization is a violation of federal law, transacational reporting is innacurate reporting per my credit profile. A closed account and charged off account can not report any past due Balances. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. XXXX and CB/INDIGO ARE IN violation of my privacy rights Per the Privacy Act of 1974, under 5 USC 552A your social is not suppose to be given out to anyone. The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 16 CFR 313.1-7 AND 15 USC 6801-6805 IS THE FEDERAL LAW FOR MY RIGHTS TO OPT-OUT OF REPORTING MY PERSONAL INFORMATION THAT WAS NOT GIVEN TO CB/ Indigo to report my personal information with out my knowledge or consent. 15 U.S. Code 1681e - Compliance procedures- This law states that consumers are to have maximum accuracy when reporting to a consumers report. All of the reporting agencies are reporting inaccurate dates and amounts on my consumer reports. Some reports have more transactions reporting than others. That wrong as well as the reporting agencies are reporting CO charge off every month which is inaccurate that is re-aging the debt making it seem newer than it actually is. All late payments must be updates to paid. You can not charge off a debt every month or report late payments by this law that is very inaccurate. These account status need to be update to paid as agreed and XXXX balance in a positive status. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum ofany actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. 15 U.S. Code 1681a - Definitions ; rules of construction- this law clearly states that utilization is not to be reported to the consumers report. All transactional payments need to updated from late payments and charge off to paid as agreed and XXXX balance indefinitely. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include15 USC 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.- this law states that utilization is not suppose to be reported. XXXX, XXXX AND XXXX NEED TO UPDATE MY ACCOUNT STATUS- TO PAID AS AGREED AND MY TRANSCATIONAL HISTORY PAYNMENT TO ONTIME.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 1 : CB INDIGO/GF XXXX XXXX THIS ACCOUNT IS PAID AS AGREED/PAID, XXXX BALANCE AND NEEDS TO BE UPDATED AS SUCH INDEFINITELY. ALL LATE PAYAMENT AND DERROGATPRY REMARKS NEED TO BE UPDATED AS ON TIME PAYMENTS. MY TRANSCATIONAL HISTORY BEING REPORTED AS ALL POSTIVE PAYMENTS FOR THE ENTIRE HISTORY OF THE ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the XXXX XXXX XXXX field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims. This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate XXXX XXXX COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of XXXX XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS TO A ALL MONTHS POSITIVE PAID, PAID AS AGREED ACCOUNT STATUS AND XXXX BALANCE INDEFINITELY.
06/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 296XX
Web
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XXXX XXXX and XX/XX/XXXX to : Milestone Credit Card/Genesis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX In these letters, I gave 30 days notice for Milestone Credit Card/Genesis FS Card Services to respond and provide me with the information that I requested. Additionally, I requested that Milestone Credit Card/Genesis FS Card Services cease all debt collection efforts until they were able to provide me with the information I requested in writing. I requested that Milestone Credit Card/Genesis FS Card Services cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Milestone Credit Card/Genesis FS Card Services continues to ignore my requests, thus resulting in me filing complaints with the Consumer Financial Protection Bureau XXXX XX/XX/XXXX and XX/XX/XXXX ( see attached hereto CFPB complaint XXXX and complaint XXXX ) and Milestone Credit Card/Genesis FS Card Services XXXX has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, Milestone Credit Card/Genesis FS Card Services has now placed this alleged debt with a third party debt collections agency : XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX. XXXX XXXX XXXX XXXX is apparently a third party debt collection agency attempting to collect this alleged debt from Milestone Credit Card/Genesis FS Card Services after nearly a year of complete silence from Milestone Credit Card/Genesis FS Card Services . I have received zero correspondence from Milestone Credit Card/Genesis FS Card Services in writing as I have requested. Therefore, I am now submitting another complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXX XXXX. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the XXXX XXXX XXXX XXXX XXXX XXXX. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put XXXX XXXX XXXX XXXX XXXX et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by XXXX XXXX XXXX XXXX XXXX et. al., and Milestone Credit/Genesis FS Card Services eXXXX al. XXXX. XXXX XXXX XXXX XXXX XXXX et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. XXXX. XXXX XXXX XXXX XXXX XXXX et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. XXXX XXXX XXXX XXXX XXXX et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX XXXX al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, XXXX XXXX XXXX XXXX XXXX et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX XXXX. al. XXXX of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the XXXX ( Statute Of Limitations ), and precisely how that was determined. Details about XXXX XXXX XXXX XXXX XXXX et. al. authority to collect the alleged debt : whether XXXX XXXX XXXX XXXX XXXX et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If XXXX XXXX XXXX XXXX XXXX et. al. are contacting XXXX XXXX from of the state, provide the licensing information from XXXX XXXX XXXX XXXX XXXX et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from XXXX XXXX XXXX XXXX XXXX XXXX. al. or Milestone Credit Card/Genesis FS Card Services et XXXX al. XXXX XXXX gives notice that : XXXX XXXX XXXX XXXX XXXX et. al. and Milestone Credit Card/Genesis FS Card Services et XXXX al. engaged in, and continue to engage in : negligence and harassment against XXXX XXXX by unlawfully and illegally placing the alleged debt with a third party debt collections agency who is now harassing XXXX XXXX via mail with little to no information regarding this alleged debt. This manipulation tactic is causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, XXXX XXXX XXXX XXXX XXXX et. al. and Milestone Credit Card/Genesis FS Card et . al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, XXXX XXXX XXXX XXXX XXXX et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn XXXX Before XXXX [ XXXX XXXX ] this XXXX day of XX/XX/XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent
02/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • NJ
  • 07080
Web
I recently filed a complaint regarding unethical practices by the company XXXX XXXX. At the time, I attempted to resolve the matter with them but the issue has got out of hand completely. I recently spoke with an account manager named XXXX - ID - XXXX with a call at XXXX P.M. During this phone call the individual XXXX has given me the ID numbers and times of the phone calls I have made and given all calls are recorded for quality assurance, these calls are recorded. Below, I will list these phone calls by the time, date, and ID number of the employee who received the call. All of this information was relayed by XXXX. XX/XX/XXXX at XXXX P.M. - ID number XXXX, I called to try and resolve the problem. There was clearly an issue on their end and I offered a solution which was turned down. This individual did not take my complaint seriously at all. The complaint was regarding the technical issue and an offer of a solution which is beneficial on the companies end more than my own, but I just didn't want to deal with an unethical company like this as it has caused serious mental health issues to myself. This individual clearly acknowledged that there was a technical issue on their end. This was never relayed to me. XX/XX/XXXX, XXXX P.M. - ID number XXXX. I attempted another try at a solution to the issue at hand. I was not able to access my account due to a technical issue on their end and I wanted to be treated fairly. This was turned down again. XX/XX/XXXX, XXXX P.M. - ID number XXXX. The individual I spoke with was an account manager who dubbed himself " XXXX ''. I was fed up with this company here and I decided I was going to make a full payment to just close my account and never deal with this unethical company again. XXXX was reading me the liability waiver whereas he was stating " do you agree to make the payment of {$680.00} ( not 100 % accurate give or take a few dollars ). I stopped XXXX mid-sentence and I stated, " XXXX, I will agree to this payment under two conditions, the first condition being this account is closed right after payment and the second condition being that I receive an email immediately after I make this payment ''. XXXX agreed to my account both being closed and me receiving an email for my own documentation after I agreed to the waiver and submitted the payment. Seconds after, I stated " XXXX, I'm just going to wait for this email while I have you on the phone. '' XXXX stated I wouldn't receive an email until the payment was taken from my account and received by the company. I stated XXXX, do you know what immediately means? XXXX went onto apologize. I waited until the next day and when I woke up in the morning, I saw that the money was withdrawn from my account through my online banking portal and I still never received this email. I had no documentation. I would have never made this payment if XXXX did not blatantly lie to me. Fraud - Deceitful incentivization for personal or financial gain. XXXX has committed fraud on this phone call. Big claim? Wait until the next call. I was heated at this point, I was stolen from by a corporation. Theft in my opinion. XX/XX/XXXX, XXXX XXXX - ID number - XXXX - a call by an individual who claimed to be " XXXX ''. I explained what I stated above to XXXX. XXXX stated something along the lines of if it is this much of a problem, I will remove all late fees and interest and you can pay the max credit line of the card. This was my original solution. I stated something along the lines of XXXX, no I want this figured out and your company literally committed Fraud. At the same time there was an ongoing technical issue that has happened to me and I want to prevent any future individual from harm by this company. XX/XX/XXXX, XXXX P.M. ( given to me by XXXX ) - ID number not provided - The individual I spoke with by the name of XXXX after XXXX escalated the call. During the call XXXX couldn't figure out a solution and I was being persistent to solve the issue. Finally XXXX pulled the phone call that I had with XXXX ( XXXX P.M. - XXXX ). After XXXX listened the call and I was taken off hold, I stated to XXXX, " XXXX, am I wrong? '' XXXX stated " no, you're not ''. XXXX acknowledged XXXX 's fraud. Afterwards XXXX took my claim seriously and further escalated the call to an individual XXXX, XXXX XXXX XXXX account manager. Afterwards on both XX/XX/XXXX and XX/XX/XXXX I spoke to the individual XXXX. XXXX was not able to provide me with details so I could reference these calls. However, there was nothing significant of these phone calls. Except XXXX stated that " This is no longer a customer service issue, this is a fraud issue ''. XXXX also acknowledged the wrongdoings of both XXXX and XXXX. Finally completely demoralized by this company. I called this company back on XX/XX/XXXX. I felt as if this company simply wasn't taking this matter seriously and spoke with XXXX. After speaking with XXXX and she was going through the phone calls I decided to refer back to the original call on XX/XX/XXXX, XXXX P.M. - ID number - XXXX when I originally made the complaint of the technical issue. XX/XX/XXXX, - XXXX P.M. - ID number - XXXX - I called this company to inform them that there was a technical issue. This is with their outsourced CR department in the XXXX. I was unable to view anything on the website as it was blank and I was only able to see three blank tabs. They stated something along the lines of you can make alternative payments such as over the phone. However, I was unable to view any history of my account and really couldn't view anything. I attempted to explain that to them. They didn't care. At the end, I stated not to contact me anymore. XXXX stated that because of this, potentially the company would not contact me anymore due to legalities. However, I was unable to access any information to my account and reported a technical issue that they have not looked into. It would behoove me that any individual would give any kind of payment to a financial company where you can't view any history, balances, nothing. I asked multiple employees including XXXX on this phone call if they would personally make any payment or provide them with any personal information. Every single employee ( XXXX ) stated no they would absolutely not. On XX/XX/XXXX, XXXX stated I was unenrolled in paperless documents. In the XX/XX/XXXX call I also requested a new card as mine was physically incapable to process any kind of payment. To my knowledge, what happened is I called to report a technical issue, request a new card and was being incentivized to make a payment where I couldn't see any information. In other words, blindly giving a sketchy company money. On another call in which I do not remember as you can see there were many calls and fraudulent activity by this company. I was told that the card was automatically activated and I didn't need a physical copy. I also have never received the physical copy of the card. XXXX then stated that this was not true. My last call was escalated to XXXX because I refused to get off the phone last night, XX/XX/XXXX. XXXX refused to give me her last name or a reference to the call so I could further provide someone else with it. XXXX insulted me many times. XXXX even yelled at one point stating " you don't listen! ". This individual should not be allowed to handle customer service relations. I felt personally attacked by " XXXX '' and completely insulted. I was in shock by the attitude of this lady. At every level of the hierarchy of this company I have been lied to, deceitfully incentivized to make payments I was not comfortable doing as I didn't have access to the information of my account. Please take this complaint seriously this time. There is significant issues with this company. I tried so many times to resolve this with this company and I am being given the " run-around ''. It would behoove me to believe that I am not the only individual with this technical issue as multiple employees acknowledged there was an issue. Given this information, this company would then be deceitfully stealing from individuals who simply can't afford to fight for themselves or have the knowledge to protect themselves from companies like this. I foresee this company flexing it muscles and potentially litigating this until the end of time. However, this is my last effort to resolve this conflict with this company. Personally, they have caused a significant amount of stress and emotional terror in my life for my family. I have been contemplating receiving professional help to handle this stress, however, I do not have any time as I am a full-time business school student at a reputable university that holds a XXXX G.P.A. with one semester left to graduate. My grades are starting to suffer because of the stresses caused by this company. All I want is to be treated fairly and with respect. Thank you XXXX XXXX
12/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • FL
  • 337XX
Web
My Destiny credit card expired this year and I was not sent a replacement. I didnt recognize the issue until I moved to a new apartment and was updating the address for all my accounts. I called and found out the company had some issue with creating credit cards and it was the reason I was not automatically sent a new XXXX. I have never encountered such a reason for not sending a customer a new card and thought the amount of time that had passed was extended but did not mind I just wanted my replacement XXXX sent. I have several accounts with XXXX XXXX. I updated my address for all my accounts around the same time. What is different about the Destiny XXXX is the fact the card had expired months prior to my moving and I had not been sent an updated card. I requested the replacement card by calling support and verifying my identity. I thought nothing of the card to be sent until I got letters requesting I send copies of my drivers license for the card I requested. The card then just showed up. a couple of weeks ago my app access for this specific card was blocked. I was and am able to access my other accounts in that same app just fine though. The request to mail or fax my drivers license was alarming to me given I had verified over the phone and the specialist did not mention I would need to submit more information to verify, they simply stated I would get the card. I saw no reason for the request given I had had the account for years, I truly thought the letters were fraudulent. Especially since the card showed up. Other recent calls to this customer service department included issues with the app. I attempted to inform customer service that my apartment number was not showing properly when updating the address. Living in an apt I didnt want to deal with the headache of having my XXXX delivered to the wrong mailbox. I persisted because I had requested the updated XXXX and the specialist told me that the address showing in the app is the address that would be used to ship my updated XXXX. After over an hr on the phone I was told that the reason my address did not show correctly in the app was a general app issue and that my address showed an XXXX XXXX in the companys systems. I believe I submitted feedback about the experience. I took them to task in that review given they wasted so much of my time. Had I not been confused and worried the call could have ended sooner. I mention it here because I feel it material to the events following this particular call. Keep in mind that call happened in XXXX. I verified my identity over the phone for the call. I just got off the phone closing my Destiny account because again what I was being told made no sense. I was told that my request for an updated card, never sent to me as it should have been, and updating my address back in XXXX may have caused my account to be placed on a system generated fraud block in XXXX. I was very frustrated at this point but spoke clearly I explained that the reasoning I was being provided for this block was unreasonable. I had had no suspicious charges on the card in all the years I held the account and I had multiple accounts with the company. The supervisor I requested claimed to have read all the notes but did not know why for months my card was never sent. I pointed out that they had told me they had read all the notes already after they provided a quick answer of fax or mail a copy of my drivers license. After having me hold and to add to add to my frustration the supervisor stated my card was never sent because they were out of plastic. At that point I got the impression that the supervisor simply saw me as a problem and nothing more. They didnt care about their role or mine for this company. I felt I and my frustrations were something of a joke to them and they were happy to close the account. I informed the supervisor that they were a liability to the company given they did not even put forth the effort to be informed about the situation or offer any remedy or recourse given the obvious unreasonable nature of the fraud block. I explained requesting a card never sent and updating an address are rather normal events, and I wanted to know why with no fraudulent charges in the years long history of the account my account was blocked but other than the previously mentioned reply the supervisor had no other response. The ball was dropped on getting an updated card out to me. I remember calling about getting an updated card for this account twice. I am not sure why it took XXXX calls and the card didnt arrive until XXXX and once it arrived the account was blocked. Whats crazy is I activated this card when I called today. If it were on system generated fraud block why did the automated system allow me to activate the card? I cant explain why if my updating my address was a fraud triggering event this company acted upon it only after I sent in feedback about my customer service experience regarding their app? I had called them after updating the address in the app why not inform me of the issue then if it is system generated as the last supervisor stated? Why was I made to authentic my identity over the phone if it is not good enough? If there is a question? What pattern of fraud is evident in these series of events to justify handling my account in this way? It is an industry standard to verify over the phone. I did not fail the phone authentication at any time I called them. I have reported no unauthorized charges and I have had the account for years. I am questioning whether or not this is a gross abuse of power by employees who have little to no oversight. Its as if when they dont like a customer or what they have to say no matter if they say it with decency just to spite the customer, in breach of their service contract, as detriment to the company they opt to just put a fraud block on the account, if they are doing things like that to people it is fraud. My daughter has also been sent through this process forcing her to send copies of drivers licenses and social security cards I feel unreasonably she did not know why Discover suddenly requested the information. Her student credit card account with Discover was closed impacting her credit. I had an account with synchrony bank closed I feel due to the supervisor I was escalated to for their customer service. At the time customers were unable to remove old payment accounts from the app. A payment processed on an old account and I am not sure how I had used the same account over and over. I feel because the supervisor did not like my clear and direct communication and my pointing out flawed logic and my complaints about my poor experience, they found a reason and that account was closed against my wishes to spite me. ( I had a prepaid card XXXX card and was never notified of the cards ability to graduate to a regular credit I had called several times seeking clarity because I wanted the card to graduate and it seemed they were not sticking to what they told me when I got the card and I had just had another secured XXXX graduate to an actual XXXX. I was fed lines about the process being unavailable to the public, etc I found out later that they had never even pulled my credit ). I feel like my credit is being targeted and I dont even know why.
01/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19154
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I XXXX be entitled to under Section XXXX and Section XXXX if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors isee you are disregarding it so heres my breakdown. XXXX Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. XXXX. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up XXXX person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. XXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. .. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX # XXXX Your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete this item. VIOLATION OF XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liabilityunder this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. * Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : ( Pennsylvania XXXXtate ) Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : ( Pennsylvania XXXX ) Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
08/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 705XX
Web
My name is XXXX XXXX and I am a natural human. I have filed this vase based on my belief based on research. XXXX. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : XXXX, XXXX, XXXX ( XXXX XXXX XXXX XXXX INDIGO, XXXX, XXXX XXXX. ( FACT ) 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( FACT ) 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX. ( FACT ) 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the Affidavit Page 2 of XXXX established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. XXXX. ( FACT ) 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 5. ( FACT ) 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX. ( FACT ) 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX. ( FACT ) 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and Affidavit Page 3 of 5 drives my XXXX XXXXXXXX XXXX.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received. XXXX. ( FACT ) 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt. XXXX. ( FACT ) 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law. The entities have oppressed my financially and harmed my quality of life. I feel worried and XXXX when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and XXXX created by the continuous certified mailing to all parties involved. The cost of these mailings has a large financial commitment attached to them. XXXX. ( FACT ) 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than XXXX XXXXAffidavit Page 4 of 5 XXXX. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report.
08/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 64030
Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX for the amount {$1200.00}, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, # XXXX and # XXXX in the amount of {$970.00}, {$710.00} and {$820.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act Milestone # XXXX and # XXXX and # XXXX, in the amount of {$1800.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, in the amount of {$710.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act CB Indigo # XXXX and # XXXX, in the amount of {$920.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$820.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$1800.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and XXXX, in the amount of {$2600.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$700.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$310.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$6200.00} and {$160.00} and has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in the amount of {$820.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX in the amount of {$460.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, in the amount of {$1100.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$16000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$4100.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$910.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX in the amount of {$160.00} and {$6200.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$1000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
12/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30032
Web
1/Me/Myself/Us/We/Ourselves, XXXX XXXX XXXX, the undersigned affiant, a living man declare that I am of majority and competent to state the matters set forth herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence Senate Document No. 43, 73rd Congress " The ownership of all property is in the State. Individual, so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and sub- ordinate to the necessities of the state. Congressional Record, XXXX XXXX XXXX on HR1491, p.83 " Under the new law, the money is issued to the banks in return for government obligations, bills-of- exchange, drafts, notes, trade acceptances, and bankers ' acceptances. The money will be worth 100 cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation. Title 18 8. - Obligation or other security of the United States defined The term " obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. FRN 's are obligations of UNITED STATES : HR XXXX : " The term " obligation '' means Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt Title 31 {$3100.00}. Payment of obligations and interest on the public debt ( A ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( B ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve Notes are, and pay them with FRNs, which is legal tender. Taxes and all bills associated with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt, dollar for dollar. The Constitution does not give we, the people " rights. '' It forbids the government to ignore the " God given Rights of the people, '' as seen in the 9th Amendment : " The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people ''. In addition, the 10th Amendment : " The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people '' It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the " Net public debt, '' 3130. Annual Public Debt Report ( a ) General Rule. On or before XXXX XXXX of each calendar year after XXXX, the Secretary of the Treasury shall submit a report to the Committee on Ways and Means of the House of Representatives and the Committee on Finance of the Senate on- ( 1 ) the Treasury 's public debt activities, and ( 2 ) the operations of the Federal Financing Bank . For whatever reason we can associate with their actions and reasons they did so we may benefit. We are beneficiaries, the government are trustees ; Trustees pay debts, beneficiaries do not. Thus, government obligations are not taxable. In fact, by the 14th Amendment, 4, we need people to create credit instruments. We must also Accept For Value, the debt instruments/legal tender of the United States . As long as the debt exists, the Democracy exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve Notes ( FRN 's ) as legal tender are debt notes, an insufficient number exists, for their repayment in kind, will not cover the interest " owed. '' Using FRNs to " pay '' debts only increases the government obligations on debt by their creation. As it is a fact that all property in the United States as a result of the XXXX XXXX XXXX act is under the ownership of the United States, and/or its designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for me to be held liable for government obligations. The unconstitutionality of said act is expressed in Congress ' own words : " a. Since XXXX XXXX XXXX, the United States has been in a state of declared national emergency. These proclamations give force to 470 provisions of federal law. These hundreds of statutes delegate to the President extraordinary power exercised by Congress, which affect the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confer enough authority to rule this country without reference to normal constitutional processes. '' Senate report 93-549 XXXX XXXX XXXX Therefore, and per the above, let the MASTERCARD Genesis FS Card Services settle the claims and close this account as paid in full for and which I do hereby give my permission. I do declare my willingness to offset public debt by accepting and returning for value, my private debts that created new currency into circulation and indebted the government thereby. Sent a coupon to said company for full amount of the debt. Genesis FS kept the payment and brought my credit score down.
12/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 76011
Web
Dear Sir or Madam, 1. XXXX INDIGO Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and also 60 days on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, lastly 90 Days on XXXX XXXX. I immediately disputed this information with XXXX INDIGO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/29/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • KS
  • 662XX
Web
Dear Sir or Madam, 1. XXXX INDIGO Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX XXXX also, 60 days late on this account in XX/XX/XXXX, XXXX XXXX lastly, 60 days late on this account in XX/XX/XXXX, XX/XX/XXXX. I immediately disputed this information with XXXX INDIGO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 75050
Web
Dear Sir or Madam, XXXX. XXXX INDIGO Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and also 60 Days in XX/XX/XXXX. I immediately disputed this information with XXXX INDIGO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
01/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75160
Web Servicemember
I, XXXX XXXX, have extensively reviewed my consumer reports provided by XXXX, XXXX, and XXXX of which INDIGO-XXXX XXXX has been furnishing information. I have noticed that after several reinvestigations into this disputed account, they continue to have inaccurate, misleading, and missing information. INDIGOXXXX XXXX has repeatedly stated in their reply to the disputes that these accounts meet FCRA requirements, which is not true. The FCRA states that all information that is being reported on my consumer report must be 100 % complete and accurate. According to Congress, 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It is not fair that INDIGOXXXX XXXX , is neglecting their responsibility of ensuring accuracy and disrespecting my rights. Congress also states : 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. I, XXXX XXXX, gave notice of these inaccuracies on several occasions disputing with XXXX, XXXX, and XXXX as well as disputing through the CFPB on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ; CFPB- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and numerous other occasions over the past year. Each time, my request was for the disputed account to be removed from my consumer report due to inaccuracies, misleading information, and missing information. INDIGO-XXXX XXXX has continued to be non-compliant to the law! Congress goes on to state : 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. INDIGOXXXXXXXX XXXX and the consumer reporting agencies of which they furnished information, have been non-compliant to the law and have continued, after numerous investigations, to report these erroneous accounts onto my consumer report. According to 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. I HAVE NOT received any disclosure from INDIGO-CELTIC BANK XXXX which I have a disputed account. I am disputing this account and I have ceased to be a customer of INDIGOXXXX XXXX XXXX INDIGO-XXXX XXXX and the consumer reporting agencies of which it furnished information, are in direct violation of this law by continuing to disclose my nonpublic information after I ceased being a customer! 15 U.S. Code 1681m ( d ) ( 1 ) ( D ) - Requirements on users of consumer reports ; the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. I, XXXX XXXX, am exercising my right to prohibit the following specific account that is listed on my consumer report due to law violations, inconsistent reporting, misleading information, inaccuracies, and missing information. I demand that the following account in its entirety be removed immediately from each of my consumer reports of which it was furnished! Remove this account - INDIGOXXXX XXXX XXXXXXXX XXXX - This account is in violation of 15 U.S. Code 6803. The furnisher of this account did not send me a Form 1099c which is a requirement of the IRS for charged off accounts according to IRS pub4681 for canceled debts. This account says it is transferred or sold, but the account status doesn't reflect that and should say closed. This account is no longer reporting, so that is a violation of FCRA requirements for reporting, because it is inconsistent. This account is missing information for date of last activity & date closed. Payment history should not be reporting here. This account is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) Exclusions.the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information as to transactions or experiences between the consumer and the person making the report. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The continued reporting of this information is a clear violation of the Law 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. You have 10 days to DELETE THIS ACCOUNT from my consumer reports!
11/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08043
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. CB INDIGO & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
07/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 19401
Web
I sent an endorsed bill remittance coupon to Genesis FS Card Services on XX/XX/2022. They received it on XX/XX/2022, and someone names " XXXX XXXX '' signed for it. I called them to confirm that they have received my payment and they told me they have not gotten it. I have confirmation that it was received and someone signed for it. The proof will be attached in this complaint. The amount of the endorsed bill is {$1100.00}. That will also be attached in this complaint. Genesis FS Card Services failed to credit my account accordingly, and now my account is pass due. On the billing statement they sent me, my account showed a positive balance which included a payment coupon to remit payment. The payment coupon was filled out and enclosed in the envelope which was sent back to Genesis FS Card Services. Federal Laws supporting this complaint : 15 USC 1666, 15 USC 1666a, 15 USC 1666b, 15 USC 1666c, 15 USC 1666d, UCC 3-602, UCC 3-311 , UCC 3-603, UCC 3-104, UCC 3-306 15 USC 1666d ( A ) - credit the amount of the credit balance to the consumers account ; 15 USC 1666d ( B ) - refund any part of the amount of the remaining credit balance, upon request of the consumer ; and 15 USC 1666d ( C ) - make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. UCC 3-602 - an instrument is paid to the extent payment is made ( i ) by or on behalf of a party obliged to pay the instrument, and ( ii ) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person. UCC 3-311 - If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply. UCC 3-603 - ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. UCC 3-104 - ( a ) Except as provided in subsections ( c ) and ( d ), " negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time; and ( 3 ) does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money, but the promise or order may contain ( i ) an undertaking or power to give, maintain, or protect collateral to secure payment, ( ii ) an authorization or power to the holder to confess judgment or realize on or dispose of collateral, or ( iii ) a waiver of the benefit of any law intended for the advantage or protection of an obligor. ( b ) " Instrument '' means a negotiable instrument. ( c ) An order that meets all of the requirements of subsection ( a ), except paragraph ( 1 ), and otherwise falls within the definition of " check '' in subsection ( f ) is a negotiable instrument and a check. ( d ) A promise or order other than a check is not an instrument if, at the time it is issued or first comes into possession of a holder, it contains a conspicuous statement, however expressed, to the effect that the promise or order is not negotiable or is not an instrument governed by this Article. ( e ) An instrument is a " note '' if it is a promise and is a " draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either. ( f ) " Check '' means ( i ) a draft, other than a documentary draft, payable on demand and drawn on a bank or ( ii ) a cashier 's check or teller 's check. An instrument may be a check even though it is described on its face by another term, such as " money order. '' UCC 3-306 - A person taking an instrument, other than a person having rights of a holder in due course, is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds. A person having rights of a holder in due course takes free of the claim to the instrument.
12/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 283XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX INDIGO XXXX XXXX. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX
12/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 299XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CB INDIGO & BAL. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75149
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .FEB-RETAIL bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
11/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75115
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. GENESIS bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60636
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 315XX
Web
For years now XXXX has been deliberately and wrongfully altering my credit score. I have written too many letters filed too many disputes to no avail. They disregard my supporting documents and I am not treated in the same manner as other patrons. Very similar to you. The most recent involves a loan with a company XXXX XXXX which claims to be based in XXXX. However has location in the States. This past Thursday I submitted an application for financing. Prior to submitting it I called and spoke with a financial rep. I requested the qualifying criteria. I was told the lowest qualifying score was XXXX. At the time of the submission my score was a XXXX. They sent a confirmation stating the results are within a day. I didn't hear from anyone so I called and later I received an email from a XXXX. He requested he was requesting an application and additional info. I informed him that I had already submitted the app and also gave him the ref number. Then it was like some little head game where nothing goes the way it supposed to. I sent some of the additional info but while I was doing that I get an email denying me. This was disciminating and criminal. Because he proceeded to tell me that my score was below XXXX. This was a fabrication as I had my score in front of me online with XXXX. I sent him a copy after his request. They then told that the couldn't use it because it was from me. Cutting through the chase this XXXX told me that I'd receive a call from a XXXX. This XXXX didn't call until yesterday evening. I believe they are actually closed at the time of the call as it was a Saturday. She then proceeds to feed me a similar scenario. When I asked for a copy of their report she said she wasn't sure as to whether she could give me a copy. I've been contacting XXXX all week via their website and XXXX XXXX to no avail. XXXX has falsly reported that I have been late with Indigo card even after my sending email confirmations and statements. In fact I've had to file a dispute every month whenever I made a payment to XXXX because every payment they took 15 to 20 days just to process it. The last 2 payments I made a XXXX and XXXX payment as I wanted to get rid of them. I recieved the email confirmation for the XXXX and entered it in my dispute with XXXX. A days later when I checked my bank acct. They hadn't .processed so I called. The XXXX hung up. So as I only have a credit limit of XXXX I made a payment of XXXX and all i received was a notice regarding to the effect of 7 days/ which I will attach. I was not late with the payments yet XXXX lists me as late despite my informing them with proof. I was thinking to utilize my right according to your law. This is what was sent to XXXX : I have made a XXXX payment to Indigo each time I make a payment they neglect to conduct themselves legally. I only have a XXXX limit The balance is incorrect ( see payment confirmation ) You won't allow me to submit the dispute just as you've neglected my rights regarding XXXX XXXX. I will also forward the issue to the Federal Attorney General. Because nothing getting done as it should. XXXX is causing problems with an auto withdrawal with XXXX which could affect my credit I want Indigo and XXXX dealt with accordingly. XXXX XXXX When you make purchases with your credit card you have entered into an implied contract with your credit card company. Without words actually being spoken, by either yourself or your credit card company, an implied contract is obvious because they provided you with credit to make your purchase and you in turn must return that money. CFPB 1026.12 Special credit card provisions c ) Right of cardholder to assert claims or defenses against card issuer Official interpretation of 12 ( c ) Right of Cardholder To Assert Claims or Defenses Against Card Issuer ( 1 ) General rule. When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder may assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder may withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount. Today I check my score again and all the sudden they have decreased it down to XXXX as it to make it appear a mistake with the XXXX and the XXXX, but that's not possible as it has been XXXX and XXXX for weeks now. In most cases Indigo should not have even appeared as a negative on my report. These bastards did this to cover for the XXXX XXXX and to cause me ongoing issues as they have been doing for years. My credit should still be a XXXX or greater as i have submitted overwhelming evidence of wrong doing by these culprits. This issue is also criminal as they have conspired these acts. Because no gov't entity has fulfilled their duties these devils continue to do as they have. I should have been approved for the financing and I know that both parties are in cohorts in order to deny me the same rights and priviledges as every other patron. I will also be forwarding this to the AG and seeking criminal prosecution. And don't think tha I don't know you are just as much a part of the onslaught as XXXX and every other XXXX. But you have record. They you and others continue to push me out of character but sooner of later it's going to stop mock my word.
03/29/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • XXXXX
Web Older American
I am writing to dispute the willful & erroneous information Genesis FS supplied to XXXX, XXXX, & XXXX credit reporting bureaus regarding my Indigo acct # XXXX & Destiny acct # XXXX. Ive attached copies of my recorded credit report ( s ). Genesis FS reported a late XXXX payment for my Indigo account & a late XXXX payment with a high balance of {$520.00} for my Destiny accounts. Genesis FS agents promised that all necessary adjustments ( return check fee, late fee, & credit reporting ) would be made to my accounts once their investigation was complete, and I would be notified. I never received a notice, the return check fee was never deducted, and they reported false information to the 3 consumer credit reporting agencies. First, Genesis FS was investigating a checking account error, which occurred at my bank, XXXX XXXX XXXX XXXX XXXX [ XXXX ], in XX/XX/XXXX because of a denied payment request submitted by them on my behalf. As soon as I became aware of the problem, I contacted Genesis FS by phone and attempted to make a payment which their online payment system rejected. Their account supervisor told me to submit proof from my bank XXXX my account was legitimate and in good standing. I faxed proof from XXXX on XX/XX/XXXX, as instructed. I tried several times to submit an online payment & through their representative, after the investigation began, but the system would not accept payment from XXXX. I had the same problem with my two XXXX XXXX credit card accounts However, the XXXX XXXX agent was able to solve the problem with one 3-way call with XXXX banker, the XXXX XXXX agent and myself. My online payments resumed instantly, and adjustments of return check fees made, immediately. Conversely, my same experience with Genesis FS became a trial that has turned into an injurious misleading credit report submission by Genesis FS to XXXX, XXXX and XXXX Consumer Credit Reporting Companies. Their investigation took approximately 3 months before I was able to make payments through my XXXX checking account through their agents by phone. Have them check their records of my telephone contact with their company during the months of XX/XX/XXXX, XXXX & XX/XX/XXXX, their system rejected my attempts to pay through their agents. However & n light of this unfortunate bank error, as a sign of good faith and intentions to pay my debts. I sent ( XX/XX/XXXX ) 3 {$200.00} USPS money orders, serial # s : XXXX - XXXX acct : XXXX, XXXX - XXXX acct : XXXX, & XXXX - Destiny acct : XXXX, one for each of my Genesis FS accounts. In XX/XX/XXXX I received an email reporting new changes had been made to their statements. I figured they had updated their computer system. It was not until XX/XX/XXXX, I was able to pay through their agents ; and she submitted my next 3 payments to Genesis FS through their telecheck system XX/XX/XXXX : 1 ) {$120.00} 2 ) {$100.00} 3 ) {$140.00} My Milestone account was paid in full with this payment. On XX/XX/XXXX, I made 2 final payments to my Destiny & Indigo accounts : 1 ) {$360.00} - Destiny 2 ) $ {$160.00} Indigo My Indigo account was reported late for the month of XX/XX/XXXX, when Genesis FS was in the process of investigating the banking error To add insult to injury, although these 3 accounts were closed and paid in full. On XX/XX/XXXX, Genesis FS reported, my Destiny account # XXXX as late for XX/XX/XXXX with a high balance of {$520.00}. According to the Destiny report Genesis FS submitted to the consumer credit reporting agencies, my highest debt was {$590.00}. Where is the {$200.00} money order, the {$140.00} and {$360.00} tele-check payments submitted by their agents? Not only has Genesis FS not notified me about the results of their investigation. They have not reversed the return check fee, nor have they removed incorrect late payment information from my credit report, they told me on XXXX XXXX, if I want the late payment removed to contact the credit bureaus. Genesis FS can verify my attempts to make payments and request to have my credit report corrected by checking their representatives records. On top of their unprofessional and inept mismanagement of my account, they willfully submit false information to the consumer credit bureaus. According to The Fair Credit Reporting Act ( FCRA ), I have a right to fair, accurate credit reporting. My rights as a consumer were violated and, I was ironically put on trail and convicted of a offense they created. As a company who promotes themselves as a source to assist consumers in repairing their credit they have failed.. I cant help but to see their inaccurate reporting as a deliberate act because computers do simply math. Clearly, my payments paid my debts in full and Genesis FS responsibility is to accurately report truthful information. Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, their record of payments made ] supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. Sincerely, XXXX XXXX XXXX XXXX document Money order copies Banking payment record Genesis FS email of statement update XXXX recorded Genesis FS report XXXX recorded XXXX report XXXX recorded Genesis report
10/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • TX
  • 75039
Web
I completed an application for a new credit card with XXXX for a Destiny card around XX/XX/XXXX. I was approved for the card and was anticipating receipt of it. I had yet to receive the card, so as of XX/XX/XXXX at XXXX, I placed a call to find out what happened. I realized that I had ordered the card using my mothers address of XXXX XXXX XXXX XXXX, TX XXXX. The agent I spoke with at the time updated my information and advised me that I would receive my new card in up to 10 business days. I waited on the cards arrival and finally received it on XXXX via US Postal Service , to my home address, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to activate the card, but received an error message when I attempted to sign in. The message prompted me to call a phone number. When I called over the weekend, I was unable to reach anyone, so I decided to call Monday. I called the office on XXXX at XXXX XXXX and spoke with XXXX. The agent informed me of a fraud block against my account because of some fraudulent activity. I asked him for clarity because the card hadnt been activated yet. He could not provide any meaningful details and seemed to be confused on how to direct me to resolve the matter. I also questioned that there is a {$75.00} balance reflecting on my credit report and expressed my concern that I have no knowledge of where to remit payment, since I had no online access or payment slips. XXXX advised me that since the card was not activated, I would not have to worry about the fee because it would not be charged until the card was active, which doesnt seem logical, considering its already reflecting on my credit report with a due date of XXXX. He eventually advised me that in order to resolve the fraud block, I needed to fax a copy of my identification to them to clear the alert. I asked XXXX how long it would take to clear the alert to which he responded 1 business day. We disconnected the call and I immediately followed the instructions he provided, faxing over a copy of my passport and social security card. I followed up today to ensure the alert was cleared and spoke with an agent named XXXX. I provided him a summary of my previous interaction and advised Id like to confirm the removal of the fraud block. XXXX then advised me that I was misinformed by XXXX and that it would take 5-7 days to remove the fraud block. He reiterated the instructions and I confirmed with him that the information was sent. I asked to speak with a manager and was connected. The account manager then connected with me. He recapped what he was told by XXXX and I filled in some of the gaps. I advised the account manager that I complied with the request they had for identification and was feeling misled because the treatment I was receiving felt unfair. I expressed concern about needing to make a payment and uncertainty of where to send it. I also expressed concern about not being properly notified of the block. He confirmed that on XX/XX/XXXX, they mailed a letter to my mothers address asking for identification, which I never received. I also advised him I never received the letter or the card, and was perplexed because I only found out about the notice because I called on Monday. I had no other indication. I also advised him I have other cards with Concora ( Indigo and XXXX ) that reflect the same information I updated with them. I asked the agent why they used no other measure to reach me to validate the issue, particularly considering I have a payment due and am now being exposed to possible credit damage, which again was unfair. There was no phone call, email, or letter to my new address mentioning any alert or concern of my identity, which was alarming. He advised me that it would take 14 days to clear the issue. I advised him that the agent immediately before him said it would take 5-7 days, the one prior to that said 1, and now he is saying something completely different. I also advised him that 5-7 business days is still not equivalent to two weeks. I told him of my intention to escalate this matter because of the different responses I received and how I was left being charged a fee for a card I cant activate, for a fraud block I was never alerted of. He expressed he would escalate this to upper/senior management. I asked for the managers name to which he stated it wasnt actually a manager, but more so an agent that works in the escalation department. He also confirmed they received my fax, but that it would take them up to two weeks to review it. I told him that timeline didnt seem logical considering the circumstances. He then asked me to call to check on the status, to which I stated was illogical because I dont have the capacity to call them everyday considering my work schedule. I told him I felt they were making it impossible to resolve with the lack of proper expectations and no direction on how to resolve the payment matter. I also asked why they didnt mention this to me on XX/XX/XXXX when I called and he had no answer for this, he could only apologize. I am now stuck, owing a balance on a card without a way to pay it, and no access to the card, after more than a month of applying.
03/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76116
Web
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. ATTN : XXXX XXXX, XXXX & XXXXGENESIS FINANCIAL SOLUTIONS , INC . ATTN : XXXX XXXX, XXXX I HAVE REASON TO BELIEVE THAT I AM BEING EXTORTED BY YOUR COMPAY. I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). GENESIS FINANCIAL SOLUTIONS, INC. d/b/a XXXX XXXX INDIGO has furnished false and misleading late payments to Account : XXXX as a way to coerce me to make on time payments. It is my belief that GENESIS FINANCIAL SOLUTIONS , INC. has been committing theft by deception. It is my belief that furnishing late payments without my lawful authority as a matter ruin my financial reputation constitutes extortion in accordance with 25 CFR 11.417. Pursuant to 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. GENESIS FINANCIAL SOLUTIONS , INC.s failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud and identity theft. Congress has stated that unfair credit reporting undermines public confidence which congress has made clear, is essential to the continued functioning of the banking system. GENESIS FINANCIAL SOLUTIONS , INC. has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by GENESIS FINANCIAL SOLUTIONS , INC. before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency nor GENESIS FINANCIAL SOLUTIONS , INC. to furnish any late payments to my consumer report. It is my belief that due to your business relationship with consumer reporting agencies, such as XXXX, XXXX, XXXX, they parrot the information given to them by GENESIS FINANCIAL SOLUTIONS , INC. as a means of coercing consumers to pay debts that they allegedly owe. It is my belief that GENESIS FINANCIAL SOLUTIONS , INC. has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. As defined in Title 18 U.S. Code 1961, knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividends were an invoice for services provided by GENESIS FINANCIAL SOLUTIONS , INC., which is embezzlement, theft by deception and extortion. Extortion, dealing in an obscene manner, and theft by deception all constitute Racketeering Activity. If found guilty, Racketeering Activity carries a criminal penalty of 20 years to life in prison. This account is now in " charge off '' status, which means that this account has been written off to the IRS on my behalf without my knowledge and is uncollectible and written off as income. Income shall not be reported to the credit reporting agencies. I am aware, that, in accordance with 16 C.F.R. 433.3 GENESIS FINANCIAL SOLUTIONS, INC. is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I may invoke my rights as the debtor in this consumer credit contract against GENESIS FINANCIAL SOLUTIONS , INC. for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
10/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19132
Web
XXXX/XXXX - {$1100.00} XXXX XXXX XXXX when I noticed the fraudulent charges XXXX XXXX XXXX - {$2900.00} XX/XX/XXXX when I noticed the fraudulent charges XXXX - RETAIL - {$2800.00} XX/XX/2021 when I noticed the fraudulent charges The Accounts above is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I XXXX XXXX the natural person Never gave The Accounts above consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. The Accounts above Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States, or the District of Columbia, from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; The Accounts above Credit Dispute has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; The accounts above is in violation of 15 U.S. Code 1692d - Harassment or abuse in Exhibit A, B & C A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. The Accounts above has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. The Accounts above is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. The Accounts above has provided false information to XXXX, XXXX, & XXXX
07/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33027
Web
I previously called Genesis card services on XX/XX/XXXX after I was sent my annual renew letter in the mail pertaining to two accounts I currently have with them. One is a XXXX Card ending in xxxx and another is Indigo Card ending in xxxx. These accounts are in accurately being reported on my consumer report. I continued to explain to them that I received their letter pertaining to my annual renew notice. But I went on to explain to them that I didnt receive my privacy notice disclosures ; which under the FCRA is a required disclosure which shouldve be given to me the consumer at the beginning of our contractual relationship. The agent of Genesis went on to tell me that it isnt their policy to issue privacy notices to customers. After being on the phone with the agent for some minutes ; I then referred the agent that under the FCRA pursuant 15 USC 6803 ( a ) Disclosure of institution privacy policy ; specifically under ( a ) Disclosures required : At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to. So if this is a requirement under the FCRA how is it not apart of there policy to issue a privacy notice. If it is required that this notice be issued at the time of our relationship being established. And as for pursuant 15 USC 6802 ( a ) ( b ) with respect to disclosures of personal information. ( a ) Notice requirement Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. b ) Opt out ; In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A. such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; B. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and C. the consumer is given an explanation of how the consumer can exercise that nondisclosure option. So if there company is reporting this information correctly on my consumer report, how is this accurate if in order for them to do so I must first be given these disclosures but how is it accurate if they say they dont issue privacy policies or the option to opt out of your my non public personal information from being shared with no affiliates and third parties. And also provided under the Gram Leach Bailey Act which was implemented in 1999 to ensure the privacy and security of consumers non public personal information. Which also under this act requires all institutions to include Privacy Notices which are clear and conspicuously explaining how these institutions collect and share and protect consumers personal information. Opt Out Rights financial institutions must give consumers the opportunity to opt out of having their information shared with third parties such as affiliates and non affiliates. And also the third and final disclosure is a Annual Privacy Notice financial institutions must send their consumers a annual privacy policy that explains there privacy practices and any changes thea have been made since the last notice. And this notice should also include instructions on how to opt out of information sharing. So again where is my privacy notices and how is this account being reported if I never received this disclosures before sharing my no public personal information and how is this an accurate reporting if under the FCRA im to be given these disclosures before they can report my information. And under The GLBA how can this account be reported 100 % accurately if I was never even issued any disclosures before this company shared my non public personal information nor did they send me any annual privacy notice as I will attach the annual renew documents they sent me for proof.
02/12/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • MS
  • 39564
Web
This is going to be long and actually covers more issues than the false advertising. I have never had these sort of problems or even heard of others having some of these issues. This XXXX money was tight and my wife and I decided to get a credit card to help us make a few purchases and to have money between XXXX and our first paychecks of 2022. I do have bad credit so I knew I was not going to get a prime rate. After consideration and research we decided on a Milestone XXXX card from XXXX XXXX XXXX XXXX. I have screen shots of the XXXX ad we used to link us to the web page that ultimately led to us receiving the card. The ad said there was annual fee of between XXXX XXXX XXXX dollars depending on credit score. It also stated the interest rate for those with the worst, bad/poor, credit could be up to 24.9 %. I needed the loan and I also need to rebuild my credit, so we did sign up for and receive the card. When it came we did use it and we did not properly read all the documentation that came with it, I just assumed we got the worst rate and worst annual fee and that was alright with me. I was wrong. The second we used the card it charged a XXXX dollar annual fee, not XXXX dollars like advertised, which also took away that available credit. On top of that when my first bill arrived the APR was 34.9 %. Please continue reading because it gets so much worse and possibly illegal. I called the company to make my first payment around the XXXX of XXXX. I had all intention of paying off the card, even though I felt cheated with the advertising and rate. I spoke to a representative and gave them my bank account info and know for a fact I told them the checking account was to be used when they asked. For the record I have always made payments and received my direct deposits with this same account and always told the sender/receiver checking. Im poor thats why I got a high interest credit card, why would I even have money in my savings and why would I use savings to make payments even if I did? Anyway, they charged my savings account and I had to get my bank to refund the ACH fee incurred because of this. I called milestone and told them what happened. They also charged me a late fee because this happened. On the XXXX when I called Milestone I asked that they not charge the account anymore. On the XXXX they attempted to draw again from the savings account. This resulted in another fee from my bank which my bank will not refund because its happened twice now. I called milestone again. This time I attempted to record the call but milestone refuses to allow customers to record calls. I even have video proof that there system will not allow calls to go through when you are using a call record app. If you attempt to put your info in while a call is merged it will tell you there is no account with that info. As soon as you try without the merged call it will let you through. They will tell you that you can not record the calls even though the message before connection says they may record the calls. I feel like this should be illegal but I can not say as to whether it is or is not. Also, there is no way to email milestone either, so there is basically no way to have a record of calls. Anyway when I did get through to them they told me that they can not stop the second charge from going through even when told not to charge the savings anymore. They said this is automatic. They also deny the fact that I gave them the bank info over the phone and they made a mistake. They claim I must have done this myself online but I have never even set up the online account to do so let alone actually paid online. I would like this resolved. I would like milestone to allow me to pay off the debt and close the account by paying only the amount I actually borrowed, I will even pay a fair annual fee ( between XXXX XXXX XXXX dollars as was advertised ) and the advertised interest rate ( 24.9 % ) I also ask they deduct XXXX dollars from my debt so I may pay the ACH fee I incurred at my bank due to their error. I honestly think they charged the savings account on purpose so they could ad the fees for bouncing a payment and being late. Given the false advertising and no way to record correspondence via phone or email its not a stretch of the imagination. Finally, this card also allows you to overdraft it like a checking account. When you have no credit available it will let you make a few more, low dollar, charges at an even higher interest rate.
05/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 91206
Web
Indigo Card issued by Genesis FS Card Services company committed fraud. I wat regulators to step in and make a hefty fine and penalty against them to teach them a lesson. Here is what has happened. My first month statement cut off time ( statement closing date ) was XX/XX/XXXX and that was my first month. I had paid them {$75.00} Annual Fee for joining. That was for promise of using first 12 months. Indigo did something that breached that promise and breached the contract and breaced the law by committing fraud by usury for pretending payment is applied towards the account while in reality, in the background they do fractional reserved banking like your cash in checking account what banks do. They keep the money in their position using it like a fund or loan to enrich themselves instead of truly applying it to my credit limit to increase my available credit after payment is posted. After XX/XX/XXXX statement, money order in the amount of {$300.00} was mailed with certified mail and It was posted with delay in regards to certified mail receiving date which was days before posted XX/XX/XXXX ( still on time payment which was due due date XX/XX/XXXX ) Account shows card balance {$0.00} cents and payment posted successfully. But available credit is still showing XXXX ( - {$1.00} actually ) after paying {$300.00} on {$300.00} credit limit and maxed out but paid in full XXXX out of XXXX ) Company stated available credit will not be made available to you until XX/XX/XXXX. This triggered red flag that they are using my money elsewhere instead of freeing up available credit by paying towards credit limit. instead they only pretend and it only appears to e showing posted payment XX/XX/XXXX. If it was real, my credit limit should had been {$300.00} again the day payment was posted. Because of this i want {$68.00} which is XX/XX/XXXX ratio of annual fee of {$75.00} that is {$68.00} minus {$0.00} current balance ) be refunded to me by check and I have requested them to close my account on XX/XX/XXXX due to card issuer committed financial fraud against the credit card consumer. failure t do that will cause legal action court costs and penalties on companies cost for causing damages ). Legal action will be taken. Your terms and conditions doesn't make you immune against fraud or liability. I reserve the right to get compensation set forward by authorities to be paid by company to me as punitive and compensatory means. I am requesting heavy fine and penalty against the company to teach the a lesson and make them inline with the regulations. I have another credit card with XXXX and the moment I pay they instantly change my credit limit and increase it by the amount of my payment i made. That is how it should be. But small companies have big dream of becoming like XXXX XXXX so the go greedy and abusive and commit fraud to get bigger and richer on consumers cost and expense. I was at vet to my pet dog to vaccinate my puppy and I had to pay {$180.00} and my Indigo Card got declined for not having available credit because in background Genesis Financial ( company which issued Indigo Card ) is using my money elsewhere like fractional reserve banking. Illegal in credit cards regulation. You must have banking charter and it must be a cash deposit in a checking account to do that. Not credit limit in credit card. Payment made with money order sent with certified mail on XX/XX/XXXX Last payment posted XX/XX/XXXX Payment due date XX/XX/XXXX Credit limit {$300.00} Date Description Type Card Amount XX/XX/XXXX PAYMENT RECEIVED - THANK YOU Payment - {$300.00} I want this complaint be REFERRED TO ; Office of the Comptroller of the Currency Also I want ; We also entered your complaint into the XXXX XXXX XXXX, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the XXXX XXXX XXXX to identify questionable business practices that may lead to investigations and prosecutions. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. Publishing this description will not affect how the CFPB handles your complaint.
03/17/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08046
Web
I reached out to Genesis FS Card on XX/XX/2022 and XX/XX/2022 they received it. I submitted my payment in the form of remittance/coupon paid on this date XX/XX/2022. Certificate of Non-Response Date : XX/XX/2022 Re : Acceptances by Genesis FS Card Services on account number XXXX I, XXXX XXXX have sent off certified mailing and payments in forms remittance/coupon in efforts to resolve and settle account number XXXX. This notice is Pursuant state law evidence of dishonor UCC 3-505 and UCC 1-202 1 state the following as facts. On the date of XX/XX/2022 Genesis FS Card Services at XXXX XXXX XXXX XXXX, GA XXXX received a remittance/coupon payment via Certified Mail. The corresponding certified number is XXXX XXXX XXXX XXXX XXXX as verified by Certificate Of Service. After acceptance of mailing Genesis FS Card Services refused to send confirmation that account XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing your refusal, in response to the correspondence regarding account XXXX XXXX. Genesis FS Card Services did not cure your dishonor. Genesis FS Card Services gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account XXXX or send a notice of dishonor. Therefore, based on the foregoing facts I state that Genesis FS Card Services dishonor me XXXX XXXX through non-response, and did thereby agree that Genesis FS Card Services accepted the remittance/ coupon payment for account number XXXX exchanged exemption for the discharge of the associated charges, including a settled account showing a zero balance, sent a letter of credit to the Secretary of Treasury as notice that exemption is to be used to settle account number XXXX. Further, Genesis FS Card Services agreed that refusal to send the written confirmatio of settlement of account XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be settled Genesis FS Card Services and any of its representatives have no capacity to pursue collection on said account, under UCC 3-603, UCC 3-111 , UCC 3-311, Pursuant 15 U.S. Code 1611 in the amount of {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC 3-306 , Pursuant 15 U.S. Code 6823 ( a ) Pursuant 15 U.S. Code 1635, Pursuant 15 U.S. Code Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation of higher depending on pattern of failures aka R.I.C.O charges in accordance with TILA Regulations, Pursuant 15 U.S. Code 1692k ( d ) I the affiant am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 169299c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who had created the debt, I will declare default judgment in favor of I, XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit 1, that I owe the alleged debt show in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( l ) in the amount of damages awarded in the amount ofjudgment in class action suit and that any further pursuit of collection is agreement that Genesis FS Card Services collectively and without argument owe XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$290.00} and all due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TLA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I, XXXX XXXX may take all necessary actions to secure the claim to the remedy which is owed. Notice to Agent notice knowledge U.C.C. 1-202 Respectfully Name Executor Of T e Estate Authorized Representative Certificate Of Acknowledgement ( description of identity card or other document ) to be the person whose name is subscribed to the foregoing instrument and acknowledged to me that he/she executed the same for the purpose and consideration therein expressed. ( Seal ) Given under my hand and seal of office this XXXX - State Expires ( Notary 's Signature )
12/06/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 90044
Web Older American
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX COMPLAIN AGAINST CREDIT CARD COMPANY AND REQUEST TO REMOVE THEIR FALSE REPORTS FROM MY CREDIT ACCOUNTS XXXX. XXXX INDIGO = {$99.00} On XXXX XXXX I closed my account with XXXX INDIGO and made a final payment of {$40.00}, the account was reported to the credit bureau as closed. XXXX year later XX/XX/2021 CB INDIGO mailed me another Credit card offering me a credit line of {$300.00}, I refused/rejected their offer and I did not even activate the new card number XXXX, but surprising on XX/XX/2021 CB Indigo sent me a bill for a new balance of {$99.00} based on unactivated card and non acceptance of a new account with tham, but they went ahead anyway using my information on their records to send me a new bill offering me to make payment a minimum payment of {$40.00} by XX/XX/2021. I never activated CB INDIGO new CARD, I never used indigo Card, I never requested a new card offer from INDIGO, The action of XXXX INDIGO credit card company is fraudulent, and a criminal extortion from the consumers, this XXXX INDIGO marketing tricks is tantamount to a corporate crime and fraudulent extorting money from the consumers, the worst part of this case is that looking at my credit report XXXX INDIGO reported this as a legitimate transaction to the credit bureau and the credit bureau to continue based on my information on file to accept this INDIGO illegal financial action against a consumer as if I had any legitimate transaction with INDIGO credit card. I did not activate the card that was mailed to me on record, how come both INDIGO and the Credit bureau come by reporting that I am owing INDIGO Credit card company {$99.00} annual fees? In view of my explanation above, I hereby request that the Credit bureau removed the fraudulent marketing and false billings reported to the credit bureaus from my credit report immediately and that the Consumer Financial Protection Bureau ( CFPB ) must investigate this fraudulent marketing strategy of CB Indigo credit card corporate crime against unsuspected individuals in their credit manipulative system set up with the credit bureaus to steal from unsuspected consumers. Please Remove Indigo false reports of a new account balance of {$99.00} from my credit report immediately and consider this account closed permanently forever and ever. XXXX XXXX XXXX XXXX= {$39.00} This account was paid off over XXXX year ago, still yet, the XXXX XXXX XXXX keep sending me offer to open the account again, I refused to activate their credit card sent to me by mail on many different occasions, still yet they went ahead and activate a new account anyway and reported a {$39.00} unpaid annual fees to the credit bureau XXXX now if you look at my credit reports the only supposed debt is from XXXX credit cards company XXXX INDIGO {$99.00} unpaid annual fees and {$39.00} unpaid annual fees from XXXX XXXX XXXX both on a credit card account not even activated when received in mail by me, ( Though I had accounts with them before, closed the account because I never have a need to use them, so instead of paying annual fees, I closed the accounts, still they continue to entice me to open the account which I never did, but they went ahead anyway and opened a new account without my authorization to continue again debit me annual fees? ) but they insisted in their fraudulent corporate crime against individuals to use my close account with them to reactivate another new account for me against my desire and wishes, a reason my credit reports triggered a balance of annual fees on credit cards not requested or even ever activated by me, the action of INDIGO {$99.00} PLUS XXXX XXXX {$38.00} is what now put my total debt based on illegal financial extortion from these 2 credit card company now reported on my credit report for a total {$130.00} Credit card balance payment due/unpaid reducing my XXXX score, not a debt the I owe, but a debt cooked up by credit card corporate crime in collusion with the credit bureaus, therefore I am requesting an urgent investigation of this cases and removal of this fake credit card debts from my credit file immediately, and that anyway this false debts reports might have affected my fico scores should be adjusted by the credit bureaus soonest possible.
05/04/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • SC
  • 29615
Web
I wish to start a complaint regarding my Milestone Credit Card, which is now serviced by Genesis Financial Solutions. I first got the card around XX/XX/XXXX and had make a {$170.00} payment to use the card, which was done online upon card arrival. By the start of XX/XX/XXXX, the website was undergoing some changes and the card was changing service companies, so I was without any transaction data or ability to make online payments for months. I also was not receiving credit card statements to my home. I called the company in XX/XX/XXXX to check the status, as I was not able to make payments and I had used the card. I was told there were a few late fees, but I was able to get these waived due to the statement/online account issues, and I made a {$300.00} payment, which also covered the minimum due for XX/XX/XXXX. In addition, my credit report was not supposed to have been negatively impacted due to the website issues and lack of statements, yet they are reporting to the credit bureaus a missed payment in XXXX. In early XX/XX/XXXX, I entered the website to see if I could make payments, as the migration was supposedly done. What I found was that, although I could make payments, there were no statements or activity in the account the only payment that showed was the initial {$170.00} payment made in XX/XX/XXXX. I kept trying several times in the month and, after no change, I called XXXX again in XX/XX/XXXX. To my surprise, I was told that the credit card available balance, which had been left in more than {$400.00}, was now less than {$200.00}, with no usage to the card since making the payment in XX/XX/XXXX. I asked for copies of all the statements for the card ( around 6 months ), so I could perform an audit and see what is going on, but I did not receive anything. I then called a second time explaining what happened and requesting again all copies of prior statements, but to my surprise I only received in the mail the very first statement for the card, which showed the {$170.00} payment and {$0.00} payment due ( the same information as the website ). To make matters worse, in XX/XX/XXXX I attempted to use my card for an amount less than what I was told on the phone was my available credit, but the transaction was declined. I am also currently unable to use the card, but to be honest after this experience I have no intention of using it again. I am extremely concerned about what may be happening with this credit card, as this has never happened to me before with any credit card. There seems to be a lack of transparency, lack of follow-through and, above all, a lack of records. I can not in good conscience make any payment without knowing what has happened with the card all this time, and something which also should be my right. Furthermore, it is impressive that they have no past statements available to send, yet my credit reports show a {$600.00} open balance but there seems to be no supportive documentation for this balance ( per the received statements ). How can this amount be reported to the bureaus if I can not even be provided with bank statements, and the credit cards online website does not have any information either? As time keeps passing, I do not have a resolution from the credit card company and I do not wish to have my credit report again be negatively impacted ( although I will be creating disputes with the bureaus for the XXXX remark and any future ones ). I unfortunately have lost confidence in this credit card due to the lack of transparency and records, so I am asking for your help in solving this situation. I can not continue to be kept in the dark and have both my credit and finances suffer by this company. I am including the following supporting documentation : 1. Screenshot of the credit card website from early XX/XX/XXXX XXXX. Screensot of the credit card website from the date of this complaint 3. Screenshot of my {$300.00} payment from XX/XX/XXXX 4. Letter and statement received from my second XX/XX/2022call ( no page 2 of statement included ) 5. My current credit report from XXXX XXXX for XXXX 6. My current credit report from XXXX XXXX for XXXX 7. Nine ( 9 ) Screenshots of similar complaints from this card found on XXXX
09/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 38464
Web Servicemember
The company : XXXX XXXX XXXX On XXXX I was made aware that XXXX XXXX XXXX had purchased some credit card debt in my name from XXXX XXXX, Indigo Card, while it was under dispute. I called XXXX XXXX XXXX that day XXXX and put the account in dispute and told them I feel the payment amount is unjust. I was in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I only used the card a couple of times before being hospitalized, so there was no way all of the debt, plus late fees, plus interest were mine because the card had been maxed out, which I suspect was my girlfriend at the time. About 15 days later they sent me an email of a bill from the credit card company and that was it. So on XX/XX/2021 I called them back and redisputed the item with them and explained my situation again. Well, on that day I asked the person I was talking to if they would please just offer me a fair settlement and an allotted amount of time to pay before they put it on my credit report. Within about 10 minutes he came back on the phone and told me the lowest they could do was {$450.00} and give me 90 days to pay it. After that 90 days, they said it would go on my credit report if it wasn't paid in full. Even though I still felt like it was very unfair to me, I accepted and asked them to mail me a letter with the terms we agreed on and that was it. Skip to XXXX, 15 days later, I checked my credit report and the account had been reported. So again, I called spring oaks and the guy who answered Said he seen in the computer where we set up the deal and agreement and said he would transfer me to a supervisor. So a guy, I do have a name but will not mention at this moment, got I not the phone claiming to be a supervisor and told me that the dispute was resolved and they were allowed to report it... I told him it wasn't resolved at all, that it hadn't been 90 days and plus they agreed not to report it until after the 90 day period if I hadn't paid, which I would've... Well after that he told me that my only option now is to, I quote : " pay the {$450.00} today and he would make sure it would be removed from my credit. So he was leveraging this against me to make me pay money I didn't have at the moment. I told him I just didn't have {$450.00} right now and he belittled me and told me that {$450.00} wasn't much money to go get it and call them back and pay and he would remove it. I again said, I don't have the funds at the moment and this wasn't our agreement and now this report has dropped my credit score like 50 points, then he told me the sooner I could pay the sooner he would make sure it stopped affecting my credit. Well, at that point I told him I was contacting the FTC and CFPB him and he said, " we hear these threats daily, this doesn't affect us ''. Well, later that night I called XXXX to tell them what was going on and they said the account had been removed. She said there was no company on my credit report with that name. So, after all of that they did remove it that same day because they knew they were wrong for threatening me and stuff. At this point I really don't ever want to deal with them again I think they should dissolve the amount they say I owe ( I dont ) and leave me alone, because honestly, XXXX is the original amount and they offered me a {$450.00} settlement. I feel like after being treated the way I was that they violated enough FCRA laws to be fined and perhaps owe me well over {$450.00} or {$620.00}. All I can say is I do have the man 's name that basically leveraged my credit score against me to make me pay them money I couldn't get. And a screenshot of the account being on my report, and my phone log of the phone call to them, and proof it was removed that evening after the call to cover their tracks. I'm not sure what my options are, but hopefully there is something after the onslaught of verbal abuse, trying to use my credit report against me, and reporting an account that isn't accurate and still in dispute. ( Was in dispute before the report ).
10/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 640XX
Web
On XX/XX/XXXX I sent genesis fs card services a final payment of {$360.00} to satisfy my alleged obligation via U.S Postal Service CERTIFIED MAIL. Article Number ( XXXX XXXX XXXX XXXX XXXX ). Your company then sent me a letter back stating that your company does not accept my payment method. I used an instrument to satisfy this alleged obligation. Per ( 3-603. TENDER OF PAYMENT. ( a ) ( b ) ( c ). I was in my legal right to settle this alleged obligation using a instrument. You've already broken the law there, shall we go further? Days later, on XX/XX/XXXX I send a responses to your response stating nothing in your corresponds indicates my tender had been dishonored subsequent to an attempted presentment. Certified Mail Article Number ( XXXX XXXX XXXX XXXX XXXX ). Was this due to reasonable neglect, mistake, or impossibility on you part? Your company responded the same way which let me know a computer was generating these response. Days later I send your company an Affidavit of Sovereignty, Discharge and Legal Tender Acknowledgment on XX/XX/XXXX. Certified Mail Article Number ( XXXX XXXX XXXX XXXX XXXX ). Weeks later I receive another computer generated response. My documents have been notarized, and sent certified mail in case I need to take this company to tribunal ( court ). Since sending these correspondence your company has not done its fiduciary duty to handle this matter. Instead I get repeated phone calls, and falsely furnished information reported on my credit report. Under 15 USC 1692 ( 6 ) you are a debt collector and I order you to Cease and Desist! According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpolation " Any medium '' includes any oral, written, electronic or other medium. Pursuant to my rights as per 15 USC 1692c ( c ) I'm providing you formal notice to case any further communications regarding this account immediately! This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any future contact by your Agent or Company, except a communication confirming your acknoledgment of this writing, is In violation of the Fair Debt Collection Practices Act. ( FDCPA ) Plublic law 73-10 " All debts public and private are paid for ''. Giving us the right as consumers to only discharge alleged obligations, which I did per my article number sent XX/XX/XXXX. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mention section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). I have not benefitted from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Your company has closed my account and has not given me any notice of why, which is Adverse Action against a consumer. Case law Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( XXXX ), legal tender for discharge of debt is no longer required. Legal tender is not in circulation anymore per to the U.S. Bankruptcy. ( Trading with the Enemy Act ) XXXX XXXX XXXX. There is no real money leaving us with the opportunity to only discharge alleged obligations via instruments.
10/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28562
Web
This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reporting information be released and dismissed at once15 USC 1666b Correction of Billing Error. The late payment is showing for GENESISFS # XXXX My personal identifying information above is without a doubt Current, True, and Verifiable! Anything that deviated from this that you have on my credit report is not true accurate reporting and I formally requesting for immediate removal. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS that are not Factually True as I have noted above. Just as I have noted above is most pertinent and you must Authenticate that your correct to report deficient and erroneously of evident compliance of factual reporting particularly in relationship to mandatory the correct and perfect PROCESSES of lawful reporting and the obligatory complete correct XXXX XXXX Formatted compliance of reporting standards. These are integral of REPORTING, NOT OPTIONS of lawful reporting so please release to me all undeniable documented & certified proof of your claims, the claims reporting processes and formatted nature of the complaint and STOP REPORTING THESE CLAIMS, be it true or not. I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. Reporting engrossments and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to engrossment of certifiable compliant reporting PROCESS and or FORMAT ( METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable Undoubtedly any purported reporting data furnisher would be required to at the very least be able to authenticate my complete file of information exactly as I have indicated in this letter and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PREMARITALLY! In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawful COMPLIANT REPORTING STANDARDS such as the XXXX XXXX Five Points of Compliance and other potentially applicable standards and or regulatory engrossments of reporting, I am rendering this official writ consumer CHECK OF COMPLIANT REPORTING and CHALLENGE versus any and all insufficient reporting and ineptitude to sufficiently document factual reporting verifiability of validness, authenticity, accuracy, ownership of responsibility, completeness, and or certifiability of the mandated compliant Procedure of REPORTING and mandatorily perfect complete certifiable XXXX XXXX FORMAT compliance of reporting standard ( s ). I do not recognize the information listed below as having ever been demonstrated to be factual in solidity much less certified compliantly reported in the mandatory processes of reporting and with factual, accurate, and completely certified ordered format of the XXXX XXXX COMPLIANCE STANDARD of reporting standard ( XXXX ).
02/16/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • FL
  • 32092
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I get payments direct deposited into my account each month until XXXX. I also get VA XXXX benefits and Social Security benefits. Because of this I have not had use for any credit in a long time. In XXXX speaking with my family about getting my own home in a few years, they suggested I get a credit card and start building credit again. So I responded to one of the offers I received in the mail and got a credit card from Genesis FS Card Services, Indigo Platinum with an initial credit line of {$500.00}. Not long after I received the card and used it a little, I contracted XXXX XXXX and was in the hospital on and off for 9 months in XXXX & XXXX. At one point I was in XXXX XXXX XXXX XXXX and was in the hospital that time for over XXXX months. While in the hospital my brother had a Power of Attorney for all of my money affairs. He was responsible for making sure all of my bills were paid and that I didnt get behind on anything or have any issues while I was in the hospital. My brother was able to pay every single one of my other bills with no issues whatsoever. The only issue he had was with Genesis FS Card Services, Indigo Platinum. My balance was less than {$500.00}. My brother contacted the credit card company and let them know that I was in the hospital and that he wanted to make a payment and pay the balance on my card. The representative with Genesis FS Card Services told my brother that he was not allowed to make a payment on my account because he was not me and didnt have authorization to get my balance or make payments. My brother told them he didnt need the balance as he had my billing statement. He just wanted to pay the full balance on my account and ensure it was paid off. He was told again that they could not take a payment on my account from anyone other than the card holder. So he waited a few days and called back thinking that maybe the representative was new or didnt know what they were talking about. So he called again and was told again that he could not make a payment on my account. When I was finally released from the hospital and got home I had letters from Genesis FS Card Services saying they needed a payment immediately or they would be charging off my debt and selling it to a collection company. Also at this point I was alerted that the balance was now {$820.00} when I only owed XXXX XXXXXXXX {$490.00}. I contacted the credit card company and told the representative what had happened and my situation and was told that they couldnt help me that my debt was already sold to a collection agency. I was furious and pulled a copy of my credit report and the credit card company and the collection company had reported the debt to the credit agencies. So this credit card I had taken out to build my. XXXX back up and get better credit had ruined it. I went back thru my paper work as I wanted to file a lawsuit and saw that I have the right to ask for Arbitration. So the week of XX/XX/XXXX and again the week of XX/XX/XXXX, I called on several occasions and asked to speak with someone in upper management and was told no that I needed to call the collection agency. I told them that I had a right to arbitration based on my documents I signed and was told they are denying my rights to arbitration. So I had no other choice but to contact you. I have no problem paying the balance I had on my card when my brother was trying to make my payment. I just want to get this taken care of and get it fully removed from my credit report.
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85206
Web
Dear Representative and whom it may concern, This is unacceptable. I am writing to you as an account holder with your institution to formally lodge a credit card dispute and raise substantial legal concerns pertaining to my interactions with your company and certain credit card and loan companies associated with your institution. I assert that these issues have led to undue distress and financial hardships, and I am seeking your immediate assistance in resolving this matter. I. **Harassment by Debt Collectors and Employees : ** I have been persistently subjected to harassment by debt collectors representing your institution and associated credit card and loan companies. Their relentless and intrusive collection efforts have resulted in severe emotional distress. II. **Financial Stress and Lost Opportunities : ** The rigorous pursuit of debt collection and associated financial burdens have caused significant financial stress, impeding opportunities for financial growth and recovery. III. **Utility Companies Charging Higher Security Deposits : ** As a direct consequence of the impairment of my credit profile, which is attributable to actions taken by your institution and associated entities, I have been compelled to provide higher security deposits to utility providers, adding to my financial strain. IV. **Impact on Employment and Earning Potential : ** My credit-related issues have adversely affected my employability, hindering my capacity to generate income and address the outstanding debts, thereby obstructing my path to financial rehabilitation. V. **Increased Interest Rates : ** The degradation of my credit profile has resulted in inflated interest rates, amplifying the cost of outstanding debts and exacerbating my financial challenges. VI. **Loan Approvals and Risk of Homelessness : ** The compromised state of my credit has made loan approvals nearly unattainable, placing me at imminent risk of homelessness due to potential difficulties in securing housing. VII. **Potential Violations of Consumer Protection Laws : ** I firmly believe that your institution, along with the associated credit card and loan companies, may be in violation of several critical consumer protection laws, including, but not limited to, the following : a. Fair Debt Collection Practices Act ( FDCPA ) b. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) c. Deceptive Advertising and Predatory Lending Practices d. Telephone Consumer Protection Act ( TCPA ) e. Fair Credit Reporting Act ( FCRA ) In light of these concerns, I have sought legal counsel and conducted a thorough review of my situation. It is my firm belief that your institution, in conjunction with associated entities, may be acting in contravention of the aforementioned laws, and I am prepared to pursue legal remedies as required. VIII. **Emotional Distress and Health Impact : ** The financial challenges and unceasing collection efforts have taken a significant toll on my emotional well-being, Im in the process of obtaining official written documentation from my healthcare provider confirming the detrimental effects on my health. I formally request your immediate attention and involvement in investigating these matters and providing a comprehensive resolution. I am committed to achieving an equitable and lawful resolution to these issues with your prompt intervention. Thank you for your immediate attention to this matter. Sincerely, account holder
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85206
Web
Dear Representative and whom it may concern, This is unacceptable. I am writing to you as an account holder with your institution to formally lodge a credit card dispute and raise substantial legal concerns pertaining to my interactions with your company and certain credit card and loan companies associated with your institution. I assert that these issues have led to undue distress and financial hardships, and I am seeking your immediate assistance in resolving this matter. I. **Harassment by Debt Collectors and Employees : ** I have been persistently subjected to harassment by debt collectors representing your institution and associated credit card and loan companies. Their relentless and intrusive collection efforts have resulted in severe emotional distress. II. **Financial Stress and Lost Opportunities : ** The rigorous pursuit of debt collection and associated financial burdens have caused significant financial stress, impeding opportunities for financial growth and recovery. III. **Utility Companies Charging Higher Security Deposits : ** As a direct consequence of the impairment of my credit profile, which is attributable to actions taken by your institution and associated entities, I have been compelled to provide higher security deposits to utility providers, adding to my financial strain. IV. **Impact on Employment and Earning Potential : ** My credit-related issues have adversely affected my employability, hindering my capacity to generate income and address the outstanding debts, thereby obstructing my path to financial rehabilitation. V. **Increased Interest Rates : ** The degradation of my credit profile has resulted in inflated interest rates, amplifying the cost of outstanding debts and exacerbating my financial challenges. VI. **Loan Approvals and Risk of Homelessness : ** The compromised state of my credit has made loan approvals nearly unattainable, placing me at imminent risk of homelessness due to potential difficulties in securing housing. VII. **Potential Violations of Consumer Protection Laws : ** I firmly believe that your institution, along with the associated credit card and loan companies, may be in violation of several critical consumer protection laws, including, but not limited to, the following : a. Fair Debt Collection Practices Act ( FDCPA ) b. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) c. Deceptive Advertising and Predatory Lending Practices d. Telephone Consumer Protection Act ( TCPA ) e. Fair Credit Reporting Act ( FCRA ) In light of these concerns, I have sought legal counsel and conducted a thorough review of my situation. It is my firm belief that your institution, in conjunction with associated entities, may be acting in contravention of the aforementioned laws, and I am prepared to pursue legal remedies as required. VIII. **Emotional Distress and Health Impact : ** The financial challenges and unceasing collection efforts have taken a significant toll on my emotional well-being, Im in the process of obtaining official written documentation from my healthcare provider confirming the detrimental effects on my health. I formally request your immediate attention and involvement in investigating these matters and providing a comprehensive resolution. I am committed to achieving an equitable and lawful resolution to these issues with your prompt intervention. Thank you for your immediate attention to this matter. Sincerely, account holder
10/27/2021 No
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • CA
  • 94602
Web
On XX/XX/21, I recieved a call at my place of employment from a very angry male ( caller ID only stated XXXX CA ph # XXXX ). The man was claiming to be from a law office calling regarding a debt and that someone was currently on their way to my work to serve me with a court summons unless I paid him for an outstanding debt I do not remember owing to a Milestone Mastercard, I informed him that I never received anything in the mail from any lawfirm nor from the debtor and he said that they wouldnt have sent anything only the original debtor from years back. I requested the name and address of the lawfirm which he firmly ignored my even asking. I requested a debt verification letter which he refused to send which is when I knew the situation seemed a bit sketchy and I told him I would need to do some research on my end before paying any money and to not contact my employer again. I told him that if they needed to get in touch with me that they may only do so in writing to my address and confirmed my address of XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with them. He then reminded me that someone would still be serving me that day but no one came. The next day, XX/XX/21, a very similar number called my work again except this time my co-worker answered the phone and hung up. It was recorded on the caller ID as XXXX, CA XXXX. ) The same day, XX/XX/21, I received another call to my cell phone along with a message from a man named XXXX XXXX, a legal administrator from a lawfirm called XXXXXXXX XXXX XXXXXXXX ( ph number XXXX -- the same number that was from the hang up call on my work phone after being told to never call my work ). He stated that I had spoken with someone with " XXXX Services '' and that I had until the end of the business day to call him to resolved the matter otherwise he was going to have me served at my work address. He gave me the number of XXXX ext XXXX and " wished me luck. '' Assuming this was pretty fishy, I did not return the call. Finally today, I get another call from phone number XXXX to my work asking for the HR department. I informed him that they were not there ( I work for a small mom and pop shop so our " HR department ' is the wife of the owner. I offered an email address of physical address to reach them at which he refused and he said they only want a phone number. I said I could take a message or offered my assistance. He asked for a floor manager which is myself and he asked my name. When I told him my name, he informed me that he was calling from the law offices of XXXX XXXX XXXX and that he was attempting to reach HR to set up garnishment of my wages. When I told him I never received any court summons and that it would seem that a court order would need to come first before any wage garnishment he turned very angry and said I was breaking the law by interferring with him getting in contact with my HR department. I reminded him that they simply were not there and that he was breaking the law by continuing to call my employer despite my request to seize and desist and send everything in writing. I'm unable to find anything online to legitimize that this is a real lawfirm. None of the numbers come up online linking to any legit landlines of businesses and the people calling are extremely aggressive and are breaking multiple CFPB laws. Please let me know if I can provide any additional information. Thank you. XXXX XXXX
06/17/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60624
Web
This is hereby a legal claim thats notify you sir-mam that as an ; official for a Destiny Credit Card ; a Genesis FS Card Services XXXX XXXX XXXX XXXX, XXXX, Oregon ; XXXX ; XXXX ; www.mydestinycard.com ; that thereon ; XX/XX/2022 @ XXXX ; as a legal notice, that is hereby a legal claim ; was so serviced thereto myself via an email thats notify me that my Density Credit Card XXXX XXXX ; account no. XXXX ; had been unreasonably compromise, as a result some immediate changes was being in fact made thereto, the account XXXX ; to stop such compromisation, thereto ; the so stated Destiny Credit Card XXXX no. XXXX ; however due to the fact sir-mam ; as a legal claim ( s ) my credit card therein, a credit report from credit agencies has been has been in fact as a legal claim ; a tort has been committed ; and an act of defamation ; also sir-mam my bank account has been hereby ; unreasonably detained by this institution ; as so stated herein this legal notice as a result an agreement was made in contractual terms that my bank account as well as credit card account no XXXX, will not in fact be compromised by other institution, so as a result sir-mam myself bank account has hereby been totally destroyed, due to the fact of, an unreasonable compromisation, by officials of a Destiny Credit Card ; a Genesis FS Card Services, also , sir-mam you as an official ; for a Destiny Credit Card ( Genesis Financial Solutions Inc. ) ; must hereby respond as an affirm ; or as a denial in fact under an Oath as well as, a Testimony hereto ; this legal notice ; as so stated hereby this legal notice, civil claim ; herein this legal cause or matter as a civil claim, in addition hereto, this legal notice as in fact a civil claim, this legal action is not in fact a lawsuit, but this legal claim cause or matter is hereby, a litigation process ; herein, this legal institution, as so stated, herein this legal notice, in addition sir-mam, you must hereby respond hereto, this legal claim, herein this institution, as being in fact as so stated hereto, this legal notice all within, a 72 hrs., time frame after you sir-mam as official for a Destiny Credit Card ( Genesis Financial Solutions Inc. ) ; has hereby this legal notice been so serviced ; in addition you must hereby respond, as an official for a Destiny Credit Card, ( Genesis Financial Solutions Inc. ) ; for the so stated cause or matter as being in fact a civil claim for the hereinabove, this legal notice cause or matter all within a 72 hrs., time frame hereafter being so serviced herewith this legal notice, a failure not to hereby respond hereto, this legal notice, as an affirmation or as in fact a denial, all within a 72 hrs., after ; service any and all legal claims as being in fact a response ( s ) as an answer of an affirmation ; or as in fact a denial will hereby this legal notice ; become an unacceptable legal claim ( s ) ; and in fact denied; also sir-mam you as an official for the so stated ; cause or matter ; herein ; this legal notice ; will hereby considered as being in fact a refusal, to hereby respond, and answer, hereto this so stated cause or matter, herein this legal notice ; in addition sir-mam you must so service your response as an answer hereto this legal claim to myself within a 72 hrs., after, hereby being so serviced with this legal notice. efiling XXXX case XXXX ;
09/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • OH
  • 43537
Web
I called XXXX several times back in XXXX in regards to information being reported that I did not consent to being reported on my credit report. I was told that they can not do anything about it, that I need to take it up with the company providing them my data. They also let me know that if it was a fraud case then I needed to submit a report to the FTC in order to have it removed from my report. I was not calling them about fraud nor identity theft. I did NOT file an FTC report or contact XXXX again to start a fraud dispute. I discovered yesterday that my paypal business account was overdrawn by {$80.00} for two transactions that happened back on XX/XX/XXXX for {$50.00} and XX/XX/XXXX for {$30.00}. It left me with - {$67.00} in my business account because i had {$12.00} in my account at the time. I used my business account to send myself an invoice to my personal email. I paid the invoices using my Destiny Genesis FS card. The transactions went through fine, but now they are being disputed by Destiny. I can no longer use my business account as XXXX has permanently limited my account because of this. When I called my card issuer, Destiny card services, I was told by the automatic answering services that my account was pending collections. I then spoke with a live agent and was told that my account was closed for fraud. After speaking with a higher up I discovered that Destiny card services was alerted by XXXX on XX/XX/XXXX that this account was fraudulent, although I never made that claim or asked them to contact Destiny card services on my behalf. Destiny card services told me that they conducted an internal investigation & somehow came up with the fact that it was indeed opened fraudulently, but it was not. I applied & accepted the approval for my Destiney credit card. I was never alerted that there was an investigation nor of the results of this investigation until my business account was unusable & I had to figure out why. When I called XXXX to ask why they sent them the report they said they couldn't tell me why it was sent and they had no record of me claiming fraud at all. The only thing I did do was update my employment, my address & my name. I did recieve a letter in the mail from them showing that my address, name & employment was indeed updated. Nowhere on the letter does it show anything about a fraud dispute or anything. My Destiny card can not be reinstated because of the fraud closure. I have to wait 30-60 before I can reapply with them or I will be denied because of the fraud closure. I still had avaliable credit on the card that I really needed to use. I've spoken with Destiny card about dropping the disputed transactions but now I have to wait 2-3 days to see if their investigation team will release the dispute so I can use my business account again. I am currently in the hospital with XXXX XXXX so I can not work. That card was helping me cover expenses. XXXX has not only managed to get my card closed but they have also negatively impacted my credit score by contacting Destiny FS card services without my consent. Destiny FS card services is also to blame because I was not alerted of the potential closure of my account, the actual closure, the investigation of my account and I was not given a chance to prove that the transactions were not fraudulent.
01/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 60624
Web
Thereon ; a XX/XX/2023 ; officials thereof ; a Destiny Credit Card Master Charge Credit Card-Genesis FS Card Services XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, OR XXXX ; XXXX ; for a Destiny Credit Card Master Charge Credit Card ; card XXXX ; they had made ; a claim for a payment that was hereby withdrawn officially ; via my bank account XXXX ; via direct deposit ; thereto a Destiny Credit Card Master Charge Credit card XXXX, reason for a payment for credit in the amount of a {$100.00} ; XXXX XXXX ; XXXX XXXX, and XXXX XXXX ; in addition to the so stated cause or matter herein this legal notice, another withdrawal was made from an account no. XXXX ; in the amount of a {$170.00} ; XXXX XXXX ; and XXXX XXXX XXXX, and XXXX XXXX, thereon XX/XX/2023 in addition ; to that withdrawal reversal NSF ; there was a {$40.00} in terms of a waiver fee made ; thereon ; a XX/XX/2023 ; therein the so stated bank statement of Destiny Credit Card ; a Master Charge Credit ; card XXXX there is no minimum payment ; due cause the bill ; is in fact paid; as being up to date ; therefrom my current balance is due in fact therein the amount of {$670.00} ; XXXX XXXX ; and XXXX XXXX XXXX and XXXX XXXX ; in accordance to the so stated bank statements Destiny Credit Card Master Charge Credit ; card XXXX ; no payment needed via a withdrawal from an account XXXX ; thereon ; a XX/XX/2023 ; In addition to my bank account XXXX ; my bank statement so states that there was a withdrawal in the amount of money ; as being in fact so stated herein ; this legal notice ; as in fact a civil claim ( s ) ; hereto this legal notice sir-mam you must agree, or disagree thereunder an Oath as well as well as a Testimony ; by via a pleading hereto myself XXXX XXXX XXXX ; either as an affirmation XXXX or as in fact a denial hereto the so stated legal cause or matter civil claim ( s ) thats pleaded herein this legal notice, also you must submit your pleading hereto myself within 72 hrs time frame after you sir-mam as an official for a Destiny Credit Card Master Charge Credit card XXXX ; therefrom the time that you have been so served herewith this legal notice cause or matter. A failure of you sir-mam not to service a pleading ; hereto myself you as an official for a Destiny Credit Card Master Charge Credit ; card XXXX will hereby this legal notice considered as being in fact a refusal to plead, therefrom any and all pleading ( s ) ; hereby submitted hereto this legal notice will become denied ; and unacceptable civil pleadings after 72 hrs., time frame ; herein this so stated civil litigation process ; furthermore you must service your pleadings within 72 as an affirmation or as in fact denial hereto myself XXXX XXXX XXXX ; XXXX XXXX XXXX ; in addition sir-mam to the so stated cause or matter sir-mam you must plead in terms of filing documentation within a XXXX hrs time frame after being so service; therein the offices of an XXXX XXXX case no. XXXX ; XXXX case number is XXXX ; a failure not to hereby plead to this so stated cause or matter you will hereby considered as being in fact a refusal to plead ; therefrom any and all pleadings hereto this civil claim ( s ) ; will hereby ; denied and acceptable hereto this legal notice as civil cause or matter litigation process ;
10/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19082
Web
I contacted XXXX, XXXX, and now CB INDIGO/GF ( XXXX ) to put them on notice about the following. I submitted a dispute with XXXX about violations on my consumer report about illegal late payment transactions they did not resolve my issues by deleting the late payments. They claimed that it meets their FCRA requirements when it does not. I sent XXXX and XXXX the same notices as well as CB INDIGO/GF. All XXXX consumer agencies and CB INDIGO/GF are in violation of XXXX XXXX XXXX XXXX ( d ) ( XXXX ) The definition of a Consumer Report is : In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX of this title. So, why are the consumer reporting agencies including CB INDIGO/GF REPORTING LATE PAYMENT TRANSACTIONS So, According to the law ( XXXX XXXX XXXX XXXXXXXX ( d ) ( XXXX ) A Consumer Report does not include XXXXXXXX XXXX XXXX XXXX XXXX and if that is the case and according to you late payment history is included in my XXXX XXXX XXXX XXXX why are you reporting late payments on my consumer report when it's part of XXXX XXXX XXXX XXXX XXXX Also, according to FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( XXXX ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are also considered transactions which should not be included in my consumer file XXXX you are in clear violation of the XXXX XXXX XXXX XXXX XXXX ( d ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( i ) I am demanding that you delete the above late payments from the above account immediately or I will escalate this matter to taking legal action and report you to the CFPB and XXXX XXXX The reporting of such information that is not supposed to be in my consumer file has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. Failure to respond satisfactorily with deletion of the above referenced account ( XXXX ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX of Character ( per XXXX ) XXXX Enablement of Identity Fraud XXXX Debt Collections Practices Act XXXX XXXX XXXX violations XXXX Credit Reporting XXXX XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
04/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
  • 91206
Web
This credit card company ( Destiny, part of Genesis Financial Card number XXXX ) has a business policy that after your card is blocked due to declined transaction as a result of for example suspicious charge in their view or opinion, you have to remember what transaction you had like 10 days ago and if you don't remember, it refuses to unblock your card. Just like I ask you what did you eat at lunch or dinner in XX/XX/2023. What If someone is XXXX or has bad memory!? He or she is XXXX!!! It is a XXXX up situation. People are XXXX. They are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX about it and they act like a XXXX XXXX XXXX From my findings in XX/XX/XXXX speaking with XXXX card customer support phone number, my card has been blocked since XX/XX/2023 and I don't remember my declined XX/XX/XXXX charges in XX/XX/XXXX after 10 days!!! The correct way of resolving this issue as other banks have adopted this method such as XXXX XXXX or XXXX XXXX XXXX is they have to review transactions one by one and ask if you recall or acknowledge or have a knowledge of such or such transaction with name and amount. Destiny keeps them mystery puzzle I as a consumer have to solve for them while they already know it and see it. Representative 's supervisor refused and also said he can not give me executive office 's phone number or ask executive office call me for follow up and caring. They say we send you new card and you wait for new card. I said no. I don't want my card be interrupted and wait for new card. I want to have my issue resolved with the method I explained above. They refused saying they have a business policy against it and the way they handle is their business policy which I protested and stood up to it like a stand off situation. Since I paid {$75.00} annual fee and only could use it one month ( one statement cycle ) which i attached, statement ending in XX/XX/XXXX and I have not been able to use it since XX/XX/XXXX, I am also disputing their $ XXXXannual fee should be discounted to {$6.00} and close my card effective XX/XX/XXXX, because I oppose their business policy and i protest. I do not budge and they have to correct their corrupt business policy. I don't fund corruption. Keeping customers and keeping them happy customers is art which they failed and they failed measurably. {$68.00} of the annual fee must be refunded to me and interest assigned must be adjusted accordingly. If this doesn't happen I am initiating a legal dispute with authorities seeking arbitration and other means on their cost and expense because they have violated my citizen rights and the right to live prosperous as US constitution has promised us. {$110.00} - {$68.00} = {$47.00} And Destiny has to cancel interests associated with annual fee or adjust accordingly. You have to update and correct credit reports or I will file disputes too. I am a US citizen and I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
02/28/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • VA
  • 23116
Web
XX/XX/XXXX Genesis FS Card Services/Indigo/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Dear Sir or Madam : This letter is in regards to the predatory/criminalistic lending practices of the above-mentioned company. Genesis FS Card Services is the parent company for XXXX XXXX an Indigo. I originally got an engagement ring for {$2700.00}. I paid on that ring on time for a couple of months, and then I called the wedding off. I tried to take the ring back to the store. The XXXX who sold the ring didnt want to give his commission up ; so, he said he wouldnt take it back. I held on the ring for a couple more months while paying on it. They settled it with me. Right after they settled it with me, I took the ring back to the store. They accepted it. They said that I had to pay a re-stocking fee. I asked them if I paid the re-stocking fee if they would take the settlement off my credit report. They said Yes but that I would have to get some more merchandise before they would do it. I got some more merchandise totaling {$4000.00}. I have paid this down to {$750.00}, which I am paying at the rate of $ XXXX on time. I applied for a credit card thinking that it was from another company, Indigo, only to find out that Genesis FS Card Services was the parent company for Indigo. When I would call in to make my payments, I could not get through to the right account ; they misappropriated my funds that were to go to XXXX XXXX and applied it to the Indigo card. The Indigo card has only a {$300.00} limit, and in one month, XX/XX/XXXX, Ive paid out {$1100.00} for a card that has a {$300.00} limit. By the way, I have never spent more that {$100.00} at any given time. They have held {$910.00} of my money and refuse to give it back. My Indigo credit card was hacked for various online accounts not of my own doing. I have a letter from Genesis stating such facts that also states that I am not responsible for those various fraudulent purchases. I paid in the month of XX/XX/XXXX as verified on Genesis FS card services documents XXXX - XX/XX/XXXX I paid a total of {$910.00}. On XX/XX/XXXX at XXXX pm I spoke with XXXX ( XXXX # XXXX ). She then let me know that Genesis went into my account and got {$69.00} for XXXX monthly payment, which brings the grand total to {$980.00}. XXXX ( XXXX # XXXX ) also stated that any overpayment to the Indigo card would be transferred to my XXXX XXXX account. For the month of XX/XX/XXXX I paid a total of {$190.00} on my XXXX XXXX account, which is my monthly payment, which I paid online. These transactions can be referenced by # XXXX. I spoke to XXXX, the supervisor for Genesis regarding XXXX on XX/XX/XXXX. He opened a fraud case ; he noticed fraudulent activities ( # XXXX ). XXXX then told me that the transfer of funds from Indigo to XXXX XXXX did not happen, yet. Ive called several times, and all they can tell me is that a determination has not been made yet, that it is in the hands of the back office. I found out on XX/XX/XXXX that I have a positive balance of {$250.00} on my Indigo card and that they would not be returning my money, nor would they transfer that to my XXXX XXXX account. On Genesis company letterhead, they are blatantly stealing from me. PLEASE, HELP AND ADVISE.
11/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • AZ
  • 85140
Web Servicemember
Always making my payments on time, XX/XX/XXXX I noticed my payment was not pending for deduction from my account, mind you I always pay my payment 2 days before the due date which is the XXXX of every month. I looked onto my my account online and saw that I was being charged for a late fee of XXXX and an over limit fee of XXXX. I called the company right away and asked the representative why my payment was not posting and that I had paid the payment. I explained that I was not a consumer that is never on time and asked if they could accommodate that for the error. The rep said that I needed to make a payment of XXXX, which I could not afford at the moment to do, so he then asked if I could make the XXXX and then another on XX/XX/XXXX, I said yes and he then told me that my late payment fee of XXXX would reflect as soon as the second payment was made by the overlimit fee was valid and he could not remove that. Moving onto Novemembers payment I made on time and yet again I am being charged another over limit fee of XXXX and a XXXX late payment fee which I made my payment on time and was paid on XX/XX/XXXX. I called and explained again to the female what was said to me. She said she could only remove the late fee of XXXX and that the overlimit fee was valid and the reason I was being charged that was because the minimum payment was not paid of XXXX. I again explained to her what was told to me from the rep from last month and she proceeded to tell me that she could not remove the fees and then she supposedly put me on hold to speak to a supervisor about the previous late payment fee of XXXX. She said that the reversal of the late fee would show in XXXX to XXXX hr of the XXXX and XXXX to XXXX weeks for the XXXX from the previous rep. I then asked how much my payment would be once those would reflect my account. She said it would be XXXX, then XXXX mins later she said that the statement already went out as of XX/XX/XXXX, mind you my payment is due on the XXXX, and the payment would be XXXX and change... I asked why that is not what she told me and she said they can not change the minimum payment. So I told her that even with the credits that they are supposedly doing to my account, I am still stuck paying those fees anyway, that when it gets credited to my account that it wont reflect my available balance and that they are just stealing my money, and if I don't pay the XXXX and change then I get more fees on top of that where as the credits would of taken care of my minimum balance they so like to make up as they go along. I recorded the conversation with rep and advised her of doing so. XXXX Credit Card company is fraud to it consumers promising them they will fix the error and then leaving them the next month and month after to broken promises. Another thing is why arem my late fees different amounts as well as the overlimit fees??? most credit card companies are consistent with their fees. The rep also informed me that I can opted out of the overlimit program which I was never informed of being opted in to begin with. She said that opting out would stop the fees of overlimit but she can't credit those back to me either since I never knew I was in to begin with.
03/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • IL
  • 60624
Web
Hereon ; this day of a XX/XX/2023 ; this is hereby a civil notice notifying you sir-mam as an official for an Indigo XXXX Genesis FS Card Services XXXX XXXX XXXX this legal civil notice is in fact a legal civil claim ( XXXX ), thats hereby pleading a claim ( XXXX ) ; via a litigation process that has hereby begun ; against you sir-mam as an official for an Indigo XXXX Genesis FS Card Services XXXX XXXX XXXX concerning XXXX an Indigo XXXX account XXXX ; XXXX no. XXXX ; Thereon XX/XX/2023 there was an on time bill payment properly made by myself XXXX XXXX XXXX ; thereto the so stated XXXX XXXX a credit card ; that is an on time payment properly ; and reasonably made as of a {$40.00} ; to an Indigo, XXXX account XXXX ; via my XXXX account XXXX ; that is an authorize debit was made to my XXXX account XXXX ; without fraud from anyone concerning ; the bank funding transactions was hereby allowed ; by myself to withdraw the funds ; as so stated herein this cause, or matter as a civil claim ( XXXX ) ; herein this civil notice the funds was legally claimed from my XXXX account XXXX ; in the amount of a {$40.00} ; thereon XX/XX/2023 ; again the payment was made on time ; therefrom sir-mam you as an official for a an Indigo XXXX Genesis FS Card Services XXXX XXXXXXXX XXXX must hereby an Oath as well as a Testimony of a certain office, either respond as a pleading claiming by an affirmation, or a denial hereto this civil notice ; as a civil pleading, claiming ; as a claim ( XXXX ) for the so stated cause or matter herein this legal action litigation process ; In addition sir-mam your response as an answer will only be accepted ; as an Oath as well as a Testimony ; of a certain office that has jurisdiction of this legal civil notice ; legal civil claim so stated cause or matter civil notice ; therefrom this day of service hereon ; a XX/XX/2023 sir-mam you only have a XXXX hrs., time frame to hereby respond as an affirmation ; or as in fact a denial hereto this legal civil claim ( XXXX ) ; within the so stated time frame of a XXXX hrs. time frame sir-mam you sir-mam as an bank official for an Indigo XXXX Genesis FS Card Services XXXX XXXX XXXX will hereby this legal civil notice ; as an official personal who has refused to hereby respond as an affirmation, as well as a denial ; within a XXXX hrs. time frame ; thereafter sir-mam a XXXX hrs. time frame any, and all legal claims that you may have as in fact a pleading; claiming for servicing a response ; will hereby this legal civil notice, and this legal civil notice will hereby be denied ; as well as unacceptable ; and considered as being in fact ; an illegal claim ( XXXX ) as in fact a response ; moreover you must service your pleading ( XXXX ) for the so stated ; cause or matter as in fact a claim ( XXXX ) ; hereto myself all within a XXXX hrs. time frame hereto myself a XXXX XXXX XXXX email address ; XXXX ; In addition ; hereto this legal civil notice you must respond within a XXXX hrs. ; hereto the filing therein office of an eFile XXXX XXXXXXXX ; case no. XXXX ; Indigo FTC XXXX ; XXXX XXXX in addition there is several other pleading ( XXXX ) hereto this civil claim as a legal notice ;
05/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34953
Web
Milestone XXXX XXXX XXXX have both abused my trust & have damaged my credit report, reputation & my livelihood. My XXXXXXXX XXXX XXXX health have never been in so much jeopardy. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX XXXX, Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30076
Web
In reference to the following account below : XXXX Acct # XXXXXXXX XXXX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), `` There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, any Consumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. All consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX does not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
03/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • LA
  • 70003
Web
I stayed at the XXXX XXXX XXXX XXXX for XXXX nights. Each night was reserved and paid for separately using 3 separate virtual charge cards and paid for the same night room was reserved. I had used my destiny charge card to pay for the {$100.00} incidental deposit that the hotel requires to be paid upon checking in which is then returned after checking out. Below are the 3 nights and charges made on the 3 separate virtual charge cards : XXXX In XX/XX/XXXX XXXX out XX/XX/XXXX - {$79.00} XXXX In XX/XX/XXXX XXXX out XX/XX/XXXX - {$64.00} XXXX In XX/XX/XXXX XXXX Out XX/XX/XXXX - {$67.00} Fast forward to late XXXX... I log online to view my Destiny credit card statement to find that XXXXXXXX XXXX had not returned my {$100.00} incidental deposit but instead charged my card twice in amounts unknown to me. One charge was for {$140.00} & the other for {$520.00}. I couldn't reach anyone on phone at the hotel so I ended up going down there and the lady at front desk wasn't even able to tell me what the charges were exactly for but was able to print everything out for me and gave me a number to call for accounting. I attempted a few times to call the number she gave me but was not able to ever get ahold of anyone in accounting at the hotel. I then contacted Destiny / Genesis customer service within the 60 days of charges being posted to my account and I ended up submitting a dispute in regards to these charges because I'm confused to what these charges are from and why I was charged these amounts instead of being reimbursed my {$100.00} deposit. After about 30 days I hadn't heard or received anything in regards to the dispute so I contacted Destiny and was told the charges were still being investigated. As More and more time had passed I still hadn't received anything on the outcome of my dispute so I contacted Destiny again. This time I was told by the rep that the investigation was completed and that they will mail me their findings. I asked if she could verbally let me know what the outcome was and what charges were for but she couldn't. So I confirmed my mailing address and have been looking for something ever since. But as of today ( has been well over 30 days now ), I have yet to receive anything in the mail ( I typically throw what may seem to be junk mail away without opening but have been opening every single piece of mail receive just in case ). Well, Now I'm past my 60 day dispute time and past the 15 days to appeal whatever discussion had been made based on their findings made and the charges are still reflecting in the balance I owe to destiny. I am now not sure if there is anything I can do to fight these two charges bc of the timing and even though I know I shouldn't of, I've stopped paying my monthly bill to destiny. PLEASE, I NEED TO KNOW WHAT OPTIONS I HAVE TO CONTINUE WITH TRYING TO GET THESE CHARGES RESOLVED ( AND KNOW EXACTLY WHAT THESE CHARGES COULD POSSIBLY EVEN BE FOR ). THANK YOU IN ADVANCE FOR YOUR TIME AND ASSISTANCE WITH THIS MATTER.
03/16/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • ID
  • 83709
Web Servicemember
I have two credit cards with the same company ( Genesis ). I have a Milestone Master card and an Indigo card. I am NEVER late on my payments! I used two separate bank accounts to pay both bills early. I have the evidence ( Bank Statements ) Milestone has sent me a letter saying I am late and has been charging me excessive fees. I contacted them on numerous occasions. After being transferred multiple times I was finally able to speak with a person that discovered the company has been applying both payments toward one card. They promised to fix my bill and card. For more than three weeks now I have been in contact with them and the agents transfer me around to multiple people and say its under investigation review and they are going to fix it. I received a call today from them, they attempted to state I was late and over limit. I requested a supervisor, explained the situation and they again said they are working on it. While speaking to the supposed supervisor I made sure she took down my phone number in the case the call drops. She said ok, 2 minutes later they went silent and hung up. They didnt call me back. This company is fraudulently reporting to me I am behind and attempting to charge me with late fees. I have always paid my cards early or on time. I have the bank account proof. They continuously put payments on only one card. I have provided both account numbers and card numbers each time I have paid. Every time I contact them, they transfer me to multiple people, havent resolved their billing errors and are trying to charge me and are going to ruin my credit. My Milestone card ends in XXXX my Indigo card ends in XXXX! They have identified their mistakes and admitted to it, yet they havent fixed the issue! I am fearful this Genesis Card company is fraudulently reporting me as late on my Milestone Card and have not brought my account as current and fixed their internal issues. They constantly transfer me to different supervisors admit to their faults, and then the calls disconnect and I receive no call back! I am demanding they bring me CURRENT and I have EXCEPTIONAL PAYMENT HISTORY WITH ALL OF MY CREDIT CARDS and I want to rid of this credit card company. I would like to follow with a lawsuits against them. Please advise me on this and call me at ( XXXX ) XXXX NOTE : I have also reported to them that I have made numerous attempts to access my online accounts with them and it always shows unable to access or no history of the information provided. I have been walked through processes with their agents and still no access. They promised me on numerous occasions that their IT would contact me and I never receive a call or email! This company is taking money from consumers and my fear is they will ruin my credit! Please contact me! I am providing two snapshots of my different bank accounts as proof of what they have done! They clearly show {$100.00} payment from XXXX Account and a {$40.00} payment from my XXXX Account! Thanks
05/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76014
Web
I got a call from a representative from Genesis Card Services on today. Monday, XX/XX/2022, and I am continually getting representatives that are breathing on the voicemail or saying my name continually and then hanging up the phone. I recently received a call on XXXX, XX/XX/2022, at XXXX and the representative did not leave a voicemail. I feel these tactics are Genesis being able to say that an attempt was made to contact me. I found out it was Genesis Card Services after looking up on XXXX and reading the reviews. I dialed the phone number as well and an automated prompt came up for Genesis Card Services. The phone number used is XXXX. Genesis FS Card Services and is a subsidiary of XXXX XXXX XXXX XXXX XXXX. https : XXXX There must be a representation, OMISSION, or practice that misleads or is likely to mislead the consumer. An act or practice may be found to be deceptive if there is a representation, omission, or practice that misleads or is likely to mislead a consumer. Deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be found to be deceptive if it is likely to mislead consumers ... Omission of information may be deceptive if disclosure of the omitted information is necessary to prevent a consumer from being misled. An individual statement, representation, or omission is not evaluated in isolation to determine if it is misleading, but rather in the context of the entire advertisement, transaction, or course of dealing. I find this to be a deceptive act by Genesis FS Card Services because I am unable to know my account standing as of now. Secondly, the representatives have not left a call back number for any debt resolution. The omission of this information has caused me to be unable to decipher or determine what is my best decision after as debt resolution with their company. Lastly, I have not been informed of any changes to my credit reporting or any risks I have with the current standing of the account in compliance with : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
10/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MI
  • 48141
Web
On XX/XX/2021 I made my payment in full after I made my payment on XX/XX/2021 I went on line and checked my credit statement and noticed that there were some payment made on my account that I didn't make so I file a dispute with Indigo credit company in XX/XX/2021 ( I don't remember the date ) so the company total me that I could not use my card for 30 days and they would send me a new credit card. So when I receive the new credit card I didn't not activate until XX/XX/2021 so the next day I check my credit card statement I noticed that there were payment still made on my credit card so I call customer service to talk about my account they started ask me for my password and I told them that I didn't help put a password on my account, and I asked the customer service lady how do you go by putting a password on the account, she told me that I would have to call in to speak to someone to put in the password, so on XX/XX/2021 I got a letter in the mail saying I owe {$290.00} so I call customer service spoke to customer service and she ask me for a password and I told her I didn't not put a password on my account so I ask to speak to a supervisor so the supervisor came on the phone and I explained that there were problems on my account and I didn't put a password on my account so she took down my complaint and she stated that she was going to report it to the Faurd Department and she was going to block my account so it could not be use until the matter is resolved and she would call me back by Wednesday as when Wednesday can no calls Indigo did send me another credit card so I call the customer service again to talk about my account and this time no one ask me for a password and I told them that I would not activate this card because I have had so much problem with someone changing things on my account that I will not activate this card and they told me that they understood. So that mean when a Fuard complaint was made they send me another card so I have not activate because I'm afraid. So I check my credit card statement and saw that I still owe them {$49.00} dollars that was due on XXXX XXXX so I call on XX/XX/2021 to make a payment {$49.00}, so when I spoke with payment center again no ask me for a password I discussed my account with them and said I would like to make a payment and so they told me that I didn't need to make a payment because I didn't owe them anything that they owe me {$62.00} so they told me that they could send it to me in a check, I was shocked so I said that I would call you back. So I call on XX/XX/2021 trying to discuss my account once again and they are still asking for a password something that I didn't put on the account. I just want my refund and the account closed with them. The supervisor told me to mail them my driver 's license along with a letter. I told them that you must be crazy to give you more information on me. Help I do not want to deal with Indigo credit card company anymore.
01/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IL
  • 60652
Web Servicemember
I closed my account with CB Indigo which also goes by the name of Genesis FS Card Services. CB Indigo had applied excessive over the limit fees to my account after the account was closed. They then fraudulently sold my account to a collection 's agency who attached themselves to my credit reporting agencies trying to collect a debt they are not entitled to. The collection 's agency will not be mentioned in this report because a complaint went out to them on or after XX/XX/XXXX. On XX/XX/XXXX their investigative findings ruled in my favor and any further attempts to collect the debt has been suspended with notifications going out to all of the three major credit bureaus to discontinue any further negative reporting. On XX/XX/XXXX I called CB Indigo aka genesis fs card to pay off my balance and close the account. The call taker ask why I wanted to close the account and I informed to her that a XXXX XXXX XXXX line of credit was no longer beneficial to me. Furthermore, I told her that I had much higher credit limits on other accounts and that this account was never going to increase it's credit line. She said she understood and proceeded to look over my account. She stated the the balance was {$260.00}. I gave her my XXXX debit card info and processed the payment. She asked if there was anything else needed and I said no and we closed out the conversation. About a month later I received a notice indicating I had an outstanding balance. I called them and this time the call taker informed me that my account was over the {$300.00} limit. I informed her that the account had been paid in full and the account was closed effective XX/XX/XXXX. She then stated the payment was charged back to my account at which time I told her to hold on as I pulled up my bank statements form XXXX XXXX. I looked over the account and informed her that the payment was never charged back to my account and the payment was processed and cleared. She further looked over my account and stated a mistake had occurred on their end and she was going to correct the problem. She went on to say those were fee assessments. She then stated she removed the fees and informed me that account was paid in full, with a XXXX balance making the account whole. I thanked her and the conversation ended. In XX/XX/XXXX seven months later I received a letter from genesis fs card services stating that my account had been charged off due to an outstanding balance of {$280.00}. My bank statements clearly show the payment was received and processed. I reached out to CB Indigo several times to no avail. I have paid for a credit repair company to intervene as well. Still the results all have been the same. The credit repair company informed me to obtain a law firm to handle my case. I did that and the law firm informed me to contact CFPB. So, I have escalated this all the way to this Bureau for assistance. I have documents that will support all of what I stated.
07/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • DC
  • 20001
Web
In XXXX of this year I logged into my Milestone, Indigo, and Destiny credit accounts ( all owned by the same company ) to completely pay off each account. The day before scheduled payment, I noticed the payment had disappeared from pending transactions in one account and having checked the other two, noticed same. Thinking the payments had been canceled or simply not gone through, I scheduled the same exact payments again to ensure that they were made as I since acquiring these credit building cards I have had nothing but issues and seen an overall degradation of my credit. Previously, payments have never been processed on the transaction date, varying from 1 day to a week afterward. This time, however, they debited both payments ( 6 in total for the three different accounts ) leaving me with a negative credit balance. However, rather than return a single payment, both were returned, each with a returned payment fee, a reported late payment fee, as well as several fees for being overlimit. Their customer support did nothing, and when asked to escalate to a manager I was left on hold long enough to simply give up. I've since tried to make payments encountering issues every time. Most recently, I attempted to pay off all three accounts again, scheduling the payment for XX/XX/XXXX and the same issue occurred, again. Calling customer support on XX/XX/XXXX I was told that the Indigo payment could be seen and would be processed as well as the Destiny payment. The canceled and resubmitted ( created a new bank account solely for the purpose of closing these accounts but had selected a previous bank account ) Milestone payment was not showing. Reference numbers provided for the above : Milestone - XXXX payment not showing Indigo - XXXX - payment showing Destiny - was not given a reference number but told payment showing. I was told for Indigo & Destiny payments o that they usually withdraw funds 1-3 business days and that as this was Wednesday XX/XX/XXXX to expect it to be debited from my account that day or the next. I was further told that the Milestone payment was not showing and that I should reschedule a payment with them. I declined not wanting a repeat of the XXXX incident in which I incurred fees and a massive ding to my credit. However, as of XX/XX/XXXX, each of the three accounts is showing no payment being made with the Indigo account now reporting as late on my credit report leading to another XXXX decrease in my score. Further, another attempt at payment on the Destiny and Milestone card for the minimum payments due were made on XX/XX/XXXX for XX/XX/XXXX ( I took pictures and screenshots of the payment confirmations ) and the accounts are still showing as being in arrears. These accounts have now cumulatively cost my credit score to decrease by 150+ points and I simply want to have them fully paid off and closed as well as all fees reversed.
09/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07011
Web
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a written notice of dispute requesting debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA via XXXX XXXX Mail to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. which has not been fulfilled. On XX/XX/XXXX and XX/XX/XXXX I sent a Cease and Desist Notice to cease any/all collection actions until the alleged debt was properly validated to XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX which has been ignored. On XX/XX/XXXX and XX/XX/XXXX I sent another Cease and Desist notice and written notice informing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. that I'm a victim of identity theft and the fraudulent account does not belong to me which has been ignored. As of XX/XX/XXXX I have NOT been provided competent evidence of my legal obligation to pay XXXX XXXX XXXX XXXX XXXX XXXX. I requested the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. What the money you say the alleged debtor owes is for. Explain and show how you calculated the alleged debt. Provide me any documents that show proof I agreed to pay the alleged amount owed. Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX XXXX XXXX. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Please Note : A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). Additionally, on XX/XX/XXXX GENESIS FS CARD SERVICES sent a notice informing me that the fraudulent account resulting from Identity Theft has been blocked and removed and would no longer be subject to collection actions. Furthermore, pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, XXXX XXXX XXXX XXXX XXXX XXXX. is in violation by not responding to my notice of Identity Theft within 30 days.
11/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 177XX
Web
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by CB INDIGO. While checking my credit report, it came to my notice that CB INDIGO has furnished an account ACCOUNT # XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major XXXX XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by CB INDIGO will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT XXXX XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or CB INDIGO, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. If you do not cease communication I will escalate the matter to a Federal Complaint.
11/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • LA
  • 705XX
Web
There has been statements which have not matched my records and statements which have not been in accordance with the disclosures that GENESIS FS CARD SERVICES that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. The billing statement I received by GENESIS FS CARD SERVICES on XX/XX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in XXXX XXXX XXXX. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done GENESIS FS CARD SERVICES can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( 3 ). If GENESIS FS CARD SERVICES reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. GENESIS FS CARD SERVICES as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by GENESIS FS CARD SERVICES will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for GENESIS FS CARD SERVICES for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
08/20/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • XXXXX
Web
Last year I applied for a Milestone credit card, also called Genesis F S card services. I kept the card a few months before activating it, which put me around XXXX for activation. I had to contact them of when the payment was due because I hadn't gotten paper work. They actually told me the wrong date, which I later discovered and put it on my credit report and it was their fault. That's not the big issue. My payment are due by the XXXX of each month. In XXXX of XXXX, I made my XXXX payment on XX/XX/XXXX. Then I made XXXX payment through their phone system on or about XX/XX/XXXX. The payment was cleared by XX/XX/XXXX. I started getting late notices about this transaction. I called Milestone and that representative told me to get my bank on the phone. I did and Milestone refused to accept what the bank was stating. The representative even accused me of not having enough money to go through. The bank representative told him that it had been cleared, the one on XX/XX/XXXX and the one about XX/XX/XXXX. I was in constant touch with them from 1-3 times monthly until about XXXX. I sent a notice stating that every late fee and over the limit fee they were charging me monthly to be erased because it was false charges. A couple times they told me if I paid {$80.00} that it would be fixed. Not so To shorten the story, I contacted them in XXXX of XXXX and they stated that someone else in my household ad a Milestone card. My question was what did that have to do with me because the last 4 of our socials and the last 4 of our card numbers would be different. I again said to the representative that I wanted all late fees and extra charges removed from my account. Her response was " But there's someone in your household with a card from us ''. Again I repeated what I said earlier about the socials and card numbers. She said, wait until you get the letter from us and it will explain more, but for now I owed XXXX XXXXXXXX XXXX and XXXX some dollars and it would remain that way. I believe I've over paid them by now. I also sent a request that they not renew my yearly contract with them. Close the account were my words. No one for a few months tried to seek out the problem just accuse me of not having enough money in the bank or not making the payment at all. I had to keep calling and they didn't start seeking anything until around XXXX when I told them if they didn't get this fixed, I was getting an attorney. After that they came up with someone else in the household, which still has nothing to do with your failing payment system and negligence. There were times after this I tried to make payments on their system, couldn't and I called and informed them of it. So glad this disastrous night mare is coming to an end and maybe now my credit can be corrected. Thank you for your help! Sincerely, XXXX XXXX
02/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • PA
  • 19145
Web
On Friday, XX/XX/XXXX I received an email alerting me that I chose Milestone Mastercard and a card would be sent to me in 7-14 days. The issue is that I have never appliedfor a Milestone Mastercard. I first searched the company and tried to call them to alert them that I did not apply for the credit card, but upon calling the number I found through their website they prompted me to input my social security number. I did not input my SSN and tried to call the XXXX XXXX XXXX which is the issuing bank on XX/XX/XXXX in the afternoon. The XXXX XXXX XXXX transferred me toGenesis FS Card Services , Inc. While on the phone with them they told me that I could either provide my SSN or would have to wait for the card to arrive in the mail.I did not give them my SSN. On Friday, XX/XX/XXXX, I checked my credit reporting and didn't see any hard inquiries. I also locked the XXXX and XXXX credit bureaus and froze my credit with XXXX. None of these credit bureaus had any inquiries or accounts associated with Milestone Mastercard or Genesis. The card arrived in the mail early in the week of XX/XX/XXXX, but I was out of town. In the mail the correspondence looked very similar to other credit card paperwork I have received. I did NOT activate the card, nor did I go to the website to activate the card. On Friday XX/XX/XXXX I called the XXXX XXXX XXXX again and was transferred to Genesis FS Card Services , Inc. where I attempted to close the account and get it marked as Fraudulent. As far as I can tell, based on the conversation they marked the account as Fraudulent, but weren't able to tell me if there was a balance on the card because I refused to give them my full address or SSN even though I did give them the card number. They also at different times said that they can't give me information on the account because it was marked as fraudulent. They told me that I would not receive anything in the mail to say that this account was marked as fraud and closed unless I went through www.identitytheft.gov and put my information there so they could match it in their system. I told them that as soon as a credit account is closed that I should receivewritten notice and that I believe it was them that actually opened the account and not an individual not related to their business. I have checked with the credit bureaus daily to see if there were any hard inquiries or updates to the accounts under my name and there are not. My belief is that Milestone Mastercard and Genesis FS Card Services , Inc. send out credit cards like this without an application and then consumers activate the card not knowing that they didn't even apply. I believe this is a shady and perhaps illegal business practice. There is nothing else to indicate that my identity was stolen and someone tried to apply for this card.
12/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • OH
  • 436XX
Web
I have a Milestone Mastercard. I make the payments on time, every month. In XX/XX/2021 I made a payment, then attempted to use the card a few days later. The purchase did not exceed my available credit, but the sale was declined. I logged onto the Milestone site, to check my account, and discovered that my most recent payment had been processed, I should have had credit available, but my available credit was listed at zero. I called their customer service. I was placed on a lengthy, lengthy hold- before finally speaking to someone. I described the issue and was told that I'd have to speak a supervisor. Another lengthy hold. At this point I've been on the phone for a 1/2 hour. The supervisor tells me that they'd spotted a fraudulent charge on the account, and frozen my credit. It wasn't a fraudulent charge, it was a regular recurring charge ( which had gone through previously ). The supervisor assured me that they'd send and email to the fraud department, and the account would be unfrozen within 3 business days. Three business days later, the credit was still frozen. I contacted XXXX customer service again, this time I was informed that no email was ever sent to the fraud department and it'd be another week or so before the account was unfrozen. It took a good portion of the month, and several lengthy phone calls to get XXXX to correct the mistake they made. The various supervisors I spoke to during this process assured me it wouldn't happen again. On XX/XX/2021, I made another payment, was preparing to make a purchase, but discovered the account had been frozen again. This time there was a twist, when I tried to call customer service ( XXXX ) XXXX, there was a recording stating that number was not accepting calls. There was no chat function, and no email address. It was as if they'd deliberately tried to make it difficult to contact them, and thereby never provide customer service. I had to XXXX an alternative, obscure contact number for their customer service. After another lengthy hold, another conversation with a customer service rep, followed by another hold - I spoke to a supervisor who informed me that XXXX had done the exact same thing they'd done in XXXX and sworn they'd never do again. Again I was informed by the supervisor they'd contact the Fraud department, and the account would be unfrozen within 24 hours. They had no answers to my questions about why it was virtually impossible to contact them directly. I spend more time battling with XXXX, getting them to unfreeze my account, than I do actually using the card. It's difficult to use the card, difficult to use the credit and they make it nearly impossible to contact them. This doesn't seem like an ethically run business or ethical financial institution.
11/24/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MA
  • 02130
Web
Ok this is the more recent and most relevant explanation of my situation with indigo credit card/ Genesis card services. I Typically Indigo reports to the credit bureau on the XXXX of every month its been this way since I opened the card XX/XX/XXXX. In the past 23 months I've had one occasion where I was 30 or more days late there was an online payment issue the funds were never taken from my account until the following month I believeit was {$28.00} Indigo would not give me an ear. I hadn't had a late payment 12 months before nor after. the XX/XX/XXXX late payment was irregular and what I believe to be an error on Indigos part. Indigo continues to make negative remarks on my report affecting my score greatly. XX/XX/XXXX a remark was made and a change was added to my payment history bringing my score down XXXXpoints almost as retaliation for a dispute I made about incorrect reporting. Made XXXX. I paid my balance to {$0.00} I used my card on the XX/XX/XXXX and XX/XX/XXXX Indigo reported on XX/XX/XXXX instead of XX/XX/XXXX as per usual. Further more indigo keeps prompting me to enroll in overdraft protection which I declined. My XXXX statement shows {$0.00} balance yet a balance increase of {$320.00} was reported XX/XX/XXXX which lowered my score XXXX points. I called to file a dispute on XXXX. I questioned why my account was able to go over the limit although I wasn't enrolled in overdraft service as well as disputed indigo reporting later than usual. Indigo customers service explained they had no record of reporting on XX/XX/XXXX and that an investigation would begin. I proceeded to make a payment of {$230.00} on XXXX to bring my account current during the investigation. Inigo reported once again XXXX of a balance decrease of {$230.00} with a {$95.00} Balance showing which is still incorrect because non of my transactions made after XX/XX/XXXX should be reported until XX/XX/XXXX. I call costumer service again to inquire about the investigation and to question why indigo reported again showing my last payment made XXXX indigo reported to me the investigation was complete and that the amount was reported correctly and that indigo had no record of reporting on my account on XX/XX/XXXX nor XXXX that they could do nothing els to help me. Indigo reported on XX/XX/XXXX as previously scheduled showing a {$0.00} balance also adding a negative remark changing a payment history from 3yrs ago I don't understand. The continuous damage to my report is costing me time and money now that im in the process of buying my first home. Indigo 's irresponsible care of my account is most damaging to my financial future. Currently in the process of securing legal representation Pending this final attempt to resolve my current unfortunate situation
02/23/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30088
Web Servicemember
No written consent has been given my to authorize the following credit cards associated to my identity. Under numerous attempts to remove these fraudulent accounts from my report the crediting agency has refused to remove the accounts. CB INDIGOXXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following inquiries are also negatively impacting my credit worthiness. I can confirm they are not valid inquiries since I have not physically signed any document or notarized any official authorization of a credit pull. Therefore I am demanding the immediate removal of these inquiries from my credit report because they are not authorized with my written consent. XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Sales And Service Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date XXXX XX/XX/XXXX XXXX Department And Variety Stores- non specific Inquiry date : XX/XX/XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX BANK XXXX NXXXX All Banks Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX BANK XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX BANK All Banks Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX . Inquiry date : XX/XX/XXXX XXXX
01/18/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • IL
  • 60638
Web
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX XXXX XXXX, a debt collector, and the original creditor, GENESIS FS CARD SERVICES INC, for the illegal and unlawful collection and reporting of a debt that was charged off as an asset for the creditor. XXXX XXXX XXXX has reported the debt as fully paid, despite the fact that it was legally considered an asset for the creditor with the charge-off. This act violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 4 ), which prohibits the reporting of debt as fully paid when it has been charged off. This act also violates the FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of a debt that is not legally enforceable against the consumer, intentionally hurting my credit score with prejudice and without a legal contract with me from the inception of the debt with the original creditor ( GENESIS FS CARD SERVICES INC ) . Additionally, XXXX XXXX XXXX and the original creditor have violated the Consumer Financial Protection Act ( CFPA ) by collecting and reporting a debt that was charged off as an asset for the creditor. Specifically, this act violates the CFPA 's provisions on consumer protection, in particular, 12 U.S.C. 5531, which prohibits any act or practice that is unfair, deceptive, or abusive to consumers. Furthermore, XXXX XXXX XXXX and the original creditor have violated the Truth in Lending Act ( TILA ) by not providing accurate and complete information about the debt and the terms of repayment. Specifically, they have violated TILA 15 U.S.C. 1632 ( a ) by not providing accurate and complete information about the nature and terms of the debt, and TILA 15 U.S.C. 1639 ( a ) by not providing accurate and complete information about the terms of repayment. Additionally, XXXX XXXX XXXX and the original creditor have violated the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act by collecting and reporting a debt that was charged off as an asset for the creditor. This act violates UDAAP 's provisions on consumer protection, specifically 12 U.S.C. 5531, which prohibits any act or practice that is unfair, deceptive, or abusive to consumers. I respectfully request that the Consumer Financial Protection Bureau investigates these violations, holds XXXX XXXX XXXX XXXX and GENESIS FS CARD SERVICES INC accountable, and requests them to submit a removal of this illegal, unlawful, and collection abuse from my credit report. I also request that these two companies ask the reporting agencies to send me a corrected copy of my report upon deletion. Thank you for your attention to this matter. Sincerely, XXXX XXXX
12/18/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • LA
  • 708XX
Web
There was a credit card account with XXXX, which shows up as FEB-RETAIL in my name and made two attempts to apply for credit with XXXX XXXX XXXX I received and alert from XXXX XXXX on XX/XX/2022 about the XXXX account. Also, received bill from Genesis with several purchases of XXXX Laptops plus other purchases. I immediately called the company using the phone number on the bill. Once I got through to a Representative the asked for my name, address, phone number, and email address. When the Representative found that the email address was different she immediately connected me to the Fraud Department. I spoke with someone in the Fraud Department who closed the account and stated he would be sending me paperwork to fill out to report the the fraud. Also, I tried several times to reach/call XXXX XXXXXXXX that Saturday, but was left on hold so long several times that I gave up. Although, they applied for credit with XXXX XXXX the application was denied. They made two two attempts and were trying to get a a quick response from XXXX XXXX, because I received a second letter stating that they did not have to submit twice to get a response. However, it took approximately two weeks for the paperwork to arrive by mail. After speaking with the Fraud Department at Genesis FS Card Services, which was on Saturday I called my local police department. The Police Department sent and officer out to my home and he did a police report. The police officer also, took pictures of all documents I received from Genesis FS Card Services and from XXXX XXXX. The police officer gave me his badge number, name, police report file number, a contact number, and email address. The police officer told me to call him if any thing else came in the mail or unusual happens to immediately call the police department. I also, reported a strange vehicle parked while the mail was running, I tried to get a snapshot of the vehicles tag, but it did not have a tag. Additionally, the Genesis FS Card Services is on my credit report. I put freeze I my credit with all three consumer credit agencies and disputed the account with Genesis FS Card Services. Once, I received the paperwork from the Fraud Department at Genesis I called the police department to set up an appointment with the officer to come back out to my home and sign the the paperwork, so I could have a Notary sign and stamp the paperwork. Next, I called the police department to get a copy of the report to send to Genesis. I spoke with the investigator and she told me to file a report on XXXX regarding what happened to me. Honestly, I believe they came to my home and picked up their purchases when no one was home. Plus, we didnt have cameras.
10/26/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MN
  • 554XX
Web
The business buried the payment options in the fine print of the welcome kit. If I would have seen that I could not make debit card payments towards the credit limit then I would have canceled it right there on the spot. If I had seen that they didnt accept debit card payments when I applied for the card, I wouldnt have applied for it. The settlement that they offered me is offensive. Its not even a settlement. The credit card was for a {$700.00} credit limit. The settlement offer was for {$740.00} and to also put a very small window limit on that which again cant be paid with a debit card is even more disrespectful and offensive. The false advertising and fraudulent business practices the company chooses to do has cost me two years of hard work to increase my credit score from very poor to good which is well over XXXX points in less than four months. Now they are sending me conflicting correspondence in the mail. One correspondence dated XX/XX/23 states that the account has been closed by me and I must continue making the required payments until it is paid in full. Whatever that even means but Im sure they kept it vague so that you they add more fees and continue to destroy my credit. They contracted with or created their own collections agency, XXXX XXXX, to continue their fraudulent business practices. And they dont accept debit card transactions either. The other correspondence is dated XX/XX/23 and its an account summary statement which states that I have a balance of {$920.00}. Thats {$220.00} more than the original credit limit with the outrageous fees theyve added. And it also states theyre going to add another {$41.00} to that amount if I dont give them {$220.00} by XX/XX/23. Theyve cost me so much more than what they claim I owe then! Two years of around XXXX points of credit score building has cost me close to {$20000.00}, if not more. This business has destroyed my credit! I even tried to negotiate a settlement in good faith to stop the onslaught to my credit. Theres not a decent business on earth that doesnt accept debit card transactions. The only ones that do not are the ones that like to slowly process money to rack up fees and hurt peoples hard earned credit scores to strong arm them into paying off their entire balance quickly so that their credit score doesnt get damaged anymore. This business is falsely advertising and their business practices are fraudulent. There are over XXXX pages worth of complaints filed against this business on XXXX that theyve done, similar if not the same things that theyve done and are continuing to do to me to countless other victims as well. Its not fair and its not right.
01/07/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • RI
  • 02861
Web
I received XXXX calls from INDIGO/GENESIS FS CARD to my phone about a late payment in the beginning of XXXX. i told the rep i was never reimbursed for the XXXX credit hold from my budget rental. I was told that i would need to make the minimum payment to the account to dispute the charges. i told her i would think about it but did not understand how i was being chase down and charged for money I didn't owe. i made the minimum payment and checked my account on line. upon doing so i noticed lyft charges and no record of the hold or the money being put back on my account. i only saw that the math on the balance was wrong. On XX/XX/XXXX i called in about the hold and to dispute charges. I also had questions on the " credit hold '' that i never saw on my statement nor seen it given back to me. once i gave up on the hold i told the rep about the lyft charges that were not mine and was told that day a dispute would be done. i called 2 weeks later after still not understanding the hold and to get an update on the dispute since i was hit with interest charges on the very ones i was disputing. and was told my dispute was still ongoing. i asked about the false reporting of my credit and was told that the interest charged would be reversed, and they would take care of any negitive impact this has caused on my report once it was done. last week I called to check on the dispute and the the interest charges and was told no such dispute existed. after 2 days and finally speaking to someone who said they were in management i was told that i in fact never disputed. I called the next day to ask that my recorded phone calls be looked at and this Wednesday, XX/XX/XXXX, I was called to tell me in fact i did make the dispute and that they are looking into it. But, in the meantime did they want me to start the dispute now. i told them do not start the dispute now and they were give the allot time and communication to do their investigation and I wanted the charged removed right away. i was told this could be done even though I explained they were out of compliance with the federal law. I have paid all the charges on this Credit card except for the XXXX of fraudulent charges. I believe I'm within my rights for Genesis FS to refund my card that amount without having to go through another 60 day investigation. the amount of time it takes me to get on the phone with someone, not outsourced, is outrageousness and how they have handled my account is non professional, including the fact i was told they dont show " holds '' on cards they just take it from the balance. any and all transactions should be reported to the statements for transparency.
04/18/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60651
Web Servicemember
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am sending this letter regarding unfair business practices from Genesis Financial Services, Card Services. I, XXXX XXXX, called Genesis FS Card Services on Tuesday, XX/XX/XXXX, to pay a debt that I promised to pay when I got paid. As promised, I did just that. I paid my debt off of {$580.00} on Tuesday, XX/XX/XXXX and requested a conformation number, and a payoff letter so I could send it to all of the credit bureaus because I am trying to repair my credit. The representative said that Genesis FS Card Services would be sending the letter to me by regular mail in thirty ( 30 ) days, but instead I received the attached Exhibit A letter in regular mail dated Wednesday, XX/XX/XXXX stating : This letter is to notify you that your above referenced Account has been charged off due to delinquency with an outstanding balance of {$580.00} and sold to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX. Also, the representative claimed that they could not find a conformation number in the system to give me. This comment caused concern because dating back to XX/XX/XXXX whenever I made a payment, I have always received a conformation number immediately. Curiously, when I made the big payoff, they could not find a confirmation number to provide to me. Unfortunately, I was on the telephone with the representatives for almost two hours, being jerked around ; but, I still paid the balance off with my debit card. My card is showing the proof of payment of {$580.00}. Please see attached Exhibit B. I would like this matter investigated, and explained to me and the other agencies that I will be sending this letter to. I would like an explanation of why I am being harassed and discriminated against, in such a manner to destroy his credit. I would like to reiterate that I made the payment on Tuesday, XX/XX/XXXX and four weeks later I received a letter in regular mail on Wednesday, XX/XX/XXXX stating that my account is being sold to a collection company due to delinquency. PLEASE EXPLAIN HOW IS MY ACCOUNT IS DELINQUENT, WHEN MY ACCOUNT WAS PAID IN FULL, FOUR WEEKS PRIOR TO RECEIVING THIS DISTURBING LETTER, IN THE FIRST WEEK OF XX/XX/XXXX... You can reach me at the above address, telephone number and/or email address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/12/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TN
  • 37042
Web
There actually wasnt the correct scenario that I could find but this one was the closest. Back in XXXX of XXXX I had to have some teeth removed. It was an emergency as the XXXX was going into my bloodstream. I went to XXXX XXXX which had a credit program I was provided for the amount of the service which was XXXX. I was approved for a XXXX credit limit but opted to use only what was needed. After that I kinda fell behind as you know Covid was surging, I am a single mom of kids so whenever one would get sick I had ti miss work etc. So, then account hit my credit. At that time I was struggling to make ends meet however, trying ti keep my credit up at the same time because it was the only thing I could rely on if need be. So I reached out to them to begin making payments. So around XXXX of XXXX I reached out to them the amount was XXXX and asked if they could remove two late fees, they did and it took my amount down to XXXX. At that time I begin making payments at XXXX. Making my payments and the amount is going down. I was making extra XXXX payments as well to get my balance down quicker. I have receipts and everything of these transactions. Then one day I look and see the balance is higher then it should be so I contact them and spoke to them, spoke to three different managers at this point that assured me they would take care of it give them a week so I did and nothing. I called back speak to another manager she digs in to my account and says well this doesnt make sense I cant see where this charge is coming from because you are making your payments as well as extra payments. Still didnt fix it, so I made another payment at the XXXX plus my extra XXXX. Then the next bill comes out and my amount due is significantly higher is like XXXX dollars and Im like no way, what is going on so I reach out to them yet again. Nobody can find whats wrong, they say give them a week and they will call me back for them to investigate. They told me not to pay for the month of XXXX so I didnt and then the next payment would be due in XXXX. XXXX rolls around with this high payment due of XXXX and they tell me its because of two of the first payments I missed. I told them they couldnt do that because the original amount that was due when it first hit my credit was the XXXX and when they took the late fees away it went down to XXXX something and I begin making my payments from there and that was the agreement. All of their calls are recorded and I do not think it is fair because can go back and add payments AFTER we have made a agreement. I need help because this is affecting my life, my credit everything. Please help.
07/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • WA
  • 98531
Web
XX/XX/2023, I received a letter containing a preapproval for a Destiny Mastercard. I went to their website at www.destinycard.com and applied getting approved and receiving an email confirmation stating that I should receive my card in 2 to 3 weeks. XX/XX/2023, I called Destiny cards support number asking why I hadn't received the card yet to be told it was returned, so they asked me to confirm my address and they then told me that the address I gave them did not match their system and to confirm my last address which is where the card went even though I never provided them that address at any point other than during this call. The agent then updated my address and said I should receive my card in 10-14 days. XX/XX/2023, I call Destiny card again stating that I still had not received my card, which the agent then stated that it was shipped on XX/XX/2023 and should arrive shortly. XX/XX/2023, I receive the credit card in the mail and proceed to follow the instructions in the paperwork and the label on the card to activate the card ( attached picture labeled : card_label.jpg ), I am then taken to a webpage ( attached picture labeled : webpage.png ). at this point it is after hours for calling the Destiny cards support. XX/XX/2023, I call Destiny cards support number and explain to the agent that I can not activate my card because the webpage the card is telling me to go to does not exist IE the 404 error, the agent the proceeds to tell me that my account has been locked and that I now need to send in a copy of my drivers license to verify my address. At this point I am getting concerned that this may be a scam since they sent the card to an address I never provided, the activation page does not exist, they ignore the fact that the page doesn't exist and now they are asking for a copy of my drivers license. So I then tell them that I am concerned and ask to speak with a supervisor, I am placed on hold for quite a while and then the supervisor then asks me how he can help. I proceed to explain everything up to this point and again he seems to ignore my concern over the missing webpage and reconfirms that I need to send in a copy of my drivers license, I continue to get him to load the same page and he then tells me that the 404 means nothing and to look in the top right corner and click where it says " Get Started ''. For context I have been designing websites for over 20 years, so I know this is not how the page should be. So in conclusion I do not believe this company to be legitimate or is very incompetent and should be investigated.
03/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MS
  • 396XX
Web
I have a credit card with Indigo. At the beginning of the year the monthly fee was applied which was XXXX. I forgot about it and my card went over the XXXX limit. The new balance was now XXXX. On XXXX XXXX I made a payment of XXXX which would leave a balanced owed of XXXX. The payment cleared on XXXX XXXX, because it was after noon when I made the payment and they only use bank accounts to receive payments. I stopped at a gas station on XXXX XXXX and I was told my card was declined. When I called to check my balance, it was stating my balance was XXXX. I spoke with a representative and was told my card was placed on hold pending verification that the payment made would clear and I would not be able to use my card again until XX/XX/2022. I informed them that the payment cleared on XX/XX/XXXX so it has been fully verified that the funds are good. I have never submitted a payment to them that did not clear. I was then informed that yes they did clear and was on their end that they were holding the payments. So I stated, you mean to tell me that you have the funds, you just verified that you are holding them on your end and I can not use my card again until the XXXX of XXXX and the only thing you have updated in your system is the made payment? There is nothing in your system showing my account is on hold. But the negative XXXX is showing and my balance is XXXX. The first representative actually laughed and stated " well its not with everyone its just yours. '' I said excuse me. I got off of the phone and called another representative which stated they've been doing this since the company has been established and if I would have made a smaller payment and not a payment of XXXX my account would not have been placed on hold. I informed him when I made the payment of XXXX and something the year prior, they did not place my account on hold. And he said no they didn't. We just do it sometimes, we never know when and it just so happened this is your first time. I told him, so you guys have my payment and it has been verified but you're not updating my account in the system nor to the credit bureaus and you're not allowing me to have use of my card until XXXX XXXXHe stated that is correct. I said this is some fraudulent stuff you guys are doing and I received no warning and your stating it is because I paid a higher amount. So if I paid a lower amount, i wouldn't have a hold and he stated that I was correct. So i asked if I pay the remaining XXXX will there be a hold and he stated I wouldn.t know that until you paid it. This can not be legal.
03/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 34212
Web
I have 3 accounts with this subprime credit card company. 2 are due on the same day. I paid the minimum payment on both cards on XX/XX/XXXX. I received email confirmation of both payments as well. This morning I received an email and several alerts from credit monitoring companies that I missed this payment. When I logged in to the website, I got a screen I never saw before telling me that as long as I paid {$98.00} before my next due date, they wouldnt report me to the credit bureaus for missing a payment. I checked my bank account and neither payment had posted. Money is extremely tight at the moment, so I made an additional payment of {$50.00} and figured I would call to ask them to remove the late fee ( Ive never missed a payment ). When I look at my bank account this afternoon, I discover that both of the payments from XX/XX/XXXX have been withdrawn from my bank account. When I call to cancel the {$50.00} payment, they tell me my account is past due. When I press that it isnt, they admit they see the payment I made on XX/XX/XXXX. I reiterate that I want to cancel the additional {$50.00} payment. They keep me on hold for over 10 minutes, and by the time I speak to XXXX, the manager, its now too late to stop the additional payment. He tells me that I can call my bank and request to stop payment. I ask why I would waste {$45.00} on that?? XXXX also tells me that as long as I make another {$3.00} payment before my due date, I will be paid in full. I ask how I could suddenly owe {$53.00} for a monthly payment when last month it was {$45.00}, but he doesnt have an answer. At this point my login credentials no longer work ( but they worked less than 15 minutes before ), and XXXX offers to take my {$3.00} payment over the phone. I tell him absolutely not. He tells me to go to a different website address to login, which takes me to the same login screen, and my credentials work again. Now I can see my past payments and the pending {$50.00} payment, but I still dont see my {$45.00} payment from XX/XX/XXXX. At the least this is bad business practice, but Im fairly certain this is criminal or borderline criminal. They claim to have had a system error on XX/XX/XXXX and XX/XX/XXXX, but all 3 cards that I have run on the same platform and the other two accounts and other payment had no issues. Shame on me for not checking my email before paying another {$50.00}, but I have been working hard on my credit with the goal of being done with these 36 % interest rates, and I panicked when I got the notification that I had somehow missed a payment.
02/24/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TN
  • 37086
Web
Hello, most honorable protectors. I have two credit cards that are sadly over their limits with Genesis FS Card Services, which services my Destiny and Indigo accounts. These two are my sole credit cards. In XXXX of XXXX, a strongly suspicious event occurred where one card was pushed over the limit in a matter of hours despite recording the actively remaining available credit that lied on it. Moreover, and of note, is the fact that the other card with a lower available balance carried a purchase that date which was significantly beyond the credit limit remaining on it. I do believe in paying off my credit cards in full each and every month and there is no way to sidestep that. However, bouts with unwilling XXXX and a XXXX XXXX for 23 days at a XXXXXXXX XXXX kept me from contacting the card company. Additionally, I was severely mistreated at the institution where I remained, and could not receive access to my financial accounts via the web. It is doubtless for me to say that I am through with XX/XX/XXXX, but the XX/XX/XXXX of XX/XX/XXXXwhich arise from XX/XX/XXXX remained for several months. Therefore, I missed several opportunities to make contact with the card company, yet still. Confidence is upon me now, and I will keep it that way. To relate that sentiment, I dialed in on XX/XX/XXXX to Genesis FS Card Services. I explained that my account was taken advantage of and that I was in need of new cards. The promise was that I would receive them within three weeks. They never were delivered. Another outgoing call was made on XX/XX/XXXX, where I learned that a multi-day system update was taking place whereby no agents would be available. Ultimately, I buzzed their line today, Thursday,XX/XX/XXXX and I reported the flaws in the card delivery and how I needed an inquiry into the causes of my cards being mishandled. Specifically, I requested that they allow me to get my cards to research my XX/XX/XXXX and XX/XX/XXXX statements. Again, the same three weeks notice was given. Also, depending on the amount of penalties, I want any fees and interest removed from my account since XX/XX/XXXX, my date of first contact. Logins are currently unavailable to me, due to the instance of my phone and email being different at this present time. When my cards come in, that's when everything gets better for me, as I need the new accounts to authenticate myself. Things need a sharp turn at this moment. A month-long effort to resolve my debts in the 21st century is a true neglect on the part of Genesis FS Card Services.
03/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48009
Web
I had an Indigo credit card for years, I always made my payments etc. They have a yearly fee and I really just kept it open to not have to close a credit card and have it ding my score. So when the time came to pay my balance ( {$99.00} ) yearly fee. I sent it through as usual and just didn't think about it. Months after I received phone calls from the company and thought it was odd so I checked my account and now it says I owed over {$220.00} in fees! I didn't understand why when I had paid it. So I attempted once again to send a payment in because I was wondering if it ever went through maybe I forgot initially, but no I didn't forget and this payment also did not go through. I haven't changed my bank account or anything in all the years I had this card. So I went through and deleted my bank account and attempted to re-add it to my account. It kept telling me my routing number was wrong but it wasn't. So instead of a normal bank routing number, I tried my wire transfer number and that worked and it accepted my account now. By this point I was so infuriated with them and they sent me an email saying if I call and agree to pay {$110.00} they would close my account and I would be done with them forever. I called and said yes just do it to be rid of them, it was {$10.00} more than the {$99.00} but I didn't care I just wanted to get it all over with. They repeated my account to me and refused to email me a confirmation but gave me a confirmation number over the phone ( I still have it because they have been so untrustworthy ) and thank goodness I kept it! This was a week ago on XXXX that I agreed to pay the {$110.00}. So today on XXXX I checked my bank account and noticed nothing had come out of my account yet from them. So I decided to log into the credit card account and it still says I owe over {$220.00}. I go into the payments section and I see the {$110.00} was sent through but then it says it was reversed yesterday on XXXX. Why would it be reversed?! I look into payment methods and of course the bank account that was there had disappeared! It wasn't even showing up in my credit card account period! I NEVER deleted it out of there. I don't understand why they would delete my bank account out of my profile it doesn't even make sense. Obviously if one wasn't in there nothing would have gone through initally because it would have nowhere to get it from. But I know it was there and the representative I spoke to on XXXX told me my bank name and everything, it was all there a week ago.
09/06/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OK
  • 744XX
Web Older American
I have repeatedly had fraud issues with this card. And, I have had identity theft issues. I have had this card for several years and requested that I get my invoices electronically. The card has a maximum limit of {$300.00}. I had set up to have my balance paid monthly. On XXXX XXXX, 2022, I called into the company inquiring about a payment from my checking account of {$290.00} ( remember the limit is {$300.00} ). I called in because I couldn't remember having spent almost {$300.00} with this card, I was told that my mailing address been changed to an apartment in XXXX, TX. I explained I have never lived there and I did not request a change of address. Concerned about almost {$300.00} in charges I could not remember I requested copies of my statements. With the unauthorized change of address I could not access my statements on line. On XXXX XXXX, 2022 I received several months of statements and discovered 12 unauthorized transactions prior to that month 's cut-off totaling {$290.00}, all made in XXXX, TX at a XXXX XXXX Store or XXXX and a XXXX in XXXX, TX. I registered my dispute over the phone. I sent a letter dated XXXX XXXX, 2022 by US Mail stating the facts and have never received an acknowledgement. I never got any paperwork from the bank. In the past when I have had disputes, every other bank has issued a provisional credit during the investigation period and required an affidavit as to the facts. Not this company. I have called back repeatedly to inquire. I was told the bank does not have a fraud department. On one of these calls, at XXXX XXXX, XX/XX/2022, I spoke with XXXX who identified himself as a Supervisor ( asked for by me ) I was told that my mailing address had been changed to an address in XXXX, MS. by a caller. I requested they put a hold on my account and investigate the fraudulent charges. I was told that I had to send a request to change my mailing address back to my real address with a copy of my Oklahoma DL and mail or fax it to them. On XX/XX/2022, I both mailed and faxed my change of address with DL to the Company. At present I have no confidence in this company and without a fraud department I don't know why they should be allowed to do business. I have been charged +- {$450.00} for charges I did not made. I want to get this money and then I want to cancel this credit card. This company is a nightmare to deal with. As of this writing, I have still not received any acknowledgements. I have not personally used this card since XXXX, 2022.
10/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MN
  • XXXXX
Web
I have attempted to file a dispute via XXXX XXXX website and mobile website, and not only does the website not load but XXXX XXXX website said it was not able to process my request online, not giving me the reason why it was not able to process my request online. I was instructed that the only options available to me were to file a dispute by calling XXXX or submitting one by mail. XXXX is operating its website, with its inability to process my dispute request online and that it is consistently does not function to allow quick, easy and convenient access to my credit file, is operating in an abusive and deceptive manner. XXXX is knowingly, intentionally and deliberately not providing services and functionality to me to allow me to dispute inaccurate information on my credit report. Each time I call to speak to a live agent to assist me, there is, at minimum, five minutes of automated system prompts and up-selling of XXXX products, including its fee-based credit monitoring service and its text message-based options to communicate with XXXX. XXXX also employs online foreign, offshore and customer service representatives not based in the United States. As a result of XXXX XXXX customer service representatives, consumers are forced to speak to agents whose English is often incomprehensible, making it virtually impossible to conduct business related to my XXXX consumer credit file. When speaking to representatives, XXXX XXXX offshore, foreign customer service representatives are rude, abusive and will often disconnect the call at their whim without warning, because they are frustrated. When asking to speak to a United States-based representative, I have been instructed the representative will complete a " call back '' form and that a US-based representative will return my call within 48 hours. Once more, XXXX is using abusive and unfair practices to deny me access to my consumer credit report -- and to correct errors on it that have affected my credit score and credit worthiness. My credit dispute, that I am demanding XXXX investigate, is from Genesis Card Services/XXXX XXXX , with account # ending in XXXX or XXXX, in the amount of {$7100.00}. This account now has a zero-dollar balance and is paid in full. I have attached copies of my payment receipts that show I now paid this account in full. XXXX must update my credit report to reflect this, and XXXX must also update my XXXX XXXX credit score to reflect the decrease in credit utilization.
08/31/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30080
Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the XXXX XXXX XXXXXXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CB INDIGO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. CB INDIGO Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. CB INDIGO Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
09/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • GA
  • 30344
Web Servicemember
On XX/XX/2021, I contacted the FS Genesis ( DBA Indigo Card ) credit card company regarding my account with them. The card I held had previous unauthorized purchases on it and although I had contacted the company regarding the fraudulent amounts several times earlier in the year, FS Genesis/Indigo continued to allow the charges to accrue, while charging me interest on the amounts, and did not offer an explanation as to why this was all occurring. Bizarrely, Indigo sent replacement cards to me but allowed those unauthorized debits and purchases to not only continue but they allowed the charges to transfer over to the new cards as well. Frustrated, I chose to not make further payments on the card until those issues were addressed. In seeking to find a resolution, on XX/XX/XXXX, I spoke with a representative at Indigo and subsequently a supervisor who offered to waive {$110.00} in late fees if I agreed to pay {$210.00} on the account that same day. I made the payment and today, XX/XX/XXXX, I realized my bank account was deducted for the {$210.00} total but the late fees were not removed. I then called Indigo and was told by a representative that I had supposedly requested my late fees not be waived. Considering how absurd that is, I asked for a supervisor who then offered to waive 2 late fees -- one less than the agreed-upon 3 late fees. I declined and advised that individual that I would prefer the agreed upon fees be waived or my money refunded. That person then agreed to waive all three of the late fees. Hours later, I attempted to log into the account but my credentials would not work. So I called Indigo and was advised that my account had been closed which means, Indigo opted to keep my money and close my account instead of refunding fees which they agreed to reverse and that to me smells like fraud and deception and I relayed as much to them over the phone. I would like this company to be sanctioned for their conduct by this agency and I'd like to add that this sort of activity seems to be a clear standard business practice for this disreputable company, which has accrued tons of negative reviews online along with accusations of other inappropriate and potentially unlawful business practices. I'd like to point out that I have not made a purchase with this card in over a year and the only remaining balance are late fees on payments concerning a balance that is fraudulent in nature. Thank you.
04/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11201
Web
My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against XXXX XXXX for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report on XX/XX/2020 as shown in attached exhibit A. This is false and misleading. I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. Im also aware that once a debt is cancelled, it now becomes gross income. Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I never received one. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. If XXXX XXXX has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with XXXX XXXX, and XXXX conversions. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
04/10/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • TX
  • XXXXX
Web
XXXX XXXX Genesis FS Card Service is all of a sudden charging a way higher monthly charge when my balance is actually less than it's been in a year. I have a {$1500.00} Credit limit. I currently carry a balance of {$810.00} and they are charging me a monthly charge of {$90.00}. I called them on XX/XX/XXXX @ XXXX and disputed the charge. They couldn't explain why the sudden increase and said they would have someone call me regarding the dispute. That never happened. The fact is that in the past my balance/ monthly charge have been the following.. XX/XX/XXXX {$870.00} {$72.00} monthly charge XX/XX/XXXX {$950.00} {$73.00} XXXX/XXXX {$930.00} {$47.00} XX/XX/XXXX {$970.00} {$49.00} XX/XX/XXXX {$1000.00} {$53.00} XX/XX/XXXX {$1100.00} {$55.00} XX/XX/XXXX {$1100.00} {$59.00} XX/XX/XXXX {$1200.00} {$64.00} XX/XX/XXXX {$1200.00} {$63.00} XX/XX/XXXX {$1300.00} {$66.00} XX/XX/XXXX {$1300.00} {$69.00} XX/XX/XXXX {$1400.00} {$70.00} This is the last statement available on line. But as you can see, I've carried higher balances and my monthly has adjusted accordingly. But when I asked them to explain how they came upon charging me {$90.00} they said it was due to the purchase I made back in XX/XX/XXXX. Funny, because my statement with my charges from XXXX were posted on my bill due on XX/XX/XXXX, since the statement closing date is XX/XX/XXXX. In the month of XX/XX/XXXX I also paid down my card making a total of {$880.00} and the new purchases were in the amount of {$190.00} and {$690.00} ( which has a promotional 0 % until XX/XX/XXXX ). Are they trying to penalize me for paying down my card?? I paid off 90 % of my previous balance before the closing of XXXX and all of a sudden starting XX/XX/XXXX my monthly charge sky rocketed. Like I said, I called them was on the phone for XXXX minutes and they couldn't give me an explanation of why they were now charging me {$90.00}, they said someone would call me back since I was disputing the charges and no one did. I didn't pay the {$90.00} due on XXXX ( also now I'm not allowed to pay my bill early, it can only be on the due date ) so they are now charging me {$180.00}?????? They are very unprofessional and it's evident the staff is not well trained and management does not care about resolving a customers issue with billing. Since closing my card is not an option because it would hurt my credit, I come to you to help me resolve this. Thank you, XXXX XXXX XXXX XXXX
09/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43615
Web
In XXXX of 2023, I realized my renewal card was sent to an old address. I called XXXX XXXX card services abt my Milestone account that ends in XXXX. They updated my address/ sent new card, but then blocked my account for fraud activities. I called them, genesis/milestone wanted me to fax my ID. I informed them that I do not have access to a fax. I asked them to provide an email so I can update my ID/ prove who I am. They said they dont have email. They blocked my card ( which is fine ) they blocked my access to my account online so XXXX cant access the account or make payments on my account. Today, I requested that they mail me statements so I can see my acct activity. They refuse. They are reporting late payments to my credit bureau and charging late fees, but are not providing me with a monthly statement. They said my statements are emailed to me- Which is not true. I get an email reminder to login to my online account to make a payment. I can not login to my online account because access has been restricted. Ive called XXXX times between XX/XX/2023 and today, XX/XX/2023 asking for a statement of account. I told them to keep my card off ( because I cant fax them my ID ) but please provide a monthly statement so I can pay my card balance off and see the payments posted etc. They refuse to provide me with any monthly statements. They are not emailing me my statements. But they are reporting on my consumer report. today I talked to XXXX who closed my account/ told me my balance/ but still refused to provide a statement of account. They have charged me an annual fee of over XXXX $ even though I can not use the account. Im trying to resolve this situation and pay off the balance but its been a struggle. I just want a statement of account and to pay the balance off. The kicker : I have an Indigo card with Genesis/ XXXX XXXXXXXX and my address is correct on that account and I can use that card just fine. I can access that account online without any issues so they can clearly see that there is nothing fraudulent going on. Im not even using either card, just paying off balances. They could verify my address on my other account and just mail my statements to me. I havent seen an account billing statement since XXXX of 2023 but Im expected to make payments. Im not sure what Im paying. Am I over paying? Are they charging me fees that I dont know about. Please assist in getting this resolved. Thank you.
11/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MD
  • 21043
Web Older American, Servicemember
As a result of a previous issue with a fraudulent credit card company, my score dropped over a hundred points. The illegal reporting was removed but the damage had been done. In an effort to increase my credit score, I followed the suggestion of XXXX XXXX XXXX to open a credit card. Unfortunately, the card required a deposit in which I was not willing to pay so I never activated the card. A month or so later I received a call indicating that I owed approximately {$140.00} on the card. I told the company that it had to be a fraud and asked them to investigate it. I also told them if it was an open account it needed to be closed. I was told an investigation would not start. In XX/XX/XXXX I received an alert regarding the same credit card that I was 30 days late. This issue is very very similar to the one with XXXX that I had already been through. I called the company and asked why I was being reported when I never received an explanation or accredited answer from their fraud department, which is when they brought up XXXX. I currently have an attorney suing XXXX and XXXX XXXX. When I questioned if the fraud investigation had been completed, they said they could not talk to me because I had representation. I have just finally escaped a XXXX XXXX relationship, which caused me serious financial hardship in XXXX of XXXX, and was trying to sell my home and buy another close to family. However, because of XXXX, I was unable to get a favorable rate. So, I tried other avenues and the market changed in XXXX and rates skyrocketed, and I was not able to move. So, the XXXX suggestion seemed like a good one, until I was put right back into the same situation. This is a fraudulent pattern with the company that represents both XXXX and Destiny credit cards. This behavior is extremely harmful to the public at large, especially those who have no knowledge of how to challenge these types of events that affect their very livelihood. Please investigate this company and the reporting practices of the credit reporting agencies that do not challenge these types of things but simply rubber-stamped them. I am once again going to try and purchase a new home and this has become a nightmare that just won't end. After all, I have been through having to deal with something as important as these, and having no control is devastating. It's only by the grace of XXXX that I have not lost my mind!!!
10/13/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • OH
  • 45036
Web
THIS IS NOT a DUPLICATE COMPLAINT!!! Do NOT CLOSE! READ below! We filed a complaint in XXXX and in the time it took Genesis to respond90 days! There is NEW information and concerns! We were told on the phone with Cfpb to file a new complaint as we could not add info to the original complaint! We have had multiple issues with Genesis. Before the first payment was due we called them to change the due date to a day of the month that would work better for us. The representative said it was changed. Then a few weeks later we received a letter that our account was past due and we had a late fee. I called Genesis back and they indicated the representative gave us the wrong information. Fast forward to XX/XX/22. I was offered a settlement by email to settle the account for half but it must be done/paid by XX/XX/22. I called and spoke to a representative and supervisor to ask if I could do this on or before XX/XX/22, they indicated it couldnt be paid any later than XX/XX/22 but said we may get another offer. On XX/XX/22 we received an offer that if we paid {$810.00} the account would be brought current. We paid {$810.00} on XX/XX/22. The account was not brought current. We called Genesis and they had no recollection of the letter. I filed complaints with the credit bureaus and Cfpb. On XX/XX/22 Genesis waived two late fees and brought the account current for the month of XXXX. They never brought the account current on their website. On XX/XX/22 they sent us a letter by us mail that they were going to then change our minimum payment from {$2000.00} to {$350.00} a month starting on the next billing cycle. They didnt honor this either. This never happened. On XX/XX/22 they indicated in a letter to Cfpb that they had sent the original letter regarding the {$810.00} in error. How am I as the consumer to know this letter was sent in error and not that it was an actual offer? Seeing as they told me the first week of XXXX that I may get another offer. How many other consumers did they send letters in error too? Why did they notify the credit bureau that it was current but not bring it current on their site? How many times do they get to make errors at the expense of the consumer? Another interesting fact is they report to the credit bureaus as the XXXX XXXX XXXX but the letter to Cfpb says the bank is XXXXXXXX XXXX. Who is the actual bank?
11/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • RI
  • 02852
Web
I received notification on XX/XX/22 from XXXX XXXX regarding a new Hard Inquiry on my XXXX Credit Report from CB Indigo. Knowing that I had not recently applied for any new credit, I contacted CB Indigo on XX/XX/22 at XXXX using the information from the Inquiry section of the Credit Report. I spoke with XXXX ( XXXX ) asking if a new application was submitted in my name. She confirmed there was an application submitted after I provided her with my Name, Address & Last 4 digits of SSN. I told her that I did not apply and that this was a fraudulent application and also asked her to notate as Fraud and Cancel/Withdraw the application. I also asked that the Hard Credit Inquiry be removed due to Fraud. She transferred me XXXX ( Account Manager ). I explained what had happened again and was told that they are unable to remove the Credit Inquiry and I would need to contact the Credit Bureau. I then went to the XXXX website ( same day ) and spoke to XXXX ( Agent ) via Chat feature and explained everything that transpired and my conversation with XXXX and XXXX at CB Indigo. XXXX confirmed the Hard Inquiry and told me that Inquiries are not able to be disputed with Credit Bureaus and they need to be removed by the Lender. He assisted with sending a notification to the Creditor stating that I didn't recognize the Inquiry to see if they would remove it with that and told me to check back a week later ( today ) and see if the Inquiry was removed. If the Inquiry was not removed ( which it has not been ), then I would need to either file a Police Report or an FTC Report. Once either of those had been filed then I would need to send it to XXXX for them to get the legal authorization to remove the Hard Inquiry. He mentioned that was the only way they can get Hard Inquiries removed. When I went to the FTC website to report my Issue ( Credit Reporting ), it brought me to the XXXX XXXX. I am really having a hard time understanding why this is such an extensive process to remove a Hard Credit Inquiry for an application that is Fraudulent. I never gave my permission nor applied for any Credit with CB Indigo. I do also have a Fraud Alert/Consumer Narrative on all 3 Credit Bureaus , so if CB Indigo did their due diligence and contacted me using the contact info provided in Consumer Narrative section on my Credit Report, I would have confirmed Fraud at that time.
02/22/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • XXXXX
Web
My indigo MasterCard had a fraudulent charge on it I looked up the website that was on my mobile app and it was the same one they got me today quick performance active or creative not sure you tell the website and they say its a scam we get calls all the time and theyre ruining our business they call me back to have me help them or their lieing either way my indigo card they were supposed to cancel and send me a new XXXX XXXX weeks max I never got the card a month and a half or so more later but kept getting even the bills and they were different and then they would be more and then I would call and then they really go thats not right let me talk to my supervisor and then they would hang up on me or they keep me on hold so long that I had no choice in the matter of XXXX weeks simple disputes hey can you please block this from ever happening again you see this charge from this place dont let it go through I dont know how its happening but my credit score was a XXXX and now its at XXXX and they want me to pay them because I canceled the account. And theyre trying to get me for the car and I had prior and the car to head after but never came thats for indigo platinum MasterCard with the XXXX XXXX dollar limit from XXXX XXXX I have no problem paying them but I dont trust them especially since I just got a new bank with the credit union and I dont want to have that information compromised because Ive been getting financially ruined due to these cards and I were to know if yours to get my credit score up and then just have a drop because somebody doesnt want to do their job right or theyre overwhelmed or whatever but I have evidence to prove everything and I dont think me wanting to give them my new bank information because I dont trust them XXXX out of the ordinary request XXXX pay them with a prepaid card thats not an option they said do you want to bank and routing number its not fair Im about to quit and give up! They should both consider the counts paid in full Theyrecord all phone calls And I had information and I wanted to see if they had up-to-date information and they didnt if I was to close my account The day would it cost me an extra XXXX bucks ive been unemployed since XX/XX/2021 but I still manage to pay all my bills {$2500.00} a month by myself I work too hard to have people like this not care
12/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NY
  • XXXXX
Web
****ATTENTION! DO NOT DELETE THIS COMPLAINT. THIS IS FROM ME THE CONSUMER XXXX XXXX. THIS IS NOT AN ATTORNEY OR A THIRD PARTY. THANK YOU. ***** INDIGO PLATINUM MASTERCARDXXXX INDIGO XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX INDIGO PLATINUM MASTERCARD/XXXX INDIGO is preventing me from using my credit card, and is reporting late payments on my XXXX, XXXX, XXXX credit reports and credit file. REMOVE THIS NOW and ONLY REPORT POSITIVE REMARKS! This is a federal violation of 15 usc 1681b ( a ) ( 2 ) I never gave INDIGO PLATINUM MASTERCARDXXXX INDIGO written permission to report anything on my credit report. This is also a federal violation of Truth In Lending Regulation Z 12 C.F.R. 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Pay the positive balance to I, the consumer, pursuant to 15 USC 1666d. ( Pub. L. 90321, title I, 165, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 96221, title VI, 621 ( a ), Mar. 31, 1980, 94 Stat. 184. ) In accordance with I, the consumers directions, pay all payments I sent to you, pursuant to 15 USC 1692h. ( Pub. L. 90321, title VIII, 810, as added Pub. L. 95109, XXXX XXXX, XXXX, 91 Stat. 880. ) INDIGO PLATINUM MASTERCARD/XXXX INDIGO never provided me with meaningful disclosure of the informed use of credit according to 15 USC 1601 ( a ). According to Truth In Lending Regulation Z 12 C.F.R. 226.2 ( ii ) This is supposed to be an open end credit card plan account. XXXX INDIGO has been mailing me false and misleading bill statements, coercing me to pay this alleged debt. Based on Truth In lending 15 USC 1666, because of the finance charge, I should not have any late payments on this credit card account. XXXX out the balance on this account. Keep my credit line account open. Closing my account would be a violation of 15 USC 1691 ( a ). PAY ME {$5000.00} FOR DAMAGES AND GIVE ME AN OPEN END CREDIT CARD PURSUANT TO Truth In Lending Regulation Z 12 C.F.R. 226.2 ( ii ) WITHIN 30 DAYS. I RESERVE THE FEDERAL RIGHTS TO FILE SUIT.
10/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85041
Web
In XXXX I received a letter from GenesisFS also known as Milestone card dated XX/XX/XXXX, advising me that they had recently processed a change of address on my milestone CC account and that this letter was being sent out to previous address. Soon as I received it and got notice I called them and let them know. I didn't feel confident because most of their agents seem to have little knowledge and little room to resolve things, but I told him to make a note on my account that there was suspicious activity going on. I guess it was never done, about XXXX days ago I notice when checking my XXXX XXXX that my score went down by XXXX points because my CC was utilized to the max. When I found this out my balance was showing {$490.00}. I called them again and was upset that they sent the card out any ways. I have lived in XXXX, AZ my entire life and I have had this CC with them since the middle of XXXX. I have hardly used my card let alone maxing it out. I check statements and it shows that the last time activity was used was in XXXX. I had a credit of $ XXXX. I ask them how this could happen they told me this person was able to change it through the automated system using my date of birth and social security, but shouldn't someone verify old address before making a change like this. I believe fraud was committed on me by the credit card company Genesis or also known as Milestone. They did nothing to protect me and when I called to make sure my account was closed for good, I witnessed my balance went from {$490.00} to now {$920.00}. I have never gone over my limit, and I have other cards, but I hardly use this one because I had a lot of issues with it, far as it is declining when trying to use it and i had available credit also it would say it wasn't activated but I used it before in the past and also there was no app so it would make it challenging to use. I know we live in a world where this is normal, but I want something done, they aren't willing to help and told me they will do nothing. There is so much evidence showing I couldn't have done this. The person who is committing fraud against me has made all these transactions in Florida. Also, the card I had ended in XXXX and the new one they issued to whomever ended in XXXX but the transactions made in Florida are showing used by XXXX isn't that something.
10/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 55422
Web
I am writing to file a formal complaint against XXXX XXXX XXXX regarding a recent incident in which they conducted an unauthorized hard inquiry on my credit report. Despite my repeated attempts to resolve this issue with XXXX XXXX XXXX directly, the matter remains unresolved, and I seek your assistance in addressing this violation of my consumer rights. The unauthorized hard inquiry in question was made by XXXX XXXX XXXX for an auto loan, a credit application that I have never initiated. This inquiry appeared on my credit report without my knowledge or consent, causing undue harm to my credit profile and raising concerns about potential fraudulent activities. The details necessary for this dispute are as follows : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX - Date of Birth : XX/XX/2001 - Phone Number : ( XXXX ) XXXX I first became aware of this unauthorized hard inquiry when I reviewed my credit report, and upon contacting XXXX XXXX XXXX to inquire about it, I was met with an unsatisfactory response. Their claim that it was related to an auto loan application I never made is not only false but also deeply concerning. I have not applied for any auto loans within the past year or authorized XXXX XXXX XXXX to access my credit report for any such purpose. I am deeply troubled by this violation of my consumer rights, as well as the potential consequences it may have on my credit score and financial well-being. I kindly request that the CFPB investigate this matter promptly and take necessary actions to ensure that XXXX XXXX XXXX rectifies this situation by removing the unauthorized hard inquiry from my credit report. Furthermore, I am seeking a comprehensive response from XXXX XXXX XXXX outlining the results of the investigation and the actions taken to rectify the situation. Additionally, I request that the CFPB take appropriate measures to hold XXXX XXXX XXXX accountable for their actions. I appreciate your immediate attention to this matter and your assistance in resolving this issue. Please inform me of any actions or responses received from XXXX XXXX XXXX. I can be reached at the phone number provided above to discuss any additional details related to this complaint. Thank you for your efforts in protecting consumers ' rights and ensuring fair credit reporting practices.
06/24/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • DE
  • 19702
Web
On XX/XX/XXXX, at XXXX p.m. XXXX. I called Indigo Card Service, and spoke with an associate that transferred me to their manager, per my request. The associate could not answer my question, as to why my credit card was report to the credit bureaus as over the limit? When I spoke with their manager, I believe the manager name was XXXX or XXXX. I am not quite sure of the manager 's name. I asked the manager to explain why my credit card, ending, XXXX was over the limit after I made the payment on time on XX/XX/XXXX. My closing statement day is the XXXX of each month. The manager stated it depends on when I made the payment. I said, I did it before the cutoff time, which is XXXX XXXX. E.S.T. The manager reviewed my account and saw I made my payment, on XX/XX/XXXX. I asked what time does it show I made the payment? The manager stated it was at XXXXXXXX XXXX P.S.T., payments made before XXXX XXXX. P.ST. is credited to the account the same day. I said, I was going to report this to the CFPB. The manager stated that they would dispute the balance as it should not have been report late and over the credit limit. I receive a letter dated XX/XX/XXXX, that the information was reported correctly. The incompetent manager or associate that disputed the balance; disputed it for the month of XX/XX/XXXX and XX/XX/XXXX. I was talking about a payment made and over the limit balance for XX/XX/XXXX, why was this dispute done for XX/XX/XXXX and XX/XX/XXXX? Today, XX/XX/XXXX, I spoke with XXXX and asked them to transfer me to a manager to answer what time the payment was made on XX/XX/XXXX, as they did not know this information. I spoke with XXXX XXXX manager ), and stated again I made the payment at XXXX P.S.T on XX/XX/XXXX. XXXX was very kind and stated they will file the dispute for me correctly, because the previous dispute was file forXX/XX/XXXX. I want my balance report for XX/XX/XXXX to be corrected, as this affects my debt ratio. This is the 3rd time this has occurred where credit card companies reported my balances incorrect to the credit bureaus. Then my credit is affected and can not get the points back that I lost originally. I believe CFPB should look into possible XXXX discrimination, that credit card companies are targeting XXXX individuals. I am aware this occurred with other XXXX individuals.
04/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 932XX
Web
This complaint is in regard to my last complaint XXXX. Based on the company response and the status update which indicated that the company deleted the fraudulent account, after my complaint, I was under the impression that Indigo/Genesis realized their error ( that it was never my account ) and would stop reporting negative/delinquency claims to the credit bureaus! Today on XXXX, XXXX XXXX yet another false report was send, this time to a different collection agency. Once again it was Indigo reporting the same fraudulent account, with the exact same amount of {$680.00} which was supposed to be deleted from my records for good. I had just barely recovered from the last time this institution filed a false report with a collection agency against me. Once I was able to recover, after the credit bureaus investigated and confirmed i was a victim of fraud my credit score improved significantly. Today Im looking at what I could have achieved and my missed opportunities due to the fact that the same company went to a different collection agency and reported the same account that was supposed to be closed because I never had anything to do with it! This company is ruining my life! I was trying to buy a house and I was so close to getting the credit score I needed. This report changed my status from good to fair I was working so hard to boost my credit score! i have every proof that this account if fraudulent. However, the time it will take to dispute and resolve this matter will cost me yet another opportunity to buy a house. All this has cost me over a year of missed opportunities with no end in sight! I never knew Indigo, Genesis or whatever they call them selves existed until they repeatedly filed false claims against me! I want to be very clear! I have never opened an account with this company before nor did I apply for any line of credit with this company and most importantly I would never use this company in the far or near future! One important aspect about this resent collection report is that it indicates that l allegedly opened the account in XXXX. However, it shows one late payment in XXXX of XXXX which is this month! How can an account be delinquent in less than 30 days? Another aspect is that the credit institution is Indigo and they are claiming the same amount of {$680.00}
11/17/2021 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 55021
Web
I contacted Genesis Financial for the debt owed on my XXXX Indigo account back in XXXX of 2021. At this time, it was reporting negatively on my credit report but had not yet shown up as collections on my credit report. Genesis Financial were not willing to negotiate the debt at all and had informed me that it had been sent to collections, XXXX to be exact. I contacted this company by calling XXXX and set up arrangements for a settlement to be paid in full on XX/XX/XXXX. I explained that I was getting ready to purchase a home and it was important to me to get things cleared up quickly and before any collections hit my credit report. The lady I spoke with assured me that they would contact the credit reporting agencies within two weeks of receipt of payment to report the debt as paid, settled in full. They drafted {$510.00} from my checking account on XX/XX/2021 and I received a confirmation letter shortly after confirming the debt had been paid. Today, XX/XX/2021, I checked my credit report as I WAS supposed to be applying for a home loan next month and XXXX showed up on my credit report as owing a balance of {$330.00} on an original balance of {$840.00} to Genesis Financial. I called the company to see what happened and they stated that there was a mix up in communication and the settlement was never reported to anyone, and not only that, but on XX/XX/2021 XXXX reported this debt that had been paid, as collections to the credit reporting agencies. Over 45 days AFTER the debt had been paid, they reported as collections, even though it had been paid. I am very upset and asked the person I spoke with at XXXX, since they knew it had been paid in XXXX and then still reported in XXXX if they could correct their error and contact the credit reporting agencies and have the collections account removed. They said they would not and was adamant that the information currently being reported was correct. I have PROOF this account was paid and have a letter from XXXX confirming receipt of payment and settlement of debt and they STILL WOULDN'T do anything to remove the account. I would like this debt to be completely removed from all three credit bureau accounts, as well as the original creditor to be reflected accurately, as it still shows that it's in derogatory status and unpaid.
11/18/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • OH
  • 43609
Web
XX/XX/XXXX I had XXXX credit cards accounts open with XXXX XXXX XXXX now know as XXXX XXXX. Cc # XXXX Milestone - after XXXX XXXX and XXXX XXXX refused to help to close the account. XXXX XXXX made payment arrangement to close account at {$280.00} with waived interest charges and a late fee. Cc # XXXX Indigo - After XXXX XXXX and XXXX XXXX denied me to close account but transferred me to Mgr. XXXX made payment arrangements to close account {$130.00} waived fees and interest. XXXX their policy I informed both CCs regarding why no confirmation was received for payment arrangements and the inaccurate statements received. ONLY received closed account letters. My consumer rights were violated when stating I wanted to record as well to XXXX XXXX, XXXX XXXX acted as if she didnt hear me ) transferred to XXXX. XXXX who threaten me XXXX for stating I was recording for my protection and he ended the call! XX/XX/XXXX - XXXX their policy I informed of the inaccurate statements.I was afraid to state I would like to record and Mgr. XXXX confirmed payment arrangements and will resend out letters for stating arrangements for closed accounts. XXXX XXXX only received closed account letters and no confirmation of payment arrangements. XXXX XXXX stated no notations on accounts. Transfer to XXXX XXXX XXXX XXXX to initiate proof of arrangements dispute investigation. I was told the discrepancy policy was for active accounts only. But I reiterated XXXX receiving statements and not the payment arrangement confirmations letters as promised. She said, She will request a statement from XX/XX/XXXX. When I made arrangements and closed accounts. I Never received anything! XXXX XXXX XXXX XXXX no notations or payment arrangements on accounts. Transferred to XXXX XXXX who threatened that the call will be listened to from XX/XX/XXXX regarding payment arrangements. XXXX Received a voicemail to call her back l few days after call. XX/XX/XXXX I returned the call and XXXX XXXX stated no other Notation from Supervisor XXXX but Accounts will be taken care less then 30 days which XXXX XXXX explain what it means and will request a call back from that supervisor. I was put on hold for another XXXX for XXXX but call ended. As of today XX/XX/XXXX No response from XXXX XXXX as requested
09/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • PA
  • 19128
Web
Genesis FS Card Services has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any non-affiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. Genesis FS Card Services is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat, duress, and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. I hereby dis-affirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and Genesis FS Card Services XXXX This account is a billing error. Please provide me with documentary evidence of the obligor 's indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Genesis FS Card Services, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
04/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 640XX
Web
This is about a Consumer Credit Transaction initiated on XX/XX/2023 with Indigo financial institution executed by the way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for the right to opt out of certain sharing. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, this institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX & XXXX ) XXXX According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX and XXXX are nonaffiliated third parties and this institution has violated the provisions of 15 USC 6802. This institution has also violated provisions of FCRA ( Fair Credit Reporting Act ). Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.
05/23/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34747
Web
On XX/XX/XXXX th XXXX I went to XXXX XXXX to purchase a table. I was made aware of an interest free payment option multiple banks offer through XXXX and the sales rep signed me up. I handed him my drivers license which has my previous address listed. I let him know that we just moved from XXXX XXXX to XXXX the previous month. I verbally gave him the correct mailing address in which he said he entered. I wasnt handed any paperwork but told that we would receive everything in the mail when the first payment was due. On XX/XX/XXXX th my wife noticed that there was a past due remark on my credit report she called using the information provided, let a Genesis manager know what happened, was credited back late fees and paid the balance in FULL. She was told that the negative remarks would be removed from our account. My wife called the number listed on the dispute notice with additional information supporting our dispute and was told on XX/XX/XXXX by XXXXXXXX XXXX XXXXXXXX that this letter has inaccurate information and we are not able to update additional information regarding this dispute. So Ive written this letter along with filed a complaint with the XXXX XXXX XXXX Here is additional PROOF that this attached : XXXXA copy of our official change of address submitted on XX/XX/XXXX with the US Postal Service -A copy of XXXX XXXX XXXX Appraiser Records showing we purchased our home at the corrected address on XX/XX/XXXX ( about a month BEFORE our purchase at XXXX XXXX ) - A receipt showing we filed a complaint with XXXX -A copy of my payment history with the credit bureau showing this is the ONLY late payment Ive had on my report in 15 years! We take our finances seriously. My wife was told today, XX/XX/XXXX by XXXX that she was contacted and that a woman picked up and said do not call this number again This did not happen and doesnt make sense since the very next month the same woman, my wife, called to pay the account in FULL. We are young adults that take our financial responsibilities serious. This negative remark dropped my excellent credit score XXXX points- this is unacceptable. This error was not our own and the remarks need to be removed. Any questions, call XXXX or XXXX XXXX and XXXX XXXX
02/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IL
  • 60411
Web
Milestone credit card was informed that XXXX XXXX has fraudulently charged {$30.00} to my account several different times. Milestone not only did not remove the original charge but charged me for the same exact amount as a reversal of adjustments which spiked my credit usage to over 130 % with no justification. It was said that they added too much credit to my account when nothing was credited. Milestone also has stopped attempting to take payments from my bank. My personal bank account shows no attempt to collect payment on the day of autopay for the last 2 billing statements. This has caused fees of over limit & return check fees including never giving me credit back for the fraudulent charges. Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. Item : milestone credit card Account # Reason : Milestone conducting hedious behaviors that forcing my credit score to go down during a time where XXXX of people are losing their jobs. It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. Sincerely, Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Il XXXX DOB : XX/XX/1988 SSN : XXXX
05/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89128
Web
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS XXXX XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. CB INDIGO Account # XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00}
06/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • CA
  • 92804
Web
I applied for Milestone credit card from the company and did used it. My first payment i called and attempted t pay my first build and i advised a milestone agent that i have not gotten a bill mailed to me as of yet. They advised that it may take up to two weeks. Proceeding to pay the bill though the phone call the agent asked me for my name. I told them. The agent then asked if i had a prefix with my name and i advised i never use a prefix with my name and i did advised that i am a " XXXX '' and that my son is a " XXXX '' So " XXXX " would be accurate The agent then advised incorrect. I was advised that i may have to wait for the bill which i never received. I then created an online bill with Milestone and was successful the first time. My second attempt to pay my next bill was unsuccessful. The online bill pay option was down for a day or two. I then called to attempt to pay and had the same issue. They agent oddly advised me to fax a copy of DL. I did from work which is not allowed but got the ok to do it. I called back to se if they had gotten it and the agent advised it will take two weeks to receive. I then i asked if i could speak to a manager to someone with an English language, They put me on the pone with someone who tried to hide their XXXX accent. I then accused the agents of fraud and hung up. I called back the following month to attempt to pay the build. I also advised that i still had not gotten a bill. They asked me again to fax a copy of my ID i advised that i had done that twice already and will not do that again. At this time this has become just a repeated cycle going round in circles. I couldn't understand their XXXX accent and grew more frustrated and hung up. I advised them if they can not verity me then how do they know i'm " XXXX XXXX? ' They could not answer that question. They even address me as XXXX XXXX. I responded with, " well at-least you know it's me and lets use XXXX XXXX XXXX and get me set up correctly because obviously this is a mistake on you guy 's end ''. The reply I got back was " i'm sorry XXXX XXXX ''. I then yelled " fraud '' and hung up. I still had not gotten a bill but they call me every other day.
04/07/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NV
  • 89523
Web
In XXXX I called Indigo XXXX aka Gensis Bank, advised I was going out of the country to XXXX and provided the dates. Shortly before my trip ended on XX/XX/2022, my card would not work. They took payments but my card would not work. I called, I was told by a csr my card had a fraud alert and not to worry they would release the alert in 24 hrs. Since XX/XX/XXXX, I have called a total of 15 times if not more. I have been told my card works, no hold, there is a hold, a block is on the card, a new card has been sent out, a new card hasnt been sent out and ultimately escalated my issue several times to an account manager. I requested a new card be expedited and that took 4 days and advised that it would be 3 business days for an answer upon calling, on day 3 Account Manager named XXXX employee ID # XXXX, said oh yeah I will call you back today and that I had to wait. No call back was received on day 3. I received a call back from a XXXX he stated no phone number or extension made no attempt to help me. So I call back and speak with another account manager he states my card has a block and can send me a new one in 15 days. Absolutely unacceptable. No one at this place took accountability, gave out consistently wrong information and made no attempts to actually help me. They are located in XXXX and the XXXX, Im scared these people are selling personal information. 30 days I tried to get what should have been an easier solution but instead was given the round around, wasted my time my energy, while they pretended to care and figure out the issue. Id like to report this company as in this time frame they took my money with no problem, and fraudulently advised wrong information as to the status of my account. Their online system is of the dinosaur age, no notification that my card didnt work, no text message no follow up by phone, email or mail. This company needs to be investigated. I find it interesting my credit had shoot up, my other card with XXXX two credit increases and low APR. Indigo with Genesis never changed my credit limit nor adjusted the APR. I 100 % believe they are scamming and selling information of their customers.
06/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89107
Web Servicemember
I did some research and found that Genesis Financial Solutions has taken over this account. It is my understanding that it used to be serviced by XXXXXXXX XXXX, and now it is serviced by Genesis. My XXXX XXXX credit card is reporting a list of inaccurate information on my closed XXXX XXXX credit card account. I had filed a complaint with the XXXX about XXXX XXXXXXXX reporting unauthorized accounts on my report which they had to remove. Immediately after, my XXXX XXXX account which had been closed since XXXX suddenly had a list of adverse information attached to it by XXXX and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX XXXX XXXX, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX XXXX XXXX, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I have an excellent relationship with Genesis. I have had three cards with them, and never missed a payment. It's offensive they would put so much false information about me on three credit bureaus. It's also offensive, by the way, that they have never increased my credit limits. {$300.00} is a pitifully small credit limit, which is what my Indigo card has and I have had it with a flawless record for two years. I filed a XXXX Complaint against XXXXXXXX XXXX which they did not answer. I filed a CFPB complaint which they have not answered. I also now had to dispute the account with all three bureaus. This matter remains unresolved.
03/30/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 802XX
Web
I used the credit card that you issued to me under Milestone MasterCard on the following charge to the XXXX hotel for XXXX rooms for our reservation for a total amount of {$590.00}. Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} Total Balance {$680.00} due date XX/XX/XXXX Payment {$150.00} Total Balance {$540.00} due date XX/XX/XXXX Payment {$50.00} Total Balance {$630.00} due date XX/XX/XXXX Payment {$150.00} No XXXX statement Total Balance {$230.00} due date XX/XX/XXXX Payment {$290.00} XXXX cancelled my room reservations and received a refund back to the card from the XXXX hotel which was done in XXXX and is listed on the transactions below resulting in a credit of {$590.00} on the card with a XXXX balance. Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XX/XX/XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX Total Balance $ XXXX due date XX/XX/XXXX I contacted your card company at that time and requested that my credit be issued to me and was told that I would be issued a check. Since that time I have called every month asking where the check is. There was a cash advance done against my card see the reference number below showing where you took the money off my card. I have never received a check. The last time I called was XX/XX/XXXX and was told that the supervisor was doing an investigation and I would hear within XXXX to XXXX business day the results of the investigation and I would have a check in hand by XX/XX/XXXX. None of that happened. I contacted your company again today and spent XXXX minutes on the phone most of which was just being placed on hold and then eventually I just hung up because nobody was picking up the phone anymore with the same excuses and platitudes. I need to have action on this immediately. Reference Number Date Date Description of Transaction or Credit Amount XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$590.00}
12/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33157
Web
1.Account name CB INDIGO/GF Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$700.00} Terms NA I have spoken with them I have sent letters to the credit bureau to the XXXX agencies, I have been saying for years that it is not my account and please delete it and they have not done anything, what they told me the last time I called was that I had to pay so that they would remove it from the credit bureau, which does not seem fair to me because it is not my account. 2.Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms XXXX Months On record until XX/XX/XXXX I have never been late on payments, and this car was a TOTAL loss, insurance and GAP paid everything. And this company reports to me that the car was repossessed, reports late payments and reports that the debt was paid for less than the value of the debt. I spoke with a person from XXXX XXXX XXXX XXXX and he told me to excuse them that apparently there was a mistake and that they were going to fix it, but nothing has happened, I sent all the information on the total loss to the XXXX credit bureaus but they didn't do anything either. 3.Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$52.00} Credit limit {$1200.00} Highest balance {$1200.00} Terms NA Payment history XXXX XXXX This company is reporting XXXX late payment to me and I talked to them and they told me that they would fix it and they still haven't done anything.
08/18/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AL
  • XXXXX
Web
In XX/XX/XXXX, I paid all my credit cards off and stopped using them to build my credit. I have not used my indigo card since paying it off. On XX/XX/XXXX, unauthorized transactions were made on my card that I was not aware of. After I received an email stating that I had a balance and a payment was due, I logged on and after seeing the charges, I called Indigo/Genesis FS Card. I disputed these transactions and ordered another card. Please listen to the recorded calls. On that day, the representative told me to wait 30-60 days for an update. I waited. On XX/XX/XXXX I received another notification stating that I had a balance due. I called to see if I had to pay the minimum amount due while I wait on a resolution/update on the charges I disputed. The representative said, No, do not make a payment. We are working to resolve it. Again, please listen to the recorded calls. The balance was still reported to my credit report. On XX/XX/XXXX, I called again because the account was reported late/past due to the credit bureaus. It caused my score to drop. The representative stated that I was supposed to have been making payments until the disputes were resolved. I informed her that I called in XXXX and was told not to make a payment and now I am suffering because I was misinformed. She put me on hold then she hung up. I called back and spoke to another agent. The agent stated that she see where the previous agent had just disputed the charges on XX/XX/XXXX and that I dont have to make a payment until the disputed charges are resolved! I am XXXX XXXX XXXX and completely stressed out! I was suppose to apply for my new home next week but can not because my credit has dropped because a high balance with late fees and a late payment was reported to the credit bureaus. I am so sad and disappointed because I have been working hard to build and I was given the wrong information and lied to for months. These are the charges. Reference Number XXXX XXXX XXXX XXXX Transaction Description XXXX XXXX XXXX - {$79.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX OH {$1.00} XXXX XXXX XXXX OH $ XXXX
10/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MD
  • XXXXX
Web
In XX/XX/XXXX I was approved for a XXXX XXXX Mastercard with a credit limit of {$300.00}. It is a private-label credit card through Genesis Financial Solutions dba Genesis FS Card Services . The issuing bank is XXXX XXXX XXXX Beginning in XX/XX/XXXX I encountered difficulty in making my minimum monthly credit card payments due to unemployment as a result of the COVID19 pandemic. To date I have been charged {$480.00} in fees and total interest of {$120.00}. I requested that the account be closed in XX/XX/XXXX due to the highly excessive fees. My most recent statement shows that I have a {$0.00} past due amount, an over limit amount of {$100.00} with a minimum payment due of {$140.00} on XX/XX/XXXX. Yet, I was charged a late payment fee of {$38.00} for failing to make a minimum payment of {$270.00} on XX/XX/XXXX. Instead, I made a payment of {$170.00}. This is at the center of my dispute with Genesis FS Card Services. In prior conversations with customer service representatives I noted my disappointment with the minimum payment structure for the card in relation to other credit cards I have through XXXX XXXX, XXXX XXXX, XXXX, etc. I have a stellar payment history and positive credit reporting through those issuers. However, that is not the case with Genesis FS Card Services. It appears that Genesis FS Card Services includes the over limit amount in the " minimum '' payment structure which can be heavy. For example, my XXXX statement reflects that I had a minimum payment due of {$650.00}. This included a past due amount of {$180.00} and an over limit amount of {$590.00}. In addition I as assessed a Penalty APR of $ 29.99 % for failing to make a monthly minimum payment within 60 days of my payment due date. It is unreasonable to expect a consumer to make a {$650.00} minimum payment. Due to my unemployment status I have been paying down my balance at a reasonable level and to prevent further harm to my credit reporting ( payment history ). Genesis FS Card Services did not and has not offered a modified payment structure for customers impacted by COVID19.
11/18/2021 No
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33467
Web
XX/XX/XXXX My mother received a call from XXXX from XXXX XXXX XXXX looking for me. He left a phone number ( XXXX ) and file number of XXXX and asked that I call him back regarding a civil matter. When I called I spoke with a XXXX XXXX who said he was with XXXX & XXXX and proceeded to " verify '' my information. He read my name, address and last XXXX of my social and said I have a debt that needs to be settled. He would not tell me who the creditor was. I asked what state his firm was located in and he refused the information. After going back and forth, and only being told numerous times that the call is being recorded he told me that it was Indigo Card and that XXXX & XXXX represented them and were going to sue me. I asked for him to send me a copy of all the information and the verification of the debt and I would gladly speak with him, but that I would neither confirm any of my personal information over the phone nor take responsibility for a debt that I wasn't sure was mine. He started to yell at me at which point I hung up. XX/XX/XXXX My brother and his wife both received a call from XXXX with XXXX ( XXXX ) regarding File # XXXX and asked them to have me call him. When I called it was again XXXX XXXX XXXX. This time I spoke with XXXX who gave me the information I had requested in my first call. I let XXXX know that I have never received a direct phone call and asked that they only contact me and not my family members. I never gave my family members information out and am not sure how they obtained it. She told me that if they were over XXXX they would have to put in the request themselves, to which I repeated that they are to call me for a debt they claim is mine. They are being untruthful beginning with who they say they are representing when calling my family then when I call I get an entirely different company name and their file numbers also do not match. As a result of this call, this " debt '' is still unresolved as they won't send me any information and have asked that I call the creditor to resolve the issue.
06/15/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • HI
  • 96734
Web Servicemember
I had received emails that informed me of an outstanding balance on my credit. I have not now, nor have I ever opened a line of credit. Completely unfamiliar with the process, I called my bank and then submitted disputes with all three credit reporting agencies. Only partial progress was made until cooperation was needed from Genesis FS Card Services. On 2022 XXXX XXXX at XXXX XXXX XXXX, I called Genesis FS Card Services and spoke to a representative : the system referred me to a live representative and then hung up on me. I called again to speak to a representative who identified herself as " XXXX '' who I informed that the account in question is fraudulent and was not opened by me. I was subsequently placed on hold and then held a conversation with a person who did not initially identify themselves but had a distinctly different accent. This representative directed me to indentitytheft.gov to mail a copy of a document to Genesis FS Card Services XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX and told me it would take 30-60 days to process my claim. This seemed to be an attempt to prolong this process and intentionally make it more difficult to resolve, this is supported by the dismal reviews they have at the XXXX They claimed the account would be frozen and subsequently closed. Any investigation into this matter will show a number of inconsistencies with the manner the account was opened, the information given to Genesis FS Card Services to open the account is inconsistent with any address or phone number I own. The time and location that the account was opened should be further proof that I was not the one who opened it. I am an XXXX military member whose home of record is XXXX, XXXX. I currently reside in XXXX, XXXX and therefore could not and would not have given an additional address I have never lived in and a new phone number in order to open a new account. Additionally, I have no need to open up a credit account as I have never used credit and have my finances in order, there is no precedent for this behavior in XXXX years.
05/24/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11727
Web
Between estimated years XXXX I was a victim of identity theft from multiple unknown entities most of medical student and credit card debt that was fraudulently opened in my name without my knowledge as I was in and out of inpatient facilities, group home/state ran facilities for XXXX I sustained from XXXX under care of the state no income or assets. In XXXX I was able to move back home and try to establish my identity credit and background after also going through a divorce in XXXX of XXXX without my knowledge and granted in ex husbands favor as I was in inpatient care in a hospital setting as this was granted. I was never able to change back my last name to my maiden name as Im still struggling to establish long term employment over activities in my credit and background report that should very well NOT be there. I can give information of ones I suspect to have made these charges and openings in my name but it is unknown to me what is showing thats preventing me from gaining adequate and long term employment as well as establishing identity in organizations. I need help in restoring my name credit and background. I have threatening harassing misrelated relayed information constantly in play to me and constant spamming of phone calls letters emails voicemails important document/information theft/ loss of employment from matters unbeknownst to myself or my knowledge. i need a freeze and investigation into who is using my name and what is circulating as Ive already established reports with the credit bureaus, and see some unknown activities but doesnt clearly state the details in them as I did not open them, and every time I dispute these charges stay or I find new charges. I have tried to build my credit with a financed loan, ONE loan, to help me further my livelihood after all of the hardships I have faced, and somebody is using me for fraud preventing me from being the productive member of society I worked so hard for!! This is preventing me from going back and furthering my education. I need this investigated and handled now.
12/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • VA
  • 22193
Web
I am a victim of fraud and identity theft. Someone stole my identity and opened up 2 credit cards and used these cards for purchasing. I noticed the first card where I became a Credit Card Statement from Genisis FS Card Services on XX/XX/2022 via USPS mail late evening. 1 Credit card company : Genisis FS Card Services {$3400.00} 2. Credit Card XXXX XXXXXXXX XXXX XXXX XXXX {$3400.00} I immediately filed a Police Report on XX/XX/2022 in the morning - XXXX XXXX County Police Case # XXXX. I immediately froze all my Credit Information, filed Identity fraud theft reports, and disputed these 2 Credit Cards by XXXX, XXXX, and XXXX. I filed also an Identity Theft report with the Federal Trade Commission, XXXX XXXX XXXX, Social Security Administration, and the IRS. 1. Credit Card Company XXXX Genisis FS Card Services- you can't call this company since a computer Voice wants first the Social Security Number XXXX I contacted both Credit Card Companies ( Genisis FS Card Services & XXXX XXXX XXXX XXXX XXXX ) via USPS Mail. I provided all the information I had- including a copy of the Police Case Number. All 3 Credit Bureaus XXXX XXXX, XXXX, and XXXX investigated and DELETED already both Credit Card companies from my Credit Reports. For all 3 Credit Bureaus, both of the Cases are closed. I have on all 3 Credit bureaus now an extended Fraud Alert for 7 years. Genisis FS Card Services is asking me now again to provide Copies of filed Identity theft, Police Report. I did send already everything via USPS on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX send me a Declaration of Fraudulent Activity which I need to sign and send back. Both Credit Card Companies ( Genisis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX ) did not close these fraudulently opened accounts and want to make, after I send everything again, their decisions if I am responsible. I did not open these accounts and both Credit Companies have all the proof already from me and the Credit Bureaus. I highly appreciate that we can hopefully close this chapter in my life.
03/09/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • SC
  • 29715
Web
XXXX XXXX when I get paid i call all my credit cards and pay those which are due that week to keep them current. On XXXX, XX/XX/XXXX, I call Genesis FS Card Services for two of my cards. My Indigo and Milestone accounts. On both Accounts ( and I have this recorded if you want to hear it to be true ) The message I got was my MINIMUM due was the TOTAL amount due on the card. This set off my panic button and i paid {$200.00} on each card where normally i would pay the minimum due of {$40.00}. That is alot of my paycheck to pay on just two cards. To make matters worse the company has a policy that it may take up to 10-14 days for your to get access to your money. The payments cleared my bank on Friday, XX/XX/XXXX. tI am a on XXXX XXXX XXXX XXXX and need money for gas having put {$400.00} on two credit cards wiped out my ability to buy gas so I called Genesis FS Card Services on or about XX/XX/XXXX and they were able to release the funds on My Indigo card. However, by the next week on XXXX XXXX, I once again needed gas money and the funds were yet to be released on my Milestone account. I waited over 45 minutes on the phone for a manager and then they said they would call back. They never did so I called back later that night. They said there was nothing they could do at all and the funds would not be released until Friday XX/XX/XXXX. The system error was corrected on the Indigo card phone system as of XX/XX/XXXX as it gave the correct minimum due of {$40.00}. When i called and once again recorded the Milestone account card on XX/XX/XXXX the system ( almost two weeks Later is still telling customers their minimum due is their total amount due - I have it recorded as proof ) When a company incorrectly bills their customers and has absolutely no means to fix the error to financially improve the situation of their client that is a big miss for the business. I will give the company time to respond to this complain before I share if further on social media as people need to know how this company treats its clients.
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MT
  • 59715
Web
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. Original Creditor : CB Indigo Bank aka Genesis FS Current owner of Debt : XXXX XXXX XXXX Amount owed as reported : {$300.00} XX/XX/2022 : I received an email from Indigo Credit Card Services informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by Genesis FS. XX/XX/2022 : Due date, as referenced in the email. According to my credit report, CB Indigo charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. When I tried to contact Indigo regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by Indigo strongly violates these statutes. Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. Sincerely, XXXX XXXX
07/20/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • DC
  • 20009
Web
There are a number of poor business practices involved in this complaint - On XX/XX/XXXX I was charged two fraudulent charges from a gas station in XXXX XXXX ( not my charges, haven't been to XXXX XXXX in many years )- I call and report the fraud in XXXX, they say they are working on it and issue a new card number - Month or so later I receive a later saying the issue was solved - The company then continues to send me letters displaying the balance with the fraudulent charges ( {$240.00} ) - In late XXXX I call and confirm that there should NOT be a balance and request to close the account. They again say there is no balance and they are closing the account. - In XXXX, I get another letter referencing the balance. I call to make sure account is closed and there should be no balance. They say no balance and takes a month or so for the account to " reflect as closed '' - XX/XX/XXXX, I get another letter referencing the balance. I call XX/XX/XXXX. I talk to a gentleman at first who keeps saying " Sir '' and pretends to not be able to hear anything, then I'm transferred to an " Account Mgr. '' who isn't much better. She eventually says, that there is a balance but it is not collecting interest and that the investigation/dispute of the fraud is ongoing and that investigations are resolved in 30 to 90 days ( it was been 5 months at this point well over the time period ). I they have no idea when the investigation will complete. There is no way for me to contact the fraud department. I hold on the phone for XXXX mins for a manger who never comes on the phone. I just want nothing to do with company and to close this account and never hear from them again. I have never had a fraudulent charge from any other company and when I close other accounts, it is done and I don't have to worry about it anymore. I have no idea what this offshore company is doing with my information. It's bad enough I was a victim of fraud, but there completely incompetent resolution process makes me incredibly nervous.
11/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 902XX
Web
Genesis Financial Card Services website for Indigo is not registering payments in a reasonable amount of time and charging late fees even when payments are made early. My complaint is that the Indigo Card website serviced by Genesis Card Financial Services does not register customer payments in a reasonable amount of time. The customers credit card payment does NOT reflect in payment history or transactions after the payment is made. It does not show within XXXX hours either. As of today ( XX/XX/22 ) - my Indigo Card payment that I made on the website XXXX days ago for the entire balance ( {$290.00} ) is still not showing as made ANYWHERE on the Indigo website. I made a payment at XXXX on Thursday XX/XX/22 ( paid entire Indigo balance in full {$290.00} ) and as of today - XX/XX/22 - the indigo website shows NO PAYMENT made- even though I received a payment email confirmation from Indigo on XX/XX/22. The website shows today ( XX/XX/22 ) my payment is late! I received an email today from Indigo also saying the payment is late and not received. ( Conflicting with the previous payment confirmation email I received on XX/XX/22 from Indigo ) The minimum payment for my Indigo card was due XXXX I made the full balance payment ( {$290.00} ) on XX/XX/22 at XXXX ( Thursday - a business day ) and I received a late fee today XX/XX/22 and my statement closed showing no payment was made. I made the payment XXXX day before the due date ( on a Thursday ) and it does not show on the payment history today ( Saturday- XXXX days later ) - and now shows late on the website as of XX/XX/22. I do have the email from Indigo on XX/XX/22 showing they did receive my payment {$290.00} at XXXX. I also have an email from Indigo today XX/XX/22 from saying they did not receive a payment and its late. This is a HUGE issue! And they charged me a late payment charge! I complained previously to CFPB and Genesis Financial Card Services responded that this did not happen.. its happening again!! Please help!
11/12/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • MI
  • 498XX
Web
The XXXX XXXX XXXX has a credit card called Milestone. They sent me a pre approval & I went online were I was given {$700.00} with a {$75.00} annual fee.The card was mailed to me. I used it making purchases rounded up to about {$300.00} & started making payments. The payments never lowered the balance & they kept adding interest. They started calling me daily. I talked to the guy. Since I had paid {$500.00} already, ( thus the {$300.00} is paid off with {$200.00} in interest being paid ) he said when my lump sum came in from my employer, I could pay the {$700.00} ( they had me at {$990.00} still being owed ) & I would be back to a XXXX balance. Well, I paid the {$700.00} & I was left with over {$400.00} in interest yet to pay. I tried logging into my account with them & found I was completely locked out which means I cant look at my account to see anything.I tried to use the card to see if it was locked as well & it was. I called about my locked account & card with this never ending compound interest & a supervisor told me she would investigate then call me back with the results of the investigation. Never received any word on that investigation & Im at {$790.00} in interest being owed without any purchases.I cant use the card, the interest is piling without any purchases being made, Im locked out of my account, & Im ready to talk to my local prosecutor to see if I can press fraud charges. None of my other credit cards are like this. I still have the emails they sent me as well to pay a lump sum & then the interest would just go away. At this point, I want the card closed which they still refuse to do even after I sent out letters in the mail & this company investigated for fraudulent claims. {$300.00} dollars, {$75.00} of that is their annual fee, should never result in {$1700.00} in interest charges. Plus they changed their company name from GE Finance to XXXX XXXX. Too many lawsuits I guess. Issued by the XXXX XXXX XXXX & serviced by XXXX XXXX aka GE Finance.
10/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01109
Web
I hope this letter finds you well. I am writing to request the removal of an account from my credit report that has been negatively impacting my credit score. I want to express my gratitude for your willingness to work with me to reach a settlement on these accounts. It was a challenging time for me, and I appreciate the understanding and cooperation that your team extended during the negotiation process. As part of our settlement agreement, I fulfilled my financial obligation by making the agreed-upon payment. Since then, I have upheld my end of the agreement by maintaining timely payments on my other financial obligations. I believe this demonstrates my commitment to improving my financial standing and taking responsibility for my credit history. Now that I have fulfilled the settlement agreement, I kindly request that you take the necessary steps to remove this account from my credit report. I am aware that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies report accurate and up-to-date information. Given that the account in question has been settled, I kindly request that you report the updated, accurate status to the credit bureaus. This action will help me rebuild my credit and move forward with my financial goals. Please consider this letter as a formal request under the FCRA to investigate and update the status of this account on my credit report. I kindly request that you provide me with written confirmation once the account has been updated or removed from my credit report. please do not hesitate to contact me at XXXX or XXXX I appreciate your prompt attention to this matter and your cooperation in resolving this issue. I look forward to a favorable response and the timely removal of the account from my credit report. Thank you for your assistance in rectifying this situation and helping me work towards a better financial future. Your cooperation in this matter is greatly appreciated.
01/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 136XX
Web
I found out someone opened a credit card account with the company in question in my name and called to close the account in 2019. I filed an identity theft report as they had also opened a XXXX XXXX card in my name, with my FTC Report Number being XXXX. XXXX XXXX closed the account immediately and removed it from my account. Indigo, however, closed the account by did not remove it from my credit report. Recently, I checked my credit report again, only to discover this account was closed but still reporting late payments. When I was able to gain access to an online account, I learned that not only were the statements going to an address in Virginia I've never lived, but the phone number and other important information was also incorrect. I have lived at the address starting in XXXX in New York since 2019 and the address starting in XXXX New York my whole life before that. I have never lived out of state or even out of my hometown. Indigo argues that they used my social security number and birthday to sign up for the account, which of course they did. That's what happens when someone steals your identity. They also claim they sent information to my address, but they either sent it to a wrong address ( if it was an address beginning in anything but XXXX or XXXX ) or it was stolen from my mailbox, hence was I initially reported it stolen and closed my account. They claim they've sent an affidavit of identity theft, but if they sent it to the address they had on file, they've sent it to someplace in Virginia I have never lived. If they check my credit report, they'll notice that they're the only ones reporting it as my address, as I've never lived there. So in summation, Indigo did not get my address, phone number, or anything else correct but issued a card to someone and, despite being alerted it's fraud, is negatively reporting on my credit report, sending important communication to the thief 's address.
02/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • GA
  • 30045
Web
I AM WRITING IN RESPONSE TO CCFPB COMPLIANT NUMBRT XXXX. I PREVIOUSLY REQUESTED THE FOLOWING AS OUTLINED BELOW CONTACTED GENESIS /INDIGO CREDIT CARD FOR THE PURPOSE OF OBTAINING AL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/XXXX. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY GENESIS/INDIGO CC. WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. GENESIS ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST XXXXXXXX XXXX XXXXXXXX XXXX. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/XXXX ) BE MAILED TO MY PHYSICAL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!! ON XXXX XXXX XXXX I RECEIVED A LETTER FROM GENEISIS CARD SERVICE WHICH WAS OPEN, IT ONLY HAD THE FACE LETTER IN THE ENVELOPE. THE ENVELOPE WAS OPEN AND NO OTHER DOCUMENTS WERE PRESENT,. THIS IS DIFFERENTLY ANOTHER SIGN AS IT RELATES THE XXXX XXXX XXXX XXXX. XXXX GA XXXX, IS BEING SABOTAGED AND THE HOA /ATTORNEY IS INTERSECTING AND OPENING OUR MAIL TO TAKE OUT THE EVIDENCE WHICH WOULD PROHIBIT THEM FROM A NON-JUDICIAL FORCLOSURE. SEE BELOW.
09/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 304XX
Web
For two consecutive months, I have paid my entire balance off because I am in the process of building my credit and I want to show use of the card and it being paid off in full when its reported to the credit reporting agencies. Each time, the company has stated that my account was flagged and it automatically placed a hold on my payments to ensure they are paid or the funds are good. AND each time, my payments cleared. I offered to contact my bank with them to show the funds cleared and they declined each time. Then they are advising me that if I wanted the funds to clear within three days to make the payments via XXXX Lets keep in mind, Im already at a risk of a very high interest due to my credit rating and yet this company is advising me to pay with a company that charges me to make a payment. This is downright abuse of their power and its hurting myself and many others who are facing challeges the many challenges of having bad credit. I got this credit card to help me build, but it appears its doing more harm to me than good. Last month, I made several payments to my account of {$80.00} and I didnt mean to do this, but when making a payment via your online account. Instead of their this system showing the payment as " pending '' whats happening is it shows nothing for a day or two. So, because I didnt see the orginal payment pending, I made another payment of {$80.00}. Well 2 days later, the payment finally showed in my account and the second one a day later. The first payment cleared, but the second one didnt and the reason for this is because I had assumed I made the one payment. So, how is it possible for me to be criticized or my account placed on limitation when their system lacks the abilty to show pending payments? Also, you will notice i have many a large amount of payments to this company without any issues and since then all my payments have cleared.
10/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08724
Web
XXXXIndigo continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX score XXXX points for no other apparent reason other than them putting a remark on the Indigo account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.
04/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • MA
  • 02136
Web
I applied and was approved for Destiny Mastercard in XXXX. A card was mailed out and had no issues. 3 months later, upon attempt to use card I was declined. I called destiny costumer service at XXXX and they stated there was a new card mailed out in which I did not request. Either way, I waited for a new card, which never came. I called the company and they stated a new card would be mailed out and apologized for the inconvenience. I was told it could take up to 14 days to receive the card. I never received this card. XXXX of XXXX I called company and explained the situation in which they apologized and stated they would mail out a card and to wait 14 days for card to arrive. The card never came. All the while, I am paying the interest and dues related to this card. I didn't have access to use my account because I did not have the card in my possession. Again the card did not come, i called the destiny company again on XX/XX/XXXX spoke to : XXXX employee number XXXX, they stated they had it documented in their system that I stated I never received card and requested a new card be mailed but there was no card sent out. during that call I requested yet another card. I requested it be expedited which they could not honor. 14 days later XX/XX/XXXX I called again and Destiny Company stated they are issuing another card and to call back to follow up in 3 days. They also stated that they were forwarding this information to their " higher ups '' and apologized for inconvenience. I called on XX/XX/XXXX and spoke to a rep who stated there was a " fraud claim '' on my file and no card was issued to be mailed out. I never put a claim in for fraud and now and livid that there is no card issued. i do not want to hurt my credit by closing my account or not making payments so I'm stuck to what to do. they have deceived me and not honored my request to give me a card.
11/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27265
Web
I had a Milestone Credit Card that was issued by Bank of Missouri but serviced by Genesis FS Card Services. My card did fall behind however I called them in XX/XX/2022 to make a payment to prevent charge off. I made a payment that day of XXXX on the phone and advised I will be paying this account in full before the next pay was due. I asked would the {$56.00} payment be enough to keep the account open and prevent chare off and I was advised yes. I called back a week later to set up the payoff of the balance and learned my account was charged off anyway and sold to XXXX XXXX XXXX XXXX. I tried to speak with someone at Genesis to tell the, this was an error but they refused to speak to me and stated I needed to call XXXX XXXX. So I called XXXX XXXX and set up the payment to pay the account off in full ( {$1000.00} ) on XX/XX/2022. XXXX XXXX only had my account for less than 10 days so they never reported to my credit. But Genesis reported the account as charged off. I filed a complaint with the XXXX and this was the only time I got a response from Genesis. They stated they would pull the account back and remove the charge off in XXXX days this was XX/XX/2022. On XX/XX/2022 Genesis has pulled the account back from XXXX XXXX and started the process of removing the charge off but only from XXXX. Then today XX/XX/2022 I was notified that the balance of {$1000.00} has reappeared on my credit. I called to find out why and Genesis stated they don't have the funds from XXXX XXXX although XXXX XXXX did confirm my pay off on XX/XX/2022. I asked Genesis to stop reporting this balance since it was paid to the company they sold it too and it is not my fault they is a break in their process to get the account back that they sold. The payment was made therefore I am no longer responsible for the balance yet they are still reporting as if I never paid the balance in XXXX.
04/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 939XX
Web
In the late fall of XXXX, I noticed that my credit rating had dropped. When I reviewed it, the report had two addresses unknown to me and an Indigo credit card from XXXXXXXX XXXX. Both the card and Bank I did not recognize. I reported the card and the two unknown addresses to XXXX and XXXX who removed them from my record. ( The XXXX County Sheriff traced the addresses to two mailboxes in XXXX California ), I really have been paralyzed by all this, not knowing what to do and especially haven't trusted websites or credit card companies I hadn't heard of. I tried to talk with the credit card company and they insisted the charges were from me. I explained that I had never heard of them before. I was fearful since their website looked really sketchy and I did not want to reveal any personal information to them over the phone. My conversations with them resolved nothing. I had moved to another city for work in XX/XX/XXXX and have tried to dispute these charges, but for some reason XXXX was insisting that they were still mine. I got correspondence from a the Law firm of XXXX and XXXX saying that they represented XXXX XXXX XXXX who had bought the debt of {$1600.00} and that I should pay them immediately. They have statements indicating the charges and two unpaid statements that have my name on them with the unknown addresses. They sent me a form requiring me to enter my personal information and I did not want to fill it out. XX/XX/XXXX, they sent me a letter asking me to pay 70 % of the debt they claimed I owed as a settlement. Out of principal, I do not want to pay for something that was taken fraudulently in my name. XXXX and XXXX have now ( XX/XX/XXXX ) served me a notice that they are suing me in Small Claims Court. How do I defend myself? I don't have the resources to hire an attorney that would exceed the cost of the amount they claim I owe.
03/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MO
  • 65803
Web
MILESTONE MASTERCARD I will LIST this Problem Description for an Easy Read : 1 ) Minimal Payment of {$40.00} Due On XX/XX/XXXX 2 ) Made Payment of {$200.00} On XX/XX/XXXX, at XXXX ( six days early ) 3 ) Payment Posted To My Milestone Account On XX/XX/XXXX, At XXXX 4 ) Payment was Posted To My Bank Account On XX/XX/XXXX 5 ) Payment Cleared Bank Account and Payment of {$200.00}. Verified As Received 6 ) Monthly Statement XX/XX/XXXX -My {$200.00} Payment Has Not Been Applied 7 ) Six Days My {$200.00} Payment Has Cleared Bank Account Balance Is $ XXXX 8 ) Day Seven - My Balance Is $ XXXX 9 ) Day Eight - My Balance Is $ XXXX XXXX ) Day Nine - My Balance Is NOW NEGATIVE $ XXXX! 11 ) Day Ten - My Balance Still $ XXXX ( Call To Milestone - Will Clear On XXXX ) 12 ) Day Eleven - My Balance Is Still $ XXXX 13 ) Day Twelve - My Balance Is Still $ XXXX XXXX ) Day Thirteen - My Balance Is Still $ XXXX 15 ) Day Fourteen - Balance STILL $ XXXX DATE IS THE XXXX of XXXX! TAKING FIFTEEN DAYS TO PROCESS? THIS IS NOT MEETING THE DEFINITION OF " GOOD FAITH '' STANDARDS SET BY THE CONSUMERS FINANCIAL PROTECTION AGENCY! THIS IS UNACCEPTABLE! If I had Known They Were Going To Take 15 Days To Process ( AND COUNTING ) ... Then I Could have Withheld {$35.00} And Bought My Prescriptions I HAVE BEEN WITHOUT XXXX FOR FIVE DAYS! They Told Me Funds Would Be " Released Tomorrow '' I Told Them I Needed My XXXX! They Spoke To A Supervisor! AND STILL REFUSED TO RELEASE MY LINE OF CREDIT >>> THAT! IS NOT FAIR PRACTICE OR GOOD FAITH THATS CALLED LEVERAGE! XXXX AND THAT IS NOT RIGHT! THIRTEEN DAYS SINCE THE PAYMENT WAS COMPLETELY POSTED AND FULLY CLEARED MY BANK ACCOUNT! - " CLEARED '' JUST CALLED THEM AGAIN STILL ON HOLD! I AM DISGUSTED - I NEED MY PRESCRIPTIONS!!! IF YOU PAY THEM FIVE DAYS EARLY AND PAY A THIRD OF WHAT YOU OWE AND GET TOLD IM SORRY FOR SIX PHONE CALLS
05/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21227
Web Servicemember
I was behind on my payment due being on temporary XXXX for a few months after a surgical procedure in XXXX. In XXXX I received a letter from XXXX XXXX XXXX XXXX with an offer to settle my account. I was able to acquire a debt consolidation loan from my bank. In XX/XX/2023 I paid the requested amount and the remaining balance was forgiven. I'm in the process of purchasing a home. My credit reports do not coincide with XXXX report regarding the XXXX XXXX XXXX. The XXXX XXXX account was paid and closed in XXXX on all 3 credit bureaus. However in XX/XX/2023 XXXX accepted a file from XXXX XXXX XXXX reporting my account over 90 days late and derogatory. My score has been going up and down like a roller coaster on XXXX only. I believe they are accepting fraudulent information or they are reporting fraudulent information so that I will subscribe to their subscription services to monitor my credit reporting activities. I attached a letter from XXXX XXXX XXXX XXXX The letter reads - your XXXX XXXX account issued by the XXXX XXXX XXXX above has been settled for less than the full balance. You may receive a final statement reflecting your settlement payments. However, please regard any minimum payment or balance due information as the remaining portion of your count balance as shown that the top of this letter has been forgiven. Sincerely, Genesis FS card services the XXXX XXXX account is issued by the XXXX XXXX XXXX and XXXX by Genesis FS card services Inc.. XX/XX/2023, XX/XX/2023, XX/XX/2023 reads XXXX XXXX info reported. There shouldn't be any information reported after XXXX payment because it was closed. Genesis FS card services also known as the XXXX XXXX XXXX failed to report that the account was closed in XXXX, instead of reporting closed they didn't report anything ** except for XXXX when they reported that I was over 90 days past due.
04/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 206XX
Web Servicemember
Milestone is reporting two separate conflicting accounts on my XXXX, XXXX, and XXXX credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX XXXX, I called Milestone on the phone number listed on my credit reports for both Milestone accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative Milestone account in the past with XXXX, XXXX, and XXXX, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? Milestone, XXXX, XXXX, and XXXX are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my XXXX, XXXX, and XXXX credit reports immediately. I have attached a copy of my credit reports with both Milestone accounts listed.
03/10/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 283XX
Web Servicemember
I was looking over my consumer report and I noticed that a Charge off is reporting on my consumer report that should not be there because the information is different across the Credit Reporting Agencies which means it's inaccurate and in violation of the FCRA. The IRS also defines what a charge-off is. As defined by the IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
06/15/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 107XX
Web
I had two accounts with Genesis FS Card Services, an Indigo and a Milestone that were past due. On XX/XX/XXXX I paid both cards off in full. In XXXX I checked my credit report to see if it updated and it stated that both cards were charged off so I called the credit card company and they told me they would have to investigate. After two weeks I called back again and they told me they dont see anything in the notes and I would have to speak with the charge off department. I called the number they gave me and the person I spoke with said that they could not help me and gave me another number to call. After weeks of trying to speak with someone that knew what they were talking about I finally was able to speak to someone on XX/XX/XXXX. She told me that she sees the cards were both paid off in full and does not understand why it says charged off/sent to collections and was sending the back office a work order and it should be corrected within two weeks. As of today XX/XX/XXXX it is not. I called them back today and now I am being told that they can not check the status of the work case number that I was given and that the accounts are both listed as charge offs and in collections. I told them that the accounts were never in collections and never charged off because I paid the balances in full and have my bank statements to prove it and they said that they will have to investigate again. This makes absolutely no sense to me at all and I dont understand why I am getting the run around and why this information has not been corrected. They received my money months ago and now my credit report has negative info on it and is effecting my credit score tremendously. This needs to be corrected as soon as possible. This credit card company is a joke and noone understands anything and they do not seem to know what they are doing. Please help me!
09/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MD
  • 20772
Web
On XX/XX/2022, I received an alert XXXX XXXX, that there was a change to my XXXX report. I requested a free copy of my credit report and learned that two companies ran an inquiry for credit. The two companies listed were : Destiny XXXX Account and Indigo Mastercard Account. There was also an unknown address and phone number listed. ( Address : XXXX XXXX XXXX, XXXX Florida, XXXX ; Phone number : XXXX and XXXX ) I disputed both the address and phone numbers. In late XX/XX/2022, I received emails about a new card. I looked at my credit report again and credit card accounts appeared on my report for Destiny XXXX Account and Indigo Mastercard Account. I contacted the company and they said they would send me an affidavit to complete and have notarized. I also disputed both accounts with all three credit bureaus ( XXXX, XXXX and XXXX ). On XX/XX/2022, I received two letters from Genesis FS Cards Services - XXXX XXXX, XXXX, OR XXXX. There was a letter sent on behalf of Indigo and Destiny. The letters stated they processed a change of address on my account. I contacted the number provided on the letters ( XXXX and XXXX ). One of the numbers was never answered and when the other call was answered- the person I spoke with said she didn't see my name in the system and would need the last four numbers in my social security. I did not provide it. This appears to be a scam - two accounts opened - different credit companies but they both have the same address and were opened the same day. They used the fraudulent address and phone numbers that I disputed. I need this corrected. XXXX sent me a letter saying the company verified that the information was correct. This is not my account. I have am the victim of identity theft. I need these accounts removed from my credit reports and the individuals behind this scam need to be prosecuted.
11/13/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • AL
  • 361XX
Web
I am filing this complaint against GENESIS FS CARD SERVICES, INC.. I have been corresponding with this company since XX/XX/2021. After numerous correspondence GENESIS FS CARD SERVICES, XXXX has closed my account which is an adverse action and a violation of 12 CFR 1026.13 ( d ) ( 3 ). After careful study of Title 15 Chapter 41 I was appalled to find out that I had entered into a fraudulent agreement with XXXX XXXX XXXX which is serviced by GENESIS FS CARD SERVICES , INC . On XXXX XXXX I sent Notice to GENESIS FS CARD SERVICES, INC. by sending an Affidavit of Revocation of Signature, an Affidavit of Truth, a Cease and Desist, evidence proving the violations commited and a Bill of Particulars as an invoice ( which I have provided as Exhibits ). I stipulated that since I was misled by not having previous knowledge of what constitues a complete contract I asked the company to zero out the balance of the account, I asked them to keep my credit line open and pay the positive balance to me as well as the amount in my Bill of Particulars. The company responded by putting my account in a dispute status where bill payment wasn't due ( which was proper ) and they sent me an Affidavit of Identity theft to send back to them. When I received their correspondence I instead sent back a Notice of Billing Error and an Affidavit of Identity proving that I am a Natural Person. In the Billing Error I stipulated what documentary evidence is as defined in 15 USC 44. I asked them for clarification and to provide who funded this account as well as what is owed according to their journal and ledger entries. They received this notice on XX/XX/2021. XXXX XXXX XXXX XXXX, XXXX responded by removing all reporting from the credit agencies and they closed my account. This is an adverse action as codified in 12 CFR 1026.13 ( d ) ( 3 ).
11/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 63033
Web
Monday, XX/XX/2022 at XXXX - received an email and text notification from XXXX XXXX saying there is a new inquiry on my XXXX credit report. After checking my XXXX XXXX account I saw that there is a new hard inquiry dated XX/XX/2022 from FEBDestiny. Location address shown on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Phone number listed is XXXX. Inquiry type shows as Individual. I immediately called the number XXXX as listed. A recording says that number is disconnected. I looked online for Destiny Bank and found a toll-free number listed as XXXX. Recording at that number said to call within normal business hours and immediately disconnected. Tuesday, XX/XX/2022 at XXXX - I called the number to Desitny Bank to ask about the inquiry. Using my name, last four digits of my social and date of birth they claimed that they have no accounts listed under my name. They suggested that I call XXXX. Tuesday, XX/XX/2022 at XXXX - I called XXXX. XXXX is able to see the inquiry and suggested three actions : 1 ) XXXX offered to notify Destiny Bank of the fraudulent activity which I asked them to do for me. 2 ) They suggested that I call the creditor which I informed them I had already done. 3 ) File a police report and file a report with the FTC, which I am doing now at XXXX. I also put a freeze on my credit to prevent future applications and inquiries. I would like this hard inquiry immediately removed from my credit report as I did not request any new credit from Destiny Bank or any other creditors in the past several months. I would also like to ensure that no accounts or other credit activities have taken place as a result of this inquiry. If possible, I would like to know who accessed my credit information and how they obtained my personal information to access my credit account.
01/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • NH
  • 03801
Web
On XX/XX/XXXX i paid off all of Indigo credit card including all the fees i felt were being processed without any proper verification. Since i felt the Indigo company was abusing their position over me i made sure all debt was paid so i could close account. This amount was for {$420.00} on a {$300.00} limited card. When i paid over the phone I specifically asked them if this would get me out of collection and be shown on my credit report as being paid off and they informed me that it would. I recently checked credit score, noticed it was still low after literally paying off every medical bill, paycheck loans and delinquent accounts i could find this summer. Upon further investigation i saw that Indigo was the first company listed on my report as delinquent. I called the office today and they said i owed over XXXX more dollars due to fees that had accumulated since i closed the account. I told them that was incorrect and the man XXXX said it was from a XXXX payment that didn't go through on XX/XX/XXXX. I told XXXX i wanted to speak to manager. After being put on hold he said he would waive all fees and that i could just pay the XXXX. This made me more frustrated because he was acting like i was getting a deal. They should be paying me for lying, stealing and messing up my financial portfolio. Another scammer ruining all my goals of buying a house anytime soon. There is no way that I didn't already pay for this transaction on XX/XX/XXXX. If I didn't have the funds on the XXXX they would have known that day, let alone two weeks later. Long story short ; Manager never got on the phone and XXXX said i i should take the deal. I informed him if they didn't drop all chargers i would contact FTC instead. Please help Thank you for your time and consideration I look forward to hearing back from you soon.
04/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • AL
  • 351XX
Web
I have a credit card with this company for XXXX limit. I have tried to pay on or off this card for several months. I requested for a payments via the online service only for it to give me a confirmation page and confirmation email then a reversal of payment days later. I have spoken to the company representatives three times and they insist that I have have insufficient funds however I spoke to my bank and they report not receiving a XXXX request from this company. I have checked my banking statements for the days I requested payments to be credited to my account however I don't see this company request in the statements nor do I see a bank charge for insufficient funds. I have requested payments to be made on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these payments were not process through my bank even though this company representative stated I have insufficient funds. Each transaction the company charged a late fee, interest as well as negatively impacted my credit report. I have spoken to my bank and they state they have no transaction at all and I gave them the dates listed above. The first time I spoke to a representative they told me insufficient funds I spoke to my bank and the I went to the online website and entered the payment information a second time. The second time I spoke to a representative I attempted to explain the situation and put me own hold and then hung up. The third time which is today XX/XX/23 I spoke to a representative the once again told me I had insufficient funds but after I continued to explain he told me first to re-enter my payment information which I had already done by this time and then he told me a supervisor would call me and then hung up. I will provide any and all information as needed for this complaint upon request.
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77084
Web
This is a notice to file a statement of claim against your company due to reinsertion of an account that was previously deleted. I sent your company a letter disputing the following account FEB DESTINY XXXX, where you stated that the item had been deleted; was not reporting ; no longer existed. After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. This is not the case because this account was closed last in XXXX. You are now reporting that this account was late in XXXX when this account was closed. The account that your reinserted also has a different balance and date of last activity being reported. How is this so? I am requesting all documentation proving the certification of accuracy. The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. I am willing to give you more time to furnish this information to me before I pursue suing against your company for the above mentioned FCRA violation. Please forward the name, address, and telephone number if available of the furnishers of the information confirming its accuracy. Documentation stating that the item has been reinserted and the date of reinsertion. I am furthermore requesting documentation of the reinvestigation process performed when this item had been deleted. In accordance with the FCRA, I expect to receive the requested documentation within 15 days of receipt. The reinserted account is listed below : FEB DESTINYXXXX XXXX
04/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 150XX
Web Older American
I have always paid this bill using my one and only checking account through my debit card. This mounts they changed their payment policy, and bills must be paid via account and routing numbers from this same checking account. When I tried to pay online it claimed that I was entering the wrong numbers, this occurred on XX/XX/23, XX/XX/23, XX/XX/23, and today XX/XX/23. On XX/XX/23 I phoned customer service and they tried doing it manually, still it claimed that I was entering the incorrect number. I explained that I had been paying this bill using the same account throughout the entire time that I have had the account, and that the only difference was I did it through my debit card. They informed me they no longer accept debit or credit cards it had to go through using routing and account numbers. They asked me to call telecheck to see where the problem was. XXXX investigated and said that all of my information was correct and that the problem was on their end. Genesis still wouldnt accept the numbers I was giving them, even though everything on my end was correct.I have over 5 hours in trying to pay this bill. I have never had so much trouble trying to pay a bill. As a result of their incompetence they are charging me a late fee and turning me into the credit collectors. I have been working very hard to improve my credit score, and now they are destroying my 100 % on time payments on my credit report. They refused to accept any other form of payment. I dont even know what to do next. They did mention going somewhere and try to pay through moneygram, but I am currently without transportation. The issue with the checking account is 100 % on their end this has been verified by XXXX and my bank! I really dont know what to do next! I would appreciate any advice you can give me. Thank you, XXXX XXXX
06/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 71105
Web Servicemember
Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 90 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 11 Payment Status : 90 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$93.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX Account Status : Account/paid satisfactorily Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : 14 Payment Status : Current Payment Status Date : XXXX Credit Limit : {$700.00} Current Balance : {$0.00} Highest Balance : {$170.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : N/A ( I never had this account ever ) They mailed me the card and I sent it right back XXXX XXXX Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 60 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 13 Payment Status : 60 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$180.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX THER ACCOUNT WITH XXXX WERE ALL PAID IN FULL AND WERE ONLY LATE ONCE. I HAVE SPOKEN WITH SOMEONE FROM THE COMPANY THREE TIMES BECAUSE IT'S STILL SHOWING ON MY CREDIT REPORT DELIQUENT ACCOUT 60 AND 90 DAYS PASS DUE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT. IT HAS BEEN THERE TO LONG AND IT'S AFFECTING MY SCORE. THE FAIR REPORTING CREDIT AGENCY INFORMED THAT THIS NEEDS TO BE RESOLVED IMMEDIATELY.
09/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98408
Web
On XX/XX/XXXX, I disputed this credit card issued by Genesis FS Card Services. It was opened fraudulently in my maiden name, which has not been my name since XXXX. According to the company, the card was issued around XXXX of XXXX and the charges all take place at XXXX XXXX and XXXX in Michigan. I live and have always lived in Washington State. I have never been to Michigan. I have spent over 8 hours in total on the phone with this company. My first phone call to the company placed on XX/XX/XXXX resulted in the agent refusing to transfer me to their fraud department and instead advising me to file a dispute through XXXX, which I immediately did. Approximately one week later, I received an email stating that the dispute investigation had concluded and the information was found to be accurate. I filed a second dispute with XXXX, filed a report with the FTC, filed a report with the Attorney General of Washington, a police report with XXXX Police Department and again called the company only to spend hours on the phone. On XX/XX/XXXX, I received a letter requesting a copy of the report I filed with the FTC within XXXX calendar days. I immediately faxed a copy of the report, as the credit card company states that is the only way to submit such documents. I called the company shortly after to ensure the fax had been received only to be told they will take 5-7 business days to process the document that I sent. Trouble is, this would put me past their 20 day deadline. XXXX stated on XXXX that my dispute had been closed by the credit issuer, which doesnt make any sense at all. I have been hung up on twice today alone. This company and its agents are criminal. I encourage everyone to record their conversations and take excellent notes whilst communicating with this criminal company.
04/27/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38109
Web
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company. XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account. XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXXXXXX CB INDIGO is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXXXXXX XXXX : Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX. XXXX : Date open shows XX/XX/XXXX. XXXX reported on : XX/XX/XXXX. Last date active : XX/XX/XXXX. Date of last payment : XX/XX/XXXX.
10/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • SC
  • 299XX
Web Servicemember
XXXX XXXX XXXX Please Update Employment Information per job offers and Employment verification letter submitted from XXXX XXXX XXXX and XXXX XXXX. Please update inaccurate and Unfair information on my Three Credit Reports to the following : Remove all Delinquent accounts from report due to non-receipt of employment pay checks from 2 Employers ( XXXX XXXX and XXXX XXXX. Allow Deposit of approved loan from XXXX XXXX for {$10000.00} into my established bank account or a new XXXX XXXX account. Allow receipt of {$250.00} to be deposited into XXXX account once direct deposit is established of new XXXX XXXX bank account. Remove incorrect residence information and information that is over 10 years old. ( Review letters submitted to Bureaus ) Restore XXXX XXXX XXXX to XXXX to all Bureaus due to above mentioned and approve {$1000.00} credit line asap with Destiny Mastercard due to inaccurate and Unfair information. See all documents submitted to all Bureaus requesting to update information dated since XX/XX/2023. Review Dispute status and remove inaccurate information about The following account on report : XXXX XXXX. Please increase XXXX score due to Real Estate Valuation updates for XXXX XXXX XXXX XXXX, XXXX SC XXXX. Allow XXXX credit score goal to be achieved by XX/XX/2023 for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. Longevity, Peace and Prosperity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Email : XXXX Please be informed that this email is intended for the recipient listed. If you are not the person or business entity that is not intended to receive this email and receive it in error, please disregard and delete. This email is not intended for judicial or jailing purposes and is not to be used for scams or defrauding purposes. Thank you for your service.
08/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90601
Web
My debt started out with Indigo credit card. I fell behind on my payment as I was off work without pay to take care of my sick mother who ended up passing during covid. I tried contacting indigo on several occasions by phone putting my credit card information in on the automated system. I could never got a live body to speak with in which the system would state that my account was being sent to collections and I should receive something by mail or a call in a couple weeks. I never received any information for the collection by mail not once nor have a received a call from them. The collection company is call XXXX XXXX XXXX XXXX. After a couple of months I received alert from my credit report company stating that they had add this to my credit report without contacting me. I have filed a dispute against Indigo because it is hard to get a live person to speak with so that I could settle with them and then I have also filed a dispute with the credit breu reporting agency and XXXX against XXXX XXXX XXXX XXXX. I filed these complaints on XXXX and still have not heard back from either company. I have asked for both of these accounts to be removed. Indio rips people off with. My credit limit was XXXX XXXX I tried to pay them the XXXX dollars to settle before and they told me I would have to pay the whole XXXX. As for XXXX XXXX XXXX XXXX. Not one letter or notice mail to me or call to speak about this debt but you throw it on my credit report. I would like both of these account removed. Indigo credit cards needs to get a better system so you can speak with a live rep. If I was able to do this maybe I would have been able to find out who the collection agency was and make a dispute or pay it before this took place. Now both of these companies are on my credit report.
04/13/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91504
Web
XXXX XXXX XXXX XXXX of XXXX Genesis Credit has taken adverse action against me, with forethought and malice, by furnishing grossly inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. I am acutely aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Genesis Credit before it was furnished. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Genesis Credit to furnish any late payments to my consumer report. It is my belief that due to Genesis Credit 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
01/05/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 609XX
Web
Hi, My Name is XXXX XXXX And I would like to report an unusual act with a credit card company! I applied for services that help increase credit building. I jsigned up and was approved for a secured card called Milestone gold/ Genesis fs card with a deposit of 125 dollars, With an approved amount of 500. My card came in the mail around about XXXX sometime and I ordered some items because my son and fiance birthdays were coming up and I wanted to buy gifts. I paid the amount back right away a few days or maybe it was the next day, However on line. And everytime I paid the full payment, the company kept reversing the money back And with out it ever showing up on my account. I even tried other ways by calling on the phone paying it through the automated machine, And as always it seems to be going good except the payment is always reversed back and eventually ruining my credit and constantly reporting it to my credit. After months of just humiliation, I was able to call and speak to someone because before I called someone mentioned that they aren't able to take payments over the phone only online or automated. So I didn't understand that when I called this time and I addressed my concern and the person took my payment, stating that the money has ro be reflected on the account at least 14 days prior in order for the payment to be processed. But this day it went through less than 48 hrs, Then they send me a letter saying the company has made a decision to process my payment differently from the other customers as if I am so much better than the rest of the people. I only wanted to pay them back, And received all this havoc and kids dealing with this company. I can't say, I am Happy! I believe that this is a fraud matter!! Thank you!!
11/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CT
  • 06825
Web
Milestone Mastercard XXXX XXXX XXXX XXXX/ MI XXXX XXXX XXXX XXXX , OR XXXX XXXX XXXX I took out the card and Without using it or activating it the card came with a balance of XXXX This balance is very deceiving. They charge an annual fee without the person ever activating the card. The other issue is it is not made abundantly clear beforehand that this would occur. If not for XXXX XXXX I would have never noticed and I would have been unjustly billed. I called and complained about the charge. I not yet understanding why there was a charge to my account told the individual I spoke to I never used the card and I should not have a balance. I also told them I did not want the card. I want it closed and I would be reporting them to consumer finance. Their response was asking me if I wanted to activate the card. Luckily I said NO and repeated I wanted the account closed out. They transferred me to a manager. After talking to a manager I discovered had I activated the account I would have been stuck paying the fees. I felt mislead. The woman I spoke to before clearly tried to trap me into having to pay the fees by 1st not disclosing I would have to pay the fees if the card was activated and 2nd by ignoring my demand to close the account and offering to activate the card. This is not a trustworthy company! XXXX XXXX has many people complaining that this card is not clearly transparent on the annual fee. And they clearly do not explain we will not be held accountable if we do not active the card. And clearly if you call to complain before they explain the fees and how to avoid them they try to push you to activate your card. Now my concern is how trust worthy are they to follow through and not charge me a fee and how will this affect my credit score.
01/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NJ
  • 07112
Web
This is a complaint from a consumer natural person pursuant to the Truth in Lending Act ( XXXX XXXX XXXX ). On XX/XX/XXXX of XXXX, XXXX XXXX denied my consumer credit application for an INDIGO XXXX XXXX. This adverse action is a direct violation of the Equal Credit Opportunity Act ( XXXX XXXX XXXX ( XXXX ) ). I the consumer and applicant in good faith exercised my right under the Consumer Credit Protection Act. Because XXXX XXXX wrote the XXXX discrimination disclosures at the bottom of the letter, it shows that they knew of my rights which means they knowingly and willfully abused and damaged my life by being non-compliant thus making themselves civilly liable. Lastly, i have attached a photo of the approval requirements stated by XXXXXXXX XXXX themselves. None of those requirements are mentioned in the reason given for the adverse action. " Recently opened Milestone account '' was not disclosed to be means for disqualification. I really don't understand how XXXX XXXX could think that consumers aren't credible for their own credit when banks don't loan money pursuant to XXXX XXXX XXXX. Especially since they are XXXX insured. What money are they expecting when the United States is responsible for debt obligations and bills of credit which means I have perfect and unlimited credit. This type of practice undermines public confidence in the banking system. I am the authorized representative of my trust account also known as principle also known as priority exemption prepaid account. Seems like XXXX XXXX is in the business of identity theft by pulling credit and getting paid with no equity given to the consumer. This noncompliance needs to stop because if they are doing this to me, I'm sure they will do it to other consumers.
07/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07106
Web
I, XXXX XXXX and natural person, was denied credit by MILESTONE MASTERCARD when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX of whom I am the Executor of the Estate/Trust of XXXX XXXX XXXX XXXX through a XXXX form from the Treasury with a XXXX with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit, when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ). You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by MILESTONE MASTERCARD due to the response I received. MILESTONE MASTERCARD is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of MILESTONE MASTERCARD 15 U.S.C 1602 ( p ).
04/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06002
Web Servicemember
This will be the XXXX complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately XXXX mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. Also due to credit issues, I lost potential employment and bar admissions. Current issues : XXXX is reporting correctly, XXXX is not and has put prior derogatory reports back onto my credit. 1. XXXX XXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. Indigo payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 7. XXXX XXXX reports and amounts are disputed and currently in active litigation. 8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full XXXX. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX
11/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NC
  • 27106
Web
My grievance is with CB Indigo who is also known as XXXX XXXX XXXX They are reporting that I have an account with them that has been closed and that I owe them {$610.00} for this credit card. The problem with this is that the card is not mine, I do not and have not ever had any contracts with this company, and when I brought to their attention not only did they continue reporting this negative tradeline to the credit bureaus, but they didn't even bother to respond to my complaint. By their failure to respond to my complaint, and correct their erroneous reporting, they are in violation of the Truth in Lending Act 15 U.S.C. 1643 ( b ). This federal law states that the card issuer has the burden of proof to show that a consumer has authorized the card issuer to make him or her liable on all the charges to a credit card account. I am not and have never entered into a credit agreement for this account. Therefore, this account must be deleted from my credit report. The state of North Carolina also prohibits the actions that CB Indigo has taken regarding this negative tradeline. According to a law review done by XXXX XXXX XXXX ; Authorized user : " Courts have generally agreed that a consumer who has not entered into a credit agreement, but is merely an authorized user on another persons account, is not liable for charges made by the cardholder. Under the Truth in Lending Act at 15 U.S.C. 1643 ( b ), the card issuer has the burden of proof to show that a consumer has authorized the card issuer to make him or her liable on all of the charges to a credit card account. '' So again, I am demanding CB Indigo remove the tradeline they are reporting to the credit bureaus under my social security number immediately!
11/30/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • FL
  • 32571
Web
I am writing to formally dispute several unauthorized inquiries on my credit report, as identified in the attached documentation. As someone who has been proactive about credit security, I have had a fraud alert on my account for over 15 years to prevent such occurrences. Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize. These inquiries have potentially negative implications for my credit score and could be indicative of fraudulent activity. Given my longstanding commitment to safeguarding my credit through a fraud alert, these inquiries are especially concerning. The unauthorized inquiries occurred on [ List the dates or approximate time frame of each inquiry ]. I have neither initiated nor authorized any credit applications during this period, and therefore, these inquiries are erroneous and potentially fraudulent. I request the following actions to resolve this matter : A thorough investigation into the unauthorized inquiries listed in my attached documentation. Removal of these inquiries from my credit report, should they be verified as unauthorized. An update on the status of your investigation and any actions taken. I have also contacted the credit bureaus to inform them of this issue and will be monitoring my accounts closely for any further suspicious activity. Please find attached copies of relevant documents, including my credit report highlighting the disputed inquiries and evidence of my longstanding fraud alert. I appreciate your prompt attention to this serious matter. Please contact me at XXXX or XXXX for any further information or clarification. Thank you for your assistance in protecting my financial integrity. Sincerely, XXXX XXXX
04/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • PA
  • 182XX
Web
I applied for an Indigo Mastercard on/around XXXX as recommended via XXXX XXXX . Per Indigo, they would provide me a decision within 7 business days. I contacted Indigo and was advised by a representative that I needed to provide a copy of my state Id front and back and upon the company receiving it my application would be approved. I have faxed over my IDs multiple times and for a while the company claimed to not have relieved it. I eventually was told that they did have it and it would take an additional 7-10 business days. I ended up receiving an email from Indigo on XX/XX/23 which stated that my application was not approved because they couldnt contact me. I called back on XX/XX/23 and requested to speak with the application department because NO ONE tried to call me. And if so, this would be my attempt to contact the company back to complete whatever verification process they needed to to confirm I was the applicant so my application could be approved. I was told by a rep AND a supervisor that there is no one I can speak to directly about this and that someone would call me back. A few days later I called AGAIN and spoke to another super who said the same thing. I wasnt able to be transferred to anyone and shed send an email for someone to call me but that they dont always return calls. How is this acceptable that a company can claim they tried to call me but never did and then when i respond to the email and also the letter which clearly states to call if I have questions there is no one I can speak to? Either process my application and Ive provided yous with the information you requested, let me complete whatever else you need to verify my Id or take the credit inquiry off my credit report.
01/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MN
  • 55411
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a Charged Off on my credit report on XX/XX/2020 for my ( Genesis FS Card Services ) Indigo Platinum Mastercard. In which it was supposed to be a goodwill XXXX Also, I never had a Milestone Gold Mastercard in XXXX. XXXX XXXX I want you to know that I understand my financial obligations, and if it weren't for the circumstances of my XXXX XXXX XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and me being XXXX with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX to XXXXXXXX XXXX wasnt a great year for me at all. I know I missed payments to Indigo Card Services, and it was sold or transferred to XXXX XXXX XXXX, in which I did pay the account off in full for XXXX on XX/XX/2020. I feel that if I didnt suffer through those circumstances Id have an excellent repayment record with Genesis FS Card Services to this day. I made a mistake in falling behind but since then, I have been focused on paying off my debt. Since then, I've committed to on-time payments. It comes to my attention that I have a Charged Off account. This blemish could hurt my ability to qualify for a XXXX XXXX XXXX XXXX XXXX XXXX ; I feel that my misfortunes shouldnt reflect my creditworthiness and commitment to repaying my debts. Genesis FS Card Services It would help me immensely if you could give me a second chance and make a goodwill deletion to remove the Charge Off on XX/XX/2020. Thank you for your consideration, and I hope you'll approve my request. Thanks, XXXX XXXX
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 372XX
Web
Hello, I have tried several times to deal with the customer service reps to no end. My credit report is being affected by wrongly reported lates. Account XXXX is being reported late in XXXX, XXXX and XXXX. XXXX ( which is paid off ) is being reported late for XXXX, XXXX and XXXX of XXXX ( in which a XXXX payment was made on the XXXX ). but I am not being credited with a {$200.00} and a payment that was retried and successful from my account on XX/XX/XXXX. It is only showing reversed in your records on XX/XX/XXXX so technically the payment was made on time. Also, in XXXX being reported late but I made a XXXX payment on account XXXX and XXXX on XX/XX/XXXX. Also on XX/XX/XXXX and XX/XX/XXXX payments of XXXX were made and successful. on account XXXX on XX/XX/XXXX a payment was made and successful for XXXX and XXXX on the XXXX. So the late in XXXX and the late in XXXX are incorrect as I am also not having the XXXX payment on XX/XX/XXXX reflected as paid. I need to have these lates removed from my reports as they are incorrect and payments that were retried were not recredited to my accounts. I do believe there were more retries that we done and never credited to my accounts as well or put on the wrong accounts. I have been a long-standing client and would like to continue to be but these errors are affecting my credit rating and I was not late as payments are not being credited correctly. I see many complaints on here of the same issues from other people. SO this is a trend with this company. I am attaching all my bank payments to genesis here. Not all have been credited to my accounts and were marked reversed when they were not. I never had any lates before on my two XXXX card accounts.
08/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • 30045
Web
My Indigo credit card has been locked by the credit card company because of one payment that was returned because the insufficient funds do me changing banks XXXX The payment that was returned was an additional payment I was submitted to lower my credit card debt but was not the minimum payment for that was already paid and honored try try it too I have only had this account for 2 months all my other payments have been successful and and I was only notified my credit card was locked 2 weeks after the initial lock I have respond out to the company and they refuse to unlock my card I was told I had to make a minimum payment that it's not due but I still made 2 payments as the act of good fate Is am I caught still not I have ACH payment coming out of that credit card that has known Practice and harsh rules and regulations regarding a {$300.00} account that's only been Open for less day I have another credit card with the same company which is on my destiny card of which my card was locked last month for the same reason and I'm being XXXX against all my accounts for submitting a complaint to the federal trade commission regarding that instance with that card And I'm going to the same situation with the new card Indigo credit card of which I received a offer lbecause of my good standards and payments with my destiny card My card was locked 2 weeks prior to receiving any correspondence both times and and the seasoned bit harsh for these penalties to be affected immediately on the 1st return payment Which was an additional payment Aside the minimum payment that was paid Which is a result for the complaint I made for my 1st credit card which is my destiny my destiny a month prior this situation
10/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • AR
  • 72712
Web
As noted in my Banking App. A XXXX was processed for my credit card account and was payment in full for the account. I called Customer service and was told that I called in to process a XXXX payment for my account. I have never paid this amount wirh XXXX and I always pay my credit card bill on the XXXX of the month by processing the payment on the credit card website. My checking account information is stored there. Because this XXXX was wrongfully processed it cause an overdraft return item fee of {$35.00}. I tried logging into my account and Customer service told me that my account was temporarily suspended until I verify my identity. My account was originated with Genesis Financial services and called Destiny Card. XXXX has taken over the Destiny Card. As noted my payment made at the beginning of the month was made to Genesis Financial services for the amount of {$100.00} and no payment was due until XX/XX/2023. XXXX XXXX has since processed the XXXX for the same amount of {$680.00} again on XX/XX/2023. I told Customer service that I didn't authorize this payment and I want My banking information removed from my account. I have faxed a copy of my Driver 's license to the number I was instructed and I still can't login to my account to verify my banking information has been removed. Since the orientation of this credit card account I have always manually processed my payments for {$100.00} per month. Customer service told me to contact my bank to stop the process of the XXXX and I have asked for the check number used to process the unauthorized payment and was not given one. I suspect that there was a data breach and that is the reason why they want to verify my identity.
02/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28411
Web
I filed a complaint with the CFPB last year into Genesis FS Card services. After receiving a letter from the company in regards to my complaint, I as well as the CFPB was informed this information for XX/XX/XXXX would be corrected to show as on time as the missed payment was due to an acknowledged company fault. The company not only did not honor this, but they are now reporting 60 DAYS late to XXXX and remains 30 DAYS late to XXXX. XXXX remains accurate at a 100 % on time payment standing. I have tried disputing this with the credit bureaus and even provided the letter given to me as well as the CFPB, but the company still refuses to update, even after they agreed to. I am filing a second complaint with them and would like to request investigation by the CFPB not only for false reporting, but also fraud as the company has told the CFPB one thing, but is taking another. Furthermore, the company keeps deleting my email information and contact information, preventing me access to my online account to make payments and review my account history. This took place after my first complaint was made and continues. I have to call and have my account unlocked every month to make a payment as no other payment options are available. The keep telling me it is due to a website issue, however I have spoken to other card holders and this is not the case. When I questioned an employee, I was told this was due to my complaint. My next step is a class action lawsuit if the CFPB can not help me and the company refuses to fix the issue they caused. A scan of the letter sent by GENESIS FS CARD SERVICES has been attached. Screenshots of the reporting as of XX/XX/XXXX have been provided as well. T
04/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 98387
Web
Who, what, when, where, why, and how? I was contacted by a notice by CBIndigo attempting to collect a debt that I never contracted nor agreed to pay. They reported negative and defaming information beginning XX/XX/2018 on my credit report. I have called back the number they were contacting me by and have not been able to get any response to validate this debt. I do not agree with their actions. I am challenging the accuracy and integrity of the information. 12CFR 1022.41 Reflects : ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. CFR 1022.41 ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
07/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • IN
  • 46143
Web
On XX/XX/2023 i was denied for credit I am writing to file a complaint against First Electronic Bank for unjustly denying my application for a Destiny Mastercard credit card based solely on my credit report. This denial has caused me significant financial and emotional distress, as it prevented me from providing essential needs for my family. The denial of my application has resulted in tangible damages, as I was unable to provide for my family 's essential needs. I had to take on extra shifts at work to cover utility costs, which imposed a heavy burden on me. This situation has caused me emotional distress, as it has led to increased stress and limited quality time with my family. I believe that First Electronic Bank 's decision violates the Fair Credit Reporting Act ( FCRA ), which acknowledges that credit reports should be just one factor among many considered during the credit evaluation process. By solely relying on my credit report, First Electronic Bank unfairly denied me access to credit and the financial stability it would have provided. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against First Electronic Bank for their violation of the FCRA. Additionally, I seek your assistance in urging First Electronic Bank to reconsider their decision and approve my application for a Destiny Mastercard credit card, considering my ability to responsibly manage credit. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will address this complaint promptly, seeking resolution to the injustices I have faced.
09/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 76227
Web
1 ) INDIGO the company mailed me a letter dated XX/XX/XXXX regarding a renewal fee of {$120.00} on XX/XX/XXXX. Then INDIGO goes on to tell that If i want to avoid paying the {$120.00} fee I must notify them and close my account with in 30 days. It's impossible to notify them within 30 days since they just mailed a letter XX/XX/XXXX. They are crooks! That would have only given me 3 three days to notify them. I just received this letter today XX/XX/XXXX. I want INDIGO to close my account effective the date you mailed me the of XX/XX/XXXX not XX/XX/XXXX. I WILL NOT PAY THE FEE CLOSE MY ACCOUNT IMMEDIATELY. I filed another complaint with the Attorney General Office. I will pay my balance on my account of {$420.00} and close my account. I refuse to pay the renewal fee of {$120.00} that I just received on XX/XX/XXXX. YOU MAILED ME A LETTER DATED XX/XX/XXXX DENYING ENROLLMENT INTO A DISASTER RELIEF PROGRAM THAT I NEVER INQUIRED ABOUT, TALKED ABOUT, CONSIDERED, NEED, OR CONTACTED YOU ABOUT. SO HOW IN THE XXXX I GET THIS LETTER? 2 ) I have Not contacted INDIGO to enroll in their Disaster Relief Program. Where INDIGO is getting this fraudulent request from because it was NOT me? For real who is fraudulently accessing my information and discussing disaster relief plans with INDIGO? I DID NOT CONSENT or AUTHORIZE an application to enroll in a Disaster Relief program. I did NOT contact INDIGO discussing my finances never. I NEED INDIGO TO SHOW ME THESE alleged applications, calls, or letters. INDIGO can NOT because they do not exists. this will make 4 different ones on four different violations you the CFPB and an ATtorney General report.
10/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • CO
  • XXXXX
Web
I have 2 current credit cards with Genesis FS card services. I received a pre-qualification notice for a new card with them ( Indigo Mastercard ). I followed the necessary application process. Once I was finished I received an email stating that I needed to submit additional documentation, i.e. a photo ID and SS card. I did so and also included my current bank statement so that they could see my current address. I did acknowledge that my ID had my old address so that bank statement could serve as proof of current address. I faxed this documentation twice. I then reached out to see where my app was and was told that my fax was not readable. I then mailed the docs ( 2 day priority with tracking ), and upon following up was told that the ID address not matching my application address would not work, and my bank statement showing current address was not sufficient. I then emailed XXXX FS and a lady name XXXX reached out. I explained that I had updated my ID to show the correct address to match the application. She researched and confirmed that if I mailed a copy of my new temp ID with the correct address then my application could be completed. I overnighted the copy of the ID, and gave XXXX the tracking number showing they had received it. That was received in early XXXX, nearly a month into this process. Since then they can not locate my copy of ID that I overnighted and delivery was confirmed on. Therefore they have not completed my application. XXXX has no answers and she has acknowledged they have no idea why they can not locate the mailed copy of my ID, and where my personal info is being stored after they received it.
02/14/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • PA
  • 195XX
Web
I lost my job after all government funded programs from the stimulus bills and everything else have ended in XX/XX/2021. I at that time had a credit score of XXXX I now have a credit score of XXXX. I have a total of six credit cards they were taken out to rebuild my credit which I did when I had a good job paid them all 100 % on time and in three months time of not being able to pay none of them would lower my payment would take a partial payment or just stop the interest from building. So now I am totally screwed and 8000 and {$400.00} in debt unbelievable. And I waited for my unemployment for 23 weeks so I couldnt even pay the minimum when I was fired from my job unfairly I might add which I finally won the case of unemployment after 23 weeks of no money from any of you. I will list the credit card companies I dont think it really matters because whos going to pay my {$8000.00} back it sure aint gon na be Pennsylvania. 2cards -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Card Services is a disgusting company that would literally take your last dollar and leave you on the street thats genesis card services whoever owns that should be I dont know put away for just being a thief to low income people. {$8400.00} is my now total owed. Do you know what it is before I got fired 2160 bucks thats what it was and now since I got no unemployment for weeks and lost my job unfairly I owe over {$8000.00} that is disgusting in this country and I paid every bill on time so I could build my credit to a 700 from nothing I started at where I am now 400 this country makes me sick with that stuff.
08/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44052
Web
After reviewing my credit report, I noticed this company has been illegally reporting information to credit bureaus without my consent ( Credit Utilization ). This is an invasion of my privacy and against the law. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
08/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44052
Web
After reviewing my credit report, I noticed this company has been illegally reporting information to credit bureaus without my consent ( Credit Utilization ). This is an invasion of my privacy and against the law. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
06/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NV
  • 89044
Web
I opened an Indigo credit card from a XXXX XXXX suggestion back in early XXXX, I believe XX/XX/XXXX. They shipped my card and I received it around the XXXX of XXXX of XXXX. I read the terms in the envelope and there is a provision stating that I can pay off the balance after using the card and cancel it prior to my first statement closing and avoid the annual fee of {$75.00} on a card with a {$300.00} limit. Understanding that I activated the card around XX/XX/XXXX so it would be reasonable for the first statement to cycle on or around XX/XX/XXXX right? ... Nope. The closed my first statement within FOUR days of activating the account/opening the card. So as of XX/XX/XXXX my " first statement was issued '' circumventing the terms we agreed to and nullifying that provision locking me into being responsible for the {$75.00} annual fee. I didn't want the card and was planning to pay it off and cancel it prior to being opened for 30 days, but of course these subprime credit cards that should be illegal have figured out back-doors to the law and started with this type of unfair and potentially fraudulent behavior. These actions for them to do this is exactly why the Dodd-Frank Act was passed. I wish for Indigo to close my account, refund the {$75.00} annual fee along with any other fees or interest charged and of course delete the record from all bureaus. They are intentionally closing statements as soon as the card is activated to avoid consumers exercising their rights. PLEASE CFPB see what they are doing and hold them accountable. This is no different than many bank behaviors that led to XXXX.
11/04/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • NY
  • 14612
Web
XX/XX/2023 I signed up for credit protection program with Indigo and Destiny credit card. Credit limit of {$300.00}. In XX/XX/2023 I was unemployed, I applied for the credit protection plan and the company continued to state that I was not within the 30 day consecutive working period to qualify. I did file a complaint with CFPB and I received a response from the company but as of now I do no see it stated as a complaint with CFPB. I responded to the company stating and citing that their terms were ambigious. They are saying you have to work 30 consecutive days in order to apply or qualify for the program. I was 22 days out of work and applied they denied my credit protection understandable I applied again in XXXX and XX/XX/2023 I believe still was denied. The compnays terms does not state you have to be EXACTLY out of work 30 consecutive days not one, two, three, etc. days or but exactly 30 then apply. If you are not 30 days exactly out of work they will not honor your credit protection. Meaning if at midnight on the 31st day and you apply they will not honor their credit protection program Which i stated will cause the consumer to be late, their company can and did in my case charge very high late fees totally {$80.00} for one late fee charge and this goes against your credit and credit score and is a tumbling block of financial disaster and the only person gaining in Indigo and Destiny because now you are forced to pay these extra fees to get your credit settled. When in fact ( as I explained in my letter ) they could have accepted your claim on day 30 exactly and honor their program.
12/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NJ
  • 07060
Web
I have been a cardholder with Genesis FS Card Services ( Milestone ), as well as Destiny Card ( which I closed the account ) for over a year. I've called several times over the year, including my latest date XX/XX/XXXX to apply for Credit Protection ( a service they offer ) and I keep getting different responses as to why I can't apply. The latest is that I would have had to apply for this service on my initial credit card application, and that you can't take out this service afterwards. I asked XXXX ( ID # XXXX ) could she send this to me in writing, since it's their policy, because I keep getting different answers. She then put me on hold & asked her Supervisor ( XXXX ) ( who would not give his ID # ), and the response back to me was No, I can't get anything in writing supporting that policy. I also asked about a hardship program over the years and NEVER. They always say they have no hardship programs available at the time. I've been out of work for ( 2 ) years with health issues & had XXXX XXXX last XX/XX/XXXX, with a 2nd upcoming XXXX and this company offers no hardships & no way for me to protect myself as a Consumer with a service they have/offer, but state that it is only offered on the credit card application, ( in which I did not see ). I've never heard that a company has a service available to its consumers that you can only apply upon opening an account. This is why i paid off & closed the Destiny Card account & I'm trying to pay off this account so that i can close this one too, because this company is NOT in business to help their consumers in ANY way ... ... PLEASE HELP!
04/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 770XX
Web
In XX/XX/XXXX, an account from Milestone Credit Card ( XXXX XXXX XXXX ) was placed on my credit as a closed account. I was unaware of where this credit card had come from as I do not recall ever opening it. I never received any letters notifying me of this account or that it was scheduled to be closed. Upon realizing that this account existed nearly 5 years later, I contacted Milestone/Bank of Missouri to inquire about the account. I was told that it had been charged off and sold to XXXX XXXX. After calling XXXX XXXX I was told that they had sold the debt to XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( See attachments ) stating that if I fulfilled a settlement for the debt, they would delete all records and tradelines of the debt from each credit bureau. I fulfilled the settlement with XXXX on XX/XX/XXXX, and would like for this debt to be deleted. This debt has caused an immense amount of undue stress to my livelihood. In XX/XX/XXXX I was hoping to acquire a job with XXXX XXXX to continue to grow in my career field, however, the blemish on my credit report caused me to be unqualified for my dream job. Additionally, my now fiance proposed on XXXXXXXX XXXX XXXX and as we begin to look for our dream home, I am afraid to apply for a mortgage for fear that we will be turned down or offered unsatisfactory terms due to this debt. I've done my best to correct this error by reaching out to the bureaus in dispute as well as the creditor but have received no results. It simply is not fair that I paid the settlement for this debt and the contract agreement is not being met.
08/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • OH
  • XXXXX
Web
I have opened a credit card with Milestone MasterCard issued by The XXXX XXXX XXXX and serviced by Genesis FS Card Services. I opened the account XX/XX/2022 and closed it on XX/XX/2022. I made XXXX purchases totaling {$45.00} and there is XXXX fraud charge of {$220.00}. The current balance due is {$170.00}. I havent even had the account opened a month and they refuse and wont refund me any of the annual fee. How is it fair that I charged only {$45.00} to the account and then I have to pay thier fees in addition. THIS COMPANY IS A JOKE, THEY STEAL FROM YOU, THEY LIE, AND DECIEPT YOU. THEY ARE THE BIGGEST SCAM OUT THERE. I will pay back {$45.00} that i used. But i am not paying back {$120.00} annual fee to an account i closed less then 30 days ago. I closed it because the rep misinformed me and lied to me and said that my fraud charge made would not be adjusted for 60 days and that i would have to make do with {$100.00} available thats left on the card. They sent me a new card ending in XXXX. I have yet to recieve it. I asked to have the card reinstated and they wont re-open it. So why should i have to pay {$120.00} for annual fee on {$45.00} and a card not open for not even a month. This is pure inconsiderate and intent of harm done to a customer. It would be different if the account was remained opened or re-opened. But im not paying {$120.00}. I will contact a lawyer if they try to turn the {$120.00} in on my credit and send my account to collections. I will file a lawsuit. If they try and tarnish my credit score of a XXXX +, I will pursue them to the fullest extent of the law.
09/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TN
  • 37128
Web
Since the life of the card, I have had numerous issues making payments with this company. I have attempted to make payments to this company from two different banks & bank accounts to no avail. This company claims my banks are rejecting them, however my banks state that they never received the request. After that didn't work, I made payments with XXXX and still had issues with this company. They call multiple times a day and they don't seem to care that they are breaking the law with their collection practices. They have charged {$40.00} each time this has happened for late fees. This fee I have incurred multiple times even when it was paid by XXXX in advance. They have charged over the limit fees of {$29.00} & {$35.00} after they caused the account to be over the limit by adding late fees or the {$100.00} membership fee, I was unaware of. This company makes it almost impossible to get your cards paid off because of the fees. I am afraid to answer my phone because they call multiple times a day even after they have left messages and they spoof other businesses numbers to get you to answer the phone. Even after paying almost {$400.00} in fees this month, they are still calling and requesting more money. This company has made my life miserable, and I want them stopped. I currently have 3 cards with them ( Destiny XXXX, Milestone XXXX, and Indigo XXXX ). Both myself and my wife have spoken with this company to rectify this situation and they are either extremely rude or they are not helpful with this situation. I have even been threatened with court proceedings from this company.
05/17/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28269
Web
Mutiple Dispute letters sent to Genesis FS Card Services from XX/XX/2022 - present certified mail in reference to obtaining general disclosures and reporting options. By law 15 USC6802. Obligations with respect to disclosures of personal information XXXX XXXX are to provide each consumer XXXX different disclosures before reporting to a Non Afflilated third party. In response from Gensis FS in XXXX they asked can I explain what I need help with and each letter sent clearly stated what I the consumer was asking which is by law my right to have the option to disclose my information to non afflilated third parties. Gensis FS has failed to comply with 15 USC 1638 credit cards fall under truth and lending and there are alot of disclosures that are suppose to be given to me allowing me to know my consumer rights with this company. Since I started my disputes in XXXX my Utilization for both accounts are being reported incorrect to all three Consumer Reporting Agencies ; putting me over my utilization limit for each account. Trying to obtain credit with my credit cards being reported incorrectly to Consumer Reporting Agencies is damaging to my character. These companies withhold information from the consumer of what there consumer rights and really hold fast from allowing the consumer to exercise there rights. Gensis FS Card Services policy to report any information other than the line of credit that was extended is only applicable if all disclosures have been made by law and there are a lot of disclosures along with 15 USC 6802. Accounts with XXXX XXXX XXXX XXXX Destiny Card XXXX
09/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 387XX
Web Servicemember
n accordance with the fair credit reporting act, ( XXXX XXXX Account # XXXX ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31904
Web
15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX STERLING JEWELERS INC/ XXXX XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
04/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • VA
  • 23456
Web
I received two letters, both dated XX/XX/23 from Genesis FS Card Services about a Destiny Mastercard Account. One says thank you for updating your address, the other says the account is temporarily blocked and asks me to provide identify verifcation such as faxing a copy of my drivers license. I wasn't sure if this was a phishing scam or if someone opened a card fraudulently in my name. When I first tried calling, the number prompted me to enter my SSN to proceed, which I refuse to do. Today after looking at their website I was able to call another number and as I sat listening to the prompts for SSN repeat, it then gave me the option to connect with an agent without putting my SSN in. However, then the agent asked for my SSN ( nope ) and claimed she couldn't find an account based on name, address, and last 4 of the account stated on the letter. Then when I asked for the fraud department they found it. However, they won't tell me where or when this was opened or if it's a store card or anything. They opened a fraud investigation but won't give me a case # just the agent name and #. They don't have an email address I can communicate with in writing, only a XXXX XXXX or Fax #. On XXXX XXXX XXXX, there are several complaints of similar incidents happening. CFPB needs to investiage whether this is a scam trying to get customers to open a credit card with them, or a phishing scam, or if there is rampant fraudulent practices going on with people opening fraudulent cards with this company. I have not seen a pull on my credit, which I would expect when opening a card.
10/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CA
  • XXXXX
Web
FIRST I WANR TO START BY SAYING CFPB HAS CLOSED ALL COMPLAINTS STATING ITS A DUPLICATE AGAINST XXXX XXXX ... I TOOK A SCREEN SHOT OF THE COMPLAINT WHERW XXXX SAID XXXX XXXX XXXX ON THE CASE AND XXXX CLOSES IT. XXXX XXXX BEEN RESOLVED COMPLAINT : I currently have a credit card with XXXX XXXX card and they sent me a email to apply for a second card. I faxed a copy of my social of license so they can know my identity and know that I was the one applying. So I was surprised to see a denial letter because my identity could not be identified through XXXX. I would like XXXX to work together with Destiny XXXX card to get this resolved so my application will be approved. What ever is needed outside of me sending my ID and social I'm willing to provide. In addition to XXXX being aware my identity was already identified for my current Credit Card I have through XXXX. I attached the denial letter XXXX complaint I currently have a credit card with Destiny XXXX card and they sent me a email to apply for a second card. I faxed a copy of my social of license so they can know my identity and know that I was the one applying. So I was surprised to see a denial letter because my identity could not be identified through XXXX. I would like XXXX to work together with Destiny XXXX card to get this resolved so my application will be approved. What ever is needed outside of me sending my ID and social I'm willing to provide. In addition to XXXX being aware my identity was already identified for my current Credit Card I have through XXXX. I attached the denial letter XXXX complaint
11/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 85022
Web
I called my Indigo Platinum Card to ask why I had 18 charges from XXXX XXXX XXXX & XXXX XXXX for XXXX & XXXX? I've NEVER been on XXXX & ordered anything, EVER. And in addition for each XXXX charges, they have also attached an additional charge of $ XXXX-XXXX, for each charge " they claim '', is from the merchant?!?!? These charges ARE NOT on my statement or DISCLOSED ( the only reason I figured it out was because there is a XXXX available balance when I just made a {$200.00} payment & the limits only {$300.00}. The customer service guy sounded foreign & refused to tell me if the vendors are out of the country? He said he could not see that information, I told him hes lying, I have other credit cards & I know he knows. Personally, I think its an inside job & they are paying themselves with peoples credit cards & then writing it off after the 30-60 days for its being sent to the fraud department for investigation. I told them if my card is charged for $ XXXX-XXXX fee for each transaction, it has to be disclosed on my statement & its ILLEGAL, they cant just hide the fees & not tell me what its for or where it came from? I want this investigated immediately. These people are scamming big time. I told them I'm no accountant, but a {$200.00} payment on a {$300.00} card doesn't equal a credit line of {$.00} cents. Personally, I haven't used that card in months & I think they counted on me not looking & noticing there where charges.I closed the card down & the complaint was sent to the cards fraud department ( like that matters, it was probably an inside job ).
10/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • VA
  • 23453
Web Servicemember
I have applied for the SCRA Civil Service relief Member Act ) benefits under the key provisional state law of OHIO as that is my home of record and I am a military spouse. I provided all of the documentation needed for the process ( military orders, LES, marriage license, proof of HOR, etc. ) I sent in my initial request via fax number based on the number given by a representative in XXXX and followed up weekly via phone call. I provided a letter in my request with specific account information and that to review the eligibility under OHIO code as it is different than the Federal code. Each follow up call lead to more frustration as no representative, including supervisor staff were educated on the SCRA benefits. I was told different information each time. I was then told I was denied because of XXXX XXXX service member date was before the account opened. Again, I requested my 2 accounts be reviewed again because Ohio law states even DURING the XXXX XXXX period. My spouse is STILL XXXX XXXX. I was denied again and told that Ohio is not a Key provisional state which is not correct. The company needs to train their staff better on this topic and I have not received the benefits on my 2 accounts that I am entitled to receive. Also, not to mention when we submitted this request, 2-3 days later, my husband received a credit alert stating that 2 new cards were applied to his credit report FROM THIS COMPANY! SO NOW HE IS ALSO A VICTIM OF IDENTIFY THEFT. Genesis FS Card services has horrible customer service and does not honor their military service members.
12/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Trouble using the card to spend money in a store or online
  • GA
  • 30045
Web
Genesis FS services refuses to remove the block that has been places on mydestiny card account. Account has had block prohibiting me from using it block was supposedly for a returned payment from my bank account that was forced to be closed by institution due to unauthorized activity on my account. The returned payment on questions was a additional payment submitted in error after a duplicate payment was entered and despite several attempts to rectify those matter Genesis FS card services refuses to remove block. I had additional made several payments to mydestiny card accounts eventhough no minimum payment is due and credit limit well under 50 % utilization.in additional to not being able to access my credit I have been discriminated against after previous complaints regarding mydestiny card card and Indigo credit card both owned by Genesis FS card servicXXXX and because of complaint submitted against Genesis FS card service. Genesis has closed my Indigo credit card account with out any notices or verified reason and has blocked mydestiny card despite account being in good standing this proves discriminating and retaliation against a consumer exercising consumer protection put forth to protect consumers from the bias and unjust practice from creditors that I am currently experiencing and I would like to respectfully request this complaint to be made available even if just for a reference in order to strive for the protection and obtain unbiased credit instruments design to help uplift our society amd justice for which it stands
03/29/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33782
Web
In late XXXX I noticed a charge that wasn't authorized. I contacted Destiny card customer service to report it and they closed my card without even asking me. I asked if that is their company policy to close down cards customers dispute unauthorized charges on? Representative stated yes. About 45 days pass and I never received a replacement card. I called them to find out what was going on. They explained it can take 6 weeks and I said that's about how long it has been. I looked at my on line account and my XXXX statement had a unknown address on it and I never changed it or gave anyone permission to do so. I've been living at same address for years. The rep said they would correct the address and send out a new card. I waited over three weeks and my card never came and I also started receiving e-mails about my payment being due. I called again and complained that I still have no card and I have no statements and my online access shows no balance or payment due. The rep checked my account and agreed that no payment was due. He verified my address and it was the same address I told them I had no knowledge of. This rep told me it would be corrected for sure this time. The very next day I get a credit monitoring call from XXXXl XXXX about XXXX receiving a delinquent credit card payment report from Destiny AKA Genesis Financial. I logged onto my XXXX XXXX account to discover my credit score had dropped XXXX points in one day because of this creditor. I thought the fair credit billing act made what they are doing to me illegal.
10/06/2022 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • MO
  • 65201
Web
I was charged for dental services I never received. I canceled the appointment but the credit company charged me for the services even before the appointment, refused to remove the charge from the credit card and close the account. I never wanted the card. I feel the dentist forces the process on the patient under duress situations. I scheduled for a routine cleaning and was charged for something totally different. I contacted the company to resolve this debt and was informed that it was a medical debt that was given to a third party without my permission. This HIPAA covered entity and their business associates shared my medical information without my permission or having signed a medical release. My privacy has been violated, security and records have been breached. I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this contract is valid. Please stop reporting this violation to my credit report until this has been fully validated. I did not give consent to have my private, medical info shared. The HIPAA covered entity provide debt validation for the bill in question. Please provide a breakdown of all itemized costs. Copy of my signature on a release showing that I gave permission for my information to be shared. Affidavit under the penalty of perjury that you have not violated my HIPAA, FCRA, FDCPA rights have not been violated.
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48237
Web
Privacy Act of XXXX ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of XXXX Furthermore I was not given notice to make the decision of opting out of the disclosure. Every company owes you a privacy notice before they furnish any information to the consumer report. XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.
03/19/2022 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • XXXXX
Web
CB INDIGO/GF XXXX XXXX INDIGO - XXXX XXXX XXXX XXXX CB INDIGO XXXX XXXX I recently verified my latest credit report and I noticed that you have reported late payments on this account. I have previous credit reports from the above-mentioned agencies that reflect my account accurately as paid on time and I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA. FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( B ) Time of Notice ( i ) In general. The notice required under sub-paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08638
Web
I've contacted CB Indigo several times regarding the late payment that's being reported on my credit report. The reporting of this account is a violation of the following : 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 5 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 6802 ( b ). ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
02/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • 19104
Web
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
03/16/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • XXXXX
Web
I made a payment on XX/XX/XXXX and scheduled for XX/XX/XXXX which was the due date. You did not process payment nor did you note on my account but I have my email confirmation. Not only that you charged me XXXX late fee for YOUR MISTAKE. This happened in XXXX as well. I am not sure what your system problem is but for your mistakes you have now charged me XXXX in late fees. I had to make my payment again in XXXX when I noticed you did not process again and I paid on XX/XX/XXXX since my XX/XX/XXXX payment never processed. Now XXXX same issue and you have been causing financial and credit reporting harm because of your system issues not mine. I call in and no one will help. I called in this morning and spoke to a XXXX at XXXX am. She was extremely unhelpful. I gave her all the information and she said she could do nothing. She can not do anything about late fees that were applied incorrectly and then just kept me on hold. I asked for supervisor after 20 mins of XXXX just repeating her canned script and not knowing anything or being helpful. A supervisor never answered and I stayed on hold for another 40 mins!!! This is ridiculous. I am sending copied of this to the CFPB and FTC as well as all credit reporting agencies since you can not fix your system or payments and then keep charging me FEES FOR YOUR ERRORS!!!! UNBELIEVEABLE. Fix your customer service as it is by far awful. I can tell it is people that most likely do not work in the US and just use a script and are unable to actually do anything
05/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • GA
  • 30315
Web
Hello this is a ongoing matter for 2 months approaching 3 by the time you guys get to this complaint, I rented a car back in XXXX with XXXX car rental in XXXX ga, there was a XXXX. However the car ended up being XXXX, which was paid with the same credit card.,. However the XXXX was never returnt from the merchant, I called and discussed with destiny card services the XXXX was credited to my account XX/XX/XXXX but for whatever reason the charge was reversed back to my card on XX/XX/XXXX. Putting me over my credit limit the credit company ( destiny ) went and back dated my report as over the credit limit and dropped XXXX points, they have acknowledged the mistake but had yet to fix or repair the incorrect reporting to my credit!! Now all I a getting is hang ups and transfers they keep closing out the card as fraud just dont understand why. This matter has affected my stability, I cant get approved for a apartment I have been living in a hotel because of my debt to income ratio!! XXXX car rented authorization XXXX XXXX car returnt authorization XXXX XXXX XXXX credited back to me XXXX XXXX charged back to me XXXX received letter from card issuer of reversal with included a detail letter from the merchant that validates what I said happened XXXX card issuer reported over credit limit for 2 months ( 60 days ) XXXX credit score dropped XXXX points XX/XX/XXXX no resolution no response to certified letter sent no credit back of XXXX and no report opened for incorrect data on my account
02/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • XXXXX
Web
I noticed this debt in the amount of {$890.00} being reported on all 3 credit reports. I disputed the information with XXXX as this agency is used to pull with potential future lenders. In any event I am NOT responsible for this debt owed as it is due to identity theft. GENESIS FS CARD SERVICES responded to my dispute by USPS mail on XXXX XXXX XXXX and requested I send over a filed theft report online at XXXX This has been completed and the reference # is XXXX... this report can be viewed at any time.I also filed a police report regarding this matter. I then noticed that this account has ben transferred to XXXX XXXX XXXX. A debt collection agency. I spoke with a representive today at this aw firm that indicated that my account was sent to them on XXXX from th merchant. XXXX XXXX XXXX then sent this account over to XXXX XXXX XXXX a sister company to them as a debt collection attempt. AGAIN I DO NOT OWE ANY DEBT FROM THIS CREDIT CARD COMPANY> I ave been a victim of identity theft since XXXX. Someone stold my wallet from my purse and gained access to all my personal information including my CA ID my social security card, banking information etc. This agency DID NOT PROTECT MY IDENTITY. I am asking that you REMOVE THIS DEBT ACCOUNT AS IT IS FRADULENT. I have contacted XXXX XXXX XXXX TODAY the account # XXXX. Please do right and remove this account from reporting debt that i do NOT OWE from XXXX XXXX and XXXX. Thank you. Feel Free to contact me at XXXX or email me back at XXXX XXXX
04/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • OH
  • 45044
Web
Hello I had previously submitted a compliant against Indigo/ Genesis FS Card Services regarding fees and interest in excess and their unwillingness to work with me. Since my last complaint filed I requested for them to no longer call me because I was receiving multiple calls from different numbers all the time and they knew my situation. I am currently the only one employed in my family and sole provider. I have not made a purchase on the credit card in years and the balance continues to go up because it was over the limit and behind. Due to Covid and family illness my Husband lost employment and we fell behind on several bills. The fees keep pushing the balance up and making it harder to pay them anything to stop the increase each month. They will not stop over limit fees or late fees if you do not pay at least the minimum payment. I can not afford even that. At this point I am trying to avoid a charge off hurting my credit even more so I continue to try and make small {$40.00} payments but this does nothing to help reduce the balance. Further more I received a letter from Genesis FS Card Services dated XX/XX/2022 and it states they will waive two late fees and they will discontinue further calls per my request. Since this date I have still received multiple phone calls voicemails. ( Number - XXXX ) While they are waiving two late fees, if they total the fees on this balance one would see most of what is owed is ALL fees. This is beyond abusive to the consumer.
01/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • XXXXX
Web
On or about XX/XX/2023, I received a suspicious email from XXXX XXXX XXXX XXXX XXXX, a debt collection agency in XXXX XXXX, CA. The email stated, " Welcome to XXXX Your XXXX XXXX XXXX account has a new home. As a new consumer, we'd like to offer you an opportunity to discuss flexible payment options, including bi-weekly payment options, to resolve this account. '' It indicated that the account was transferred from XXXX XXXX XXXX ( original creditor ) to XXXX XXXX XXXX XXXX XXXX ( servicer and owner ) with a balance due of {$930.00}. However, the notice failed to include notifications required by 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ) and FDCPA 1006.34-1006.42. On XX/XX/2023, I received another electronic notice from XXXX XXXX XXXX XXXX XXXX escalating their debt collection practices. The email was a pre-legal notification stating that if I failed to pay by XX/XX/2023, " XXXX XXXX XXXX XXXX XXXX is considering forwarding this account to an attorney in your state for possible litigation. Please make arrangements to resolve your account. Once you have completely fulfilled your payment arrangement, you will be released of the obligation. '' The notice did not include required dispute disclosures. In addition, it is suspected that XXXX XXXX XXXX XXXX XXXX has been placing harassing phone calls since XX/XX/2023, through a blocked number ( " unknown caller '' ) to avoid dedication. Approximately XXXX days after the electronic notification on XX/XX/2023.
03/28/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • MO
  • XXXXX
Web
Genesis Financial d/b/a Genesis FS Card services has failed to properly apply the proper payment to the account. I XXXX ; XXXX XXXX, has sent an endorsed instrument to the payment center as well as the CFO with instructions on how to apply to the account. Genesis FS Card Services has failed to send any notice of dishonor as required by U.C.C. 3 - 503. 12 CFR 411 states that Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. Genesis FS Card Services is engaged in unauthorized use [ means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ] of my credit card [ defined as any card, plate, or other single credit device that may be used from time to time to obtain credit. 12 CFR 1026.2 ( a ) ( 15 ) ( i ) ] as they are receiving access to my credit but requiring me to go beyond endorsing my instrument which benefits me none. I am aware that 18 usc 8 means all debt is the obligation of the US and Genesis FS Card Services is fraudulently demanding payment and threatening to close my account which counts as adverse action. Full penalty will be pursued for failure to comply with truth in lending act.
09/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28390
Web
Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$2500.00} Credit Limit High Credit {$2500.00} Available Credit Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And never use this!!! Reported Balance {$75.00} Credit Limit {$300.00} = Credit Utilization 25 % 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 % Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$75.00} Credit Limit {$300.00} High Credit {$75.00} Available Credit {$220.00} Account Dates Date Opened XX/XX/2022 Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact For questions regarding this account please contact : INDIGO - XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX and this one also
01/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NJ
  • 07080
Web
7 months ago I had an error where I couldnt access my online banking. This was stated to be a browser issue but was never stated to me until they jacked up my credit and hit me with late fees that is out of my control. I was locked out of my account and attempted to explain this to them. They offered help at first but never fixed the issue. On their end, they cant see the issue and being that there is a lot of fraudulent activity with cyber services and was locked out of my account I refused to give them every single bit of information ( social security, etc ) I attempted to resolve this with them multiple times and are still until this day are offering no help to resolve the issue. I made every attempt to solve this and my next action is obtaining a consumer attorney and filing a civil lawsuit at whatever cost because they are not an ethical company. I figure Id tried hear first. The company I am dealing with is FS Genesis Card Services. This company should not be legally allowed to offer any kind of financial service to anyone. I have had multiple employees from FS Genesis Card services acknowledge the wrongdoings and still offer no help. These calls are of course recorded for quality assurance. The comical aspect of all of this I have another credit line with their company with every single payment made on time : ). Any license XXXX XXXX holds should be revoked along with the other executives of this extremely fraudulent company.
09/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28390
Web
Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed 3 Activity Designator Terms Frequency MONTHLY Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$2500.00} Credit Limit High Credit {$2500.00} Available Credit Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And never use this!!! Reported Balance {$75.00} Credit Limit {$300.00} = Credit Utilization 25 % 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 % Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$75.00} Credit Limit {$300.00} High Credit {$75.00} Available Credit {$220.00} Account Dates Date Opened XX/XX/2022 Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact For questions regarding this account please contact : INDIGO - CELTIC BANK XXXX XXXX XXXX XXXX XXXX XXXX and this one also
07/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80909
Web Older American
My wife and I have received numerous phone calls from GenesisFS Card Services over the past XXXX weeks. We blocked them as scam calls. On XXXX XXXX we received a letter dated XXXX XXXX stating that {$780.00} on a Milestone Mastercard Account ending XXXX was outstanding and demanding payment of that amount. Neither my wife nor I have had an account with Milestone Mastercard. WE only have XXXX XXXX issued in early XXXX by Bank XXXX XXXX. On checking my credit rating in XXXX XXXX, I find that my excellent XXXX rating ( last time I looked ) has dropped on XXXX XXXX XXXX and XXXX with XXXX XXXX This unknown-to-us credit card account, which supposedly had a {$300.00} credit limit and a reported balance of {$780.00}, was apparently closed by XXXX XXXX XXXX on XX/XX/XXXX XXXX for being 30 days late, owing {$89.00}. But the description on XXXX shows payments were supposedly made in XXXX and XXXX. So none of this makes sense, which is hardly surprising since this is a fraudulent attempt to get money from us ; the letter offers many ways to pay by phone or online. That I can ignore. However, it has impacted my credit rating and that is against the law. We have searched GenesisFS and see that there are a number of people who have been similarly scammed, but they don't mention credit ratings being impacted. I am XXXX XXXX XXXX, XXXX and not well. My wife is dealing with this on our behalf. We hope you can help. Thank you
07/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CA
  • XXXXX
Web
I applied for the Destiny credit card issued by First Electronic Bank and provided the documentation they requested to verify my identity, when I called to ask about the application status. I received another request over the phone to supply a utility bill for identification, even though there was no written request for this information, had I not called I would have not known about this missing information. The process took more than two weeks. I then received an email on XX/XX/XXXX letting me know that my application was denied, because " Unable to contact you per alert on your credit report. '' They called ONCE, and I missed the call, and they made no further efforts to contact me again, or to leave a voicemail so that I was aware they were trying reach me, and I was unaware what number they would be calling from as well. I had also called them multiple times to verify my information, from the number listed on my fraud alert. This organization is not following the law and complying with fraud alerts adequately. A fraud alert is a security measure consumers can take to protect their personal information, requiring proper verification of credit inquiries. These inquiries should be properly handled so that fraud alerts can protect both banks and consumers, and should not be used as a reason to deny applications or discriminate against these applications that require lawful measures of security and protection.
05/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • LA
  • 71111
Web
Received letter dated XX/XX/2023 from Genesisfs card services stating there was a balance of {$75.00} on a DESTINY Mastercard which has been put on a temporary block. I originally thought this was a scam, so I didn't call any numbers. Then a week later, I received an actual credit card in the mail that said I had a {$300.00} limit and need to be activated. Several days later a credit card statement arrived with a balance due of {$76.00}, which is made up of {$75.00} annual fee + {$1.00} credit protection fee. This had a due date of XX/XX/2023. We called the number on the statement to report that we had not opened this account. It was the weekend, so they gave us the fraud phone number to call on Monday. On Monday we were unable to get through due to hold times for available representatives. Then a few days later, we received a letter dated XX/XX/2023 stating they investigated claim of identity theft and would remove inquiry and account from credit bureaus. We researched this company on-line and found multiply complaints of people having the same issue and same dollar amounts and it never closed or removed from credit bureaus. We called today and spoke with 2 representatives. They pulled our account and would never confirm there was identity theft, fraud, or even if the account was closed. Again after reading so many complaints about this company and similar situations, we decided to come to you for help.
07/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22033
Web
On XX/XX/2022, I had received a robo call from Genesis FS card. I had ignored the call by not answering it or acting on it because I did not open an account with Genesis FS card. I received an alert from XXXX XXXX about an account that was a new card opened. I discovered that Genesis FS card had an open account with a credit limit of XXXX. There was XXXX balance on the account. It was treated as a new account that opened on XX/XX/XXXX. 2022. I did open a new account through XXXX XXXX services with XXXX with a credit limit of XXXX. I never authorized any account with Genesis FS card. I had called their consumer account number XXXX to close the account on XX/XX/2022. It required me to validate my account with my last 4 digits of my social security card. There was no option to close an account via the menu and required me to contact them during business hours XXXX XXXX time. I have disputed this account with XXXX today. When I filed my dispute with XXXX, the number that I called for Genesis FS card did not require me to enter my last 4 digits of social security number. My concern is now that my action to make sure that the account is closed and purchases can not be charged to it may appear as if I had authorized the account electronically when I have never authorize opening this account. I believe this is a potential issue with XXXX XXXX allow session cookies being reused to open this account.
06/12/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OK
  • 731XX
Web
Between XX/XX/2022 and XX/XX/2022 XXXX fraudulent {$100.00} XXXX charges were placed on my Indigo Platinum Mastercard in XXXX XXXX, California. ( I do not reside in or near that state nor had I traveled there ). I hadn't used that card in almost a year, and I had fully paid it off. I noticed the charges when I received a statement balance in XXXX. I contacted Indigo Master Card to report the fraudulent charges, they told me they would note my account and submit the report to the fraud department, as well as close my account. They reported the investigation could take up to two months to fully complete. In XXXX I noticed despite the pending fraud report, they had reported a missed payment for the charges that impacted my credit score. Customer service reported that nothing could be done on their side until the investigation cleared and to reach out to a credit bureau. In mid XXXX, I still had not heard from them or seen changes to my statements, so I had called service for an update and they stated that my account had never been noted. They stated that the fraud department had closed my account so the investigation must still be pending, but there was no timeline on when I could expect it to be completed. The missed payments being reported are destroying my credit score, and after reporting them to XXXX it showed only XXXX 's to be cleared, and I still have a 90 day past due balance.
08/09/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Company closed your account
  • MA
  • XXXXX
Web Older American
I had purchased furniture from XXXX and XXXX. They use genesis financial services. When I received my account in the mail, I went to put in an online account. It would not take it I called. XXXX and XXXX had entered the correct Social Security number. I have verified that it was somebody on genesis side that had put it in incorrectly ..They said that I had an incorrect Social Security number. They said the only way that that could be rectified is if I sent in a copy of my drivers license and or a copy of my Social Security card I received a letter on XX/XX/XXXX. I did send in a copy of my drivers license along with a copy identifying me in my account then on the XXXX I received another XXXX stating that I had 30 days to send in my Social Security card I fax that over, that was the only way they were able to correct the error with my Social Security number. It was the last XXXX digits. I received a letter today stating they did receive it however, due to the inconsistencies of the last XXXX digits of the Social Security number, they closed my account. I have done everything that they had asked me to do and I find it appalling that they would just go in close my account. I did speak with a gentleman today who said that someone did try to call me on XX/XX/XXXX however, I never did receive a message if I had I certainly wouldve called back. Ive been dealing with this now for almost 2 months
01/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • TX
  • 79606
Web
I went to log in to Milestone ( link below ). When I logged in, I was prompted by an alert to enroll me in paperless statements ( which I'm certain I had already enabled ). When I clicked, " Accept '' it came up with an error page and to " retry ''. When I clicked retry, it popped up the exact same prompt as the enroll in paperless statements except that it had changed to " Enroll in credit monitoring service ''. It looked exactly the same and it wasn't until I hastily clicked accept ( since I was under the impression that I was retrying to enroll in paperless statements ) that I realized what it said. There was nowhere online to unenroll in credit monitoring so I had to call to cancel the $ XXXX monthly service it had just tricked me into cancelling. Luckily, they did not charge me for it yet. The representative took my call and I didn't have to explain. The tone of his voice sounded like " Another one of these ''. Like that was his job to take in an influx of calls about unenrolling people that had been tricked into the service. As this was a normal sign-in and wasn't repeatable I don't have logs or screen shots. - Tricked me into a credit monitoring service be bait-and-switch - Enrolled me and then made it inconvenient to cancel by calling ( a whole lot easier to enroll that cancel ) - Seemed that they knew of this practice when I called. https : //milestone.myfinanceservice.com
10/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • CA
  • 92307
Web
my name is XXXX XXXX. I am who I say I am and no third party is involved in this complaint. it has came to my attention that Genesis FS Card Services, who I entered into a consumer credit transaction with to obtain their XXXX XXXX XXXX, that is issued by XXXX XXXX XXXX has been benefiting from unauthorized use of my credit card by charging me every month so that I receive no benefit as stated under 15 USC 1602 ( p ). I am also now fully aware that I am the consumer and original creditor to this transaction in which a finance charge was involved. A finance charge is defined as the sum of all charges in any credit transaction that can not be paid in a comparable cash transaction pursuant to 15 USC 1605, But Genesis FS Card Services has repeatedly taken cash transactions from me. It has also come to my attention that my credit card with this company has not been balancing out every month as it should since this is in fact an Open Ended Consumer Credit Plan pursuant to 15 USC 1637. I am aware that Genesis FS Card Services is not only civilly liable to me under 15 USC 1640 for damages, but also criminally liable for willfully and knowingly giving me false and inaccurate information and can be fined not more than {$5000.00} or imprisoned not more than one year, or both. I will promptly begin litigation against this company if an equitable resolution can not be reached through CFPB
09/01/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IL
  • 601XX
Web
On XX/XX/2022, i applied for a XXXX XXXX XXXX account to consolidate my credit card balances. I was quickly accepted and the process began working with the credit card companies to get a monthly amount to pay that was acceptable for them. I was informed by XXXX XXXX XXXX that I was to keep my balances clear of fees while they worked on the acceptance program. My XXXX credit card was accepted immediately. While my milestone credit card took another XXXX months. On XX/XX/2022, milestone XXXX XXXX accepted an offer from XXXX XXXX XXXX. I paid my credit card bill for milestone every month and had no late fees. Once they accepted the information I was also informed that i didn't have to continue to pay that credit card bill as XXXX we're taking care of it. Fast forward XX/XX/XXXX, I have acuminated XXXX dollars in late fees and my credit took a massive hit. Milestone ignored the payment plan that they accepted and continued to charge me late fees. Now i don't think that it's fair in my case that my credit tanked XXXX points! All because of late fees that we're out of my control. i've worked with XXXX XXXX XXXX to resolve the problem and they've done everything that they could to get my account back to what it was. Milestone have told XXXX that they would fix my account and I've yet to see any real change. DO NOT GET A MILESTONE CREDIT CARD. Worst customer service on the planet.
10/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • GA
  • 30062
Web Servicemember
I applied on-line from a mailed pre-approval letter that highlighted no sign-up fees. After I received the card I called to activate it and there was already a balance of {$170.00}. I called customer service and stated I won't activate the card. They said they will close the card per my request and that " I will not be responsible for the balance. '' I week later I received the attached letter from the credit card company showing the {$170.00} balance stating that " if your account has a balance, you will continue to receive monthly statements. '' I called the number listed in the letter and spoke with " XXXX ''. After I told her about my conversation with another woman a week prior, " XXXX '' stated that that letter was already sent prior to my initial conversation. ( My initial conversation was on XX/XX/2021, which is the date of the attached letter. ) I requested a confirmation letter or email specifying that I am not responsible for the balance as promised from both conversations, but " XXXX '' said that if there is a balance it will be indicated in the next statement. So basically, " XXXX '' performed the typical creditor trickery of saying one thing and doing something completely different ; why would I receive another statement if I never activated the card, the account is closed and I am not responsible for the balance? For the record, I cut the card on XX/XX/2021.
12/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • VA
  • 23113
Web
I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered with my Concora Credit account. I have been a customer for approximately three years, and unfortunately, due to unforeseen financial challenges, I missed a payment in XXXX. To my dismay, I recently discovered that my outstanding balance has surpassed my credit limit by {$260.00}, despite my initial credit limit being {$300.00}. This has left me perplexed and concerned about the seemingly unfair practices in place. I find it difficult to comprehend how I now owe significantly more than my original credit limit. I understand the importance of meeting financial obligations, and I take full responsibility for the missed payment. However, the excessive overage on my account appears to be an unjust and burdensome practice. I was in the process of making a payment today to address my outstanding balance, but the exorbitant overage has left me feeling overwhelmed. I kindly request your assistance in investigating and rectifying this matter promptly. I believe that fair and transparent practices are crucial for maintaining a healthy financial relationship between consumers and credit providers. Your intervention in this regard would be greatly appreciated. Thank you for your attention to this matter. I look forward to a swift resolution. Sincerely, XXXX XXXX
02/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 90043
Web
In XX/XX/XXXX i was involved in the XXXX data breach and in XX/XX/XXXX after seeing an alert from XXXX I was a victim of identity theft. I also lost my wallet in Mid XXXX XXXXXXXX XXXX which caused further delays in getting a new drivers license and new debit and credit cards!! I did not find this information out until early XX/XX/XXXX at this time of course all of my accounts were compromised causing delays in payments Indigo mastercard attempted to retrieve payment and could not do so. Previous to this theft I closed this account and paid of this debt but the creditor stated that they do not take payment when authorized but can wait up to 3 weeks to collect funds during this time said identity theft took place I have filed a XXXX complaint about the late payment that was reported on my credit I have not had a late payment in 3 years on any of my other credit cards. I have requested through multiple agencies for this to be removed without any success because the company continually states that there were insufficient funds in the account but this is not true funds were in the account but the account was compromised. XXXX could not come to any resolution to this case. XXXX XXXX XXXX XXXX XXXX PROVIDES A SERVICE THAT MARKETS TRUST IN YOUR BUSINESS & BRAND This e-mail is to notify you that you currently have a new message with XXXX in regards to complaint # XXXX.
02/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85326
Web
I had a credit card with this company previously three or so years ago. The account was settled around 2019. I recently contacted the company to ask why reporting was still on my credit report for activity for a settled account. I contacted the company requesting for the tradeline be removed in good faith since the account was settled. They state their policy would not allow them to remove any tradeline. I contacted the XXXX asking to be contacted by the company regarding the situation and someone did so. Not sure the title or who they were but they called and basically said the same thing to me. Stating they report accurate information. As I informed them one of my cards was lost and it was still showing as two different accounts on my credit and they stated they could removed that account but they could not remove the settled account though it's not a remaining balance. I asked of the remarks for payments could at least be removed if they didn't want to remove the tradeline. They still stated no. So I basically paid the account in good faith for no reason. This company did not make it aware to me when settling I would not be able to remove the tradeline. This should have been stated. Also there is no reason to update the account of information when it has been closed. The lost or stolen card account shall be removed from my report if the other has still been showing
09/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32244
Web
I applied for financing with XXXX XXXX through this company and was approved for {$1000.00} for a procedure that was scheduled for in the future. I was not made aware that the dental office would be charging the entire amount that same day even though my procedure was scheduled for a later date. I should not have been charged until service was provided. I still have yet to have the procedure done and am carrying a balance which shows on my credit report as of today in the amount of {$820.00} when it should be {$0.00} balance. I've called XXXX three times and which I am currently on the phone with the fraud department and am being transferred to a " specialist '', however got transferred to a Customer Service Rep yet again. I received a call from them earlier today and not sure why but I keep receiving calls as if I'm late on a balance that shouldn't exist. Each time I've called I've been told that it is under investigation, it's been over two months, they state it takes 60 days for an investigation to be completed. The request was put in on XX/XX/18. I would like for XXXX to report the accurate balance on my Credit Report or either rescind this contract. When I requested information about rescinding this because of the lack to resolve this issue as well as lack of customer service I was told I couldn't flat out and I know that goes against my rights as a consumer.
12/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 14221
Web
On XX/XX/2021 I contacted Genisis FS Card Services/Indigo regarding fraudulent charges in the amount of {$300.00} which has impacted payment amounts, future credit, and credit scores. There were XXXX charges made to XXXX from my Genesis FS/Indigo Master Card. On XX/XX/2021, in the amount of {$100.00}, and on XX/XX/2021, XXXX charges in the amount of XXXX each made the total charges {$300.00}. All amounts were charged to my card ending in XXXX. Once discovered, this matter was reported to the credit card issuing company on XX/XX/2021. The credit card used for the transactions is no longer valid. I have never used XXXX services to purchase any items and never received any fraud alerts from the company. {$300.00} was transacted consecutively and as a customer of Genesis FS/Indigo, this activity was not routine according to my account history. However, the charges remain on my account and although the company states that I am not responsible, my minimum payment amount is higher due to the fraudulent charges, future credit, and credit scores have been affected. I am requesting the {$300.00} to be removed from my account while their investigation takes place. On XX/XX/2021, I made a minimum payment of {$40.00}. I have also contacted XXXX and shared my concerns regarding the fraudulent charges in hopes they will cooperate with the investigation to remove the charges.
07/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AK
  • 99705
Web Servicemember
Genesis FS card services has called me twice today. Both times I refuse to speak with them because I recently became a victim of identity theft and the company who is calling me does not match the name of the card I have and they wont say what card they are calling in regards to until after they confirm the person they are speaking with or the person states their name and verifies who they are looking for with what should be sensitive/secured data, when introducing themselves AND they keep calling from masked numbers. I have a Florida cell phone number but I live in XXXX XXXX Alaska, genesis fs card service is masking their calls with a XXXX area code ( Alaska ) and keep calling from different numbers even though they do not have any offices or head quarters in Alaska. I only answer local ( to my location ) numbers because of my children or the police because everyone else who is an Alaskan number can be saved in my contacts due to having one phone number they call from other than toll free numbers listed for customers to call. They also seem to only have people of XXXX or XXXX XXXX XXXX decent calling customers. And I dont know if they are in some boiler room in XXXX or if its really even my actual creditor calling being that they are using deceptive debt collection practices by masking their numbers and calling multiple times in one day, every day.
07/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AK
  • 99705
Web Servicemember
Genesis FS card services has called me twice today. Both times I refuse to speak with them because I recently became a victim of identity theft and the company who is calling me does not match the name of the card I have and they wont say what card they are calling in regards to until after they confirm the person they are speaking with or the person states their name and verifies who they are looking for with what should be sensitive/secured data, when introducing themselves AND they keep calling from masked numbers. I have a Florida cell phone number but I live in XXXX XXXX Alaska, XXXX XXXX XXXX XXXX is masking their calls with a XXXX area code ( Alaska ) and keep calling from different numbers even though they do not have any offices or head quarters in Alaska. I only answer local ( to my location ) numbers because of my children or the police because everyone else who is an Alaskan number can be saved in my contacts due to having XXXX phone number they call from other than toll free numbers listed for customers to call. They also seem to only have people of XXXX or XXXX XXXX XXXX decent calling customers. And I dont know if they are in some boiler room in XXXX XXXX if its really even my actual creditor calling being that they are using deceptive debt collection practices by masking their numbers and calling multiple times in XXXX day, every day.
08/10/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 27520
Web
on XX/XX/XXXX i signed onto Indigo CC ( Genesis FS Card Services XXXX XXXX XXXX XXXX OR XXXX. XXXX ) after receiving a notification for an annual fee that would be charged on this card. I had not used the card since XX/XX/XXXX and carried a zero balance. A new card was sent in XXXX of XXXX which i had never activated the card. When i signed on to site on XX/XX/XXXX i noticed over 8 fraud charges in the amount of {$200.00} where on the card which was NEVER activated. XX/XX/XXXX {$33.00}, XX/XX/XXXX {$15.00}, XX/XX/XXXX {$11.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$21.00}, XX/XX/XXXX {$15.00}, XX/XX/XXXX {$26.00} and XX/XX/XXXX {$13.00}. I placed a dispute on XX/XX/XXXX and received a letter on XX/XX/XXXX stating they found in favor of the bank. I contacted them again on XX/XX/XXXX and spoke to supervisor who also could see the card was not activated and entered a new dispute request. All when i am being advised it will take up to 60 days to resolve. As of today the dispute of the fraud charges have not been resolved and i have continued to make payments on the CC to avoid any issues related to my credit. I do not understand why they would not be able to resolve sooner on a card that was never activated and why they would not refund the charges while they investigated the charges. Their representatives are not knowledgeable and offer no assistance.
07/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 10310
Web
So for over the last 6 months. I've been having issues getting destiny Mastercard to accept my monthly billing payments I enter ( using XXXX XXXX XXXX account ). It says payment received an I get a receipt then like a week later it shows reversed. My account was closed due to : to many reversal payments reasonings ( insufficient funds ). But my bank statements can verify that every Friday there's money an that I do indeed have receipts indicating paid them reversed. This issue is still happening even though my account is closed due to error on their behalfs. I accepted that decision an just been making payments til it's all over. I told them my problems are the same today and I was not getting help I needed to fix their errors. I've been building credit an it's like everytime I pay in advance ( before billing date ) to help out my credit. They over turn it back to my account after receipting payment received. Please go over my whole Mastercard reports to correct over charges, fees late fees and, or interest /credit downgrades to where they re all suppose to be. So I can respectfully pay the remainder owed. But I need it corrected first When I make a larger payment other then minimum it reverses if it's minimum they accept! Idk why they are doing it, besides insufficient funds that are not insufficient. Proving so with date to date statements
12/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • SC
  • 29801
Web Servicemember
XX/XX/XXXX I filled out the application for a credit card and I was denied I informed the company that they were in violation of the law and that they were also violating my constitutional rights to Pursuit of Happiness by denying me access to an extension of My Own Credit I believe they are possibly committing Securities fraud being that they took my application and it was turned into a financial asset that is being traded on the secondary Market without my knowledge or permission and if this is the case they did not conspicuously make me aware of this information I only know this because of my own personal studies that I doing in my own personal time.. they did not provide me any profits from the security that they are trading on the market I also shared the law with them I provided the link to your website they read it and still said they did nothing wrong so they told me that they are using their own guidelines to make the decision which means they are ignoring the law that the government has put in place to protect me the consumer from discrimination and that they basically operate independent of the laws and use their own " laws '' to make a decision even after I repeatedly broke down to them what the law was through email to send them a link and even copy and paste it wasn't wrong was and still said that they were doing nothing wrong
12/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • GA
  • 30045
Web
I PREVIOUSLY CONTACTED GENESIS /INDIGO CREDIT CARD FOR THE PURPOSE OF OBTAINING AL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/2021. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY GENESIS/INDIGO CC. WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. GENESIS ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST XXXX AND XXXX XXXX. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/2021 ) BE MAILED TO MY PHYSICAL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!!
04/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NC
  • 28734
Web Older American
I received two letters on XXXX, which were both sent on XXXX, one of which said they were temporarily blocking the account because of recent activity, and the other stated that they received my updated address. I phoned the company today, and let them know that wasn't my account, and I did not apply for it or use it, and that they should close it. I would not give them full social security information, nor my date of birth, since there were three different phone numbers on the letters, which I thought was odd. Please help me get this Milestone Mastercard account closed. The account ending was XXXX and it showed to have a balance of {$300.00} on it at the date of the letter. I sent a letter on XX/XX/23, along with the Dispute letter to the Company, FTC Identity Theft Report, proof of identity, and Notice XXXX XXXX XXXX XXXX, and got a letter on XX/XX/23 telling me to send information again, so I sent a follow-up on XX/XX/23 by fax with the Dispute follow up letter to the Company, FTC Identity XXXX Report, proof of identity, and Notice to XXXX XXXX XXXX XXXX I have frozen my accounts at the three major credit bureaus again, and have found that the company that has that credit card, Genesis FS Card Services, has put it on my XXXX credit report with a balance of {$0.00}, but I do not want it on any of my reports since it is not mine!
04/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 112XX
Web
In accurate with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX Acct ending XXXX and XXXX XXXXXXXX XXXX XXXX ending XXXX 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions. 15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
08/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 27834
Web
There was a charge on my card in the first week of XXXX for {$100.00} that came from XX/XX/XXXX for a {$99.00} annual fee. First of all, a {$99.00} annual fee is rediculous, but, I've paid it these past 2 years because I don't want to close the card and lower my credit while in the process of trying to buy a home. So, on XX/XX/XXXX I made the payment of {$100.00} and the next day XX/XX/XXXX forgot I paid it the day before and made the payment again ... totaling {$200.00}. This shows on my XX/XX/XXXX statement, that I over paid {$100.00}, so my account was $ XXXX ... .With GenesisFS card services ( Indigo Card ) owing me the XXXX. They claimed they would return it to my bank of which they never did ... ( And all these calls should be recorded ) ... .Now, they've turned around this month and charged another {$140.00} for God knows what, but I don't, nor did the last representative I spoke with. The representative also stated she could see a future statement that I could not see online and I was being charged a late fee, which is impossible! ... The company owes me! ... .How could I be charged a late fee! ... They claimed it was due to insufficient funds, and yet ; the money left my bank and was not returned, as it shows on the XX/XX/XXXX statement. Today is only XX/XX/XXXX, so how could anything be late and they owe me?!
11/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 604XX
Web
XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the e-Oscar, Credit Reporting Agencies ( CRAs ) and Automated Credit Dispute Verification ( ACDV ). The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
11/26/2021 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NV
  • 89110
Web
It started at XXXX on XX/XX/2021. Needed a new device and noticed XXXX had a feature on their website for 'Prequalify '. It said you can prequalify for 0 % financing before you start shopping. I did this and was approved. I was sent an email with " You're approved for a credit card from XXXX! ". I figured out what I wanted and was ready with my product and with the thought of an approved credit I was going to check out. I started the check out process and when asked for pay options I chose XXXX XXXX. I was asked the same questions I had just answered about my personal finances which I thought was normal. I completed my check out and received my order confirmation. I received another email congratulating me on being approved for XXXX XXXX. This was confusing since I thought I was already approved for XXXX Credit Card and now I was being issued a credit account thru XXXX XXXX I feel this was all very misleading from 'Prequalify ' to the XXXX XXXX XXXX out function. When I called XXXX directly they said I basically have XXXX credit accounts now. I told them this is unacceptable and felt mislead. They transferred me to financing directly and was advised to simply close the credit account ( s ) if I didn't want them. I immediately cancelled my order thru XXXX and simply used a debit card until I knew how to proceed.
09/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • DE
  • 199XX
Web
Indigo MasterCard, Genesis Card holder services, was caught for the fifth time now trying to get money from me that they are not owed. I have never in my life witnessed such a thieving credit card company in my life! I asked them in XXXX what the payoff amount was and they told me {$260.00}, to which I immediately sent them in a money order and was relieved in getting rid of them. Since this time they were ignorant enough to to send me a $ XXXX.and some change bill on a closed account that was paid off. Tonight they sent me an email for my XXXX statement I called them and told them my account was closed in XXXX and fully paid off. XXXX, their employee said that now I owed {$2.00}. I said why are you still attempting to charge fees to an account that was closed back in XXXX? I since called back twice and the third time tonight, this time, their employee, XXXX, stated that she would remove this fee on my XXXX CLOSED and fully paid off account and send me a letter that they would never contact me again or try to further extort money from me. I told her I am contacting their state attorney general once again and reporting their wrong doing. Please call them at XXXX and fine them or hold the, accountable for their illegal extortion towards me. I blocked them from my email too. Thank you. Best regards, XXXX XXXX XXXX
05/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • FL
  • 33782
Web
I reported this creditor to CFPB a couple months ago. Not only are they ignoring CFPB 's investigative request, but they are back at it reporting negatively on my credit reports. Bottom line is there was fraud on my account someone changed my address with this creditor without my knowledge. I report the unrecognized charge they close my credit card and they refuse to send me a statement of what I owe and what charges were made. My online account has a zero balance that they have now locked me out of. That's okay because I took a screen shot of it figuring they were going to try to cover up their wrong doing. A week or two ago they completely closed my account and notated closed by consumer which isn't true. With everything they screwed up on this account is it to much to ask for an accounting of what they are saying I need to pay. Twice now they have damaged my credit score. Isn't there a regulating government agency with some teeth that can fine or legally go after this company for all these ridicules shenanigans and damages to my credit. After several attempts to have anything sent to me from this creditor I asked if they could overnight information seeing how you can't get it to me by way of USPS and I was told they don't do that. I said even with all these extenuating circumstances and I was still told no.
11/08/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IL
  • 60639
Web
I have a Destiny Mastercard. My payment date is XXXX of the month. Destiny Mastercard was Genesis FS but now is XXXX. I went to make my payment on the Destiny website & found out that Destiny on accepts Checking Accounts not Debit Cards ( I don't have a Check/Saving Account & don't plan on getting one ). I called Destiny & was informed that payments are only accepted By Mail or XXXX XXXX. XX/XX/23. I mailed in my payment of {$40.00} as of XX/XX/23 Destiny claimed they haven't received it & Destiny charged me a Late Fee of {$35.00} which brought my acct in the Negative. I called Destiny ( Now XXXX ) that I mailed in my payment on XX/XX/23. I was informed that once they received the payment I will get a one time courtesy removal of the late fee. This is RIDICULOUS!. Destiny Mastercard ( Now XXXX ) Doesn't Accept Debit Cards as Payment & when I Mailed in the Payment before the Due Date I still got charged a {$35.00} Late Fee. I can't keep going through this every month, I mail in payment before due date & Destiny ( Now XXXX ) charges me a {$35.00} late fee then I have to call in & Hope they remove the {$35.00} late fee because they don't accept Debit Cards as Payment not mention Destiny reporting this on my Credit. I am enclosing a copy of the Money Order I sent to Destiny. Thank you. XXXX XXXX XXXX.
06/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 757XX
Web
I recently tried to purchase a house. The realtor suggested i pull my report, before putting a hard inquiry on my credit file. So I did so, in the mist of that, is when i noticed two accounts opened seemingly around the same time. which are : XXXX XXXX in the amount of {$3900.00} ( whats showing on credit report ) Indigo Card in the amount of {$610.00} ( whats showing on credit report ) When i noticed the account i called their toll free numbers, and explained that the debt on my file is inaccurate. I was told to file a police report, but to be told to take it up with the credit card company, there's not much they can do, if i don't have a clue where it came from. So i verbally filed a dispute, with the creditors, and the bureaus asking them for verification, ( Which i never received ). Also another reason i'm complaining is by looking at my report again, I've seen where the Indigo card didn't mark the account as disputed. they actually updated the account, to make it ( pay as agreed ). The account is not mine! I want them removed, inquiries and all. Along with all that, a fraud alert was placed on my account, which could damage my chances of my future house purchase, or any other line of credit i may want to open in the future. I feel since this isn't my debt, why should i have to be penalized.
04/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • AZ
  • 851XX
Web
On XX/XX/23 I responded to a mailer advertising a Destiny credit card. After reading the terms I decided to apply. The website claimed I was approved for {$500.00} with a chance to double the credit limit after 6 months. There was no mention of a fee to be paid to activate the card. Once I received the card I went online to activate it on XX/XX/23. During the process of creating an online account the website said I would have to pay {$99.00} fee for a {$300.00} credit limit. I immediately stopped creating the account and called Destiny 's phone number. I told their rep that I did not want the account due to them changing the credit limit and charging a {$99.00} fee. The rep said that since I didn't activate the card I wouldn't be charged the {$99.00} fee. But now they're reporting that I opened an account and closed the same account. This is negatively affecting my credit score by dropping my credit history age and showing a new closed account. I did not open this account! I did not activate this account! This company was unethical by falsely claiming I was approved for {$500.00} and then upped their fraud by not disclosing a fee until the card arrived. To top it off the fee was canceled because I refused to open the account. This account needs to be removed from my credit reports immediately!
02/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33060
Web Servicemember
There are three credit cards on my credit report. These cards are being reported as charge offs and/or collections. This is affecting my ability to obtain a much needed loan. I have contacted the credit card companies and they claim to have verified the debt. I don't know how they could verify the debt when my social security number was used to obtain the cards but at an address that I have never lived at. My social security number is connected to to my current address which I have been at since XXXX. I have filed a policy report with the XXXX XXXX XXXX XXXX XXXX # XXXX. Genesis Bank Card Services was taken out on XX/XX/XXXX using the address XXXX XXXX XXXX, XXXX, GA XXXX, the balance is {$980.00} I have never lived in Georgia and Social Security and my tax returns prove that. XXXX XXXX XXXX XXXX was opened on XX/XX/XXXX the balance is XXXX. This card was opened under my maiden name of XXXX. I was married and changed my name in XXXX, again proven by my tax returns and social security number. The next account is CB Indigo taken out XX/XX/XXXX with a balance of {$980.00}. Again, this is not my account and I am not responsible for this bill. My identity was stolen, my social security number has been compromised and these banks are NOT verifying the person who is making the online applications.
04/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NH
  • 03053
Web
I got an alert a late payment was reported on an account when I checked my credit report I saw an account I did not recognize.. I XXXX the company.. called them and they said my address was not the one on file.. I explained I never applied for nor had a card with them..they sent me to the fraud dept. I explained to the fraud rep the situation and he was very rude I asked what I needed to do and could I have the account number and the address to put in the police report he stated no.. that is private info and hung up. I reported the fraud to XXXX and disputed the info... I received notice that they verified the account and it is accurate.. It is NOT accurate, it is not mine ..this is fraud/ My credit monitoring does not show any credit card approved for this lender.. no inquiry nothing until the late payment was reported. I check they date it says the card was opened which would show on my credit monitoring. I had my credit file locked at the time this shows it was opened so no credit cards should be able to be issued if my credit file is locked. I can prove this with my XXXX account. I need help to have this resolved and taken off my report. Also, the company that issued it is still showing the account active and open despite 3 calls informing them it was stolen identity and fraudulent.
04/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 32164
Web
I had opened this credit card account recently and was scheduled to make a first payment. I made my first payment of {$100.00} on XXXX the XXXX of XXXX which went through and processed successfully. There was a technical error that occurred due to their website which allowed their system to attempt to process this same payment multiple times ( 3 other times to be exact ). I don't know how or why this happened but their website tried to process this same {$100.00} payment that was already successful for 3 other times on and it was unsuccessful due to me not having that amount of money in my bank account for it to process. This Credit card company closed my account due to this technical issue and will not allow me to reopen my account even though my account is up to date, my first payment was paid successfully on time ( before it was even due ). I never had a late charge, nothing. And this company closed my account due to an error on their own website! This is now going to go against my credit, I still have to pay off the remaining balance which they will allow me to do, however they won't reopen my account. Please help me! This is absurd! I literally had the account 1 month and it was in good standing the entire time! This is not right! Their supervisor says there is nothing they can do
04/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77056
Web
I have several miss payments with this company that does not have financial solution or payment arrangement where I could have worked something out. The missed payment lowered my credit score to the point I can not secure a home for my children and self. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
10/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 95945
Web
On XX/XX/2022 I attempted to make a purchase through XXXX for {$80.00} using a Milestone credit card issued in my name. After the driver for XXXX delivered to the wrong address, he insisted I was somehow trying to fraud XXXX and reported me as a scam. XXXX immediately canceled my account and sent an email stating they had not charged my credit card. Milestone from Genesis XXXX, XXXX Oregon, however charged the {$80.00} to the account as a purchase on XX/XX/2022. I called customer service and asked for a refund to my account and the operator said that there was nothing to refund as the transaction had not occurred. I informed her that my online account statement showed the purchase and of course my limit showed the same. She assured me that everything was fine and not to worry, it would take up to 72 hours to show up on my account. I checked my account again on XX/XX/XXXX and it showed not only the charge had not been reversed but they decided to institute the annual service fee to assure that the account would be overdrawn. A second call on XX/XX/XXXX was met with a similar response and to not worry about the overage fees or even the original {$80.00}. Today is XX/XX/XXXX and I still am seeing the same account balance. I contacted XXXX and they claim to not have received the {$80.00}
09/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 902XX
Web
I have an Indigo Mastercard issued by Genesis Financial Services. When I make a payment on the website- it does NOT show as payment pending or payment received under the payments section of the website. I paid my balance in full ( the entire credit line in full ). The next day - the system resets as if you made no payment at all and you still need to make a payment. So I made a second full balance payment to the card. Paid entire balance in full again. I checked the next day ( today ) and the Indigo website still does not show the 1st and/or 2nd payment pending or received and still shows the customer owes money and a minimum payment is due. I called Indigo to make sure I would not miss a payment ( I already made two full balance ( full credit limit ) payments that do not show on their website ). Indigo said yes they received both payments but can not cancel one and their system just works like that. I will have paid TWICE the entire credit limit on the account. The CUSTOMER does not get info on the website regarding payments received after making a payment which would reasonably make any person believe the system did not register the payment and any reasonable person would believe they still owned the balance and would make a second ( duplicate ) payment - the system encourages this!
03/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33311
Web
I am a victim of identity theft. The information listed below, which appears on my XXXX credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. FRAUDULENT ACCOUNTS : CB INDIGO/GFXXXX - more than {$700.00} collection reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - more than {$700.00} collection reported to XXXX I have reported these fraudulent accounts to the companies listed above, requesting credit validation, debt validation, or anything they can provide me to prove ownership. It has been years, and I am still fighting with these fraudulent companies to REMOVE such collections because I DO NOT OWN or OWNED THESE ACCOUNTS. I am still waiting to receive a collection letter, debt notifications, credit card account, information of such, or anything to let me know I was getting reporting to collection agencies to allow me to challenge such with proof of my identity. I am also submitting an Identity theft report and evidence of my identity, and I request these companies to stop damaging my reputation and to remove such fraudulent items from my credit report with XXXX. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. I appreciate your prompt attention to this matter and await your reply.
08/07/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 17402
Web
I received a delivery via XXXX XXXX on XX/XX/XXXX from XXXX of items that were fraudulently ordered in my name. I discovered through XXXX fraud department that a credit card account with Genesis FS Card Services was set up fraudulently in my name. I have contacted XXXX to dispute the Genesis FS Card Services account and I have also written a multiple letters to Genesis FS Card Services disputing this fraudulent account. XXXX alerted their Fraud Team of this issue. XXXX was able to reroute additional items that were part of the fraudulent order. XXXX employee XXXX XXXX stated in an email to hold onto the items delivered until XX/XX/XXXX. XXXX XXXX stated that if I did not from XXXX 's credit recovery team I was to go ahead and dispose/donate the items received fraudulently. I did not receive any further communication regarding this matter from XXXX. I have requested that XXXX retrieve their items to no avail. Genesis FS Card Services insists that I owe {$820.00} for the items fraudulently ordered in my name. I have disputed these charges by writing multiple letters to Genesis FS Card Services. I want the fraudulent charges credited to the fraudulent Genesis FS Card Services account and the account closed. Any adverse information on my credit report needs to be removed immediately.
08/30/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27513
Web
I am writing this letter due to the actions that XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX, and that they have purchased from the original creditor. For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. Sincerely yours, XXXX XXXX
07/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • NY
  • 11207
Web
On XXXX XXXXXXXX the credit card company Genesis FS Card Services Inc charged my bank card {$690.00}, that charge was reversed by the bank. The company attempted to charge the same amount again on XX/XX/, that charge was not reversed. When contacted, they stated that I attempted to pay my bill in full. I informed them that I have not had access to my account for weeks, so I couldn't have made that payment. They stated that I can only regain access to my account when they receive a faxed copy of my state ID for account verification. I submitted a copy of my faxed ID on XX/XX/2023, gave then 5-7 business days to receive it and restore the access to my account. On XX/XX/XXXX they were contacted again because I still did not have access to my account. They stated that the ID was received, but I needed to send another copy because they one they received was too dark. I asked if I could email a copy because the process is taking too long, and I was informed that fax is the only way. I was also informed that even though I am locked out of my account, I could pay them over the phone for the full balance and all the late fees if I wanted to close the account. It is Currently XXXX XXXX XXXX, and I still do not have access to my account even though my ID has been faxed more than once.
05/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • AZ
  • 85020
Web
I was approved for the XXXX XXXX I made my first payment on XX/XX/XXXX in the amount of {$100.00} and the payment was posted to my account the next day. I then made a payment on XX/XX/XXXX in the amount of {$100.00} from the same checking account as the first payment and it has yet to post to my account. I made another payment on XX/XX/XXXX in the amount of {$20.00} from the same checking account as the first XXXX payments and it was posted to my account on XX/XX/XXXX. I called XXXX to inquire about why the first payment was posted the next day and the payment made on the XXXX was posted the next day but the payment made on XX/XX/XXXX has yet to post. I was told they put a hold on the second payment to verify funds even though they were all made from the same account. This is affecting my Available balance and it is hurting my XXXX XXXX. They are purposely keeping my account over the credit limit to hurt my credit score and have no valid reason for doing so. The account in which the payments come from has been verified because XXXX of the XXXX payments have been posted to my account. I have read reviews on this company and they are doing this to a lot of people and it is wrong and needs to stop. They are intentionally hurting people 's credit and it should not be allowed
09/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11701
Web
It has come to my attention that Indigo Mastercard has falsely reported that I am 120+ days late on payments, even though my account has been closed following a ruling in my favor regarding an identity theft incident. I want to emphasize that I have already been recognized as a victim of identity theft, and the ruling in my favor clearly states that I am not responsible for any fraudulent transactions made on the Indigo Mastercard account. The account has been closed to prevent any further unauthorized activity. Therefore, it is extremely distressing to see this inaccurate information on my credit report, as it could have negative implications for my financial standing. To assist in resolving this matter promptly, I have attached copies of the official ruling in my favor, which clearly states that I am not liable for any fraudulent charges incurred. Additionally, I have included documentation confirming the closure of the Indigo Mastercard account as a preventative measure against further unauthorized use. I kindly request that you initiate an investigation into this matter and take the necessary steps to correct this false information on my credit report. It is of utmost importance to rectify this issue as soon as possible to ensure the accuracy of my credit profile.
03/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 441XX
Web
CB INDIGO/GFXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
12/04/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • TX
  • 774XX
Web Older American, Servicemember
I got behind on my Indigo card account due to my husband 's illness and subsequent death. Was trying to pay off card, but couldn't. Indigo made me an offer of {$450.00} to pay off and close account. I accepted their offer and they accepted my payment of {$450.00} in XXXX, XXXX. Every thirty-forty days since, I have been receiving collection calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance on the card. In XXXX, XXXX, when the first collection call came in, I told them the card was paid off and the account was closed. " Oh, yes mam, we see that the account has been closed and there is no payment necessary. '' XX/XX/XXXX : another collections call, you still owe XXXX {$280.00} past due balance. No, the acct is closed and paid off. They continued to argue with me. The same conversation takes place about every XXXX days, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, XX/XX/XXXX, same conversation, and today XXXX, same conversation. I want this harrassment to STOP! I paid their price quoted me, they assured me the account was closed. Every month that this happens, they assure me " after checking your account '' that it is closed and there will be no more calls, yet, every month, I am STILL getting these collection calls.
11/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WV
  • 265XX
Web
XX/XX/XXXX, of 2021 I spoke with a representative and negotiated a settlement to close the card. The representative set-up payments on XX/XX/, 2021 in the amount of {$110.00}, XXXX XXXX, 2021 in the amount of {$110.00} & a final payment of {$110.00} on XX/XX/XXXX. Each payment was made timely. In XXXX, I started receiving collection calls from Milestone stating my account was past due and they needed a payment. I spoke with a representative late XXXX, 2021 who looked into the " history '' and said the initial representative did not " complete the settlement paperwork ''. The representative said they would need to " contact a different department to investigate '' someone was suppose to call me back in XXXX hour to discuss. No one called. But, I continued receiving collection calls. I have since called XXXX different times, XX/XX/XXXX & XX/XX/XXXX and I'm being told the same story of a XXXX hour wait. On the XXXX, I spoke with XXXX at ( XXXX ) XXXX Who " could not provide me a time of resolution ''. She then put me on the phone with a supervisor named XXXX who said nothing could be done & again, I had to wait another XXXX hours. This is extremely frustrating and my credit report is taking a negative hit. I would like resolution to this as soon as possible.
03/01/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33901
Web
I had signed up for hurricane disaster relief after hurricane Ian, in which would lower my monthly payment or no payment at all. We asked the agent that we spoke to. Is this good affect our credit she said no. Then they come find out two months later no XXXX, I get a notification from XXXX XXXX showing Ive missed 30 and 60 day payments, so I called them I speak to someone explain the situation they do an investigation of the information I told him I was told they listen to the phone calls that were recorded and agree that their agent was in a wrong in their system. Coding was wrong so they sided with me in the investigation, so they needed to fix my credit reporting showing that I didnt pay for two months in a row and they close the account. Now here we are end of XXXX and now that Ive mentioned Im gon na get a lawyer involved because Im trying to buy a house and I need you guys to fix this. Were not gon na fix it now and I asked to speak to someone higher up there in the account manager, I was speaking to, and why did you weeks didnt get a phone call so I called back and was told someone would called me as soon as I get out of a meeting. Never got a phone call back. To also add I disputed the payment history for this card on XXXX XXXX and theyve corrected it.
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 296XX
Web
I was informed a week and a half ago by both XXXX XXXX and XXXX XXXX that there was a new hard inquiry on my credit report by XXXX. As I looked into it, the inquiry was from an unknown bank that I have never had any business with. Reverse searching the address and phone number on the inquiry led me to Genesis FS Card Services. I emailed the two emails I could find on their website informing them that I have never and will never have any accounts with them and they did not have my authorization to run a credit inquiry. They provide three types of Mastercard credit cards, which I have none. After my original email, I had to email twice more because they had a purposeful typo on their website with their email link that made it undeliverable. I had to fix the mistake and resend it to two different addresses. Their customer service is non existent. I have already filed a XXXX complaint over this issue and now I am filing a complaint with the CFPB. I have NEVER done business with this institution. I have NO accounts with them. I am seeking NO new accounts with them. My most recent financial account is 2 years old and with my own credit union, so there was absolutely no reason for them to run a credit inquiry. They refused to response to multiple emails.
08/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30004
Web Servicemember
On XX/XX/XXXX, Indigo Mastercard emailed to me a settlement offer of {$170.00} for the entire balance of {$710.00} to save {$530.00}. initial settlement request had a payment due by XX/XX/XXXX but I called and was advised it can be extended to post the payment by XX/XX/XXXX. I made the payment of XX/XX/XXXX and payment posted on XX/XX/XXXX. However, the remaining balance of {$530.00} +interest to equal {$590.00} was reported to the credit bureau as still due and also reported late again. This was not the agreed upon resolution. on the settlement offer received, it states " Once your settlement payment is received as agreed, the waived portion f the balance will be charged off and your account will be reported as settled in full for less than the full balance to the credit bureaus. '' Upon calling the customer service this morning, they are now stating it that the terms state 21 days after payment. This is false information being provided to me as the consumer and I was not advised this on the call to the rep to accept the settlement offer. It doesn't make sense to still add on fees/interest if the settlement was paid and posted on time and yet the balance was increased while also reported as still negative and decreased my credit score even more.
11/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 30064
Web
XX/XX/XXXX Card was used in my name and falsified to open XXXX Called company to let them know about the fraud and they said they would take care of it. ( 4 hours of conversations ) Early XXXX I called back because they wouldn't close the account- they asked for identity verification and then asked for me to send IdentityTheft.gov paperwork faxed to them ( 3 hours of conversations ) XX/XX/XXXX : Faxed IdentityTheft.gov information and waited for result XXXX : XXXX sent letter closing my account but wouldn't remove responsibility for pay XX/XX/XXXX : Called them to ask what is going on and why this was declined. They refused to give me agent numbers, badge numbers, recordings, etc. It's impossible for me to trace any conversation we had without illegally recording myself. XX/XX/XXXX : They told me that the account was " Resolved '' but when asked to double check and what that means, they told me it's " Resolved '' and I read the letter from XXXX and they said " Yep! Resolved ''. After telling them I'm nott paying for something I didn't charge, they told me to send the same paperwork I already sent them back to them and wait 90 days. I'm trying to buy a house, move for work, etc. This is DESTROYING my credit to move. It's predatory lending.
12/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33496
Web Older American
1. Received notice of approval for credit card I never applied for on XX/XX/XXXX with Genesis FS Card Services who do business with XXXX XXXX XXXX 2. Called on XX/XX/XXXX when received a bill them in the amount of : {$3800.00} for XXXX items purchased from XXXX I never purchased to speak to their fraud department and was told they could not transfer me after dialing the customer service number on the statement : XXXX I then asked for the direct number to the fraud department and was given : XXXX which redirected me back to the same person who answered the customer service number. So they now have my home telephone number.. 3. I went to the website for XXXX and see it is a company in XXXX, upon seeing this I am going to assume this is a scam that is all related and I have no idea how I will get out of this. However, the voice of the person who answered the Customer Service number for the credit card sounds just like the person who I spoke too when I had an account with XXXX XXXX which I paid off in XXXX and for very close to the same amount I am being charged now by this new credit card company. 4. Should I call XXXX about this being that they are in XXXX? 5. Please tell me what to do? I never had this happen before. 6. I am a XXXX XXXX.
11/07/2021 No
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MT
  • 59405
Web
XX/XX/21 : Multiple calls to my employer from XXXX stating they are attempting to serve me paperwork at my place of employment. Gave me an XXXX to contact for further information. Contacted the individual so called XXXX XXXX from XXXX XXXX XXXX? Claimed he was a legal administrator trying to collect a debt for {$550.00} for an indigo mastercard. Explained I have never owned such a card and he became abusive stating to take it up with judge. Refused to give me information re debt and hung up on me. I called back asking he give me the correct spelling of name, work place, address. States he is not interested in being my penpal and hung up on me. I called back again and asked for business name, state and city license number. Stated he would only give it to an attorney and asked that I quit wasting my time and his and hung up on me. I called back and stated I have the right to self represent in court of law. He said see you in court and hung up. At this point I have no idea what company I am dealing with, the legitimacy of the debt, nor how to move forward since I have only been threatened of being served at my place of work and have not. Meanwhile, I have found a {$300.00} debt on my credit report and have disputed the account. Please help
10/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MN
  • 554XX
Web
I made a payment for {$480.00} on XX/XX/21, it posted to my checking account XX/XX/21. Today is XX/XX/21 and the payment still has not be credited to my account. After multiple phones calls and promises of call backs I have not heard back from anyone to resolve this matter. Today is the XXXX day according to the information below and customer service is telling me it could still take until XX/XX/21 to credit my account. This is starting to make me feel like the company is not legit and I've been scammed. The following terms and conditions are posted on their website. When will my online payment post to my account? The payment cut off time for online payments is XXXX p.m., Pacific Time. This means, if we receive your online payment prior to XXXX XXXX., Pacific Time, your payment will be credited to your account as of the calendar date it was received. If we receive your payment after XXXX XXXX Pacific Time, your payment will be credited as of the next calendar date. When will the available credit on my account reflect my payment? In some cases, the available credit may not reflect your payment for up to 14 days in order to verify funds. This is disclosed in the " Making Payments '' section of Agreement that governs your account.
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75241
Web Servicemember
XXXX is obligated by the FCRA to report accurate accounting, consumer has advised all the inquiries report it was fraud said company had four days according to law to remove such items. FTC fraud was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation use, signed application with consumer wedding signature, consumer is not asking for an XXXX XXXX report. If XXXX does not have documentation to show these were in fact authorize it must be removed ASAP. Said company is liable under the SEC to follow certain rules. XXXX commission valid number. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I will be filing form XXXX treasury OMB forms to audit consumers account XXXX is secure enticing consumers data yet refuse to provide consumer copy of their consumer file not consumer report.
08/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 724XX
Web Servicemember
I opened this card in or around XX/XX/XXXX. I paid the balance off in full in XX/XX/XXXX. In XXXX I received a statement with {$17.00} interest charges. I called and spoke to a customer service rep and was told it was residual interest and the fee would be waived. I moved in XXXX and never heard anything since until last Friday when I got a notification my credit score dropped over XXXX points. Which is a huge impact to my financial situation as I am applying for a business loan. I never received any statements other then the one in XXXX. It appears that the fee did not get waived which caused late fees and more interest charges and then reported to the credit bureau for all these months. I placed a phone call immediately last Friday and spoke with XXXX a manager that promised me a call back before her shift ended at XXXX XXXX that day. She advised this needed to be escalated to a unit manager. I never heard anything back. On Monday I called and spoke with XXXX and was told it was under review and her supervisor would give me a call back. Still havent received any call. Im hoping this issue can be resolved. As a {$17.00} fee could of been paid and resolved but instead I was mislead, or the representative didnt do her job.
12/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93551
Web
I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX XXXX XXXX XXXX heir ( XXXX XXXX XXXX XXXX XXXX XXXX ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 15 USC 1692 congressional declaration of purpose. House Joint Resolution 192!!! In accordance with the fair credit reporting act The principal debtor is responsible. 15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions. 15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). Remove the fraudulent XXXXXXXX XXXX Thank you.
09/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30122
Web
Ive had this particular credit card for about 3 to 4 months now, although with this being a card I didnt sign up for it was still sent to me anyways. I reached out to XXXX card services on multiple occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Everytime Id call and explain to them and try to understand my billing I have always been given the runaround or them disconnecting my call. Now I can not access my credit card account through their website, even tried to create a new log in and I still am unable to log in to check my balance, due date etc : Im only sent text messages to know when my bill is due or constant calling. According to House Joint Resolution 73rd congress. Session 1 chapters 48 & 49 XX/XX/XXXX, XXXX, XXXX H.J.R. 192 1491 Public alas 148 stat 1 confirmed in Perry V. U.S. ( 1935 ) 294 U.S. 330-381,79 LED 912, as well as title 31 United States Code ( USC ) 5112,5118 and 12 USC 95 a. With 15 USC code section 1666h the credit card issuer may not take any action to offender a cardholders indebtedness arising in connection with a consumer credit transaction under the revenant credit card plan. My demand is as the natural person my credit card be paid in full! Under 15 U.S. Code section 1693o-1 and HJR 192.
01/11/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CT
  • 062XX
Web
XX/XX/XXXX I canceled the credit card. I paid the balance in full, and canceled the card by calling the card company. I was told the card was canceled. In XX/XX/XXXX I was sent a statement that I owed XXXX. I called the credit card company back, and they said a charge was made for XXXX. I told them that's impossible, I canceled the card. The person I spoke to said I was correct. The card was canceled. She said an investigation would begin. In XX/XX/XXXX I called them again after noticing my credit score was being severely damaged because this credit card company was reporting my account delinquent. So my score has dropped. I told the credit card company this information, and they again said a dispute would be entered. Today, XX/XX/XXXX I just got another statement saying I now owe {$170.00} for an account I canceled in XX/XX/XXXX. And I was told it would be upt to 99 days until the XXXX. XXXX would be removed. But they are not removing interest and late fees on a freaking account that I nceled and did not authorize a charge to a closed account that is still being charged freaking fees. I don't owe them anything!!!! Genesis FS Card Services XXXX XXXX XXXX XXXX GA XXXX. My account # that I canceled a year ago is XXXX
09/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TN
  • 37128
Web
On numerous occasions since I have had these cards with XXXX XXXX XXXX, my payments have not been received. They have charged me multiple fees for either late payments, returned payments, or over the limit. The first time it happened I was told to check with my bank because they were rejecting payments. My bank said they never received a request for payments. I switched the bank and bank account that the payments would come out of, and the exact same thing happened. This has happened repeatedly for months. I have incurred so many fees from the company that I now can't afford to pay the cards off as I planned. On top of that they have charged what they call a membership fee of an extra {$100.00} that has pushed each account over the limit and now is showing on my credit as continuous late payments and over the limit. This has affected my credit report and has kept me from being able to buy a home. I have called this company and spoke with numerous people who are either extremely rude & threatening or unhelpful. This company calls my phone multiple times a day leaving messages every time. They even start calling as early as XXXX XXXX and as late as XXXXXXXX XXXX even on Sundays. They are also sending me texts and emails.
12/07/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 32092
Web
I opened a credit card account with Milestone Mastercard issued by XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021. The initial annual fee in the agreement is {$75.00} and then {$99.00} thereafter. When I received the card it already had a balance of {$170.00} for the annual fee. This is not what I agreed to and is fraudulent. I called immediately and asked to cancel the card. They told me to register and to do it online. When going online I am unable to cancel the card. I spoke to a friend in finance who advised not to activate the card or use it. I never activated the card nor used it as it is NOT what was agreed to and I have the agreement from the company showing they fraudulently charged a higher fee. I called today to cancel yet again and she said I will get a letter in the mail but there is no other confirmation number or email that can be provided. She then said she had another offer for me and could give me a {$25.00} credit. I told her it is ridiculous to offer me {$25.00} when they charged an additional {$100.00} without my authorization. I want this credit card off of my credit as it is not what I authorized nor agreed to. Banks should not be able to legally charge consumers fees not in the agreement and contract.
12/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93551
Web
I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( permanent character ) - affirmative action. XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 15 USC 1692 congressional declaration of purpose. House XXXX XXXX XXXX!!! In accordance with the fair credit reporting act The principal debtor is responsible. 15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions. 15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). Remove the fraudulent XXXX claims. Thank you.
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • ID
  • 83442
Web
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXXXXXX Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX
02/28/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MA
  • 01757
Web
Since approximately XX/XX/XXXX I have had issues with the company portal in being able to make payments on time. The portal is constantly timing out, showing an error that it " can't be accessed right now '' or the " page is down ''. This has affected my ability to make timely payments which the company has charged late fees for. Approximately XX/XX/XXXX I attempted to log into the portal to make a payment in full and close the account due to the fact that I can never use the online account effectively. I once again was unable to access the account ( screenshots attached ) and am unable to make a payment in either XXXX XXXX or XXXX XXXX browsers. I receive the same error in that the page is down and this has gone on for months now. Today, approximately XX/XX/XXXX I have noticed that the company has now posted a late payment against my credit that has reflected across all 3 major reports and my XXXX. I am requesting that this late payment be removed from all of my credit bureau reports as I have attempted to make payments to this company multiple times without success. The customer service team redirects you to try another browser and I have tried them all without being able to access the account.
03/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • FL
  • 336XX
Web
I applied for a credit card in XX/XX/2022 in the process of the card being shipped out i moved to a new address I called milestone updated my address they told me they had already mailed a card for me so o they were going to cancel it and mail me a new card to my new address I didnt receive the card till like a month and a half after they said they had issues with the plastic company who does cards and there was a delay so I finally receive the card in the process of activation the card was blocked so I call again to see whats going on then they tell me that the card was blocked for fraud they ask me to send several documents over to verify my identity I sent over a fax with my bank account statement a bill and my drivers license several weeks pass by and I call again and they said my DL was unreadable so I re fax it a few days pass by again and so I called to verify if it was readable and today for my surprise they say my DL is not valid and Altered and they closed my account permanently my DL is not Altered in any way all i did was capture a photo and fax it over I use this DL everywhere i have never had any issues anywhere this is not my first credit card Im feeling like the company is just a scam
02/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MS
  • 395XX
Web
Their website is not user friendly and contacting them is sketchy. My info was also sold to another company associated with them. They sent me offers saying how the two cards went together, continuing to always pop up as soon as I logged in to make payments. I get weird energy when dealing with this particular credit card company. Then with my payments. On their website its reflecting that Ive paid and doesnt reflect on my account. So Im really ready to pay them off because nothing is accurate with the info that I try to confirm on their website and even when Ive called. They tell me that my late fees were cleared and Im in good standings but then going back my credit report and the website. Its something different. This is the only credit card that I am having issues with. I dont understand why Im being played with when this is my credit we are talking about. They have a responsibility same as I when they lent the money on a card for me. These issues have caused my credit score to go down by XXXX points because they are not effectively communicating to me & money is not being pulled when it says it is. Im getting so frustrated. I just want someone to help me with the next steps please. Whats next???
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 323XX
Web
Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. I would like to file a complaint on CB Indigo Account # XXXX in the amount of a {$300.00} Credit Limit account is showing on my consumer file as delinquent. I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b )
05/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 158XX
Web
I had made a payment on XX/XX/2023 in the amount of {$710.00} cents to Milestone credit card partnership with Genesis FS. I had expected to receive my available credit on the next business day being Monday XX/XX/2023. However when I called them they told me that my available credit will not be available 2 weeks after my initial payment which will be in XXXX XX/XX/2023. I have never heard of this before. My checking account had funds available they took it out my credit bill was paid in full. But now I have to wait 2 weeks for my credit to be available? I have XXXX other credit cards as well that i have no issues with that in 1-2 business days will give me my credit no issues. They also told me they couldn't process it faster because they are not capable of doing so which I have never heard of a company not being able to do so before. Milestone also informed me if I didn't want to wait that id have to use a third party money gram service so the funds would be available within the 1-2 business day process which was never stated to me when signing up for the credit card. I was also never informed that it would take 2 weeks from my initial payment date. This is absolutely absurd from a credit company.
02/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77578
Web
Incorrectly reporting late payments during pandemic under Cares act The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXXXXXX XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ). If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ).
08/10/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 44125
Web
I had persistent problems with this card and them changing the charges and re-billing it. The Account was under a zero finance promotion until XXXX. On XXXX of XXXX I went online to check my XXXX XXXX account, ( Genisis Credit card company ). The account was blocked and showed a XXXX balance. I didn't receive anymore statements from them until XXXX of XXXX. They deliberately block my account to make it look like I missed a payment. after calling and asking why they we're refilling the finance charges and why they wanted me to pay a minus payment of XXXX I couldn't get an answer. The one person I spoke with along with My son being on the phone, was the same person that stopped my statements before. She threatened to report my account to the credit bureau because she didn't like what we we're saying to her. So I've been reported as being late on a payment that showed a XXXX balance in XXXX of XXXX Now they are requesting a XXXX minimum payment on a {$1900.00} interest fee ( which Im still under the interest free until XXXX ), with a {$41.00} late fee. This has cause several problems with my credit. My minimum payments were less than the {$190.00} a month I was paying. If I could pay more I would.
09/22/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • AR
  • 728XX
Web
I contacted GENESIS CARD SERVICES several times about these two FRAUDULENT indigo and destiny accounts on my credit report are STILL here. I have never lived at the addresses associated nor authorized anyone to open anything with my information. When I spoke to them on the phone I was very clear and told them my name and social and also made them aware my information has been part of data breaches by XXXX and XXXX. Also the account number in their responses to me is NOT what is on my credit report at all. One account shows closed the other shows open but the account numbers remain the same on all 3 credit reports in which NEITHER was opened by me. The account says it ends in XXXX from destiny card / genesis. This is unethical on their end and absolutely NOT okay. I do not know what type of company this is, but this is absolutely madness and very much unethical practices. There is no reason I should have to keep repeating myself and having foreign representatives with language barriers constantly tell me the wrong information continuously after I have very CLEAR. I am attaching EXACTLY what is on my credit reports because it seems these people are playing games with my livelihood at this point.
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33610
Web
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
03/01/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • PA
  • 15068
Web
I applied for this card from a solicited contact from the company saying I was approved. I was approved for a {$700.00} credit limit and was aware of the interest rate when I applied. When looking at the terms, I always scan for the the fees and percentages. With nothing out of the ordinary, I completed the application. I used the card on several occasions and logged on to see my balance and was shocked to see a $ 175 yearly fee added. So my {$700.00} credit limit just became a {$520.00} limit. I contacted the card company and spoke with XXXX # XXXX and was advised that a fee amount was not provided but did say a yearly fee would be applied. Even after being approved for the {$700.00}, I was never told that the fee would be 25 % or {$170.00} or given the right of refusal. XXXX said the fee is determined later after the application. I didnt know until I looked at my account what that fee was. XXXX offered no compromises or rationale as to why I wasnt given the right to stop the application process when a fee was determined. They knew that they were going to be charging the max of 25 % but also they also know that the majority of people would not accept this offer if being up front and honest.
05/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • PA
  • 16066
Web Servicemember
I was running late on my monthly payment and called XX/XX/27 to see what my options were and set up payment arrangements. My main goal was NOT get a 30 day late since I'm trying to build my credit up. I paid as much as I could that day {$40.00} and arranged another {$80.00} payment XX/XX/XXXX. I was assured this would not give me a 30 day late. I repeated the question to sure there was no misunderstanding on my part that I would not incur a 30 day late and again was assured. Reviewing my credit information today and Milestone did in fact give me a 30 day late. I called and was told since I did not pay entire amount and why I got the 30 day late. I was either lied to or the employee did not know their job, I asked the question multiple times since that is why I called. I was happy that they helped to only find out it was all for nothing nd my credit took a huge hit and will have to pay XXXX more in interest costs on any new purchases that this and other banks will benefit from. American citizens are getting screwed every day and today was my turn. I'm disgusted with our banking system that always gets bailed out for their bad behavior at the cost of the ordinary citizen. Evil and wrong!
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60085
Web Servicemember
I saw an inquiry on my XXXX credit report that I did not authorize on XX/XX/2023. I checked my credit reports after I received some emails congratulating me on being approved for a new credit card. An inquiry from XXXX XXXX appears on my XXXX credit report now. I attempted to contact the company supposedly behind the issuance of the card and I am not certain that I made the correct move and that they were the proper contact. I can't bring myself to fully trust them or my efforts, so I am told by a XXXX representative to file a formal report. They want me to provide them a copy of the report so that they can proceed with their investigation. This company told me that they had not sent a card out yet, but if it is mailed it should not be active. I am quite not sure how that works. I immediately put a security freeze on at all XXXX credit bureaus. I hope that I will be able to remedy this as soon as possible. I have never applied for credit cards that charge annual fees and the interest rates are bad enough if you do not have stellar credit scores. In the future, I will maintain a security freeze on all my reports and I encourage others to do the same. Please assist accordingly. Thanks!
06/08/2022 No
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 93012
Web Servicemember
The company Indigo called my place of employment and told my employees that they have legal documents for me and that they need to get in contact with me. They left a number with the attendant to have me call them back. When I called the person switched me to my case manager who tells me that in XXXX I applied for a card and stop making payments and asked what was the reason. The person then continues and says that I defrauded this company for {$740.00} and that legal actions is being taken against me. He ask me what actions do I want to take to resolve the account. I responded to him that they are not supposed to be calling my place of employment. I requested his name which was XXXX XXXX. His number which was XXXX. I told him Im documenting the day of XX/XX/XXXX as the day this happened. I also documented the name given to my attendant which was XXXX and the number is XXXX. I told the man on the phone that Im going to take legal action. They called my place of employment as a scare tactic to force me to pay. In doing so, now have my employees gossiping about my legal issues which damage my reputation as a manager. Im hoping I still have a job after this. All for {$740.00}.
04/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33908
Web
XXXX opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, XXXX say sure, put it in. When I make a dispute, XXXX denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXXXXXX XXXX XXXX XXXX. I was I there for about XXXX months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXX XXXX XXXX pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from XXXX Again, a feral retail account that closed due to data breaches. XXXX help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.
09/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 750XX
Web Older American, Servicemember
On Wednesday XXXX I received a collection call on a credit card balance that I did not open. I was not told and do not know the balance involved. The company was Genisis Card Services, XXXX XXXX XXXX, XXXX, Oregon XXXX and I explained I never applied for this card and never received or used this card. I was asked to confirm my address and they did not have my current address, but instead an address I had lived at in XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). I then was transferred to their fraud department and I explained again the situation. I was skeptical about this call because I had a very difficult time understanding the person I spoke with ( accent ) and there was a dog barking in the background. I was told they would send out a letter explaining all the steps I need to complete, but as of today I have not received anything - letter or follow up communication. In addition, I get so many scam-type emails and text messages that I do not open and just delete. I did notice a letter " declining '' a credit card request from XXXX XXXX XXXX on XX/XX/XXXX ( reference # XXXX ) that was addressed to my old address. I really didn't think much of it at the time, but know I am.
07/08/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 92651
Web
On XX/XX/2022, I received an offer to settle my Indigo MasterCard account with Genesis Financial Solutions , Inc. for a sum of {$230.00}. I had an outstanding balance of {$650.00}. I knew that I wouldnt be able to afford to make a payment but the due date of XX/XX/2022, as is shown in the attached screenshot. Upon speaking with an agent, they informed me that I could make it past this date to close this account. On XX/XX/2022, I made a payment of {$230.00}. I spoke with an agent named XXXX, who informed me that this account would be shown as closed and settled. The confirmation number for this payment is XXXX. Unfortunately, I was then informed ( after XXXX business days and seeing this account still shown as open on my credit report ), that that payment was simply put toward the overall balance and not put toward closing my account. I was told, verbatim, that my account would be closed by XXXX, the representative. Furthermore, upon speaking with another representative after the XXXX days, I was lied to by the next representative I spoke to, and she said she didnt recognize the name XXXX. It is clear that this company is engaging in fraud and fraudulent tactics.
03/25/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 78641
Web Servicemember
A collection agent ( female ) identifying herself with XXXX XXXXXXXX XXXX XXXX is calling on behalf of an Indigo CB for a debt that she claims I/we owe of {$25000.00}. She threatened to call the authorities and is using tactics that are below the belt ( " you and your wife are fraud and will be in prison for the rest of your life. '' ) Every-time I tried to pass my attorney 's information to her, she'd hang up. She'd purposefully not want to hear it. I did see that she was calling from a cell phone so I texted it to her instead, hoping she does get it. The numbers she's called me on are : XXXX and XXXX I've never heard of XXXX XXXXXXXX XXXX XXXXXXXX nor have I heard of Indigo. She asked me about our business- to which I answered it's been going slow, but I wasn't sure who she was at first. She excoriates the person who she's on the phone with. I understand collections is a tough job but she doesn't let anyone get a word in edgewise, doesn't answer my calls back, threatens to have the cops over today to arrest me, and yells on the phone. Beyond that, her remarks are beyond harassment, I've never been talked to with such offensive language used towards me in my life.
08/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 22193
Web Servicemember
I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included an active account with FEB-Retail which was a consumer loan for home improvemen ( bath fitter ). I completed the program in XX/XX/2022 and paid all of my creditors in full including FEB-Retail. This account was negotiated and settled for a lesser amount than owed. All three credit reporting companies continue to report incorrect info including that the active status of the account is still charged off. On all three reports, the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full directly which I have confirmed with XXXX XXXX XXXX. Not only are they reporting an incorrect status, there are several errors and inconsistencies among all three reports. I am filing a complaint so that I can find resolve and understand as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered a debt relief program to begin with.
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23320
Web Servicemember
I have contacted these two companies several times in regards to validating information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, You are in Direct Violation of the Fair Credit Reporting Act has violated several of my rights. Please see following accounts below. Indigo-XXXX XXXX XXXXXXXX I have requested an application after I was advised from the customer service agents at the above companies that the application has incorrect information on this. I was advised that pay stubs were provided and I do not work for XXXX XXXX ( I havent work for them since XXXX ). US 15 USC 1681 Section 602 A. Clearly states that I have the right to privacy US 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without written instructions. US 15 USC 1666B : A creditor may no treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Please remove these late payments and account and update my credit report as you are in violation od several laws under The Fair Credit Reporting Act.
09/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 705XX
Web
I XXXX XXXX am in violation of my consumer rights pursuant to the FDCPA 15 usc 1692 by Genesis FS Card Services. 15 USC 1692b. ( 5 ) defines, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, Genesis FS Card Services used their company logo on each exhibit I've presented which is a violation of my consumer rights and privacy. 15 USC 1692e ( 2 ) ( a ) defines, The false representation of the amount of any debt. All circled charges are in the positive, if it is a debt that is owed like they " allege '', all charges owed should be in the negative. 15 USC 1692b ( 2 ) defines, not state that such consumer owes any debt. Genesis FS Card Services stated in letter that " This is an attempt to collect debt and any information obtained will be used for that purpose. '' which is in violation of my consumer rights and privacy. Genesis FS Card Services is in violation of The Fair Debt Collection Practices Act ( FDCPA ), and is now civilly and criminally liable.
06/16/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33196
Web
I made a special order through XXXX XXXX XX/XX/2021, after about two months I received a statement from my credit card company. I called the bank right away as I had been charged without any items being given to me. The bank opened a claim, they denied the claim due to the fact that they contacted the store and the same manager that charged my card in full instead of putting a hold on the card like the procedure for special order is. Instead I was charged in full and even though its been a year and i informed the bank, filed a police report, went to the store to try and get a return, spoke to corporate, sent proof of texts messages between me and the manager showing I did not have the item the bank has failed to fix the issue. They continue to report this to the credit bureaus and after over a year have no resolution, I have done my part and made countless attempts at fixing this and providing them with the information showing that I do not have the items, they are aware the manager who charged my card was fired from the company because of this same fraud to other customers yet they fail to fix my issue and continue to affect my finances tremendously.
12/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • FL
  • 33426
Web
I have given XXXX XXXX 's alot of business. I received a credit card from Genesis through XXXX I don't understand how my XXXX XXXX XXXX credit card has such a high minimum payment that always increases! I have other credit cards with a higher balance but a much lower minimum payment. It seems that they are misleading me everytime I make a purchase. My recent purchase of {$1600.00} was promised with no interest for a year. All of a sudden my minimum payment on my card went from {$270.00} to {$330.00} with no explanation by the company other than some supppsed investigation that is going nowhere. So far I'm being charged 29 percent interest on purchases that were all supposed to be 0 apr. The big one was for 3 years and the most recent one was for a year but it turns out I'm paying high interest this whole time. Bottom line is, I was lied to and mislead. Their promotional 0 apr interest rates have never been applied to any purchases and my minimum monthly payment increased for no reason. I literally have another credit card with another company with the same balance but higher interest and I'm only paying {$120.00} a month. Something isn't right.
05/24/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • GA
  • 30152
Web Servicemember
I applied for Milestone credit card around XX/XX/XXXX upon receiving a pre approval letter. I have yet to recv the card. I have a physical and a mailing address that were provided to them, I am receiving all my of important and junk mail at both addresses but still no card. I called in XXXX and they reissued another card on XX/XX/XXXX. After several weeks I called again, they reissued on XX/XX/XXXX. I called on XX/XX/XXXX spoke to a rep by the name of XXXX id num XXXX and she has ordered yet another card and has provided me with the last 4 of the account num XXXX XXXXMeanwhile on my credit report it is racking up fees, reporting XXXX of a XXXX balance. The company states they dont do expedited shipping or have any resolution outside of mailing yet another card. Im not sure what they are up to, but it should not take 4 months to get a credit card in the mail. This week I have also sent a certified letter to the credit card company as well as alerted the XXXX. I asked can they close and remove account from my credit report, they stated no it would show as a closed account. I have other major credit cards and this is by far my worst experience yet!
07/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 125XX
Web
See attached letter to Genesis, dated XX/XX/2023. A letter was received from Genesis on XX/XX/2023. However, the Genesis letter was dated XX/XX/2023 ( two weeks before my letter to Genesis ) and it referenced actions and changes, but failed to specify what those actions and changes were. Hence, the Genesis letter was unresponsive, unsatisfactory, and not in accordance with the telephonic conditions that Genesis agreed to on XX/XX/2023 and XX/XX/2023 respectively. I have not received any communications from Genesis in response to my letter dated XX/XX/2023. I provided a copy of my letter ( dated XX/XX/2023 ) to the XXXX XXXX XXXX XXXX XXXXXXXX of the Attorney General. The XXXX XXXX XXXX XXXX XXXXXXXX of the Attorney General sent me a letter on XX/XX/2023, which stated it would forward a copy of my complaint to Genesis and request a statement of Genesis ' " position and possible adjustment. '' I haven't received any subsequent correspondence from any party. When updating my FTC Identity Theft Report on XX/XX/2023, it prompted me to file a complaint with the CFPB ( since my letter to Genesis did not solve the problem ). Hence, this complaint.
04/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IA
  • XXXXX
Web Older American
I received a letter on XX/XX/2023 from Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX saying they had put a block on my XXXX XXXX Account. I do not have this credit card and have never applied for it. The letter asked me to verify my identity by sending them a copy of my driver 's license, identity card, passport, military ID card, or permanent resident card. It asked me to mail a copy of the document to them at the address above or fax it to XXXX. It said if you have questions, call XXXX. I just ignored this letter since I didn't think this company was legitimate and making contact with them would give them more information about me that I didn't want to give them and I wasn't going to send them my personal information. It also says the XXXX XXXX account is issued by XXXX XXXX XXXX Member FDIC and serviced by Genesis FS Card Services , Inc . Today in the mail I received a bill from Genesis FS Card Services for the amount of {$76.00} for my account. It says {$75.00} of this amount is for " Annual Fee '' and {$1.00} is for " Credit Protection Fees '' for a total of {$76.00}. I have never authorized or received this credit card.
05/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91766
Web
FEB/Destiny - Pulled a hard inquiry for a credit check. I did not authorize this credit inquiry. I was unaware that this inquiry was on my credit report with the 3 credit bureaus. [ [ [ [ My last name at the time the inquiry took place was XXXX ] ] ] ] I have since restored my name back to my maiden name XXXX XXXX XXXX I have attempted to contact the company to let them know this hard inquiry was not requested by me and was most likely fraud, but the contact number on the credit report is not in service. I contacted the credit bureaus and they suggested I file a complaint with FTC and also mail the credit bureaus a letter disputing the hard inquiry with a copy of my drivers license. I mailed out those letters this morning, Tuesday, XX/XX/XXXX. Here is the information of the company that ran a hard inquiry : FEB/Destiny Inquired on : XX/XX/XXXXXXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Any assistance in having this inquiry removed from my credit report is greatly appreciated. This has caused a drop in my credit score. Thank you, XXXX XXXX XXXX ( Formerly XXXX ) ( XXXX ) XXXX XXXX XXXX
08/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32771
Web
I have a milestone credit card. I did not remove the auto pay and link to my bank and it kept popping off my account. They accused me of removing it. I did not. I got a late situation XX/XX/2023 and a manager helped me waive charges, pay a huge fee to fix and get a head and confront the auto pay situation etc. She was going to reverse and fix the late reporting etc to credit bureaus on recorded line. I feel she lied to me that this was not done.. I reported XX/XX/2023 to complain.. just now XXXX XXXX at XXXX and XXXX only apologized for them dropping the ball and said investigation still under way. I said I am not trying to sue you but I will report you if you dont fix this and do have access to lawyers as this is lying about me and incorrect reporting as it was to be fixed .. nothing bad showing up on either credit for ever due to some glitch ... I want all bad stuff aobut me these 2 credit cards reversed asap .. as I am trying to buy a house in this horrible housing market. This will really hurt me,, have reported to XXXX XXXX to fix all the bureaus to no avail .. getting with you and soon fca and having lawyers send a letter soon
09/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MO
  • 63301
Web
I have been repeatedly contacted by a XXXX XXXX on behalf of a Milestone Mastercard account that I have been trying to dispute. My brother did a lot of fraud and identity theft on family members, I'm not sure this debt is mine and have asked for confirmation in the past. I never get it, and they stop chasing me a while. I moved almost two years ago. I was contacted today saying that they have sent legal documents for proceedings against me. I told the person that I haven't lived at the address they were sent to for some time. I get bumped up to what I am told is a legal case XXXX, who proceeds to tell me that she refuses to allow me to contest the debt as she is already in legal proceedings against me over such. We wind up in an insult match where she tells me that she will have me in court and take money from me regardless. This is heated, unscrupulous behavior. This agency knows full well that I have attempted to refute this debt on every occasion they have contacted me, and now that they know I have not received the filings sent to me are still trying to pursue this debt I ask to contest. I need immediate assistance please.
04/15/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • OH
  • 440XX
Web
The new companies name is " Genesis FS Card Services ''. When starting to build my credit years ago i had signed up for these 2 credit cards that were owned by a different company. Each only had a {$300.00} limit with no annual fee. I obtained these cards simply to sit on and build up my total credit limit. Now several years later a new company has acquired ownership of the Indigo and Milestone cards. I suddenly started getting bills for a {$100.00} annual fee per card that i never signed a contract for. I tried to go onto their website to pay the bill/cancel the cards but all of the links on the website are dead. My bank will not connect to this website to allow me to attempt to pay this bill and the 2 phone numbers provided on their website are disconnected. I am not sure what to do in this situation, i would have never signed up for a {$300.00} limit card with a {$100.00} annual fee as i have 4 other credit cards with limits over {$3000.00} that have no annual fee. Here are the websites i am expected to pay the bill from, but they are non functioning and custom service is non existent. XXXX XXXX XXXX XXXX XXXX XXXX
02/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • PA
  • 19140
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Milestone On XXXX applied for The milestone Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
06/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19050
Web
My Mile stone card was used through my XXXX account. Since the charges was not me they refunded the money. However ; they later said that paypal confirmed it was me. I checked with XXXX and they said that it is not true and that my credit card company reported that they reimbursed me the charges. The credit card compant keeps saying XXXX said it was me. However ; I let XXXX know that it was not me and they also reported that they could not get intouch with the compant that I said purchased something from them and nothing was mailed to me. I have called the credit card company several times and get a non english speak or the phone hangs up. I confirmed with a rep that they never verified to the credit card company that this was me. This credit card company is completing theft by deception. Below is what XXXX has on file Case status : Under review We were notified by your financial institution that you filed a case for a payment made on XX/XX/2023 at XXXXXXXX XXXX EDT. There is no action needed from you as we review this case. Contact your financial institution directly if you want to cancel this case or need more details.
01/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11213
Web
INDIGO-XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
01/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11213
Web
FEB DESTINY is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
05/20/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MO
  • 64118
Web Servicemember
This credit card showed up on all XXXX credit bureaus and they sent me an email message informing me that my online bill was ready to view, that is how I found out about it. I contacted them via phone and by USPS. When I spoke with a representative on the phone on XX/XX/2022 I was assured that this account would be closed and a confirmation letter was to be sent to me via USPS. I never received a confirmation. The credit card is a XXXX. The company information is listed below, none of my PII is included. Milestone Mastercard XXXX XXXX Card Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I have frozen my credit reports and established an account with identitytheft.gov where I sent them the initial letter provided by the .gov account. I have received no correspondence and no communication from this card service. I dont have the full account number, when they sent notification via email they only included the last four digits of the account number. The only charge that was on the account when I received the notification via email was for the annual fee of about {$100.00}, but I do not want this to escalate.
08/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 93277
Web
I have a milestone credit card through Genesis FS Card Services. I have made multiple payments and I have paid the card off remaining balance on XXXX XXXX. I am also on auto payment plan. On XX/XX/XXXX the payment was reversed but the money was not refunded back to my bank account.On XXXX XXXX I received a text message stating my payment was past due. Upon further investigation into my payment history I noticed multiple payments being reversed but are not being refunded back to my bank account. Another attempt to pay off complete balance was made on XXXX XXXX with the payment being reversed XX/XX/XXXX. So clearly this is not the first time this has happened. On top of all that I am being charged late fees. I called Genesis FS card services on XXXX XXXX and spoke to customer service rep by the name of XXXX. He claims that my claims were reserved due to insufficient funds which is completely inaccurate. XXXX also claims that Genesis can take up to 14 days to take payment, which is also inaccurate especially since the payments are taken from my bank account within 24 hours. This seems to be an ongoing problem with them
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11210
Web Servicemember
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " personal information. Name reported. XXXX XXXX* Addresses Reported. XXXX XXXX XXXX. XXXX XXXX XXXX, N.Y XXXX Account. XXXX - MILESTONE {$920.00}, 120 + DAYS LATE* XXXX XXXXXXXX XXXX 30 - 59 DAYS LATE* HARD INQUIRIES. XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 2021 Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
12/22/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CO
  • 80015
Web
I have an Indigo credit card by Genesis FS. Ive had the card for one year. The minimum payment has been {$40.00} every month. I have not used the card since XXXX. They added a {$99.00} annual service fee in XXXX. The limit is {$300.00}. The balance is now {$360.00} bc of their fee. The minimum payment went from {$40.00} to {$100.00}. The people in XXXX are telling me I overdrafted the card bc its over but its their fee. The minimum should still be {$40.00}. It should not skyrocket to {$100.00} because of their annual fee. I asked the guy in XXXX if I just pay {$68.00} to get the card under the limit will that work but I dont want my credit report being hit with a late. HE DIDNT KNOW WHAT A CREDIT REPORT WAS. This is absurd. How is that possible? This is predatory. They shouldnt be able to do this to people with bad credit, who are their clients. Im trying to rebuild my credit. They shouldnt be allowed to do that and they should have people working for them with basics knowledge of how credit reporting works. Ive attached my balance statement. The payment history of {$40.00} a month and the {$99.00} annual fee.
11/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30058
Web
On XX/XX/XXXX I paid my XXXX XXXX account off. it is showing paid in full. I paid my XXXX account off in the same month in XXXX. It is also showing paid in Full both accounts are closed and the XXXX stores are closed across the country. Another account XXXX Bank Paid in full sold to XXXX and XXXX, PL. XX/XX/XXXX Affiliate name : XXXX XXXX acct number ending in XXXX File number XXXX DEBT PAID IN FULL I FILED BANKRUPTCY IN XXXX XXXX XXXX IN XXXX COMPLETED THE XXXX XXXX, XXXX XXXX, THER HAS BEEN SOME CREDIT CHALLENGES OVER THE YEARS BUT MY CREDIT IS MY LIVELY HOOD. THERE WERE PERIODS WHEN MY DEBT SUPER CEEDED MY INCOME AND I WAS IN BETWEEN JOBS FROM XXXX OF XXXX THIS CAUSED A DECLINE IN MY INCOME AS WELL AS LACKING THE FINANCIAL MEANS TO COVER SMALL EXSPENSES. MY XXXX XXXX IS SHOWING ON THE CREDIT REPORT AND DUE TO THIS I AM UNABLE TO SECURE HOUSING OR OBTAIN A XXXX INTEREST RATE IN THE EVENT I BUY A HOME. MY CREDIT SCORE SEEMINGLY STAYS IN THE LOW 400-500 AS THIS HAS BEEN THE CASE FOR MANY YEARS NOW. THIS IS UNFAIR PRACTICE WHY IS IT NESSCESARY FOR A DEBT TO LINGER AFTER IT HAS BEEN PAID PENSES
04/22/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30528
Web
I, XXXX XXXX tried to get Gensis Retail to fix the 30 day late on my credit report from XX/XX/2022. They removed the late fee however, never took the actual 30 day late off. I have tried talking to them on the phone and they were " not '' very nice and their corporate office refused to help as well. They only care about, their money and not, their consumers well being. I tried making a payment via, the phone and couldn't get someone to handled it, properly and they admitted that, they were having issues. I currently, have an online account to pay my bill and do " not '' trust them over the phone at all. I have only XXXX late with them on XX/XX/2022 and want it, to be removed since, their company is not trustworthy in doing what, they say they are going to do. They never called me to tell me, that the payment didn't go through or they had they had the wrong account number and etc. There was over $ XXXX in assets in that account ... .. NEVER called me to tell me that, there was an issue at hand. Please help me... I am so frustrated with them and them not caring about, their consumers at all. Thank you.
10/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94561
Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
03/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 750XX
Web
hello I am reporting my credit card company CBINDIGO acct # XXXX for reporting incorrect payment history/ balance due on all 3 credit agencies. I have sent in dispute letters asking them to update the late payment they have reported during the pandemic/ financial hardship. I am under the credit card credit protection plan which stops them from reporting missed payment and they are not honoring there own policies. They are not following the consumer laws 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I will like this information updated on all 3 credit agencies as to this is stopping me for getting a mortgage and buying a home. they also reported a missed payment after being on autopay for a yr because they sent out a new card to replace my old card which I have not received so they froze my account not make any payments because I had not activated the new card. I had to call them for them to issue me out another card. please tell me how is this legal knowing that they are reporting incorrectly
07/11/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32065
Web
When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. CB INDIGO/GF ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( CB INDIGO/GF ) Making the report is NOT INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
09/12/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • UT
  • 84770
Web
I have 2 credit cards through a parent company Genesis FS ( Milestone MC and Destiny MC ). I made an ACH for both accounts on XX/XX/XXXX, and both cleared my cleared my bank account on XX/XX/XXXX. Only the Milestone MC payment was applied to that account. I called the customer service number for Destiny MC ( XXXX ) today, XX/XX/XXXX to see why my {$49.00} payment wasn't available to use on my account even though it's been withdrawn from my bank account and shows posted to my Destiny MC online account. The agent didn't give me a proper explanation, so I asked to speak to a Manager. She stated it takes up to 14 days to post to any account to " verify '' bank accounts and funds. I said that is ridiculous, both payments were withdrawn and posted to my Milestone MC and Destiny MC accounts on XX/XX/XXXX from the exact same bank account, so that's impossible. I told her what they're doing appears to be unfair and possibly illegal since I don't have access to my Destiny MC yet they clearly have the funds and I'll report them for unfair credit practices. Thank you in advance for your assistance.
09/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NJ
  • 08873
Web
I applied for an indigo card. Initially to help build my credit. They only provided a lousy XXXX credit limit which is nothing. They charge all these ridiculous fees just to get the card. I actually with my improved credit got cards with higher limits so i did not need this card. Besides the interest rate is horrible, i closed the card. I called them and closed the card. I got a statement showing i got a late payment fee. If i closed the card, why are they still charging me late fees. They are now here claiming the balance is XXXX with a minimum payment of XXXX due. And they are reporting to my credit reports that the payment is late dropping my credit score. This is not fair and i believe it is illegal. Nevertheless this is wrong. Just because i do not want their horrible low limit credit card does not give them the right to mess my credit up and this needs to be fixed. They are using predatory pactices and preying on people trying to get more money from people. I worked hard for years to improve my credit score and i will not let some company come damaging it with their practices. No.
01/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • UT
  • 84070
Web
Credit card was opened with this bank in XXXX of XXXX. The account was closed in XXXX of XXXX by the provider. Despite repeated attempts by me to make payments ( and confirming my account information ), their system kept trying to pull the money out of my Checking account when I indicated multiple times to pull the funds from Savings. I spoke with a representative who confirmed the issue, and I was told I could not make any payments by debit card to resolve the issue. The bank closed the card on XX/XX/XXXX for returned payments however I received no notification of the account closure or pending closure. I did receive a letter in XXXX of XXXX that the card terms had changed, and I continued to receive statements, however there was no correspondence of any kind that my account was closed on those statements or when I log into my account on their website. When I spoke to a representative on XX/XX/XXXX about my payments on she did not tell me the account was closed. I spoke to a representative on XX/XX/XXXX who confirmed I did not get any letter or notification that the account was closed.
11/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77346
Web
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEB-GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
01/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 32244
Web Older American, Servicemember
I have a Genesis Bank Indigo Mastercard that is holding all my payments as I pay it off frequently for 2 weeks stating this is to verify funds when they are all worldwide verified within 7 business days easily, and if not you can show proof that this payment has cleared your account or have a 3 way call with your bank to verify these funds have cleared. This is an illegal act for holding money and charging more interest on the balance for days that the Card Balance has been paid off. I have contacted them every time I have sent in my full balance payment as to why these funds have not been allowed towards my account. Always getting the same answer by them This is our business policy to hold funds for up to 14 days. Which is by Federal Law illegal to do. I have another Genesis Bank Card by Milestone which it seems they do not use this illegal tactic used by Indigo. This needs to stop or I will file a Civil Class Action Suit against them as this is breaking several Banking and Finance Laws. Please help me correct this by taking action against Indigo Card Services backed by Genesis Bank.
08/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 30047
Web Servicemember
On XX/XX/XXXX a payment was made by ACH and applied to the Indigo Platinum Master card account for {$300.00}. On XX/XX/XXXX the funds cleared the ACH account and were no longer available. Indigo is a registered trademark of Genesis FS Card Services , Inc . When contacting the customer service line, the representative advised that the funds had been applied to the account but will not reflect for 3-14 business days. This means that the funds had be taken from my bank and are not in an interest barring account for 3-14 before they are applied to my account. This was not disclosed upon opening the account and I would not hav opened the account if I knew that they would keep funds for 3-14 days before applying them to the account. They are collecting interest off funds that are not applied to the customer account for weeks at a time. I believe the accounting procedures and interest accumulated from these practices should be investigated on all levels. They should also be required to share the amount of interest they are earning by holding these funds to all customers on a public platform.
12/06/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MA
  • 01841
Web
I received my XXXX statement and noticed that my balance increased by {$3500.00} and my minimum payment of {$380.00} increased to {$660.00}. When I reviewed the charges it was for some purchases that I was already charged for back in XXXX of 2022. Which means that I was already compliant and my payments were going through. When I called the company they said that changed banks and that it was an error on their end. I stated that I was upset because this hit my credit. It affected my credit by showing that this card was maxed out and that was not the case. I also asked them to fix my monthly back to the regular amount of {$380.00} before my automatic payment is withdrawn. I explained to them that they are not allowed to take out more than what I agreed to pay monthly. They said they will submit the dispute and my payment should stay the same. When they day of the payment arrived they took out the {$660.00} which was the error they made. When I called to get answers they said that they saw the mistake and apologized. I asked how this was going to be resolved and they hung up on me.
10/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92551
Web
dear cb indigo, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. XXXX XXXX : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Sincerely, XXXX XXXX
08/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • MD
  • 21114
Web
Genesis Card sevices, which I have a account with on another Card Milestone unknowest to me send me a credit card under the name Desitny Credit Card, While I reviewed my credit report on XX/XX/XXXX I saw a balance of {$75.00} from Destiny Credit Card, I call them the same day and reported this to them. They told me I must have applied which I stated I did'nt they said that was a proccessing fee the {$75.00} even if the card has never been recieve or activated, at this time a supervisor came on phone and stated that this matter would be resolved. Upon checking my score XX/XX/XXXX I saw the charge still on my report. I called and talk to a foriegn agent and was told there is nothing that can be done and I have to report fraud, mind you this Desity card has never been activated.Question I ask was how can this be, that am being charge {$75.00} for and card not activated and one I never applied or recieve. Am filing this complaint so that people won't be trap in paying this fee. The have all my info due to I have a account with Milestone. Please avenues I have to resolved this matter.
07/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • AZ
  • 851XX
Web
Credit card with Indigo seviced by XXXX and XXXX XXXX XXXX. I have only used the card 1 or 2 time and was under my balance at all times. I made payments on time and then was told to make a payment of {$170.00}. I told them I could not make that type of payment but would set up a plan to pay {$50.00} on the XXXX of each month and on the XXXX of each month. I made these payments direct withdrawal. My problem has been because I could not make the XXXX they have continued to charge me a late fee every month for the last 6 months and have reported to my credit card rating which has taken my score to the depths. They have collected interest on this amount as well as one of the {$50.00} payments XXXX goes to late fees. I want to get out from under them but they way it is going it seems to be an impossible task.I am a XXXX year old woman on a fixed income and have always keep my payments current. This company makes it almost impossible. Any help would be greatly appreciated. Thank you so much XXXX XXXX . The Indigo cards last 4 numbers are XXXX and my email address is XXXX. phone # XXXX.
02/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 335XX
Web
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX CB Indigo/ GF Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section A states I have a right to privacy. 15 U.S.C. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • NY
  • 11385
Web Older American
I was accepted and supposedly issued a credit card on XX/XX/2023. The card was never sent. Supposedly on XX/XX/XXXX a second request was issued by the company to have the card sent. I was told their " back office '' doesn't accept calls from them so they had to send an email. They never received a response.I have called regularly since the beginning of XXXX speaking with numerous representatives and managers. With every call I am told they are sorry but there is a shortage and delay of cards and there is nothing else they can tell me. No one can tell me when I will receive this card. The last two managers I spoke with said it would be issued within the week. Obviously, those were lies to keep me from calling for awhile. I need this card to make a purchase in two weeks but can't because I have to physically receive the card and activate it first. It has been one month since this ordeal has begun and after more phone contact with them than I can count am still being told the same lie with no idea of when this card will be sent. I would greatly appreciate your help in this matter.
07/31/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 190XX
Web
In early XX/XX/XXXX, I noticed a few inquiries on my credit report that I didnt initiate. One account was opened with Genesisfs Card Services, which services XXXX XXXX. Around {$1000.00} was opened, and a {$990.00} purchase was made on XX/XX/XXXX - the company provided me the receipt but most of it along with any supporting documents were not legible. I also filed a police report with XXXX XXXX ( my hometown ) around the same time, but requests to them were not successful and they couldnt find a record of my report. In XX/XX/XXXX, Genesis sent me a letter stating the case was not found in my favor due to receipt and their ability to contact me at the listed address. Exact written reason was : Billing statements and/ or written correspondences have been sent to you at an address you confirmed as your current or previous address. Documentation supporting our investigation is enclosed ( but not readable ). Merchant provided records confirm delivery at your current or previous address. Please help resolve this, as I did not authorize this or request a XXXX XXXX credit card,
05/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 14226
Web
Problem with available credit not being updated in a timely fashion once payment was made. On XX/XX/2023 I made a payment of {$300.00} to my Indigo Charge Card account. Indigo is processed /managed by Genesis FS Card services. On XX/XX/2023 Genesis withdrew the fund from my checking account. As of today, XX/XX/XXXX the payment has posted to my Indigo account but the available credit has not been updated. I called Genesis and was told that the update to available credit will not be done until XX/XX/XXXX. This is 14 days after payment was made and received by them. This is excessive in todays electronic age where transactions are completed in most cases in real time. Also, nowhere on their website or the bill from this company does it state this policy. I was also told that this is randomly applied so a consumer has no idea when their payment will result in credit being available. This is just wrong and predatory behavior on their part since they are dealing with consumers with less than perfect credit or no credit who are just starting to build their credit.
10/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MD
  • 21117
Web
On XX/XX/XXXX, I received a call from Genesis FS Card Services regarding my account being past due. I provided the representative with my bank information. On XX/XX/XXXX I received an email that the payment did not go through at that time another late fee had been charged. I called Genesis FS regarding this matter and they stated the account number was invalid. I contacted my bank and they stated they did not see the payment pending or attempted. I then called Genesis FS card services to inform them and requested the previous call be reviewed as I provided them with my bank information directly from my bank website. On XX/XX/XXXX I then called Genesis FS as I did not receive the requested mail statements for XXXX XX/XX/2022 as I requested. The representative advised me my account was set up only for electronic, I informed him I have been having issues with the website since opening this account and have tried to resolve this back on XX/XX/XXXX when calling. I am very frustrated with this company and as a consumer it should not be this hard to get help paying a bill.
12/17/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30058
Web
These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high To continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life.I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
07/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • GA
  • 30144
Web Servicemember
On XX/XX/XXXX, FS Genesis Card Services issued a system generated replacement credit card ending in XXXX. When I XXXX XXXX called in to speak with an agent, I was told that t6he system generated the card on XX/XX/XXXX. On XX/XX/XXXX, I called back after speaking with the post office being told that the piece of mail had not been received by the USPS. I was then told by FS Genesis that I would have to wait 2 more weeks and being frustrated with me the agent hung up on me. I called back and XXXX, another agent told me that the first card was never sent due to a system error. He told me that a new card had been reissued on XX/XX/XXXX. He proceeded to tell me that as it is only 5 days from that date, that I would have to wait a full 7 to 14 days to receive the card. The issue that I was told that prevented the card from being shipped after the final call on the XXXX of XXXX was that FS genesis card services was short on card plastic. Prior to this, all agents were telling me that the cards were in the mail already and that I would have to continue to wait for the card.
02/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89131
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19139
Web
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1581 USC 1681 XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States that I have the right to my privacy. 15 U.S.C 1681 Section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account with out my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person Shall not furnish any information relating to a consumer to any reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.
04/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33809
Web
I received an Email and then a phone call from XXXX XXXX XXXX indicating that I owe {$890.00} for a XXXX XXXX XXXX account XXXX an account I've never had, much less any bill in that amount. I know which credit cards I had and which bank account I had, neither of which belonged to the above-mentioned bank or credit card. At XXXX point, I recall getting a notice regarding Indigo a few years ago. It was indicating I owed monies. I responded informing them it wasn't mine and to please stop contacting me. I also put this same response on my credit reports, as well. The notifications ended and thought it was done until this email this morning from ; XXXX XXXX XXXX. I've had my identifying information stolen twice since I was XXXX and robbed. My youngest brother and I have almost identical social security numbers, our last number is just one digit off from each other. I thought I had taken care of this issue... This morning has proven not to be so. Sending an Email is definitely unacceptable communication! Other people can open or hack Email accounts!
06/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • GA
  • 30306
Web Older American
I am having a problem with a financial company ( not a bank ), that offers Credit cards to the public. My initial card was a MILESTONE card. I had been making my payments on time, every month. All of a sudden, in XX/XX/XXXX, they started allowing LIMITED ACCESS, to the card. When I asked why, they told me my access, had been restricted, except for making payments. When I went to the website, and checked my statements, I found, that someone in their organization had listed/changed my account address to TWO different addresses in XXXX XXXX XXXX I live in XXXX XXXX! And, I contacted them, in XXXX & XX/XX/XXXX, to complain about this.They first told me : that they reactivated the account. But, I was ONLY allowed to MAKE PAYMENTS, to the account! Then, in XXXX or XX/XX/XXXX, they told me : that I could only continue to make payments. So, I applied for a different card, not knowing that they were associated with the that new card, as well. So, after submitting my application for the new card, it was DENIED, because it was affiliated with this same company.
06/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23504
Web
I saw these companies have hard inquiries on my report that I did not apply for my identity was used to apply for credit the name of the companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX
04/03/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19403
Web
I closed on my new home on XX/XX/XXXX. I immediately started notifying my creditors of my new address. I received a collection call from Genesis F.S. card services informing me that my XXXX payment was delinquent. I told her I had paid all my bills. I asked her if statement had been mailed. She said they received my change of address but they were waiting for me to call before they approved changing it. I've never heard such b.s. but okay. I paid my delinquent XXXX paint as well as my XXXX to bring account current. I asked her if my account had been reported 30 days delinquent. She said yes. I asked for correction to be submitted. She said ok. I then made payment of {$1100.00} to pay account off. I did follow up call on XX/XX/XXXX. Spoke with XXXX. Td him I was following up on cbr correction. He said he sees in note request was sent but takes 30 -60 days. I asked for letter to be sent for me for my records. They sent me a letter basically asking me why do I want cbr corrected. I fell as though this company is using unfair tactics to abuse customers.
10/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89048
Web
I have called Genesis FS Card Service about they keep billing me and I do NOT have their credit card, When I first got it, I cut it up because I didn't want to use it. They keep billing me and I haven't been the one who is using this account. Every month they keep billing me and I told them that I don't even have their card and asked why they keep sending me a bill. I have been paying every month but this has got to stop. I even told the man that he should look into this because I have NOT been using this account. I just received another bill and my last supposed to had been {$29.00}, and I paid them and wrote on the bill, PAID IN FULL but I keep getting bills from them. The only card that I ever use is my Debit card from XXXX XXXX so why are they people keep sending g me a bill over and over again. I told him to close this account but they haven't, they just keep sending bills to me. The man was very rude when I tried to tell him that I do NOT have their card or charge anything to that account. He just got smart with me and told me to keep paying.
06/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60506
Web
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have an account that I am not recognizing or is in accurate and it is on my credit report. It needs to be removed immediately short about us that is not supposed to be reporting on my credit report. It is in accurate. It is a strict violation of law. reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
12/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • DC
  • 20019
Web
Hi XXXX XXXX, We have noticed transactions on your Milestone MasterCard Account ending in XXXX that indicate unauthorized activity may have occurred. Please choose the appropriate response below to confirm whether or not you authorized the following transaction ( XXXX ) or call us immediately at XXXX. Date $ Amount Merchant Name XX/XX/26 XXXX XXXX XXXX XXXX null These transactions were performed by me, or someone authorized by me to use my card. These transactions were NOT performed by me or someone authorized to use my card. If you have already spoken with us regarding this matter, please disregard this email. Please don't hesitate to contact us with any additional account needs. You may not be able to make purchases on your Milestone MasterCard Card until we hear back from you. Sincerely, Genesis FS Card Services XXXX XXXX XXXX XXXX ( Available XXXX Eastern Time ) *Note : If a dollar amount is not identical to what is shown on a transaction receipt, this may be due to a pre-authorization, which has not yet posted to your account.
02/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • AZ
  • 85201
Web
I normally pay my Milestone Credit Card bill online and or over the phone since I received the card. I have not had any issues with billing or payment until recently, from XXXX to XXXX I paid over the phone until today the XXXX, XX/XX/2022 I logged in and saw returned check fees. I do not have auto pay set up and never do with any of my cards, so I go into the manage autopay feature and it is not on or showed that there ever was one set up. So I called customer service to talk to them about this and all I got was argumentative statements stating I did this. But the thing is that I was still making my payments and did not notice this because they were hitting an account I don't use and don't have access to anymore. I used that account initially to open the credit account but that is it. Now they are fighting me on the charges and will not help when this is not my doing at all. I asked for proof and they said they can not send proof to me. I don't know how or why this happened but I am not responsible for that and the treatment I got was the worst.
07/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 24541
Web
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. XXXX XXXXXXXX XX/XX/2021
10/21/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92707
Web Servicemember
There were three charges on my XXXX XXXX credit card that I did not make. Two were made in the amount of {$110.00} and {$110.00} on XX/XX/2022. The third charge was made on XX/XX/XXXX in the amount of {$130.00}. I contacted the credit card company, Genesis FS Card Service back XX/XX/2022 when I first saw the fraudulent charges. The operator on the line said they will be looking into the matter. I looked on my account statement on XX/XX/XXXX, with Genesis FS Card Service for XXXX, and had seen there was a " Purchase Reversal '' done on XX/XX/XXXX for all three charges. Right about that, XX/XX/XXXX was able to be seen, and it showed all three charges on my statement again showing up as " Sale ''. I contacted the credit agency, the operator on the line said they were still looking into the matter. Three days later, I received a letter in the mail from them stating that they " were unable to resolve the matter in my favor '' since the charges were " reversed '' on XX/XX/XXXX, when they showed up again as " sale '' the following day on XX/XX/XXXX.
06/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AR
  • 728XX
Web
I found this GENESIS CARD SVCS company on my credit report with 2 different cards. A destiny y and indigo. I have never heard of this company until now. I contacted them and made them fully aware of the situation and that I never authorized any accounts under my social to be opened with them. As well as I never lived at whatever address they have listed. I spoke to 2 managers in which one of them stated to me the former rep never properly marked it as fraud. They said she just closed it and did nothing. Else so he proceeded to properly file the accounts. This is not okay and I should not have to go back n forth with this company about this when I have other accounts also that have been fraudulently opened under my social due to the XXXX and XXXX date breach my info is on the dark web. All other company have promptly taken action to correction this plaguing problem. But GENESIS is still giving me the rub around. REMOVE ME FROM YOUR SYSTEM and DELETE THESE ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY! You are damaging my livelihood with FRAUD!
04/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32084
Web Servicemember
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
02/02/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • VA
  • 23601
Web
Recently, I, XXXX XXXX, was denied an extension of credit by Destiny XXXX Card. On XXXX XXXX, I applied for Destiny XXXX Card. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ) .Destiny has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Destiny should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
04/18/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NJ
  • 07470
Web
I had made a purchase at XXXX for a couch using Genesis credit card on XX/XX/2022. The couch was lost in transit. I asked for a full refund, as the item was no longer available. the refund was processed XX/XX/2022. XXXX provided bill indicating Genesis Credit Card, received the payment back. I called Genesis credit card to ask why do they keep charging me for a credit that was already paid back in full. I sent Genesis Credit Card a Fax with the bill confirmation that they accepted the payment from XXXX. Genesis, says it takes them about XXXX weeks to received a fax. I called and still no update. So, I mailed in all the documentation including, proof of fax, proof of payment return, email confirmation from XXXX. These documents were mailed to their address : Genesis FS Card Services, po box XXXX, XXXX, XXXX XXXX via certified overnight mail and they received it XX/XX/2022. I keep calling and they see a dispute has been open and they always place me on hold for over an hour every time. Basically, until I get tired and hang up.
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 14609
Web
I had an account with Indigo. ( account # XXXX ) on XX/XX/2023 I paid and settled this account. Since this payment was made my credit reports reflected the status of this account as Paid in Settlement. On XX/XX/2023 there was a dispute with this account. After the dispute the status of this account was changed to reflect the status of this account as Charged off which it should not, as this was paid in settlement. This is causing a huge issue for me, as I have mortgage lenders looking at the status of all of my accounts.I reached out to Indigo ( now known as XXXX XXXX ) and spoke with an account manager named XXXX who confirmed that the account is in fact paid in settlement and she does see the payment made, However she stated that they will not update the status of my credit report. She gave no reason as to why they wouldnt accept that they never do it. This is ridiculous and a violation of my consumer rights under the FCRA which states creditors are obligated to report accurate and verifiable information to the credit bureaus.
06/08/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 782XX
Web
XXXX XXXX XXXX XXXX acct XXXX the original creditor so the account which is not account that I-opened I never lived at the address they have on file. I have filed a dispute with all three credit bureaus and since police report of my information being stolen due to a break-in in my car for my personal information was in last year in 2022. I have asked XXXX to remove all addresses that are not mine however they express that I have to go through the consumer financial protection bureau to dispute mine address and creditor needs to send me proof of original contract with my signature on the loan. They have recently got a hold of my new address not sure how however they recently started contacting me in regards to this account that is not mine I refuse to pay for an account that I did not open unless they show me proof that this is an account that I opened I am not liable to pay the account. XXXX told me to contact you in regards to disputing my issue with this credit company or a loan company. Help me resolve this issue thank you.
10/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 342XX
Web
On a XX/XX/2022 and again on XX/XX/2022 a company called " Genesis Financial Solutions '' withdrew money from my bank account with no authorisation or remit to do so. Both transactions were underwritten by a company called " XXXX ''. I was able to stop payment on the fraudulent transaction dated XX/XX/2022 with my bank. However I was recovering from major surgeries and missed the XXXX transaction. I have contacted both XXXX and Genesis Financial and neither company are prepared to assist in any way, despite having given both companies all the relevant information and attempted to lodge fraud complaints with them. Genesis are the final recipients of the stolen money, but they were facilitated by XXXX. I have attached screen shots of the two transactions but I am unable to provide any more information as that is all I know. This is clearly fraud, and I would appreciate any assistance in not just recovering the stolen money, but ensuring these companies can not merely steal money from apparently random accounts on a whim.
03/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90302
Web
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC1681 section 602 states I have the right for privacy.15 USC 1681section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose. Creditor XXXX XXXX XXXX Reported Late Payment payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : CB Indigo Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX XXXX Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX XXXX
04/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34677
Web
Hello I have been contacting Indigo XXXX XXXX for a few months now. Last time I used the card was XX/XX/2021 with a XXXX balance. I login to their online portal it shows {$0.00} balance I have screenshots and it also shows the last statement was in XX/XX/2021. I contacted them last month because I received a letter stating I owed {$250.00} when I shouldn't owe anything. Due to this card my credit has been dropping significantly and has been affecting it. When I called I expressed my concerns to the Rep at Indigo than requested a supervisor. When I spoke with the supervisor she said she would open a dispute with the Credit Bureau so they can investigate. I look at my credit report and now it still shows I owe {$250.00} and Im late the past three months. Yet I had requested a new card three months ago still havent received it nor has there been any transactions. I am not sure what else to do. I have been trying to rebuild my credit and nothing has been resolved I have all screenshots and I am able to download all statements.
04/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89052
Web
I have several account that are over 7 years from the date of last activity still showing on my credit report. I hav disputed them several times and neither the credit bureau nor creditor has remove the information nor have they provided proof that the information I have is incorrect. I fell ill in 2016 while XXXX and was placed on XXXX. It took several month for my XXXX payments to start causing my last activity payments to be in XXXX of 2016. When I request statements from the creditors my request is met with a bill but no proof of last activity on their part. The majority of these accounts are with commenity bank aka bread financial ( I had # 7 store accounts with them ), XXXX XXXX XXXX ( this is only one acct but reported twice with different acct numbers ), XXXX XXXX and XXXX XXXX XXXX Every time I dispute date of last activity is over 7 years their reply is charged off account and then their remarks being posted drops my credit score! Of course it is a charged off account but date of last activity is over 7 years.
06/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • DE
  • 19701
Web
The lender waived my late fee ( see attached ) ; but, refuses to set my credit report as " current ''. I was 30 days late due to contracting XXXX. Under the Cares Act, a lender has an obligation to report a consumer as current according to below : The CARES Act calls for creditors to adjust how they report accounts that have been modified. The law requires creditors to report any account that has a payment accommodation to it as current to the credit bureaus- as long as the account was current when the accommodations was made. This credit card lender made accommodations by waiving my late fee ( see attached " adjustment '' ) ; therefore, making accommodations. Based on this information and CARES Act, they should remove that late fee as they have an obligation to report that 30 day late - as current. ( see attached ). I was never late on this account and I've reached out several times to lender to adjust this report ; but, they refuse to do so. Therefore, this lender is violating the CARES act with regard to accommodate.
06/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 14850
Web
A credit line of {$300.00}, Indigo credit card was opened in my name on XX/XX/XXXX. However, amount owed is {$610.00}. A company XXXX XXXX XXXX , XXXX sent me a copy of the statement XX/XX/XXXX. I have tried repeatedly to contact them via phone and email to resolve this. Wanted to know what where the spending habits to see if maybe someone close to me did this. I was unsuccessful. No one ever answers or returns phone calls. Tried reaching Indigo as well, by phone and internet, they won't do anything for me. Opened an account with identitytheft.gov to see if I could resolve this. I was instructed through identitytheft.gov to send letters which I have to both Indigo Credit Card and XXXX XXXX XXXX , XXXX .Letters were sent out XX/XX/XXXX. I received letter from debt collection XX/XX/XXXX. I am just learning about this. I'm curious as to why this collections company is now reaching out to me four years later. I shouldn't have to pay for credit I never used. My credit is not the best but I am very aware of what I truly owe.
08/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20746
Web
I have Hard Inquiries on my credit report that I didn't make. Someone made multiple calls with my information and tried to open these accounts. I contacted ( FTC ) and was redirected to file a complaint through ( CFPB ) on these accounts below listed and I desperately need these removed it's hurting my credit worthiness. I have contacted the creditors explaining the situation with still no resolution resolved. XXXX XXXX FEB/DESTINY ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEB/DESTINY ( Bank ) XXXX XXXX XXXX XXXX XXXX FEB/DESTINY ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMILESTONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEB/DESTINY ( Bank ) XXXX XXXX XXXX XXXX XXXX FEB/DESTINY ( Bank ) XXXX XXXX XXXX XXXX
03/20/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NV
  • 89108
Web
Called my credit card in stolen during after a home invasion/burglary and grand theft auto that happened to me on the XXXX of XXXX its on record but the card was used on the XXXX, and XXXX for approximately {$230.00} the fraud department favored it wasnt fraud Ive offered them the police report the number to the detectives that were in charge of the case they still ignored me and the fact that the card was reported stolen on the XXXX of XXXX approximately 2.5 hours after the home invasion they keep ignoring that fact. There reason is the purchases were done on the same day as the home invasion happened. Ok I can agree with that but that doesnt mean that I did those charges nor did I authorize someone to. The fact that it took me 2.5 hours after the robbery to call the card in stolen which was due to the shock I experienced, answering police questions and locating my vehicle that was stolen thru gps should be taken into consideration that it took me the 2.5 hours to call it in stolen and Irregardless it was fraud
12/13/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NY
  • 14612
Web
XXXX I made a payment of {$190.00} via destiny website to pay off entire balance. XXXX I only had {$100.00} of credit when I should of had {$300.00}. On XXXX I still did not have entire available credit of {$300.00}XXXX XXXX XXXX I checked to make sure I had available credit there was a balance due of {$290.00}. I checked the balance transaction and after XXXX somehow a reverse charge payment of {$190.00} shows on my account which made me have a balance of {$290.00}. I called XXXX Concorda credit and XXXX states that " there was insufficient funds in my account when they I made the payment ''. The payment took three days to deduct and even on XXXX XXXX I had {$190.00} in my account to deduction to pay this card off. I am now getting hit with a return check fee of {$29.00}. Funny how this charge or charge back was never mention to me on or about XXXX XXXX XXXX and the due date for a payment is XX/XX/ how convenience this {$290.00} balance shows two days from a payment due date. This company is fraudulent
03/19/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34744
Web
Dear CFPB Staff, My name is XXXX XXXX. Genesis FS Card Services , Inc./Destiny Mastercard 's staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus. I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by Genesis FS Card Services , Inc./Destiny Mastercard 's staff 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77007
Web
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
04/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 070XX
Web
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. 1. FEB DESTINY/GF, Chargeoff, Account # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. Thank you,
08/30/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • SC
  • 29576
Web
I received a bill for a charge from XXXX, I never made the charge, I called to dispute the charge. I called the company many times to try to get a response, while in the meantime they charged late fees, and started reporting to the credit agencies that I was not making on time payments. After many calls I was told by a supervisor that the dispute was never filed correctly in their system, therefore never triggering a dispute, and he assured me that he would get it resolved. I have never received any communication from them regarding the dispute, even after calling many times. Today I called and was told that the dispute had been resolved and it was found to be a valid charge. It is not. It seems like they are trying to scam me out of money, and they have done irreparable damage to my credit by reporting that I am behind on payments by 5 months when I never charged anything in the first place. This card was an emergency card that I did not use, the last charge I made on this card was in XXXX of 2021.
06/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NC
  • 28216
Web
Account number:XXXX The State of Limitations on this alleged debt, even should it be mine, is 3 years in the state of North Carolina XXXX Since the debt is out of the statute of limitations, and they are reporting this on my credit report, they are conducting collection activities on zombie debt. I have disputed the information numerous times and the company nor the credit bureaus will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. Im sure theyare aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that their firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus. Not just closed. Deleted completely.
05/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22401
Web Servicemember
I received a text message from " XXXX XXXX XXXX XXXX XXXX '' offering payment plan options for a debt I allegedly owe to Indigo Mastercard. I do not owe anything to Indigo Mastercard ; I do not have and have never had a card from them. All of my credit cards are in excellent standing and paid in full every month. I have no debt aside from student loans. I thought the text might be a phishing attempt, so I XXXX -- and my goodness! It's actually WORSE than a phishing scam. There are COUNTLESS complaints by people who received these texts and then found a fake debt on their credit report in default status. Many people have figured out that XXXX XXXX purchased a very old debt ( that was legitimate in the past, but that since expired or was paid off ) and then reported it as a new debt! Others have simply fake debts on their reports. I have not yet checked my report, but if there is anything about this " Indigo Mastercard '' or XXXX XXXX XXXX reported on there, I will take every possible legal action.
04/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WI
  • 539XX
Web Servicemember
On XX/XX/2022, I received an email from Genesis FS card services offering a settlement option to pay my card off and close the account. I was given until XX/XX/XXXX to accept the offer. On XX/XX/2022, I called and paid the amount of the settlement offer. On XX/XX/2022, I received an email stating that I had a payment due. I proceeded to attempt to log into the account ( which should have been closed ) and found that the account was still open, was continuing to gain interest, and was showing that a payment of {$120.00} was overdue. I called the company on XX/XX/2022, they stated that it takes time for a settlement to be reported to the credit bureaus and that they last reported on XX/XX/XXXX, but did not report it as settled. They stated that the account was closed, but refused to explain why I was still able to log into the account that shows it being open with interest still accruing. This account is currently continuing to build interest and being reported negatively to my credit report.
11/01/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 33612
Web
I was charged a late payment, when in fact they were late 6 times trying to pull from my account.They owe for accessing my account, 6 times late from the date I requested for payment.They attempted 7 days later on one attempt, which seems to be manipulating late payments by not drawing on time to cause a late fee.Ive heard this from hundreds of customers on their tactics that they are using to cause late payments, because most people will try and close this account from this horrific company.They have some type of identifier, which seems to target subprime consumers with late payments .None of my other accounts are late, and there is no issue with payments within 24hrs.The amount is owed is only for annual fee.I requested that this account closed if they couldn't process the payments timely .I feel they have targeted me and other consumers for late payments.I will give them what they say I owe for annual fee, and proceed with legal actions against this Company.I want nothing to do with them.
12/28/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • PA
  • 17110
Web
I applied for the indigo card on XX/XX/2021 after reading that there was a {$0.00} annual fee. At the conclusion of the application I noticed that some of the words were covered up but wasnt able to to move the tab. I called immediately to report this and ask about an annual fee. They told me there is an annual fee and I told them I did not know that because the application was misleading and I want to close the account. They informed me that they closed the account. On XX/XX/2021 I received a letter that the account is closed but there is a {$75.00} balance for the annual fee. I feel they are misleading people by obstructing the annual fee during application and then mandating people to pay when they dont want the account. I should not be charged an annual fee because of this issue and misleading application. I did my due diligence to report this immediately and a card was never issued. I want this account closed without a balance because they did not provide me any service and misled me.
04/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34746
Web
XXXX is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice. In accordance with the FAIR CREDIT REPORTING act XXXX Account number XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • FL
  • 32218
Web
I was approved for a Destinay credit card around XX/XX/XXXX, to date I have yet to receive the credit card. I called XXXX XXXX XXXX XXXX spoke with numerous representatives who informed me the credit card was delayed but could not tell me why. I checked my credit report and Destiny had already reported a balance of XXXX due. I also received the 1st billing statment showing an annual fee due of {$75.00} by XX/XX/2023. I asked the customer service representative to waive the {$75.00} fee because I do not have the credit card. She agreed to pnly waive {$10.00}. This is an embarrassment, why report a new trade line to a consumers credit report before they are in receipt or have activated the credit card. I have called and called and called just to be given the run around. This company needs to be investigated. I have seen numerous complaints abouth Destiny approving consumers for credit cards and failing to ship them out in a timely manner. WHAT A SHAME as I am a new customer with Destiny.
09/12/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • GA
  • 30344
Web
On Wednesday, XX/XX/2023, I received a Destiny Credit Card offer. I applied and was approved for a credit card with a {$700.00} credit limit. On XX/XX/2023, I received an Indigo Credit Card offer. I applied and was approved for a credit card with a {$300.00} credit limit. After XXXX, I did not receive the credit cards. So I called the XXXX numbers associated with the credit card companies. The customer service representatives for both the Destiny Credit Card & the Indigo Credit Card companies assured me they would report the first cards as lost or stolen and re-issue me new credit cards. Today is Monday, XX/XX/2023, and I have never received the Destiny Credit Card or the Indigo Credit Card I was approved and promised. To make matters worst, both the Destiny Credit Card & the Indigo Credit Card companies are reporting fraudulent, negative, and inaccurate information with all three credit bureaus. Can you please help assist me clear my good name and credit. Thank you sincerely!
09/29/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • XXXXX
Web Older American
Calling daily. Won't provide me with any information about the amount owed. What it was for. They operate under a variety of names. First it was XXXX XXXX or XXXX XXXX XXXX, then XXXX, Genesis FS Card Services ( XXXX, Oregon ). I have called several times asking for someone in authority or their Fraud Department. The operator says no one in the Fraud Dept. wants to speak with me...?? They are very evasive. They want to record the call but when I say OK and I'll record the call on me end. They say they will not converse with me if I record the conversation. They want my SS #, my address, DOB, and telephone number to be able to find my account. Of course, I refuse to give them any personal information. So they say without that information they can't find my account...? I know that if they had my name, phone number they could easily find my name in the account base. I have outstanding credit. No debt and a FICO score of XXXX. I know this is some sort of scam. I just want it to stop.
06/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21222
Web Older American, Servicemember
Thank you and bless you so much. The indigo G/F credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reported that my indigo card is XXXX percent ratio usege.according to what I have up on the monitoring wall my balances should not be XXXX percent high. I don't miss any payments on the card and I call in the payments every month. Because of this recent XX/XX/XXXX reporting to XXXX my score dropped XXXX points. I believe that I could have been wrongly singled out and that my good credit worthy trust by indigo was not placed into any consideration. My last name is XXXX. I believe that this is unfair and can seriously damage my future lending journey since it even hurt my good credit score. I don't know what's going on. All I know is that I had filled A complant with you a couple weeks ago regarding this category. Please help me.i am hurt over this because I take my credit worthy Ness seriously. Bless you and thank you too. I am a moral responsible person and I do not miss payments.
12/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 337XX
Web
In the month of XXXX, a credit card I don't use ( almost ever ) had a statement sent out with a bunch of XXXX charges that I did not make. I contacted indigo regarding this to report the card compromised/stolen and have a chargeback completed, I also let them know I would like to cancel this card as I've found cards which offer more/treat me better etc. After quite a bit of back and forth with the agent trying to get me to stay, they did finally agree to cancel the card. Unfortunately I have now received another statement and see the website is claiming I am past due, the company charged me an annual fee after I had requested to cancel and is now trying to charge me late fees for the annual fee when this card should have been closed with a {$0.00} balance a few months ago. I am worried this will damage my credit erroneously and would like the company to close this card with the {$0.00} balance I have earned as well as ensure my credit reporting is unaffected by their error.
09/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91344
Web
Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company XXXX XXXX, XXXX XXXX XXXX, and the credit card company is INDIGO MASTERCARD.
02/28/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 92585
Web
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. GENESIS FS CARDSERVICES/MILESTONE XXXX MASTERCARD/TBOM/MILESTONE has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with GENESIS FS CARDSERVICES/MILESTONE XXXX MASTERCARD/XXXX/MILESTONE, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting GENESIS FS CARDSERVICES/MILESTONE GOLD MASTERCARDXXXX/MILESTONE delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
07/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • GA
  • 30519
Web
I applied for a promotional card through XXXX XXXX XXXX XXXX Genesis Finance - I already have a credit card with them and after the application, they requested information to be mailed to the company for verification purposes. The requested info was license and social security card and it appears to be to the address for Genesis. However, I just received a decline letter indicating they are unable to verify my social security number. This information was mailed and per the representative, she indicated they received the info and made a decision based on this info. She indicated the people in the application division were unable to speak directly to consumers. This process seems suspicious because I am an existing customer and provided the same info on the other application. I have never had a card service request ID and social evidence and when it is provided the decline was because they couldn't verify. I check my credit profile regularly and there is only one number listed.
09/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • VA
  • 22401
Web
I have ask the investigation be properly conducted several times. Genssis owns the XXXX XXXX. The first letter XXXX upload was the letter I received from Genesis stating my account was closed with no balance. The top letter and the XXXX XXXX is the same information, The have falsely reported I filed bankruptcy. The company also false reported a derogatory mark XX/XX/2021. I do not have this card I have not had the card since XXXX when they closed my account have I paid it off. The card number was XXXX. XXXX never contacted Genesis during the investigation. Just closed my request for investigation. Sending me to a to a site experian.com/upload that does not accept the documents with case number. I was told to mail to their address. I received an alert today where they close the case less than 30 days. Attached documents 1. I have attached the letter from Genesis 2. My list of creditors I include on my bankruptcy excluding Genesis XXXX XXXX caredit card 3. Discharged documents
02/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NY
  • 11542
Web
I have exceptional payment history on all my accounts. During covid 19 various creditors closed my accounts with out my knowledge and issued charge backs on accounts with XXXX balances and all accounts have exceptional payment history. This has caused my credit that I have worked so hard for to drop substantially. I have paid off every card infull and on time. XXXX XXXX has issued charge backs after I paid in full. Other creditors closed my account with notifying me and continually and fraudulently issued false late payments. This all happened during the pandemic and i am beyond frustrated because I have paid them all in full. Please help I will take this to the highest court I needed because this is un-American and more so very fraudulent practices. To prey on families that have paid and fulfilled with exceptional credit only to be penalized by false claims. Please advise. I will not allow my hard work and dedication to go down the tube for fraudulent businesses. Thank you.
09/01/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • CA
  • 92336
Web
There is a fraudulent, unsolicited, opening of a credit card named " Destiny '' under my name and information. On XX/XX/2023 I had received a credit card statement from the company " Destiny. '' It states that I allegedly have a account number and that I owe a balance of {$76.00} on XX/XX/2023 ; charges consist of {$75.00} for the annual fee and {$1.00} for the credit protection fees. I do not recognize this account nor the name of is company. I did not give anyone permission to open this account. I would like this account closed. I was going to contact the company itself through their number XXXX but I googled them first and I believe I do not trust speaking to their representatives. https : XXXX. I want this account closed and I really would appreciate the help. Not sure if this is identity theft because I have also experienced recently {$2100.00} theft at a XXXX XXXX and XXXX far away from where I am located. I will file another dispute/complaint for that separate issue.
01/19/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • OH
  • 45044
Web
On XX/XX/22 I called Indigo credit card company. I am struggling to pay down and pay off a credit card. My husband is unemployed and had XXXX XXXXXXXX recently so has had to be off for some time. I am the only income coming in to pay our rent, water, electric and food. Not including the car payments and other bills, this is the only credit card I have. I have expressed this to them for the last XXXX months that we have been struggling. Each time I get paid I have only {$50.00} I can pay towards the balance and since its over the limit ( due to fees ) they charge {$40.00} ( used to be {$27.00} ) fee and interest on top. So my payment is meaningless and I am back in the same boat the next month. I have asked them if there is anyway to pause a couple months to get me caught up or anything they can offer for assistance and they have nothing. They offer to waive one fee after I pay the balance down. At this point it is ruining my credit and my chance of getting it better.
05/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60605
Web
My identity was fraudulently used to apply for several credit cards on XX/XX/XXXX, none of which have been opened as of XX/XX/XXXX. When I noticed this on XX/XX/XXXX, I reached out to each of the credit card providers to get the application rejected and the inquiry removed from the bureaus. Every provided except for Genesis Financial Solutions was able to handle this request with no difficulty. Genesis has been unable to locate the application, and I have been passed back and forth between different departments, none of which was able to address the issue. Additionally, I was provided incorrect information several times about how to dispute fraudulent applications. I believe the issue is that they are only able to query applications based on a combination of DOB, last 4 of SSN, and first/last name. My guess is that the fraudster did not have all of those pieces of information. If they could query their application server based on SSN alone, they would be able to find it.
02/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85635
Web
Paid my Indigo credit card off in XXXX, XXXX. Called and closed the account. Received email statement in XXXX showing account paid off. Fast forward I get an email on XXXX, XXXX, XXXX for a statement. Found that Genesis Credit, owener of Indigo card never closed my account as requested over 7 months ago. Called customer service and they confirmed the account was closed even if I could still access my account via online. I asked why it was never reported closed to credit bureaus. Agent couldnt answer and put me on hold. Rep came back and said that a supervisor was going to start an investigation and I would have the results in 30 days. I told them I was NOT waiting another month! They had 30 days, 7 months ago! I told them I would report them to the FTC. Agent silenced the line. When he came back and acted like I was accidentally put on hold I repeated that I was reporting them for fraud. This account should be closed and show closed on my credit report as of XXXX, XXXX!
10/18/2021 No
  • Credit card or prepaid card
  • Store credit card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • OK
  • 746XX
Web
I have XXXX FS Card Services ( XXXX 's Jewelers ) card for approximately four years. During this time I have had a 98 % paid on time account. The account has been reporting in good standing. I have had a {$2200.00} credit line on this account. The highest balance that I have ever had on it was around {$790.00}. I currently owe. {$580.00}. I started noticing that my statements were showing me the {$2200.00} credit limit but with XXXX credit available. I called to inquire about this and THEY told me they would need to do a review. The next thing I know is that they are closing my account. I have been paying consistently with a XXXX percent on time ACCOUNT as I have said above. I received a letter dated approximately XX/XX/XXXX that my line of credit was being closed. I have other things past due but not their account. I am being punished for being on time with them simply because other things have fallen behind during this Covid Pandemic. I FEEL THIS IS ABSOLUTELY UNFAIR.
12/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NH
  • 03102
Web
I have tried to explain during that period I was both mentally and physically XXXX XXXX XXXX XXXX to where the United States government felt that I was not capable of handling my own affairs and ordered XXXX representative. During that time the car dealership was given all of the financial information including the the awards letter, and the bank statements that 100 % said I was not in charge of my financial and still through dealership magic got me into a car Im just wondering that if XXXX XXXXXXXX is enough to have us acquitted of a crime or committed to a hospital against Will why isnt it enough to assist against the dealership that took advantage of that disability.. I have tried to fight and have spent countless hours on the phone getting absolutely nowhere ignored mysteriously disconnected and straight out told were hanging up on you.. I can send documentation, but would like to do it through better secured email because it is information from Social Security
07/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32905
Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
07/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32905
Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
07/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90059
Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11203
Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
02/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • WI
  • 548XX
Web Older American, Servicemember
My INDIGO card : Logged in online. Card - last XXXX of card number displayed. I was recognized. Fine. Since their " new '' website and " service '' I CAN NO LONGER : Get My Balance. Make a Payment. See my Statement. NOTHING. If I can not make a payment or at least the Minimum Payment, I'll be charged a : ate Payment Fee which will go on my Credit Reports who WILL NOT BELIEVE THAT THE CREDIT CARD COMPANY WOULDN'T LET ME MAKE A PAYMENT. Select any one of these options and all I get is a BLANK SCREEN. Called the company and stated my account number to them in the phone call. THEY COLD N'T FIND MY ACCOUNT. NUMBER DOESN'T EXIST. Tried to call their NEW customer service number and was put on wait for over an hour. This company has become worse and worse over time. A year ago I had no problems. That's all changed today. I WANT THIS COMPANY SHUT DOWN! I'll CLOSE MY ACCOUNT then deal with the worthless credit reporting companies later on. What a country, huh?
07/12/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30101
Web Servicemember
Genesis FS card services has a complaint filed with the ftc, I reported fraud that this card was used these charges I am disputing I sent them a copy of this ftc identity theft report and reported fraud. Im getting a letter after me calling several times and filing a complaint there trying to put these charges back on me I will not pay for anything I did not use. These charges need to be disputed and taking off or will consider this fraud XXXX have this account closed Im giving XXXX a chance to make this right i am filing this with the consumer financial protection bureau to correct this issue. Not be blamed, I have made several attempts to call and explain what had happen now please. Dispute every item on this card. And bring it back to XXXX card loan amount or like I said I will close the card XXXX report this as being fraudulent by this company, I am providing the ftc identity th ftc identity theft report and show my information was exposed in a data breach
09/03/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CO
  • 814XX
Web
My credit card had expired and I called to ask to have a new card issued to me. The representative informed me my account had been permanently closed. When I asked why, I was told it was because they had issued a new card and it had been returned so they permanently closed the account. I had let them know that the address they had on the account had the wrong town and zipcode listed when I reviewed it in their app but I had updated it to the correct address and asked for them to please reissue the replacement card to the correct address. I was told they could not do that and i would need to reapply. I asked if they could transfer the balance and assign me a new account number and issue a new card and was told again that they can not do that and i will need to reapply. I've had balances transfered and new accounts issued in the past without an issues. I do not miss payments and am never late on my payments. This account was closed due to an error on their end.
08/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46530
Web
I have been receiving calls from a company called XXXX XXXX XXXX XXXX requesting that I call them back regarding a debt that I paid with them. I was suspicious that I had already paid this debt but they had an account number, the name of the company, and the amount owed which all sounded legitimate. I thought I had paid off this debt a long time ago but when I checked my credit report it didn't verify that. Therefore, I paid the XXXX XXXX XXXX XXXX {$320.00}. This transaction was processed as XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since, they have just called me again and I called them back and they hung up on me after giving me the wrong last 4 of my social. I think this company is some how gaining access to people 's past debt and preying on them to " pay it off '' again. XXXX XXXX was the lady I talked to and she got very offended when I accused her of fraud. When I called back today it sounded like the same person with a different name.
08/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10469
Web
CB INDIGO Card Services, XXXX, XXXX and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.
07/20/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 554XX
Web
FEB-RETAIL Last reported XX/XX/XXXX {$0.00} Open balance {$4000.00} Credit limit Balance carried not confirmed Credit limit {$4000.00} You're using 0 % of your account 's limit Checking for errors? Review your full report details. If you find any issues, we can help. Hey XXXX It looks like an account with FEB - RETAIL was added to your XXXX report. This could definitely impact your credit score ( like by lowering your average age of open accounts or increasing your total number of accounts ). Don't recognize this card? You can file a dispute with the credit bureaus. See the card *Based on your credit report information from XXXX as reported on XX/XX/XXXX. This is a promotional email. To manage your email preferences, please go to notification preferences. Hello, I received this email last friday XX/XX/XXXX from XXXX XXXX that there is a new account on my credit report and I have not applied for any credit card. Please I need help thank you.
02/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • GA
  • 30349
Web
XXXX XXXX account has been flagged as 150 days past due. During previous attempts to contact organization for assistance with making payments, I informed them on multiple occasions that I am experiencing a financial hardship and can not pay exactly at this time. The organization has not worked with me in any way. I have been told on multiple occasions that there is absolutely nothing they can do, and that they do not offer assistance if you are experiencing a financial hardship. My recent hardships have subsided in the last two weeks. However, my previous interactions with this organization have completely discouraged me from even attempting to resolve this with them anymore. I contacted the organization in XXXX, XXXX, and XXXX to inform of financial hardship. This organization has continued to charge me interest and fees to the point where limit has now doubled and they are demanding a payment of 400 dollars. The limit of the card in question is {$300.00}.
01/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MO
  • 63376
Web
I opened this account in XX/XX/XXXX. I closed this account due to the constant fees that it has and the small balance. I called in XXXX to close this account and have the fees credited back to me. I was assured that by paying the {$140.00} This would take care of the balance that the account is closed and they they would let the credit companies know that the derogatory credit will be corrected. I received a statement saying that I now owe XXXX due on XXXX XXXX, XXXX! I once again called to explain that this has been closed and if they go back and listen to the call that all of this was taken care of and that I don't owe this money, and that they need to also correct my trade lines. XXXX ( the manager ) told me that he will get back with me after he listens to the call MAYBE by XX/XX/XXXX. I would appreciate attention to this, I have worked hard to keep my credit scores up and this has sunk me. It doesn't seem like they plan to do anything about this.
03/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • LA
  • 70815
Web
I received correspondence in the mail from Milestone credit card from Genisis FS Card Services. They offered what I belived were favorable terms for someone trying to rebuild thier credit history. The annual fee was only supposed to be {$39.00} with the option of getting a credit limit increase after 6 months of on time minimum payments. However after nearly a year of ontime payments and no late or missed payments to them they began charging me an annual fee of {$49.00}. I called about the discrepency and was told there was nothing they could do. I also inquired about the credit limit increase I was due, only to be told that customers would have to pay at least {$100.00} a month to even be considered for a limit increase. This was not dislosed when I signed up for this card. I would not have signed up if these were the terms. This seems to be a classic bait and switch scenario and maybe I can help someone else before they fall for this scheme. Thanks.
07/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • HI
  • 967XX
Web
XXXX called me 3 days in a row saying i was approved for a card that i have never applied for i let them know it was not me. On the 3rd day they said they processed it and it was approved i told them the 3rd time while i was at work i never applied for that card. The user had my social and old address from another island. This is still reported on my credit report as a declined card offer 4 months after my complaint with the wrong address on XXXX, and XXXX. Application was on XX/XX/XXXX and XXXX XXXX Second Company Genesis Fs refuses to take my declined credit information off my report saying they did their investigation and the report is correct. They have my SS and they used a incorrect address that i was never at, used my family business number and ran a report when i had already frozen my accounts date XX/XX/XXXX @ XXXX XXXX PST on line from XXXX to a bank in Missouri. I live on XXXX dealing with id theft. Police report number XXXX XXXX XXXX
02/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 115XX
Web
There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, regardless if you guys issue a 1099- cor not. Consumer has to report charged off amount as income and income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
08/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30083
Web
DEAR XXXX XXXX & ALL REPORTING SERVICES According to the Fair Credit Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a Fraudulent account I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below. I Demand the following accounts be verified or removed immediately. XXXX. XXXX XXXX XXXX IT HAS BEEN RE-AGED AND IM NOT AWARE OF THIS BALANCE SO PROOF OF CONTRACT WITH MY SIGNATURE AND ORIGINAL DATE OR REMOVE.
02/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NC
  • 27513
Web
Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX is applying a 14-day hold to ALL of my payments under the pretense of ensuring the transaction clears my bank. This is 100 % a lie. The payments being made are coming out of my checking account directly in one or two days at the most. Additionally, this Credit Card has very POOR English-speaking customer service agents that make discussing this impossible. If I were mailing a check, I would understand. I also pay my balances off immediately as this is my only Credit Card and I rely on its liquidity to use for various reasons. Additionally, Truth In Lending should require Genesis to provide some written estimate of when the payment will be applied. Instead, I have to call a non-English speaking person and ask when. Many times the males tell me this is a service that is not performed. It is only when I speak with a female, my request is provided verbally and the hold is placed at a maximum.
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 325XX
Web
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
11/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 13027
Web
On XX/XX/2021 I received an email from Destiny Mastercard part of Genesis FS Card Services stating Thank you for choosing Destiny, expect your card in 7-10 days. I called their customer service that evening at XXXX and gave my name, phone number and e-mail this was received on and sent by to the call center rep telling her that I never applied for a card and was told this would be sent to their supervisor of the fraud division and they will call me. Today XX/XX/2021 I received an alert from XXXX stating a hard inquiry was pulled from my XXXX report by this company. I never applied for this card, my credit is locked through XXXX. I never received a call back from this company - I called them again today to report the same thing and was told the same information as before. I am terrified that someone somewhere is going to receive a card in my name and this company is doing nothing but continuing to pull my unauthorized information.
08/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89081
Web
In accordance with the fair credit reporting act XXXX Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions. 15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. Sincerely, XXXX XXXX XXXX
08/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89081
Web
In accordance with the fair credit reporting act XXXX Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 1 5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions. 15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. Sincerely, XXXX XXXX XXXX
08/31/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89081
Web
In accordance with the fair credit reporting act XXXX Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions. 15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. Sincerely, XXXX XXXX XXXX
12/22/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CO
  • 80015
Web
I have a destiny card by Genesis FS Card Services. Its a {$300.00} card. I always check the available balance before I use the card online to see how much I can spend. I did that in XXXX. No problem. I didnt use the card in XXXX cycle because it was maxed out. I paid {$40.00} on XXXX XXXX. Then it said I had {$43.00} available. I used it for {$23.00} for gas. Now the balance is {$370.00} and saying that my XXXX charges were over and they added a {$29.00} fee. Thats a scam. It shows online that you have available credit, that you apparently dont have. They let you use it. Then they come back and say oh wait its over. Heres an overdraft fee. I go off the screen thats posted below. Thats all I have to go off. If its saying I have available credit, I should have available credit. If I was over in XXXX, I shouldnt have had any available credit in XXXX after I paid the {$40.00} because Id still be over. This company is scamming people.
04/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DC
  • 20032
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
11/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • OK
  • 73160
Web
For the past 3 weeks, starting on XX/XX/2022. I have been trying to close my indigo credit card issued by GENESISfs CARD SERVICES. I had to call numerous times and everytime I called, someone would tell me : " we just closed your account '' So what about all the previous times I called and they told me they closed it. I let a couple weeks go by thinking that perhaps I just have to wait and give it sometime for them to close the account. Even though, online, my account still shows active and ready to go. Yesterday, I received in the mail a letter from them saying that I was dead, and that they wanted to death certificate for them to close my account. 1. I have a XXXX balance on the account 2. Im not dead. XXXX. And all I'm requesting is for the to close this account. Why are they making so difficult for them to close an account? i have attached copies of the letter I received from them and the letter I sent back to them.
09/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33145
Web
XXXX/MILESTONE GENESIS CC ENDING # XXXX THEY CHANGED FROM ACC ENDING # XXXX. ALL HE TRANSACTIONS OR CHARGES FOR THIS CREDIT CARD WERE FABRICATED BY THE CREDIT CARD COMPANY WITH A SECOND CREDIT CARD I NEVER USED.SENT A FAX LETTER ON XX/XX/XXXX TO XXXX, WHICH WAS NEVER REPLIED, AND YET THEY WERE WITHDRAWING PAYMENTS FROM MY ACCOUNT XXXX OF XXXX XXXX THAT I HAD TO CLOSE BECAUSE WERE WITHDRAWING FUNDS WITHOUTH MY AUTHORIZATION AND MY ACCESS TO THEIR ONLINE SERVICE WAS BLOCKED.STARTING ON XX/XX/XXXX THRU XX/XX/XXXX ALL TRANSACTIONS WERE UNAUTHORIZED XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, AND XX/XX/XXXX XXXX, ETC. AS PER LEGAL ADVICE I ASKED THE BANK TO RETURN ALL PAYMENTS TO THIS CREDIT CARD.THEY CHARGED ME SEVERAL TRANSACTIONS WITH XXXX, SEE LETTER DATED XX/XX/XXXX, WHEN AT THAT TIME I DID NOT HAVE AN ACCOUNT WITH XXXX. I DONT OWE THIS COMPANY ANYTHING! THEY DAMAGED MY CREDIT COMPLETELY ... ... ....
07/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • PA
  • 19149
Web
XXXX has caused damage to my credit card by calling Genesis/FS Credit Card I had file a complaint on XXXX not having the correct balance as {$0.00} XXXX has a balance showing when in fact there is no balance to the sad account. XXXX has major issues contacting Genesis/FS Credit Card and making false claims of fraud on my account. I was not contacted of any fraud by calls mail or email or phone alerts by Genesis/FS Card to the matter. In which fact caused my account to close with a {$0.00} balance. I have also filed US Attorney complaint as a XXXX complaint on both Genesis/FS Card XXXX XXXX as bias reckless and fair credit act as to error made on false claims. There is no call or email or letter or digital signature of me making claims of fraud or fraud was done on my account. There are other complaints on XXXX not been resolved as completed with mix names address phone numbers and accounts not updated as paid off.
07/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 76112
Web
Applied for a pre-order qualification with Indigo Master card, they did a hard pull on my credit report without my permission, it was only supposed to be a pre-qualify, as advertised. I called the co! pant and told them I didn't accept an offer, that was supposed to be a pre qualify. They said I did the pre qualify I applied for the card I said I did not accept or decline an offer it just went straight to applying not pre qualify. They said they would cancel the application but, that it would show up on my credit report as an closed account, and that they will not remove the hard inquiry, or not list the card on my credit report as a closed account, which I disagreed with. They won't help me I spoke to a manager they will not remove anything, they just asked me if I'm sure I don't want to get the card, I said I don't want the card and the the company is deceptive. It says you can pre qualify with no harm to your credit.
08/23/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • AZ
  • 85711
Web
I can not get into my account since XXXX of 2022. called numerous times and talked to reps and supervisors, i contacted XXXX XXXX and they became involved with this account. know matter what we ask for. IT to call me or help me get into the account, ask for paper statements from XX/XX/2022 to present.by reg mail, replacement of card took almost 3 months to get because i had fraud on this card and one other account. I told them that I'm not paying for something i can't see what it is because of the fraud that was on my account. All they keep saying since XXXX is IT is working on it. One of the supervisors said a lot of our accounts the customers cant get into there accounts and she hasn't heard of any complaints.I closed my account in XXXX 2022 because of this problem. XXXX XXXX and myself has tried everything we could to help me get my account correct. I told Milestone I'm not paying until i see what I'm paying for,,
12/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08109
Web
THE XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the amount of {$330.00} CB INDIGO last reported a late payment on XX/XX/2022 for an account Im the amount of {$320.00} XXXX XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the account of {$810.00} XXXX XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the account of {$530.00} XXXX XXXX last reported a late payment on XX/XX/2022 for an account in the amount of {$220.00} In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
11/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 761XX
Web
This company is very unethical and is the payday lender of credit card issuers. They have repeatedly reported late payments on my credit report and add ridiculous fees making it impossible to pay them off. Their website is often down also and therefore if you can not make a payment due to it being down, they will report you to the bureaus again and again. Also I've made payments and not received proper credit for them. For example I made a {$200.00} payment last week that I still did not receive credit for. They have severely impacted my credit. I need to be able to refinance my house and use proceeds to pay medical bills but because of their high fees and bad credit reporting they are making it very difficult to do so. Please remove the negative late payments with all 3 credit bureaus. Prior to getting this card I should have read reviews because they have done the same thing to several other customers. Thank you,
04/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MA
  • 02301
Web
Good day, I will try to make this simple... Paid Bill on XXXX XXXX XXXX Milestone Master Card / Genisis FS My bill : XXXX Amount requested by company : XXXX Amount Paid : XXXX New expected balance : XXXX Fees : XXXX credit protection XXXX Monthly card fee XXXX Interest totaling : XXXX But current balance is now XXXX ... which means that only XXXX of the XXXX went to the bill. According to the rep at the cc company they add the fees after. I am very confused and angry. I have no problem paying fees but this feels like double dipping if I see my bill total as XXXX and I pay the XXXX my bill should reflect the payment properly but they are adding fees after the fact. I know I am old but I have worked in finance and this is certainly skirting the line if not crossed the line of fraud. ... at this rate it will take me more than a year to pay off this cc and more than 50 % of my payment is not even going to the total.
02/14/2022 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33321
Web
started receiving calls approximately a week ago from a company Called the XXXX XXXX located in California. Tel number ( XXXX ) XXXX from a XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They are trying to collect a debt that they say i owe in the amount of over {$1000.00} which is not even close to the charge off amount by the bank. I contacted the bank today to find out that the account was sold to someone else. During this time, there has been possible fraud on my social security number and drivers license information all within the same time period. In the meantime, i have freezed all credit reports and placed a fraud alert on my records. They claim that i have been mailed collection letters which to date, i have not received and they also promised that they would send me an email to collect because they do not want to use paper because electronic files work best for them.
08/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NJ
  • 08050
Web
I reached out to Genesis Service the card issuer for indigo bank credit card and realized I had fraud transactions on the account. I reported the fraud and the bank states I have to wait 60 days for the fraud department to investigate. The 60 days have surpassed and I call again. They now state they have to reinvestigate this fraud case and to wait another 60 days. I find that absurd!! Than the agent states that I will have to continue to make payments despite those charges not being mine. I have been paying for the last 2 months with no answers. I have spoken to a manager and they told me there is nothing they can do! How is that possible? There has to be a timely manner to investigate fraud cases. The rep couldnt even tell me what had happened with the first investigation but we just that it had to resubmitted and I have to wait 60 days. I cant imagine there is no legal timeline for fraud investigations.
10/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WV
  • 264XX
Web
XX/XX/2021 someone from Iowa fraudulently charged by Milestone Gold Mastercard {$270.00} for two pairs of shoes at XXXX. I was completely unaware of the transaction until my bill came in the following month. When I called, the company promptly issued a new card and promised to investigate the matter. On XX/XX/XXXX, they determined that I made the purchase even though the buyer used a different email address and misspelled my name and city, but they determined that I made the purchase and sent it to a complete stranger in a state I've never set foot in and had no known friends or relatives. I was dumbfounded by the gross incompetence displayed, but the hour-long phone call with their customer service reps didn't produce any results other than skirting responsibility. I reluctantly paid the balance and canceled the new account with them. At this time, I'm reaching out to the CFPB to resolve this matter.
12/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • VA
  • XXXXX
Web
On XX/XX/22 I was contacted by ( XXXX ) XXXX at XXXX and was unable to answer right away. From the moment I called back at XXXX I was pressured into making an immediate payment. I was communicating to the agent that at that moment it wasnt the best time for me to set up an arrangement ( I would have to look at my budget ) and she began to get super hostile and tried to strong arm me. Despite me reassuring her that I would call back at a later time to set something up, she cuts me off and threatened to tell the creditor that I was unwilling to pay the debt and hung up. This is the worst experience Ive ever had with a debt collection and the fact that she said that worries me that legal action is going to follow even though I told her I would call back to set an arrangement. Please if you can investigate the call because right now Im too intimidated by her behavior to even call back and get this resolved.
02/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NV
  • 894XX
Web
In XX/XX/XXXX, several charges came across on my statement that were fraudulent. I reported this to the credit card company in XX/XX/XXXX, yet they failed to investigate one of the charges for {$220.00} made on XX/XX/XXXX, even though I had reported it to them as fraud in XX/XX/XXXX. This would have left a credit balance on the account for the months of XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX as well as XXXX and XX/XX/XXXX. In XX/XX/XXXX, I reported it yet again and they finally adjusted it off my card. However, the credit card company reported me 30 days late in XX/XX/XXXX even though I had no balance due because of the {$220.00} fraudulent charge. This is a violation of the FCRA reporting rules and as such, this has damaged my credit unnecessarily. I am asking the 30 day late report in XX/XX/XXXX be corrected and any and all late fees, interest and other unnecessary fees be removed and refunded to me.
01/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19131
Web
This item Genesis FS Card Services Inc. ( Indigo Credit Card account number is inaccurately reporting and negatively impacting my credit scores and payment history it is currently reporting I missed 2 payments for the month of XXXX and XXXX. However payments were made and confirmation numbers were provided for payment date XX/XX/XXXX confirmation number XXXX and XX/XX/XXXX XXXX. I am requesting that Genesis FS Card Services Inc. ( Indigo-XXXX Bank XXXX have the item removed and change to correct the information to identify there are no late payments and have them removed as they are currently reporting on my credit reports. My credit report was updated XX/XX/XXXX stating my account was now current however it still reported 2 late payments. Today XX/XX/XXXX I have a {$0.00} balance and they are now reporting I am 30 days on a payment that is not owed which has negatively impacted my credit rating again.
09/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • AZ
  • 85041
Web Servicemember
Attempted to close my account with Indigo and they claimed that the card was opened under a different social security number and refuse to close my account. All of the other information matches such as address, name, birthdate etc so they are still reporting to the credit bureau under the correct social but refuse to close my account after I have validated all of the previous information. I went back and validated that my original processing has the correct social so this has to be an error on their part. This error on their part is garnering them yearly fee 's and they are offering no reasonable resolution to the problem. I believe the account was opened in XXXX and I attempted to close the account on XX/XX/XXXX and was told I was unable to close the account. The card is an Indigo Platinum Mastercard through Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX Customer service number : XXXX.
12/27/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 92129
Web Servicemember
An account was opened fraudulently in my name, using my personal information. I was traveling when the account was opened and used the same day, despite receiving another letter in the mail stating that due to my credit, they could not offer me the card. It appears as though the person was somehow able to nearly max out the card the same day that they applied for it. The amount is comprised of two purchases made online for {$2100.00} and {$900.00}. Neither of these purchases were made by me. I was made aware of this new card from my XXXX XXXX alerts I have set up. As soon as I was made aware of this fraudulent activity, I placed a fraud alert on my credit report for all agencies and froze my credit for all agencies. I also reached out to the credit card company that issued the card to make them aware that this card was opened fraudulently and have submitted a fraud report in writing to them.
05/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • WI
  • 530XX
Web Older American
I've tried to make several purchases with my Indigo card. They have been declined. I have never defaulted with Indigo on any payments. Whenever I call I am told there are no holds on my card. Today I received a letter asking for my id to be sent to Indigo. I then called Indigo to request their email address as I don't have a copy or fax machine where I live. I do have my driver 's license on my phone to send them a copy but Indigo does not have an email address. Indigo is unwilling to allow me to send my driver 's license by email and therefore has refused to take the hold off my account with them. I have two credit cards with Indigo. The first card I had with them was paid in full including a yearly finance charge of over {$50.00}. I still am not allowed to use this account or the second account I have with Indigo. This could be solved if Indigo would accept my driver 's license per email.
08/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89120
Web
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX PAID has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
09/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • FL
  • 33013
Web
XXXX XXXX XXXX XXXX XXXX ending what XXXX XXXX XXXX is the number given.. The complaint is that this credit card company sends out offers for people with good credit lots of companies do this they send you envelopes with credit offers and fees you take them and shred them or you throw them in the trash this company decided to go ahead and activate the card and put it on my credit court never send me any information never sent me any mail or the card which I consider to be fraud because I never approve this card I never had any business with this company I never seen the car until I see this charge on my on my credit report they said theyve closed the car they waive the fee doesnt stipulate the fact that its on my credit report and theyre doing this other people Ive been closed their phone number and the name of the company milestones any questions my number XXXX my email is XXXX XXXX XXXX
12/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • MD
  • 20772
Web
I reached out to this company XXXX, XXXXXXXX and requesting a hardship due to my finances while unemployed. I requested them to allow me to settle my account balance for a lesser amount to no avail. I asked for a settlement. I then received an email that stated the below. On XX/XX/XXXX I called them to accept the offer thinking the payments could be broken down, and they stated no that the entire offer amount had to be paid by XX/XX/. Due to my hardship I was unable to afford that. I need assistance getting them to allow me to settle and close this account asap. They have added alot of additional fees to my balance owed as well. Thank you! We know times are hard, and we want to help! You have been selected to reduce your debt by calling XXXX and accepting this settlement offer. This offer saves you {$540.00} by settling the full {$1000.00} balance with a one-time payment of {$540.00}.
05/02/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23669
Web
The following company never proved their methods of verification through several stages of written credit disputes : XXXX - GENESIS RETAIL The letters that were sent out are as follows : dispute letter XXXX -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter XXXX -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after XXXX days of no response or correction to the credit reports. Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. XXXX also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
03/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • IL
  • 601XX
Web
I paid my credit card in full to make my credit limit fully available. No where on the payment screen or in the terms and condition did it say they would hold the availability of my funds for 14 days. I told them I have proof the payment successfully process on my bank account and still the company didnt want to make my credit limit available to me. The only other option available was closing the account. The reason for my complaint is this is a deceptive practice to put the consumers back against the wall to close out their card. How is it the only option you can offer is to close my card? Have I not been a loyal customer, paid annual fees for years? Now when its convenient to you the company, you want to force me out by not making my credit available after Ive paid in full? I smell foul play and this is not a good practice to have in place with your customers. This needs to be stopped.
01/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
  • 92614
Web Older American
I made a payment on my Indigo credit card on XX/XX/XXXX. The company policy is that it takes up to 14 days after payment is received by ACH debit to verify good funds. This policy is ridiculous because it does not take more than 7 days after payment to verify an ACH debit. Nonetheless, the company refuses to release available funds on the XXXX day after they received payment which is XX/XX/XXXX. They will not release the funds until XX/XX/XXXX which is the XXXX day. The company falsely tells customers that they will place a hold of up to 14 days on the account before releasing funds but they are lying to customers because they actually take 15 days. I resent the fact that this company first of all has this outrageous policy of waiting 14 days to release available credit which is completely unnecessary and then lies to customers about the hold time when they actually have to wait 15 days.
09/17/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89011
Web Older American
Via USPS, on or about XX/XX/XXXX, I received a statement from Genesis Credit informing me that I made a purchase from XXXX -- Corp. Office Purchase, on or about, XX/XX/XXXX. what year? it was left off the statement. The amount is quoted as being {$1600.00}. since I have never made any purchase ( s ) from XXXX and I have never done business with Genesis I called to there XXXX offices to try and settle this on XX/XX/XXXX @ XXXX XXXX PST. I Spoke with an agent whom Identified herself as XXXX. I gave her the account number listed on the statement mailed to me. I explained that I was trying to resolve this issue by speaking with Genesis, so I wouldn't need to reach out to the CFPB. The agent said she'd be sending me an I D Theft form. I told her I would not be giving Genesis any further information about myself because I have no idea who they are! ( I want the form to pass on to the CFPB )
08/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • VA
  • 23464
Web Servicemember
on XX/XX/XXXX an annual fee of {$59.00} was charged to my Indigo credit card ( Genesis FS ). The company was unaware that I am covered as a dependent under MLA. I called and politely explained that I was not subject to this fee on XX/XX/XXXX. The customer service representative inquired with a supervisor, who stated that only the active-duty member could have fees waived. I attested to this and restated the law. They then inquired with another manager who demanded that we provide a letter from a commanding officer in reference to SCRA. Since this account is under my XXXX name, XXXX XXXX, I let them know that I would kindly send my military ID to implement a name change and provide proof of military dependency. The company refused to acknowledge MLA and is sending a letter about SCRA. I am appalled that managers in a consumer credit company do not understand basic consumer credit laws.
03/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • WY
  • 829XX
Web
I applied for the Destiny XXXX, issued by XXXX XXXX XXXX, Member FDIC, and serviced by Genesis FS Card Services , Inc . They performed an inquiry on my XXXX Credit report on XX/XX/2023. I never heard back from them, neither with an approval or denial, and never received any letter indicating adverse action. Its been over a month since today is XX/XX/2023. I attempted to call their customer service to get a status about 4 days ago and the representative stated the application is pending. The representative gave me another toll-free number to call for a status and that number turned to to be for a completely different card thats a XXXX XXXX secured credit card, which I never applied for, that is issued by a completely different company, XXXX XXXX XXXX XXXX, XXXX Isnt XXXX issuer of the Destiny Card required to send an adverse action letter if they are denying my application for the card?
03/16/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NJ
  • 076XX
Web
I made ( XXXX ) Payments to Genesis FS. XX/XX/XXXX for {$150.00}. This is reflected as paid on XX/XX/XXXX in Milestone Payment activity. XX/XX/XXXX for {$150.00}. This is reflected as paid on XX/XX/XXXX in Milestone Payment activity. XXXX $ XXXX.ThisisnotreflectedonMilestonePaymentactivity. Becausethiswasnotreflectedin Milestone, XXXX XXXX reversed the payment and refunded me. Milestone then reversed my XX/XX/XXXX payment. For two months, I have called a half dozen times. Each call takes 45-60 minutes. I have sent XXXX faxes with all the documentation. They do nothing but give me the run around. Every time I call they say that the haven't received the fax. They don't have a phone number or email or online chat/text with anyone in so called " billing department ''. In the meantime I'm " over my credit limit '' on the card which has a negative impact on my credit rating.
10/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23608
Web Servicemember
There are XXXX incorrect fraudulent and unathorized hard inquiries on my credit report. Milestone Inquiry date : XXXX XXXX Milestone Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX : Inquiry XX/XX/XXXX XXXX XXXXXXXX Credit plus XXXX XXXX XXXX ( number does not even work ) I have not applied for any line of credit from these companies. i already have an account with milestone so there would not have been a need for me to apply for more, plus my XXXX XXXX was low in XXXX so i would not have applied. XXXX said that they do not have an application for me so no record of any inquiry but it is on my report. XXXX " XXXX '' - name of representative said he emailed his supervisor to have it removed and it has not been removed. Credit plus i did not apply for any credit from them. I would like for these companies to remove this incorrect information from my credit report.
12/06/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • XXXXX
Web
Hello, I am unable to make my payment online. When calling to ask why no one seem to know and keep sending me around in circles. When I input my information, via card number ss # etc. There system does not recognize my information but when I call to make a payment on phone pay there is no issues, what the use of having online system to attempt to make your payment and always something wrong. Please correct these issues immediately. I have been a customer for some time, and they refuse to give me a credit increase but have a policy in place for new customer but do not value old customer that's very unfair and a lack of injustice. In creating a policy there should have been a policy for all not just new customers and not offer your old loyal customer anything. Other credit when that change their loyal customer come first instead, I got talked to very bad by a member of management.
06/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23324
Web
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
03/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28314
Web
In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
05/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TN
  • 38018
Web
I got a credit report alert detailing that I had a new account with FEB/Destiny. I called the company and it was in fact an account listed in my name. I have never heard of the company or bank and reiterated this several times to the reps. They informed me that a freeze would be placed on the card and that a team would review it. I asked the rep for the address that the card was shipped to and when the account was opened. I was notified that it was opened on XX/XX/XXXX and the rep would not provide me the address but rather replaced the initial address on the account with mine which i find to be very unethical and unsafe. Rep then back peddled and stated that initially there was no address listed on the account. Asked the company to remove from my credit report and was informed that it could not be removed until after the investigation and me filing an affidavit with the FTC.
11/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MA
  • 020XX
Web Servicemember
This is a newly developed situation that is a continuation of complaint : XXXX In XX/XX/XXXX I had issues with the company where I decided to close my account with Indigo ( XXXX XXXX ) credit card. The company had been informed of fraud on my account which successfully was reimbursed for. I closed the account in XX/XX/XXXX due to various reasons, one being the card company kept allowing fraudulent charges even after informing them the charges were not authorized. Now, beginning of XX/XX/XXXX I received a notice from Indigo that there were charges posted to my account which was supposed to be closed and no longer available to be used. I have informed the company this again is fraudulent and the card is to be 100 % closed an no longer able to be used. The company will process this against my credit report as being late which I am attempting to fight before it happens now.
04/06/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • TX
  • 76049
Web
On XX/XX/XXXX I was charged {XXXX} from XXXX XXXX for services that had not yet been provided. Then another {XXXX} in XXXX, XXXX and {XXXX} in XXXX, XXXX. This was all charged and the only services that were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told that I had a credit for a partial and when I went to get it, they told me that I owed another {XXXX}. I started pulling all the documents from my insurance and XXXX XXXX billed them for the same amounts. I should have only paid {XXXX} per my EOBs. I was overcharged by {XXXX}. I have contacted Genesis Credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been hung up on, talked over with no resolution. I have faxed 30 pages of documents 4 times showing I was overcharged and they said they never received my fax even though I have confirmation it went through.
06/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • CA
  • 93312
Web Older American, Servicemember
On the following dates GENESIS FS CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX OR XXXX, removed electronically the following amounts from my checking account, XXXX XXXX, XXXX, CA XXXX ; XX/XX/2023 {$700.00}, XX/XX/2023 {$100.00}, XX/XX/2023 {$520.00}. We are awaiting the 'final ' amounts from our bank during the nxt few days. On XX/XX/2023 we found the draud upon review of our mailed bank statement. We immediately contacted our bank, had to actually go down to the branch and sign paperwork, and now our account is being closed. We attempted to contact GENESIS but could not get through their " service '' because we did not have an account with GENESIS. We have sent registered letters. GENESIS is refusing to contact or make amends or payments to us for the lose, new checks, XXXX time to change and r-set up the accounting books dealing with the bank account closure, etc.
11/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WA
  • XXXXX
Web
I closed my Indigo card account in XXXX. Completely paid off the card. when the card was closed, that should have meant no more transactions. I was told the card is closed and to destroy it. I did. Since then, I had XXXX unauthorized transactions from XXXX different company. I called Indigo and was told my account is closed and they were trying to figure out why I am still being billed for some auto pays that I am being double bill for. Since XXXX of the auto pay is my virus protection, I agreed to pay for the charge and was promised nothing else will be billed to me. Well, that didnt happen, I am steadily being billed and it seems the customer service rep cant do anything but lie to me about the closed account. I thought closed meant closed. I want this account shutdown completely with a {$0.00} balance as it was back in XXXX. Indigo doesnt know what close meant.
10/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33169
Web
FRAUD & THEFT XXXX FINANCIAL HARM/ DAMAGE TO PERSONAL CREDIT. My name is XXXX XXXX NOT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, charged for a procedure that never took place for the patient. A XXXX XXXX was done w/ NO additional medical labs work, NOR any medical procedure done with NO medical release for the patient that wasn't me. Financial contracts were signed XX/XX/XXXX through GENESIS CREDIT fs card services {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. Since such time as I was declined of a credit card XX/XX/XXXX and my credit reports ordered that I noticed harmful information on my reports by GENESIS CREDIT aka XXXX XXXX ( credit reporting ). Contact was made by mail and phone to both XXXX & GENESIS CREDIT to NO prevail of theft & negative info. It is now with due diligence that government intervention is necessary in these fraudulent affairs.
01/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • SC
  • 29644
Web
The company is Genesis Fs. I have XXXX credit cards with them. The oldest being XXXX XXXX XXXX I believe. I have lived at the same address for XXXX years. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.
09/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 75019
Web
On XX/XX/2022 I received a text from my credit card company alerting me to fraud. I immediately logged onto my account and saw several charges dating XXXX. I then called the fraud department for Genesis FS Card Services ( Indigo Credit Card ) and told them that these charges were no authorized by me and I had no idea who the companies were that charged my card and needed to get a new card number and dispute the charges as fraud. To this date the dispute has still not been resolved and I have had to call the credit card company twice a month. It has been almost 5 months of this. I have not received a case number, I have not received any letters or notifications acknowledging the complaint and it has been longer that 90 days. I have called Indigo Credit Card ( Genesis Bank ) on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022.
06/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WA
  • 989XX
Web Servicemember
I have only been able to make 1 payment on this account. Every month after that I tried to make the payment and they would return it saying it was an invalid account. They put late payment notice on my credit report and continue to charge me compounding late fees. I have tried re-entering my bank information yet they keep returning the payments. ( I have documentation of all this ) I have sent them 2 letters stating that IF they remover the late charges and IF they remove this from my credit reports I will send them a certified check paying off the balance. The have NOT responded to any of this and instead have started calling me at all hours harassing me for payment. As they have an OR address if they do not do as I have requested I plan on suing them in Small Claims Court for {$5000.00} for the damages they have done to my credit report and the harassment.
01/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • AZ
  • 85286
Web
I made a payment on XX/XX/XXXX of {$300.00} that posted to my account on the XXXX. However, the credit card company will not release the funds even though its posted. I called and they said can't release available credit for 14 days. I asked to speak to a manager. The manager said the same thing. I was told NOBODY has the ability to release the credit. I then asked to speak to his manager. I was told manager would tell me the same thing but put me in a queue. I heard music and then suddenly it stopped and I hear dead air but the call is still connected. 40 minutes and nobody is speaking. I have an emergency and they have taken my money from my account but refuse to release it. Then I just got ghosted. As I'm typing this, the call is still connected but dead air. Nobody will respond. This is unacceptable. They have taken my money and refuse to release it.
08/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28269
Web
After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under CB INDIGO and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
01/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • SC
  • 29644
Web
The company is Genesis Fs. I have 3 credit cards with them. The oldest being XXXX years old I believe. I have lived at the same address for XXXX years. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.
03/15/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 402XX
Web Servicemember
On XX/XX/22, XXXX XXXX advertised that Indigo was a High match that I would receive a credit card. it also said on the promotion that this pre qualification will not affect your credit. I have provided a screen shot of what Indigo 's Website actually says. As I proceeded with the application, it states that this will not affect your credit as I gave my information, I immediately got notification that my credit was ran as a hard pull because I have fraud alert on my credit report. I called during business hours the next day to let them no what happened and I was told I would be given a call back. It is now XX/XX/XXXX. I called yesterday XX/XX/XXXX, to get status and they told me that it will not be removed. I refuse to allow this company to take advantage of my credit by unlawfully running a hard inquires WITHOUT my permission. I want this removed immediately
01/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • SC
  • 29644
Web
The company is XXXX Fs. I have XXXX credit cards with them. The oldest being XXXX XXXX XXXX I believe. I have lived at the same address for XXXX XXXX. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.
05/23/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CO
  • 80601
Web
On XXXX, I closed my account with indigo financial ( Genesis FS Card Services ) with a XXXX dollar balance. In XX/XX/2022 I receive a notice that I had a balance on the card. I contacted them about the balance and found it was for unpaid interest charges On XXXX, I spoke with Indigo about my card because I yet again receive a notice that there is a balance. The balance is for XXXX XXXX XXXX on a closed card with XXXX balance. They also had charged interest. They acknowledge my card was closed on XXXX. They are blaming the XXXX XXXX XXXX however didnt understand why the card was still allowing charges after being closed. At no point did any agent Ive spoke to have any empathy or concern that the company had done something that is illegal. I fear this is not the last time I will have this issue with Indigo. Unless action is taken by a governing agency.
10/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • GA
  • 30052
Web
I had 2 credit cards with Genesis FS Card Services and both account are closed both are paid but one is still showing a balance this are the accounts. CB indigo card- XXXX Feb Destiny - XXXX I did not consent nor had the option to opt out of sharing of my information and under Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
03/11/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CO
  • 80111
Web
I have a credit card that I have been attempting to make payments on since XXXX. Each time I have attempted to make a payment, I have been told through the customer portal that the payment was received. However, after each payment attempt, I get a notice that there has been a reversal of the payment without any further information. Additionally, this has somehow managed to decrease my available credit on the account based on the current balance. For instance, theres a {$700.00} credit limit, and my balance is currently sitting around {$590.00}. It now says my available credit is negative {$110.00}. I am expecting the payment to be reversed in the coming days as it has since Ive been attempting to make payments since XXXX. I do not know what else to do. The last payment I sent was done over phone instead of the website to ensure that it would go through.
01/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WY
  • 82009
Web
In XX/XX/2021 I discovered a fraudulent credit account opened in my name with Genesis Credit out of XXXX XXXX. I contacted this company and they stated an account was opened online and purchased {$4000.00} worth of stuff. I told them I did not open this account or authorize this and asked to speak to there fraud department. Genesis stated they could not connect me to the fraud department as they do not have a phone number. I filed a dispute on my credit report and sent letters to each agency and Genesis credit. XXXX will not remove stating it is accurate information. I have filed with the XXXX as well. I want this removed from my credit report as I did not open this account. I will continue to send letters to the credit bureau and Genesis Credit hoping to have it removed. I do not have this kind of money to pay on something I do not own. Please help
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76063
Web Servicemember
XXXX XXXX XXXX KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602 . WHICH IS ALSO AGGRAVATED IDENTITY THEFT. BEFORE, DURING, OR AFTER THIS TRANSACTION THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER. THAT MEANS I NEVER RECEIVED ADEQUATE NOTICE MAKING IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY AGREEMENT ( S ) MAKING THEM NULL/VOID. I WASN'T AWARE THAT XXXX XXXX XXXX WOULD BEREPORTING ANY DETAILS OF OUR RELATIONSHIP TO ANY 3RD PARTIES ( CREDIT BUREAUS ) WHICH IS A DIRECT VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX XXXX ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF XXXX XXXX INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER. Account number XXXX
10/13/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 33178
Web
On XX/XX/2022 I was contacted by XXXX XXXX with XXXX XXXX XXXX from a phone number in California. He shared that I was going to be sued and my employer would be contacted to verify my wages and I would have my wages garnished and could lose my job if my employer found out. He also stated that the attorney would be serving me documents to appear in court and as I was defrauding the bank. I advised that I had not received any communication in the mail and he said that they had several addresses on file for me and that may be why. He continued to threaten me with taking legal action against me, contacting my employer, garnishing my wages, and taking me to court, and that I would be served by a sherif or legal authorities. This is the first time I am contacted by this representative and again advised that I did not receive any information on this matter.
12/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30034
Web
On my credit report I have a company name FEB/DESTINY, XXXX XXXX XXXX, XXXX, Oregon, that is unknown to me, and it's stating a " Hard Inquiry '' on my credit report. Back in XX/XX/, I was thinking about getting a credit card. But after I read that they require me to pay so much money for it, so I didn't apply for it. I never did the application nor did I ever receive a credit card from them. When I called the phone number listed on my credit report which was ( XXXX ) XXXX, and it was a none working number! Which made me think that this was some kind of SCAM or something! Because I never applied nor did I give anyone permission to use anything about me. But now, it is on my credit report as a Hard Inquiry making my credit report look bad. I think that this is very dirty for companies to try and mess up your credit for NOT being a customer with them!
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98335
Web
This account is supposed to be closed yet it is saying it is not paid, and hurting my XXXX XXXX. XXXX - XXXX Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My XXXX XXXX cards and my XXXX card are now being paid off with monthly payments.
01/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CT
  • 065XX
Web
Over the period of several months I did have financial difficulty in making payments on my Milestone Card but I did attempt to make several payments with an agent. During this time, it appears the agent captured the incorrect routing number or account number when I made the payments which resulted in late fees. I called Milestone on XXXX to make a payment as the account was past due and the agent assured me there would be no negative credit reporting by making the payment that day, which was a lie. I recently became aware there was late payments reported to the credit bureau despite my attempts to make payments on XXXX and prior. In addition, the agent did not capture the correct account information to take the initial payments. This negative credit reporting has caused me to be declined for a mortgage and I lost {$500.00} paying for an appraisal.
07/11/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11434
Web
According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
12/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • AZ
  • 85032
Web
Milestone sent me an online application for their card. I entered my information to see what the rates and terms were. However when I went to view the rates and terms the website said I was approved and being sent a card. I didn't want the card or the account with Milestone, I only wanted to check rates. Next they sent me a {$300.00} limit card on it with a {$75.00} bill due already, and I hadn't activated an account with them. Now I am trying to let them know they sent me this card in error and I don't want it. A {$300.00} card with a starting {$75.00} fee is ridiculous and I wouldn't have accepted such an offer. I'm on hold and being transferred but nothing is getting resolved. This is bad customer service. They are tricking people into checking rates and then instantly sending out a card before rates and the card can be accepted or denied.
05/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MT
  • XXXXX
Web
I received a statement in the mail at the beginning of XX/XX/2023. It has annual fee charges and credit protection fees. I did not open this credit card. On XX/XX/2023 my wife contacted the number on the statement to let them know this account was opened fraudulently. They indicated she needed to give them my social security number to even speak on the account. This is not a practice she felt comfortable with given it is fraudulent in the first place. I received another statement adding credit protection fees and interest to the previous statement balance. I have never used this card. I do not have a physical card. It was not opened by me. I am submitting a written notification as instructed on the back of the statement and sending it certified mail to Genesis FS Card service within the next 2 days stating this account was opened fraudulently.
05/22/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 93033
Web
credit card company is Genesis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX, first card payment, i enrolled and payed on time using my bank institute which normally takes 2-3 business day, wrong it take them 1.5 weeks to process payment then was XXXXXXXX XXXX charges returned fee charges late fee charges and because FS takes to long in processing. i explain that i have lots of movement in my checking account and if there is a way to pay more rapidly, the gave me a XXXX number which is noted above, same thing i pay and it get process late this card does not operate like other, this milestone acct does not accept debit card payment over the phone or online. its so difficult wo pay on time when they take 1 week and a half to note the account by than its already late i cant imagine how many others are experience the same as i do. please help
11/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95124
Web
My Social security number was used to open a Credit account with Genesis Credit Card services back in XX/XX/XXXX. Account number : XXXX. The amount owed after the late fees came to the total {$480.00}. I found about the charges earlier this year XX/XX/XXXX, and tried to dispute it. XXXX XXXX XXXX XXXX, debt collector denied my dispute XX/XX/XXXX and claims that I still owe the amount due. {$480.00}. I have repeatedly showed them tax documentation and called several times to prove my identity, but they continue to deny me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Email : XXXX I have lived in California since XXXX and have never moved out of state. My home address, has been my billing address since XXXX. I also filed a report with identitytheft.gov and submitted the documented letter to XXXX XXXX on XX/XX/XXXX.
11/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 33325
Web Servicemember
XXXX XXXX XXXX Milestone was sold to XXXX and then to XXXX XXXX. I paid XXXX XXXX on XX/XX/2022. The account shows XXXX. They told me that if I submitted the letter to Milestone it will be shown as XXXX XXXX or something of the like. It doesnt. It shows Derogatory and while there is a XXXX balance it doesn't mention me paying anything in good faith which is unfair. Milestone reps told me because they did not get the money they will be leaving it on there but I know that is unjust and illegal because they did get money during the chargeoff. I spoke to XXXX XXXX on XXXX XXXX at XXXX XXXX XXXX who claims it isn't here issue either. I have a receipt. XXXX XXXX XXXX says its not them to remove it but the 3 credit bureaus have assured me it is their doing. My rights have not been abrogated. Please delete this damaging account information.
11/24/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 76179
Web
After XXXX I had not used this credit card and have been stuck paying the bill. Since XX/XX/11 my card has been fraudulently charged by an unknown person. I have brought this up to XXXX several times after I noticed the transactions in late XXXX. XXXX cancelled my account issued a new card and have not since given me any written notice of the fraud being taken care of and deducted from my credit statement. The account was paid in full in XXXX on the XXXX. I am still receiving bills and calls from XXXX to make a payment when in fact they owe me money as none of these charges were even from me. I have had late fees and interest fees charged when I am not supposed to owe anything. I need help, XXXX has said they will fix this and has not and has charged me since my report made to them in late XXXX. I am so frustrated no one has helped me.
11/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23606
Web
I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX 2020 you reported that my transaction was 30 days late. XX/XX/2020 you reported that my transaction was 60 days late. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( CB INDIGO/GF ) Making the report is not INCLUEDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
12/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92860
Web
I closed and paid off the balance on a CB Indigo GF credit card back in XXXX. The credit card company keeps harassing me via cell phone and keeps adding interest to a XXXX balance. I got nowhere talking to them. I contacted XXXX.com and disputed the charges. It was resolved and removed. Then a XXXX time CB Indigo GF began charging me interest upon interest on a XXXX balance and XXXX XXXX score was affected on my Experian.com account once again! I contacted XXXX again and opened another dispute and it was resolved and removed. Today I see CB Indigo GF credit card is back on my XXXX account a THIRD TIME as of this month!! I contacted XXXX via phone and they advised me to contact you. Please get rid of this company who continues to harass me and tries to destroy XXXX XXXX with these bogus claims of, now, 150 days late of payments!!!
04/25/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33028
Web
On XX/XX/2023, an inquiry appeared on my credit report from XXXX XXXX I called them on XX/XX/2023, spoke with customer service and the person told me that it doesn't appear on any account under my name or SS #, and they don't know how that inquiry it appears in XXXX bureau XXXX On that same day I put an alert of Identity Theft on that credit bureau, ( XXXX ), and XXXX too. Today I'm looking at my credit report and find out that somebody opened a credit card from FEB-RETAIL account # XXXX, with credit limit of {$6000.00}, and balance of {$1000.00} as a today XX/XX/2023. Also, appears an address under my credit report at XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXXXXXX - XXXX NEVER IN MY LIFE LIVED AT THAT ADDRESS or even in that City or State. This is Identity Theft! Need to close that account immediately. Thank you, XXXX XXXX
01/24/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NE
  • 68521
Web
I have attempted to contact this company multiple times for the last few months, which they stated they do not have the account and it was charged off. I have asked for more information and my options. This company continues to report a balance for this account even though they claim it was charged off. I even contacted the company they say they charged it off to which is XXXX, XXXX also has no knowledge of said account. At this point I have no way to locate this account, no way to request more information and no way to resolve this said issue. Its very frustrating for me because it contains to ruin my credit but I am not given the opportunity to request verification and/or settle. I have waited a whole year since my last complaint and I am still in the same the position nothing has changed I think this is more than enough time
08/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NY
  • 10306
Web Servicemember
I received a promo correspondence from Destiny Mastercard to open a new line of credit for XXXX dollars. I accepted and used the card, and spent XXXX dollars. Upon calling to check my balance after getting an insufficient funds notification, the automated teller on the phone gave me a negative balance of XXXX. When speaking to a live agent on the phone I was told that the new card was merged with an old account with the same company and that it replaced an existing expired card leaving me with a negative balance of XXXX dollars. The problem is the card was sent in a promotional " new card '' packet. The cover page that the card was attached to had no mention of it being a replacement card. Everything in the Mailing showed the card as being access to open a new account. Attached is a copy of the letter that came with the card.
08/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MS
  • 386XX
Web
I called in 2019 to cancel this card. I was under the impression based on my phone call that the cancellation was confirmed. I then went to work out of town due to Covid shutting down a lot of my companys work and was not home to see any mail coming in from Genesis FS. If it did come, Im sure I was passive in acknowledging it because I had cancelled this card and never carried a balance on it. The late payments I have acquired are for the annual fee I was unaware I was charged for. My frustration continues because when I called again recently, I was told I could only cancel this card by mail and the next day I see this account has been closed. I am trying to apply for a mortgage loan and the late payments have ruined my credit. The late payments are not a reflection of my credit worthiness, but a result of poor customer service.
06/23/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 78577
Web
I opened an account using my ITIN number. I was approved. For some reason, they messed up and register another number that is not mine. I try to register online to access my account and make payments but I can't because my ITIN number is not the one they used so they do not match. I have been calling them for almost 2 months but they still can not fix my ITIN. I've sent my documentation several times, first via mail, then fax ( like 8 times ). After talking to them many times to fix this issue, finally they told me I need to send my ITIN card, which I don't have because this doesn't exist. IRS doesn't issue ITIN cards anymore since 2004, they just issue letters with the ITIN number on them. That's what I sent but they don't hear anything I say and they don't care about it, they are just asking for a card that doesn't even exist.
07/04/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 34743
Web Older American
I had Payoff this Credit Card, which had a balance of XXXX on XXXXThe name of the credit Card company is Milestone ( genesis ) But I receive a statement in XXXX of XXXX with a charge of XXXX which I. did not recognize and did not authorize, See enclose statement. I had call them about this charge, but they never investigate and until this date have been demanding, payment without any proof, that I owe them this charge. not only that, but have added late fee 's, in the amount of {$130.00}. I had a Law firm, to write them about this dispute and send proof of this charge, but to no avail. On top of that, they have reported it to the credit bureaus and have ruin my credit report, has a past due account. I have enclose documents of proof that it was pay off. Also a payment of payment {$15.00}. with the letter from the Attorneys.
11/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33020
Web
The company Genesis FS Card Services is stating that I owe them {$1700.00}. there has only been purchases of {$970.00}. I don't see where they say they have credited me {$1700.00}. these are false statements and there is no purchase in any of the areas that show this much money was being used or has been used for any purchases. The statements are vague and they don't have all information theinformatin for XXXX and XXXX which statements we're not correct. The company was notified twice during the month of XXXX and XXXX about the incorrect balance.There was no feedback during this time that gave me the satisfaction that what was being said was true. There are no purchases or changes of any service or items that match the amount the company is saying I owe them. The true balance shows within their web page portal and dashboard.
11/01/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • TX
  • 787XX
Web Servicemember
I received a copy of my credit history report from ( XXXX ). That Report contained incorrect information reported, someone stole my credit card use identify theft, call FEB Destiny remove charge, or verify.This negative mark is damaging to my credit. Please contract XXXX, XXXX and XXXX XXXX XXXX immediately to remove this information from my credit file.The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. I will assume that I have not received your reply because you have been unable to verify.The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. I will assume that I have not received your reply because you have been unable to verify or remove debt.
03/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33625
Web
i have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. With the newest card account I did contact the creditor directly and spoke with a XXXX & XXXX both of whom could not do anything until another report was filed with the FTC. Please see both police report number below. case # XXXX : XXXX case # XXXX : XXXX
08/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MO
  • 65536
Web
On XX/XX/XXXX & XX/XX/XXXX I made two {$42.00} payments to Genesis Milestone Mastercard. One of those was accidental. I called today on XX/XX/XXXX to get a refund issued or one of the payments transferred to the XXXX balance. They refused to help saying that they have no options to help me since the payment was issued already. Asked to speak with a supervisor in hopes they had options. She also said there was nothing to do. I canceled the card and closed the account as that does not seem right to not have any sort of solution to offer. I've made an overpayment before with another issuer and they were more than happy to help. Knowing that better customer service is out there, I don't want to be apart of GMM any longer. It seems there are laws that say they should be able to do one of the above options and I hope that's true.
02/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • TX
  • 77511
Web Servicemember
About two weeks ago I received a card in the mail that I didn't apply for and an indication that I should activate the card. I took that to mean that if I didn't activate the card, the card would not be active and the account wouldn't exist. Today, I received in the mail a statement showing I owed {$75.00} for the card for an " annual fee '' for a card I didn't order and didn't activate. I contacted the company and they said this was likely a case of identity fraud. However, that makes no sense as the card was linked to my cell phone and sent to my home address. I asked for a copy of my application to be sent to me and they said that they couldn't do that. I asked for the card to be canceled, the account closed, and the amount owed to be XXXX out. I was told it would be suspended until they concluded their investigation.
01/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89113
Web
1561 U.S Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
01/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CO
  • 81501
Web
I received a bill for a credit card from Genesis FS Card Services. It was a Mastercard and the number is XXXX. I have no knowledge of this card and did not apply to receive this credit card. The balance dates and amounts are during the course of time I was incarcerated in 2021, thus further proving I had no knowledge of this account or card and did not agree to these services. The credit line is {$300.00}, the past due amount was {$280.00} and the Over limit amount is {$320.00} Late payment {$40.00} Interest charge purchase {$14.00} Bringing the total balance to {$620.00} I would like this issue to be investigated if there was either possible fraud on the companies part, or the possibility of my ex boyfriend opening accounts without my knowledge and using and hurting my credit during the time of my incarceration in 2021.
10/24/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • WV
  • 254XX
Web
I made a per XXXX with my XXXX Genesis credit card in XX/XX/2022 and was told I would have 0 % interest for 12 months. I had to pay a certain 20 % percentage down to qualify for the 0 % interest. My interest rate was incorrect and I paid interest in multiple payments. They randomly credited my account in full and rebilled as separate charges on different dates for different amounts and my monthly payment tripled. My original purchase amount was for {$3600.00}. I paid {$720.00} and put the remaining balance on the credit card of {$2800.00}. They since have credited and rebilled my card multiple times without my knowledge and my monthly payment has tripled. These are all udaap violations. I called and was hung up on when questioning my account and attempted to call back 4 more times and the call disconnected each time.
01/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20774
Web
XXXXXXXX XXXX card recently sent me a bill after my account has been closed with them via a legal means. I submitted a dispute to XXXX card and which XXXX of representative responded that the trade line has been removed. Its been over a month and XXXX seem to not remove the item but rather when I submit a dispute to show the account has already been deleted. XXXX card service keep verifying a trade line that they said has been deleted which is false representation. Kindly attend this matter as matter of urgency as the account is still on my credit report and hurting it even more. Attached is documents which stated our previous conversation with XXXX and how untrust they can be. Delete this account as stated in our previous dispute via CFPB. Please provide document of deletion to make sure it was confirmed to be deleted!
10/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • MI
  • 48227
Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
07/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • KY
  • 422XX
Web Servicemember
The company XXXX changed my payment history this year XXXXXXXX XXXX from all on time payments to late or missed payments from the months XXXX XXXX XXXX. They just decided that somehow I was late on payments that I have been on income repayment program since I withdrew from the university and they loans had been credited back to The Dept of Education. Back in XXXX I withdrew before the new semester started and have proof the loans were sent back. When I contacted XXXX about the issue they said they only collect payment for the dept of education. I emailed copies of my student ledger showing the payments back to the loan but they have not dont anything to correct the loan on my credit report. I also was a victim of the XXXX data breach when so many borrowers had their social security number stolen among other things.
04/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33625
Web
I have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. With the newest card account I did contact the creditor directly and spoke with a XXXX she advised they could not do anything until another report was filed with the FTC. Please see both police report number below. case # XXXX : XXXX case # XXXX : XXXX
07/08/2022 No
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 464XX
Web
Genesis FS Card services through XXXX XXXX immediately starts calling XXXX XXXX when you are past due on your payment. They call from a bunch of random numbers. They call as early as XXXX AM and as late as XXXX PM. They call at least XXXX times a day. They are calling my business line and my personal line. They call so much they are knocking important numbers out of my phone that I barely get a chance to save. NONE of my creditors call 1 day past due. XXXX days I get that. But as much as they call. I block numbers and they call from other numbers. They will even call from a number thats in the area you live in to try to get you to answer a call. XXXX over sick of this. I am currently 5 days passed my due date and they have called at least XXXX times already. I will never ever do XXXX with any of these XXXX again.
06/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 27519
Web
On XXXX XXXX XXXX EST XXXX XXXX XXXX under phone number ( XXXX ) XXXX messaged my dads number ( XXXX ) XXXX ; this message contained a link, confirmation number of the debt and a statement acknowledging that they are debt collector. I found this immediately disturbing as they never even attempted to contact me first, since the message contained my legal name. My phone number is ( XXXX ) XXXX. This is inexcusable behavior from any debt collector. My dad could have pretty much accessed my debt at any time but he chose to ask me first ; I told him to delete the message because it doesnt relate to him. This is in clear violation of the Fair Credit Reporting Act as this company deliberately attempted to display collection activities related to my closed account towards in another family member without my knowledge.
08/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • IL
  • 60564
Web Servicemember
After a Dispute with XXXX XXXX they applied an extended fraud alert without my consent and listed my phone number incorrectly. The last for of my phone number was listed incorrect my number is ( XXXX ) XXXX XXXX had my number as ( XXXX ) XXXX. Causing massive issues. I applied for an account with Destiny credit card and received a letter listed below with reference number DestinyXXXX, that stated they were unable to verify me, and gave me a number to call. I called Genesis FS Card Services at XXXX and spoke with XXXX an account manager for Genesis FS Card Services, and I explained the situation and let her know I had XXXX correct their mistake and asked her for a reconsideration. XXXX told me that she could not offer me a reconsideration and that I would have to apply all over again receiving another inquiry.
09/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 335XX
Web
Hello, my name is XXXX XXXX, and I received several emails on XX/XX/XXXX & XXXX regarding this Destiny Mastercard & XXXX XXXX XXXX that on they ran my credit without a written authorization by me this is Identity FRAUD I did not solicited nor requested this service by this company my personal information have been stolen. I have attached below proof that my name and address was used in several ways in attempt to acquire the credit. I demand a proof of a wet signature of my behalf that this was in-fact solicited if the company can not provide my written signature, I am requesting that the hard inquiries produced by this company be removed immediately from my credit report and all three major Credit Bureau XXXX XXXX XXXX & XXXX XXXX Due to this fraud, I requested a Police Report for the Identity Fraud Report.
08/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95621
Web
To whom it may concern, I am requesting for assistance with Genisis FS Card Services Unwillingness to Provide assistance with my current hardship. I have asked for a modified payment arrangement with no response after previos phone calls. I have been facing financial hardship recently due to income reduction, which has made it difficult for me to keep up with my credit card payments. In light of my situation, I took the initiative to contact them in the hope of reaching a reasonable payment arrangement with a reduced interest rate. The current interest rate my lender is charging me is obscene! I am willing to work with them for a reasonable payment arrangement to clear my outstanding balance. However, I regret to inform you that despite my efforts, I have not received any viable solutions from my lender.
03/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 236XX
Web
Milestone credit card/ MasterCard/ GenesisFS Card Services Inc XXXX Bank of XXXX XXXX XXXX XXXX, XXXX, OR XXXX is reporting wrong information to credit bureaus. They have reported that I havent paid in over 30 days in XX/XX/2022. Therefore they have dropped my credit score tremendously for this incorrect info they hav reported. Not only that, but they are reporting information a month and a half later. This was for XXXX reporting and it is about to be XX/XX/2022. This information is incorrect. I made a payment on XXXX XXXX, so how can I be over 30 days passed due? Somebody needs to look into this company. I also have pictures of statements from them. Showing my information... ..My score has dropped XXXX points on XX/XX/XXXX, XXXX of this. When my score was just increased by XXXX points on XX/XX/2022 2022
09/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • WV
  • 261XX
Web
In XX/XX/XXXX, I noticed it has been very difficult for me to pay down my balance on my Milestone credit card. Upon further investigation of my statement, I noticed a " credit protection fee, '' that I did not approve, has been charged to my account since at least XX/XX/XXXX ( the farthest statement I can see online ). In XX/XX/XXXX, I called and spoke to a representative to tell them I wanted this canceled and refunded for all prior charges as I did not approve this service. They said they were not sure they could do this but would escalate my complaint and let me know. This has been over two weeks ago and I have not heard anything. According to my recent statement, I am still being charged this fee. I would like to have this service stopped and be refunded for all " credit protection fee '' charges.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90059
Web
To whom it may concern : Hello I have 2 accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXXXXXX is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS XXXX FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that XXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is Destiny Mastercard. Im requesting for Destiny Mastercard to be removed as well for reporting illegally according to the IRS.
11/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 752XX
Web
I have not given any company consent to use, report or inquire on my behalf. I have called XXXX several times to remove inaccurate inquiries and have not received remedy. I was given a number to call XXXX XXXX XXXX XXXX XXXX services also known as CB Indigo for inquires on XX/XX/XXXX and XX/XX/XXXX the company said they have no knowledge of an inquiry made through my name or social security number, therefore they have no way of sending XXXX any information to verify the information. I called Back a XXXX time and informed XXXX of this information and the agent I talked to was very combative. They seem to have no knowledge of how I can complete my task. Inquiry for XXXX XXXX XX/XX/XXXX I did not give consent for inquiry I was told there was no phone number for contact to verify any information.
06/15/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33611
Web
On XX/XX/2022, the credit card company alleges that XXXX XXXX made charges approx XXXX to this account. This is not correct, and XXXX attempted to resolve the issue with paperwork faxed, they refuse to remove the charges. We are all at great loss and will not advise of their paperwork, and who got the money. It appears to be fraudulant activity by the company itself and it will not remove the charges or set me free as it is impacting my credit report as it shows a debt owed and they continue billing me. I have tried as well as XXXX XXXX to get the issue resolved and the company advises they will review and get back to us in XXXX days and nothing happens. I am needing great help for this fraud and extorsion for a sale of items I never received or got. XXXX XXXX can confirm all of this information.
11/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77705
Web Servicemember
I am writing to dispute the following information that appears on my credit report on XX/XX/. Inquiry from XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from FEB/DESTINY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.
04/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 32757
Web Older American
There were several fraud transactions from XXXX thru XXXX. I contacted the bank and advised them of all the fraudulent transactions and they said they would take care of them and to expect my replacement card in 2-3 weeks. 3 weeks ago I saw my statement and noticed several of the fraud transactions still on the account. I sent them a copy of the statement and a dispute letter that the balance on the account should be XXXX. Again today I get a notification from them reminding me of an upcoming payment due - SAME charges listed same balance due. They did nothing to adjust my balance despite sending them a dispute letter letting them know none of the current balance belonged to me. Haven't received my replacement card yet - wondering why it takes 2-3 weeks to get a consumer a replacement card?
10/19/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 115XX
Web
On XX/XX/2021 I saw a new credit card on my credit report, which I never applied for. The account was opened inXX/XX/2021, with a XXXX Arizona address ( where I have never lived ). The card was opened with a limit of {$4000.00} and they had already used {$2900.00}. No inquiries appeared. That same day ( XX/XX/2021 ) I called the responsible company ( XXXX XXXXL XXXX XXXX XXXX XXXX , OR XXXX USA- XXXX ( XXXX ) XXXX ) and they stopped the card and is in the process of investigation. Also ( on XX/XX/2021 ) I called the 3 credit bureaus ( XXXX, XXXX and XXXX ) and put up a dispute. I called the police and they made a report to me on XX/XX/2021. The Responsible Company ( XXXX ) sent me an Identity Theft Victims Complaint and Affidavit that I completed and I will send it to them today ( XX/XX/2021 ).
07/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 11216
Web
Hello good evening. My name is XXXX XXXX XXXX. I have been trying to reach someone at XXXXenesis card services XXXX XXXX to have a fraudulent account removed from my credit information however I have not been successful since I cant verify the information that is on the account due to it being fraudulent. So this is my last stop. I do not know the card number because nothing shows in full on my report. And it has some Texas address that I have never lived either. I live in XXXX XXXX XXXX. Though my information has been part of a marriot data breach. Ive never heard of this company or the card and I am formally demanding it to be removed off my report and from their system. I have already alerted credit bureaus also.This is effecting my college financial aid applications and its just not okay.
04/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • VA
  • 22193
Web
Id like to open a complaint on Genesis FS Card Services , Inc . It appears they Im not the only client having ongoing troubles with this credit card company. There are multiple open complaints on them through XXXX XXXX XXXX I paid {$120.00} in XXXX to make my account current they promised a new card. XX/XX/XXXX they advised I was current but said they they received a request for an address change which I had not made. XX/XX/XXXX they reported a second fraudulent account then closed it but then opened it added remarks and closed it with remarks that Im not privy to which tanked my scores. Now I cant reach customer service and still cant dont have a card and cant access online services. And theyre now requesting {$80.00} to bring my account current. This seems very fraudulent and rather illegal
03/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • XXXXX
Web
I previous sent a letter to this company telling XXXX XXXX XXXX XXXX don't contact me about some bogus account they claimed I had with Indigo in year XXXX. They have continued to contact me by mail and by phone the number is XXXX which I screenshot on my cell phone. I was a victim of identity theft last year and it also shows on my credit report. They sent a Bill of Sale that is Post Dated A Year Prior saying this is when they purchased the Debt on XX/XX/XXXX. I have never had an account with Indigo and would appreciate if they remove this from my credit report and stop contacting me. I sent a letter to them because I thought they were an account from me being in collage paying for books which account was paid off now they say it's a credit card that I never received or seen a day in my life.
10/10/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 34472
Web Older American
I have made all payments to credit card and they say that I have not made the payments for XXXX and XXXX of 2022. As a result it keeps showing a balance which are the late charges. I have faxed proof of payments 3 times and I have mailed hard copies on 3 separate occasions ( one being domestic Return Receipt from USPS ) of the proof of payments from my bank showing that it was paid on time They told me that the first fax was not clear so I mailed them the clear copies and they fail to update my account. I am afraid that my credit score will lower because of their mishandling of my account. The last conversation that I had was with Account Manager XXXX in the beginning of XXXX and she assured me that she would call me back and I have yet to hear back from her. This has been ongoing since XXXX.
06/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AR
  • 728XX
Web
found this GENESIS CARD SVCS company on my credit report with 2 different cards. A destiny y and indigo. I have never heard of this company until now. I contacted them and made them fully aware of the situation and that I never authorized any accounts under my social to be opened with them. As well as I never lived at whatever address they have listed. I filed the first complaint against this company and they returned with a response which found it to be fraud but they only did the DESTINY CARD and didnt handle the INDIGO CARD when clearly there were TWO accounts marked as fraud CLEARLY STATED INMY COMPLAINTS AND ON MY REPORT. I am attaching their response they sent here to you which ONLY covered ONE of the cards and did NOT address and remove the INDIGO CARD ACCOUNT. REMOVE INDIGO AS WELL.
06/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 105XX
Web
After a XXXX previous investigation by CFPB XXXX FDIC Genesis Card Services XXXX XXXX Celtic Bank removed the late reporting from XX/XX/XXXX see letter of XX/XX/XXXX. Since that time, as of XX/XX/XXXX they maliciously reported XX/XX/XXXX being late on my XXXX XXXX and XXXX account. XX/XX/XXXX WAS NOT LATE AND HAS NEVER BEEN REPORTED LATE UNTIL NOW. This reporting has dropped my score, keeping me in a hotel unable to qualify for a mortgage, apartment or employment that would require a secure internet connection. These constant incorrect reporting 's are abusive mentally, financially and emotionally. I have employment and a home pending. This is emotionally, physically and financially abusive. I have become XXXX, not well and living in a hotel is draining my income. This has altered my life!
07/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77479
Web
I received a few letters in the mail about applying for a few credit cards which I never applied for. Luckily I was rejected for most. Then I ran a credit report and noticed a phone number, address, and credit line with " FEB/GFSCS-RETAIL ''. I immediately issued a fraud alert and reported these to the credit reporting company and they removed all except the credit line. I then called the credit line company ( FEB/GFSCS-RETAIL ) and they said they were already in the process of closing it. It was closed in early XXXX with an outstanding balance of {$3500.00}. I then called the credit report company and they issued a fraud dispute on the account and told me to file a report with the ftc. I couldn't find the right section to report so I am reporting here. The account was opened XX/XX/2023.
11/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 75180
Web
This has happened twice. I submit my payment. According to the card company, the payment doesnt go through and they did not notify me of any issues prior to the due date to allow me to submit another payment or even explain to me why that payment didnt go through so I can deal with the bank. The first time I didnt get a screenshot so I had no proof of submission. However, the second time I did. I called them and complained about the effect their laziness has on my credit and here we are, my credit has fallen 175 points. Yet Ive never actually made a late payment. And it concerns me that when I call them, Im basically told that because they didnt take the payment out, that I didnt pay it. Theyve added remarks to my credit report and refuse to do their part in looking in to reported issues.
04/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AL
  • 356XX
Web
On XX/XX/2023 I received two letters from genesis card services regarding a credit card opened up in my name. The first letter was about a credit protection plan offered by them. The second letter stated that the address on the account had changed. The date on these letters was XX/XX/2023 On XX/XX/2023 I checked my transunion credit report and saw that on XX/XX/2023 there was a credit check against my information from genesis card services. On XX/XX/2023 I called the number on the letter from genesis card services and reported to them that my information had been used to take out a card in my name. They submitted a report then requested that I submit a complaint through this site. The person stated that I would have to send a letter ( that I will receive from you ) and send it to them.
07/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TN
  • 37865
Web
Milestone Credit Card was closed end of XXXX by the company. I paid all fees. Over 3 months later XX/XX/XXXX I was issued a refund to that card. To my surprise milestone still is using my personal information. I asked that the refund be returned to the issuing party and all of my Information be cleared from their system. My request was refused. I asked that I be sent either the paper I signed that milestone can still access my personal information after account closure and they refused. I also requested my {$280.00} refund be expedite again a refusals. I asked several times for return calls the information and an expedited check for the refund with no success. I want to see the legal papers that gives them access to that information after account closure and I want my refund immediately
06/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77084
Web
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Privacy and Consent, there is no law stating that late payments have to be reported. This has to be a billing error and needs to be corrected, effective immediately. This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
04/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CT
  • 064XX
Web
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
01/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • SC
  • 29340
Web
About XX/XX/XXXX I received an e-mail from XXXX XXXX asking if this new card was mine. I opened the app and looked at report and noticed a new card had been opened in my name. I called the company listed with the card and told them I didn't open this account. They asked for my address and I gave them my address and it wasn't the correct one that was listed with the account. I gave them my previous address and that was not the correct one either. I have lived at my current address since XX/XX/XXXX. my previous address I had moved in on XX/XX/XXXX. The company I reported this to sent me a letter and asked for me to fill out a report for fraud / identity theft and send it back to them so they can determine the case. I did not file for a credit card with this company Indigo Mastercard.
05/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 30078
Web Servicemember
I received a notification from XXXX XXXX XXXX regarding a new account being opened in my name. I checked my credit report and there was an account from CB Indigo/GF opened on XX/XX/23 found on XX/XX/, that had a balance of {$130.00}. I contacted the company with the number provided on the credit report and spoke with a representative, informing her that the account did not belong to me, she asked questions and verified that the address on file was not my address and would initiate a fraud investigation. She instructed me to file a complaint on this site and it would take them approximately 60 days to investigate and remove the account from my credit report. The contact number for CB Indigo/GF is XXXX XXXX ) XXXX. Thank you for taking the time to look into this fraudulent activity.
03/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 11233
Web
The first time : I had autopay I turned it off I made my payment but this time from another bank account I received the Milestone credit card messages as paid after 3 to 5 days I check my bank to see if they had taken the payment but the money was still in the account contact Milestone they said they did not know but they had failed to pay a late fee but it would not affect my credit then the same thing happened two more times I changed the account and finally the payment was completed but Milestone in retaliation for closing the account for not solving the problems payment reported to XXXX late payment XXXX told me if they sent a letter saying they were not opposed to removing that from my credit XXXX would remove it but Milestone refused in retaliation for closing the account
04/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 47130
Web
This company is using unfair business tactics and reporting erroneous information to my credit report. I opened my Destiny Mastercard account with them around XX/XX/2021. I never received a bill from them therefore had XXXX payment information. I was made aware of the past due balance when I got an alert on my credit that it was 30 days or more past due. I immediately called them and paid my account current. I feel that them reporting this late to my credit is wrong because I never was afforded the opportunity to fix the mistake whether it was mine or theirs. I attempted to compromise with them but never received a call back. I have another account with this company and have always paid more than my minimum and paid it very early I think my account behavior speaks for itself.
04/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NC
  • 287XX
Web
I received a letter on XX/XX/23 that was dated XX/XX/23. The letter was from Genesis FA Card Services, XXXX XXXX XXXX XXXXXXXX, OR XXXX. The creditor stated that the card had a balance of {$75.00} which was. The annual fee. The card was addressed to me at my current address. The letter said thank you for XXXX them know about my change of address. Weve updated your chance of address on your Destiny Mastercard Account It also stated if I had my mail forwarded another letter was sent to my old address. Genesis states to call XXXX if the address shouldnt have been changed. I called Genesis FS card Services who told me to get a police report and also report to Federal Trade commission. I called the Sheriff Department today and the Detective is supposed to call me on Monday.
03/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • IN
  • 46060
Web
I don't remember when I first called asking for a credit card bc I never received mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But I knew it had annual fee, however, I was told once I got a working card they would remove interest. So I called to ask politely. He talked to the supervisor & decided to close my account due to no activity. I JUST GOT MY CARD. I want to review this company. The first guy said it didn't matter if I had a card. As soon as you qualify they charge you interest, I said that's illegal. I think they aren't doing things on the up & up bc I wanted to pay annual fee. Now on top of all that. The card I finally got has the last 4 digits as the card I never got. So someone else might have my stuff. I've already had to get new bank card.
06/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • WV
  • 259XX
Web Older American
A card through a destiny credit card company was opened in my name. I didnt know about the card until they started calling me for collections. Ive contacted the company to resolve it twice. They say theyre investigating it again. Im trying to refinance my mortgage but this is showing up on my credit line. I tried to pay it off just so I can get the mortgage loan but they wont let me pay it either because its reported fraudulent. At first the company said o could pay it out of a savings account. I told them I wasnt comfortable giving them access to my savings since its fraudulent charges to begin with but I could pay another way. They sent me back to their fraud department and said they would look in to it again. Thats when I contacted this government fraud department.
01/17/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 10990
Web
My XX/XX/XXXX bill with a due date of XX/XX/XXXX in the amount of {$58.00} was never received by me in any form which is an on going issue with this company. As a result the following months payment due on XX/XX/XXXX was now {$110.00} which includes the past due of {$58.00} which is clearly visible on their own paper statement. On XX/XX/XXXX the past due amount was paid bringing me current and only owing {$58.00} by the XX/XX/XXXX due date. On XX/XX/XXXX {$2000.00} they withdrew {$110.00} from my account even though I paid the past due amount on XX/XX/XXXX going against the signed minimum auto payment due document. I requested the extra payment to be credited back to my payment method and I was told no. I want the {$58.00} credited back to my payment method. Thank you
10/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 10036
Web
in XXXX i paid full balance leaving XXXX - the next bill showed a balance of XXXX XXXX i called the company as soon as i saw the bill i called customer service for Indigo card to report the fraudulent charge. i believe that was XX/XX/2022. .they sent me a new card but transferred the fraudulent balance to the new card. i called them again a few times. by the middle of XXXX i was getting past due deliquent notices. i have written to Genesis Card Service and emailed XXXX Bank. i have received no response from either. the only thing customer service said was that it takes XXXX days to investigate. Now the delinquency is being reported to the credit bureaus rather than waiting for the problem to be resolved. this is an awful company and i need help getting it resolved.
03/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33060
Web Servicemember
I have been the victim of identity theft. I have tried numerous times to get this Collection from XXXX XXXX XXXX removed from my report. I sent an e-mail to XXXX XXXX XXXX with the letter from Genesis FS Card Services/Indigo Mastercard which I have attached here indicating that I am not liable for this debt. XXXX insists that it is a different account number. I contacted Genesis, they advised me that it is in fact the same account and that they requested a buy back from XXXX of XX/XX/2023 and XXXX has not responded. I have been a victim of a crime and XXXX XXXX refuses to accept this fact and remove their collection from my credit report. They have also not provided me with the application that was made for this credit card as requested by me on several occasions.
06/17/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85254
Web
I initially applied for an Indigo Card through Genesis bank. I never received the card and I advised them of this. I was told they would send me a new card. I never received it. There was a purchase. made on the card. Genesis responded and sent me a letter advising that I do not owe anything for the account and am not responsible. The account shows closed on my account and should actually be deleted. Regardless it has now been sent to XXXX XXXX XXXX as they bought it as a charge off. On XX/XX/XXXX I sent a copy of the letter from Genesis saying I am not responsible to XXXX XXXX. Today I received an email from XXXX Oaks via email saying the charges are valid. I spoke to a manager today and he said I am responsible. I am not responsible. Please see all attachments.
07/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • IN
  • 46375
Web
XXXX - Received a credit card from Milestone Mastercard in the mail that I never applied for. Called multiple numbers until I called XXXX and spoke to XXXX in the Fraud dept. I told him I never applied for this card and he stated they will do an investigation and have charges removed as well as remove it from my credit report. He also stated that they will send a letter when investigation is done to my home address. Amount of CC was for {$700.00}. XXXX -Received multiple letters from XXXX XXXX stating that they need more information in order to verify me. I have not replied. The letter stated that if they do not hear from me with the info requested ( DL, DOB, SS #, address ) they will close the application. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, DE XXXX.
12/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Problem lowering your monthly payments
  • CA
  • 94804
Web Older American
I reached out to Destiny over XXXX month ago by telephone to let them know I have received their phone calls and I was unable to pay them XXXX in minimum payment because I have other debt obligations and my work hours were reduced due to XXXX. The representative told me they didn't have a program they could offer me. Because I haven't been able to pay all the late fees, interest, and minimum payment they are asking for, the card is seriously over the limit. I am reaching out to CFPB because I haven't been able to obtain appropriate help on my own to help resolve my debt. I would like to know if you are able to modify the payment for a few months to help me get back on track. I receive calls and texts but they refused to help me with an affordable repayment plan.
03/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • 30060
Web
I made a payment in full to clear my account balance. I received a confirmation of my payment and a statement in the mail thanking me for my payment along with the statement showing that i clearly had a 0 balance and my full available credit limit. My credit report shows my account is paid in full and has a 0 balance but i can not swipe the card to make a purchase. The funds are well processed from my bank and verified as paid per the information they have provided. I have gotten various dates for release from customer service representatives including tomorrow, or friday and I'm pretty much confirming that this isn't any verification that's needed as much as it is me paying for a product and not allowed to use it until Milestone credit card company gets ready.
09/26/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 95961
Web Older American
Genesis FS Card Services has changed its name to XXXX XXXX. You may notice a few changes over the next few months but youll still receive the same great services and benefits at all times. XXXX XXXX XXXX XXXX Good afternoon, XXXX XXXX ending in XXXX Current balance {$170.00} Payment due date Minimum payment due {$0.00} Credit limit {$700.00} Available credit {$0.00} AutoPayOff Make a payment Last statement balance {$0.00} Transactions Date Description Type Card Amount XX/XX/2023 ANNUAL FEE Sale {$170.00} PREDATORY LENDING- I CALLED AND ASKED IF THEY COULD LOWER IT. THEY SAID NO AND I HADN'T USED THE CARD YET SO I REQUESTED IT BE CLOSED AND THE {$170.00} FEE TO GO AWAY. EVEN WITH MY CREDIT SCORE I WAS ABLE TO GET A NOTHER CREDIT CARD FOR {$39.00} ANNUAL FEE!
06/11/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • DE
  • 19720
Web
I have a Credit Card with Indigo ( Genesis FS Card Service ). I had to call them when my card was expired in XX/XX/XXXX. It took them over 3 months to get me a new card. When I told them that I still didnt receive it, there was unauthorized charges on the old card. I still paid the balance in full until the investigation was done. I was told that they were going to remove the late fee and refund my money. When I spoke to a customer service rep XXXX on XX/XX/XXXX @ XXXX, she said that she wasnt aware. I later received another card in the mail and was still not able to use it. This Company is still reporting that I owe money on a previous card. Ive always paid my balances in full. Indigo Company is fraudulent and my significant other is having the same issues.
02/21/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • PA
  • 19140
Web
Date:2/19/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST Phone : XXXX FAX : XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Destiny On XXXX.I applied for The Destiny Mastercard Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Destiny has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
12/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 33967
Web
In XXXX of XXXX, I requested a new card from Destiny Mastercard and was told it would be sent to me. I had a XXXX balance at the time, and never received this replacement. My account stayed at a XXXX balance until this XXXX, now I am constantly being charged directly from my bank account from this bank and nobody will tell me why, or explain how I am charged this amount knowing they never fulfilled my request for a replacement card or made any charges for the entirety of the year. They are now harassing my work and home phone, randomly taking money from my account without any written reasoning, and asking for more money when remember, I have not had this card for over a year and they acknowledge I have not had this card nor have I made a single purchase.
06/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98006
Web
I received this SMS message on XXXX at XXXX PT for a credit card collection that I have never had. The sender 's phone number is XXXX _______________________________________ This message is from XXXX XXXX XXXX XXXX XXXX. We have options available to help you pay off the debt on your account. Pay off the balance of your account with payments of {$71.00} per month for 9 months. To set up a payment plan, visit XXXX. Have questions? Reply to this text or call XXXX. We have agents ready to respond during normal business hours. This message is regarding your Indigo XXXXXXXX account originated by XXXX Bank, which is now owned by XXXX XXXX XXXX XXXX, XXXX. We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
03/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98407
Web
I had an account with FS Genesis Card services. I paid off my card around XXXX and wanted my account closed due to the fact the said they keep mailing me out cards that never arrived at my place so I just ended up calling and getting my account closed. The person never closed my account so fast forward to a month ago and they said I was late on a payment and reported it to my credit company. I called up genesis card services and the first person I talked to seen where I was coming from and not only took off late payments and interest charges but took off the annual fee and put my account down to {$0.00} and finally closed my account. It has already been reported to my credit company that I am 60 days late on my payment that I was never suppose to have.
12/02/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 145XX
Web
It appears that on XX/XX/XXXX credit of {$1000.00} was extended fraudulently and a purchase for that same amount was made at XXXX. On XX/XX/XXXX I received a card in the mail which I did not apply. That night I notified the card agency and they indicated that they would send an affidavit for me to complete and return. The affidavit was dated XX/XX/XXXX although I did not receive it until later in the month. I filled it out and returned it with a copy of the police report. This was mailed certified with a return receipt on XXXX and returned within the 20 days as requested. As of today XXXX the account has returned to my credit reports and I have submitted the police report to the credit bureaus and will once again issue a dispute regarding this account.
09/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38115
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30022
Web
I reached out to CB Indigo Bank XX/XX/XXXX, I advised CB Indigo Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call CB Indigo Bank, I explained to XXXX, I contacted CB Indigo Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting
05/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30022
Web
I reached out to CB Indigo Bank XX/XX/XXXX, I advised CB Indigo Bank I haven't applied for any products or services with their company, they advised myself to reach out to Credit Bureaus and it would be removed. I contacted XXXX, I advised XXXX that I haven't authorized anyone to performed a credit check on my credit report, XXXX advised I call CB Indigo Bank, I explained to XXXX, I contacted CB Indigo Bank once again.They advised I submit this request in writing, so I sent XXXX a certified letter XX/XX/XXXX, XXXX received the letter XX/XX/XXXX, but is stating they haven't. XXXX is refusing to remove this inquiry from my credit report and XXXX has violated my rights as a consumer. 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting
08/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MD
  • 21075
Web
I make my payments these companies take forever to debit the funds and I keep my cards locked so that my money is taken by hackers or scammers. This is posing a problem for me because my balance has increased and when I think my payments are in they arent. I asked for my balance to increased to get rid of the fact that it looks like I spent over my limit. Im not in the habit of using my cards if I dont have the funds available. This company has caused me to have a late payment on my credit report. Im not having a difficult time paying though the interest keeps going to the moon Im trying to keep my cards paid and on time. Because they have poor practices this is causing my credit to be hit negatively. I have never had a late payment and now I do.
04/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CT
  • 064XX
Web
Approximately 2 weeks ago I received a credit card in the mail that I NEVER sought to obtain. The card is a Mastercard issued by XXXX XXXXXXXX XXXX and/or Genesis FS Card Services . I saved yet never activated the card choosing to ignore the mail as junkmail. Then today XX/XX/25 I received an payment statement from the same company for said credit card stating that I owe {$59.00} for the Annual Fee and Credit Protection Fees. I immediately called the company and stated that never have I inquired to have this credit card. They supposedly cancelled the card and told me to go to identitytheft.gov and fill out a complaint then either mail or fax them a copy once completed. Thru that website I was somehow steered here hoping for help with this matter.
05/25/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 95337
Web
I called Milestone about a year ago to close my account and assumed it was closed because I received a letter stating this. Then I received a call this year that my account was delinquent. I called in to close my account AGAIN and to pay whatever balance off that had been reported. I don't have this card and haven't used it so all I could provide was my social security number. I was told by the rep that my account was closed and there was no balance due. As of this week I am receiving calls again and emails that I do in fact have a balance on an account THAT IS NOT CLOSED. I called on XX/XX/2022 and the call lasted for 7 minutes. I repeatedly asked the rep how to pay my bill and he repeatedly told me nothing was owed and the account was closed.
10/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CO
  • 804XX
Web
CB Indigo on 2 different occasions has posted a hard inquiry to my name and credit reports that I did not apply nor complete an application for. I have contacted them twice on XX/XX/XXXX and today, XX/XX/XXXX. They have not removed these hard inquires and are continuing to allow someone to file online applications knowing full well that this is someone trying to steal my identity. This company has done nothing to assist in removing or blocking these actions, and refused to provide me a number to their Fraud department to resolve this issue. This is a fraudulent company that needs to be fined and put out of business. CB Indigo inquires on XX/XX/XXXX and XX/XX/XXXX Institution Information CB INDIGO XXXX XXXX XXXX XXXXXXXX, OR XXXX ( XXXX ) XXXX
07/15/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • GA
  • XXXXX
Web
We have an account with XXXX XXXX. The account card company is Genesis FS Card Services. They have recently bought the XXXX credit card. We get a bill and our due date is the XXXX of every month. We pay it on or before the date, a day or so early. We noticed we are charged a {$30.00} late fee every month. When we called we were told that if you don't pay it 5 days before the due date you are charged a late fee because it takes 3-5 days to process. Why have a due date then? Also, we did not have this problem before the buy out. They told us they have zero grace period either. I want everyone to know that Genesis is a scam. It's not XXXX 's fault totally but being charged XXXX every month when paid on time is outrageous. Thank you for your time.
05/31/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 94803
Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
03/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 45005
Web
They one called me why i was at work and broke the law there.Frequent and repeted phone calls even thought they were informed by me in person over the phone what they were trying to collect was not owed to them as such they where told not to contact me and remove every thing they put in my credit report realted to a indeogo credit card I had no knollage of. they failded to head the complaint filed here against them and my fees for every phone call they make to me wether i pick up or not. the amount they owe me is now 3 times what they say I owe them and what they owe me. They received my complaint. they have not produced the doucements because I singed no documents. they were informed more than one time and in more than one way not to call me
05/17/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • AZ
  • 85705
Web
Yesterday XX/XX/XXXX I attempted again to make a payment with Genesis credit for my account online services were denied for credit card use my credit card was removed from the online site I had to then input my information for routing and account numbers payment was made but no receipt has been sent nor is a payment pending on site payment made XX/XX/XXXX and XX/XX/XXXX due to same issue of not posting or sending receipts sending false text that payments are late when second payment on XX/XX/XXXX was stopped by financial institution due to double payment and false reporting of credit agency credit agency applied {$29.00} fee for return check easy payment process for online has not been substantial company is not being accountable for actions
06/13/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92618
Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
02/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • XXXXX
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( CB INDIGO/GF ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
02/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • XXXXX
Web
There are two accounts being listed on all 3 of my credit reports. One in the amount of {$970.00} and other in the amount of {$210.00}. I do not own any of this debt as these accounts were open due to an act of fraud. These accounts were open online by someone who stold my personal information. I have no accountability to these accounts. I filed a dispute with them directly and with XXXX. Please remove these accounts and its XXXX. I spoke with a Representative today to start the dispute process. She provided the following information. XXXX XXXX ( merchant name ) Debt owed {$210.00} account # XXXX account # XXXX ( XXXX XXXX ) Miestone Credit Card XXXX merchant name ) Debt owed ( {$970.00} ) account XXXX XXXX account # XXXX ( XXXX XXXX )
07/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MS
  • XXXXX
Web Older American
I applied and was approved for a credit card with Genesis FS. When I received the card, I decided that I no longer wanted the card and never activated the card. I received a bill for their annual fee ( the reason I didnt want to use it ) and called them. The representative I spoke with told me they werent able to reverse the fee because it was contingent on my applying for the card. I asked her how could they charge me a fee for a card I have never activated nor used. She again told me it was because I applied with her company and was approved for the card. I told her I was going to report this to my states attorney general office. I called the attorney generals office and they referred me to file a complaint with this organization.
10/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46168
Web
Genesis FS Card Services Inc., XXXXXXXX ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via XXXX, XXXX XXXX and XXXX ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. I have called Genesis FS Card Services Inc., XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.
07/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 12180
Web
On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : inquiry 1.XXXX XXXX XXXX ( XX/XX/2023 ) Inquiry 2.XXXX XXXX XXXX ( XX/XX/2023 ) Inquiry 3. XXXX ( XX/XX/2023 ) reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 2. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
04/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • IN
  • 47905
Web
I paid my final payment to Genesis Credit in the amount of {$840.00} on XX/XX/2023. I was subsequently charged twice in the amount of {$840.00}, totaling to an amount of {$1600.00}. When contacted about a refund a Genesis Credit representative offered restitution in the form of a paper check delivered by USPS mail within the stated allotment of 30 days. When contacted after I didn't receive a check after 30 days, Genesis Credit stated the check was mailed on the XXXX ( not sure of the exact date ) of XXXX. As of now, I am waiting to be contacted by the company to find out where my money is and how they are to deliver it to me. The predatory nature of their practices makes me concerned for seniors and citizens of lesser faculties.
05/21/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44130
Web
I tried three times to fix this with this company. I had tried to dispute XXXXXXXX XXXX XXXX even through the credit bureaus. It comes back every single time as verified. I never received any information on how this could be verified as I have never had an account with indigo Credit card. I asked if they could please send me a signed application which showed that this was taken out. I never get anything. This has been on my credit report since 2019 and its not fair that they dont verify and can still keep the on my credit report. If they are collecting for Indigo MasterCard, they should have information. I was a victim of identity theft in 2019 and it may stem from this while I rented my home out. They were notified of this also.
08/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • 30052
Web
I have been unable to use my card since XX/XX/2021 I was notified by credit card company that my card would be inactive until minimum payment was paid was paid I paid the minimum payment plus an extra Few payments which bought my account down by less 50 % of my credit limit and I still haven't been able to use my card I am incurring late payments due to he rejection of my ACH payments that come directly out of that account and and despite my numerous attempts to contact and Rectify the situation with the credit card company My card still remains an active as of today which is roughly almost a month this is unacceptable and I'll be home in a few weeks account for a few years no consideration consideration or communication is being
02/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IN
  • 467XX
Web
On XXXX I closed my Destiny credit card account number ending in XXXX with Genesis Card Services. On XXXX Genesis Card Services mailed me a letter confirming the account is closed. Today, XXXX, I received an email stating I have a new monthly statement available for account number ending in XXXX. Until today, I have not received any mail or emails from Genesis or Destiny. When I called, I was given an excuse that makes XXXX sense to me. The agent stated that the card was about to expire and the new account number was for the new card. The account was opened in XXXX of XXXX and was less than a year old. When I told the agent that what they were telling me made no sense, they said someone would be calling me back and hung up.
03/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60620
Web
On XX/XX/XXXX, I contacted Genesis FS Card Services to address an error on my credit report. Despite having made a payment of {$120.00}, they reported an incorrect balance, causing my credit score to drop and leading to my denial for a rental home. After an escalated call, it was determined that there was a payment glitch on their end, but they were unable to provide a resolution at the time. A subsequent call on XX/XX/XXXX to request assistance from a supervisor was unsuccessful, as they were unable to provide a manager and instead requested a 3-5 day callback. The reported error has caused me significant financial harm, including the loss of a {$100.00} rental application fee and the inability to secure a home to rent.
08/26/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • TX
  • 77406
Web
I have a 30-day missed payment from my two credit cards that have been issued from Genesis Financial Services . Indigo and Milestone credit cards I have had these credit cards for over 3 years. This is the first time I missed the payment due to unexpected events. Since the past due date of the payments, they started to keep calling my wife and harassing her with phone calls from different phone numbers. Neither she is a co-signer nor an additional card owner from this financial institution. Although my wife has no information about whether these payments have been made to them or not and politely requested that she not be called about this issue, calls are still received from different numbers from the same creditor.
11/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NV
  • 89031
Web
I paid off my credit card with Indigo Mastercard on XX/XX/XXXX. On XX/XX/XXXX my card was stolen and rang up for {$250.00} in unauthorized charges. I called two of the vendors to confirm that my card was used with no proof of ID shown. I called Indigo on XX/XX/XXXX, they filed a claim, and gave no updates. On XX/XX/XXXX I called and they told me the claim was denied. I asked why and they said it was improperly filed. They previously advised that I have to make payments on my card even though the transactions are not mine. They will not expedite the process even though I waited over 30 days for this to be resolved. I filed a police report and offered multiple times for the report to be sent, to which they refused.
05/30/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • RI
  • 02895
Web Servicemember
I applied for credit on XX/XX/2023 and was rejected because one of my credit reports was locked so they defaulted to a credit card company ( XXXX XXXX XXXX XXXX XXXX that charges an annual fee, but they did not tell me about the fee when I signed the credit application. I had to cancel the purchase due to medical reasons and when I did they made it sound like the credit account was also cancelled when I cancelled the purchase. That did not happen! Just recently I received a letter from the credit company stating there is a {$59.00} annual fee so I called the credit company and closed the account. XXXX & XXXX was not upfront about the annual fee. If they had been, I would not have signed the credit application.
08/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78260
Web Servicemember
I received debt collection letters from XXXX XXXX XXXX on behalf of the Genesis FS credit card company for a credit csrd debt that is not mine. What actually happened was that I paid the owner of a painting company with a personal check and he used the check account number and routing number info to steal more than {$7000.00} from my checking account to pay for some of his credit card debt including debt to Genesis FS card.I reported the fraud to my. bank XXXX and the matter was resolved with the Genesis FS card Co ( I have a letter from my bank stating as so ). Now it seems thaht Genesis FS card Co, decided t go after me for a debt that is not under my name, I want this to be kept out my credit score report
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IA
  • 52722
Web
In accurdance with the fair credit Reporting act XXXX Account # XXXX, has violated ry rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
09/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 15132
Web
I called in XX/XX/2023 to ask the company when my payment due date was the guy told me over the phone that the account was open on the XXXX so I had 30 days to make a payment, Yesterday morning I get an alert from XXXX saying that my score dropped XXXX points and that my credit usage had went up 36 % although I did use the card I was alerted of a payment due date so I assumed it was on the XXXX I called the company the lady told me that when i signed yup they gave me a XXXX I did not see that the XXXX or the XXXX was my due date so my account got reported as 36 % credit usage which I wouldve paid before the XXXX or XXXX had I been informed whenever I called I would like my scores to go back up Immediately
01/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 303XX
Web
XX/XX/2023 To Whom It May Concern : I am writing to dispute the following inaccurate information that appears on my credit report. This information is inaccurate and should be deleted. The errors which prompted this credit report dispute include A credit report was made from FEB DESTINY AND CB INDIGO these were not me and its showing that the cards are 200 % over the limit. I dont use credit but so I dont check but I contacted them through XXXX and XXXX has helped. I was to to contact you guys. FEB DESTINY and CB Indigo were done fraudulently and I should not be responsible for the debts that are on both of these cards. Ive tried contacting them both and it seems as if they are the same company as well.
05/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AR
  • 728XX
Web
I went to check my credit report to find out why my score dropped and I found not XXXX but XXXX account from this genesis card services company with a MILESTONE account. And a destiny account under my name and social. along with some utility company. I have contacted GENESIS FA CARD SERVICES about these fraudulent account and I have been met with NO HELP. This is literally fraud and hey are letting an account be open and used with my information in which I have never given anyone permission to use my information and never lived at the address of a XXXX XXXX in Virginia that they also have on file. I live in a completely different state! I want these XXXX account REMOVED from my credit report IMMEDIATELY
07/26/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 620XX
Web
I have been watching my credit scores closely, and on XXXX found out someone fraudulently changed my address to an address in XXXX, XXXX, Which I live in Illinois and have most of my life, and charged a bunch of charges on my milestone Credit card account over {$1300.00} under my name. The reason I knew something was wrong was because my score was XXXX on XXXX and it dropped down to below 580 on XXXX. Also I had paid the account completely off in XX/XX/2022, so I knew something was really wrong. So I called the credit card people, and I have filed a Identity theft report with the FTC on XXXX. I need to put a fraud alert on my accounts and on my social security #. Thank you, XXXX XXXX XXXX XXXX XXXX
10/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92124
Web
I called XXXX dispute department and was met with hostility regarding followup to a prior dispute against Milestone and Indigo credit cards who were handle by the same processor but sent to collections. I paid the balances to the collections agencies. The CSR for dispute got aggravated with me and stated that I paid the collections agency and not the credit card company which shows as closed as charge offs. I explained that my credit wasn't with the agencies but he said the credit cards will remain as derogatory and not show as paid. That is inaccurate and prevents me from qualifying for a mortgage. There are several paid items showing as derogatory that were paid and should have been removed as agreed.
10/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92124
Web
I called XXXX dispute department and was met with hostility regarding followup to a prior dispute against Milestone and Indigo credit cards who were handle by the same processor but sent to collections. I paid the balances to the collections agencies. The CSR for dispute got aggravated with me and stated that I paid the collections agency and not the credit card company which shows as closed as charge offs. I explained that my credit wasn't with the agencies but he said the credit cards will remain as derogatory and not show as paid. That is inaccurate and prevents me from qualifying for a mortgage. There are several paid items showing as derogatory that were paid and should have been removed as agreed.
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77375
Web
XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX Email XXXX XXXX To whom it may Concern You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX has violated several of my rights. 15 U.S.C 1681 section 602. A. Clearty states that I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agenc can not furnish an account without my written instructions. 15 U.S. C 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
05/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95503
Web
On my XXXX and XXXX credit reports I have had 4 hard inquiries from two different companies. Both companies inquired on XX/XX/2023 and again on XX/XX/2023 these were not requested by myself. The listed phone number for FEBDESTINY has been disconnected, and the number for CB INDIGO only asks that i input my SSN # The hard inquiries were from the following companies/individuals. FEBDESTINY Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CB INDIGO Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Please let me know what the next step is or the outcome because these have been substantially lowering my credit. Thank you
04/22/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • OH
  • XXXXX
Web Servicemember
After reviewing my account I noticed that my statement for XX/XX/XXXX was not on the website. The website clearly states that it maintains 13 months of statement on the site. I contacted them in early XX/XX/XXXX for them to add this statement. I was told by customer service this would happen, however as to date, XX/XX/XXXX still does not appear on my account. My second issue is, I took out a {$100.00} cash advance in XX/XX/XXXX. They were continuing to charge me a cash advance fee until XX/XX/XXXX. When I informed them of the issue, I was told that they would only reimburse the current and previous ' month 's fees. I do not believe that to be accurate and I want my account adjusted for the fee.
03/24/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • FL
  • 34953
Web Servicemember
XX/XX/2022 I CALLED INDIGO CREDIT CARD COMPANY BECAUSE I RECEIVE A CREDIT CARD THAT I DID NOT APPLY FOR THIS YEAR IN THE MAIL I DID NOT WANT THE CARD THEREFOR I DID NOT ACTIVATE A WEEK LATER I RECEIVE A BILL IN THE MAIL I CALLED TO LET THEM KNOW THAT I DO NOT WISH TO HAVE THIS CARD THIS IS WHY I DID NOT ACTIVATE IT AND THAT I DID NOT APPLY FOR THE CARD RECENTLY. I WAS TOLD BY THE REPRESENTATIVE THAT ONCE I REQUEST FOR THE CARD ITS AUTOMATICALLY MY CARD AND THAT I AM RESPONSIBILITY TO PAY. I ASKED TO SPEAK TO SOMEONE IN CHARGE WHICH SHE TOLD ME WAS NOT AVAILABLE AND THAT I WILL GET A CALL BACK AND I NEVER DID AND THE BILL IS DUE TODAY A WEEK AFTER I RECEIVED THE CARD THAT I DO NOT WISH TO ACTIVATE
10/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NC
  • 28306
Web Servicemember
In XX/XX/2022 a credit card with Milestone/Genesis FS Card Services was opened in my name fraudulently. I have not applied for this card nor have I applied for or received any Milestone credit card in my name. I contacted Milestone on XX/XX/2022 and reported the fraud due to receiving a statement for a {$170.00} annual fee charged to the account. I confirmed with Milestone that no card has been issued on the account and there have not been any charges made to the account aside from the {$170.00} annual fee. The Customer Service Representative I spoke with at Milestone has filed an Identity Theft/Fraud Complaint and advised me to submit the same through FTC to report this as identity theft/fraud.
05/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95503
Web
On my XXXX and XXXX credit reports I have had 4 hard inquiries from two different companies. Both companies inquired on XX/XX/XXXX and again on XX/XX/ these were not requested by myself. The listed phone number for FEBDESTINY has been disconnected, and the number for CB INDIGO only asks that i input my SSN # The hard inquiries were from the following companies/individuals. FEBDESTINY Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CB INDIGO Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Please let me know what the next step is or the outcome because these have been substantially lowering my credit. Thank you
11/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11208
Web
I am formally complaining against XXXX XXXX XXXX XXXXXXXXMILESTONE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have contacted XXXX XXXX XXXX XXXXXXXXMILESTONE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that XXXX XXXX XXXX XXXXMILESTONE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
07/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KS
  • 67212
Web
Milestone through Genesis FS card services offered me a settlement in the amount of {$890.00} to settle my account in full of the payment was posted by XX/XX/2022. I called prior to the date and on that date again to advise I was posting the payment online. I posted the payment and received confirmation of the payment. Recently I received notification from XXXX XXXX XXXX saying they were collecting on it and my balance was {$2300.00}. I disputed it saying I had settled in full and sent them the email confirmation of payment I received. They sent me a response saying I didnt not provide proof. Im not sure what more to provide. I did exactly what Milestone asked and paid the amount in full.
09/20/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 33032
Web
I started to build my credit so I paid XXXX dollars for a secured credit card with Milestone. I paid every month for a year. This XX/XX/2022 I lost my job and made a XXXX payment. Now when I reached out to them to discuss a payment they said that my account is now with XXXX XXXX XXXX XXXX. I calleXXXX XXXX XXXX and they said my balance is XXXX outrageous. This is a secure card. I paid a deposit to be able to use only the XXXX no idea how I owe XXXX not even normal. They said I owed XXXX and rest is fees. How can a XXXX security leaves me owing them almost XXXX. This is a card that is fraud. I'm trying to build my credit and they say with them it will help. Ridiculous I'm shocked at this.
08/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 312XX
Web
There are at least five accounts on my credit report that are showing up to 18 late payments. XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX . XXXX. XXXX XXXX XXXX. XXXX. Indigo Credit card. It all started during the beginning part of COVID-19. When my jobs started shutting down, I called all of these Credit card companies and told them that I was being affected by this virus health wise and financially. I don't know what has happened, but my credit report is showing that I have 18 late payments!! OMG! I also called and told them that I lost both of my parents last year. We weren't expecting my father to die, but we suffered his loss as well. I tried explaining this, but it didn't work.
06/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • FL
  • 33134
Web
I am receiving unsolicited offers to apply for a 36 % interest rate credit card. Milestone MasterCard. There are two " unsubscribe '' links at the bottom of the email. Both just re-direct you to their website. I XXXX the card to see if I could find a contact number to get off their email list. The automated message asks you to enter your full nine digit SS #. That's a red flag. They now have my email address and my cell ( that I called from ). I entered a fake number. Finally connected to a live person who, I am not making this up, had a XXXX accent. He insisted that he could not assist me unless I provided my SS #. This operation sounds like a phishing scam and needs to be shut down.
10/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92618
Web Servicemember
FEB - RETAIL continues to report inaccurate information to all credit bureaus. When I dispute the payment history they update the late payments to new a new month and year. I have disputed multiple times with the creditor because the information is simply inaccurate and for them to change the dates of when the payment was late every time I dispute is proof that they have been reporting inaccurate information on my credit report. According to Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ), this is a violation to my rights as a consumer, and I ask for this account to be either removed from my credit report or the payment history be cleared for reporting inaccurate information on my account.
08/18/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43160
Web
XXXX XXXX. XXXX Genesis Card Service. Sold this Account to XXXX XXXX XXXX. I Mailed a Validation Letter to XXXX XXXX XXXX. I got No Response from them Then received a letter from XXXX XXXX stating that the Account was Sold to them from Genesis Card Service. I Contacted Genesis by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. Genesis stated the Account was Sold to XXXX XXXX. All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and XXXX XXXX in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and XXXX XXXX for the Same Account. That is illegal according to the FCRA
01/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91364
Web Servicemember
I tried making a change to my account online and found my account in delinquent status, no attempt to contact me was done. I still live at the address they have on file, and all my contact information is the same and current with information they have on their site.I was never contacted to be INFORMED and provided an opportunity to make an immediate payment and get this sorted much sooner than it did. They have correct phone, email and home address and they didn't use any methods to alert me to this tardy payment. In addition I would like them to remove the only other late payment on record XXXX XXXX per the CARESACT I was unemployed. I sent them a letter with no response. Thank you
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85035
Web
The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY!
12/28/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • GA
  • 30319
Web
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was given a credit limit of {$300.00} by Genesis FS Card Services , Inc. XXXX Destiny Card. There should not be a credit limit, only an open-end credit plan for the card I received which means my balance at the end of each billing cycle should be zeroed out and there should not be a minimum balance due pursuant to 15 USC 1602j . Please rectify this account to an open-end credit plan and refund me the minimum payment that was paid as I am invoking my specified remedy as an original creditor and the consumer.
04/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60477
Web
I'm paying close to the next payment date but always pay it before a 30 late can be done. But they keeps reporting me thirty days late. I have the info that would always show I have never been 30 days late. When I call in the personal even state that I never been 30 days late. I have my payment records that would show I have never been 30 days late. M bank is XXXX XXXX XXXX XXXX. These late payments needs to be removed. Also my account has been moved around which I do not understand why. My account was with XXXX XXXX.This company is trying to destroy my great credit rating. I need help I have all records to confirm everything about my account. Also I added an item that had a promotion
06/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • ND
  • 588XX
Web
I received a bill on XXXX XXXX from Destiny bank for a card I never applied for. It carried a balance which included a {$170.00} service fee and {$5.00}. When I called to request the account be closed because I never requested a card from this company that constantly send me pre-approved notices, they refused until I sent a picture of my Drivers license or State ID. I refused because they could not provide me with any relevant information other than my address to verify. The agent claimed they must have received a picture of some type of ID from me or they would not have opened the account, yet refused to close it when I requested it be closed... Since I never requested it be opened.
05/02/2022 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NE
  • 68521
Web
I have attempted to contact this company multiple times for the last few months, which they stated they do not have the account and it was charged off. I have asked for more information and my options. This company continues to report a balance for this account even though they claim it was charged off. I even contacted the company they say they charged it off to which is XXXX, XXXX also has no knowledge of said account. At this point I have no way to locate this account, no way to request more information and no way to resolve this said issue. Its very frustrating for me because it contains to ruin my credit but I am not given the opportunity to request verification and/or settle.
02/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33169
Web
My name is XXXX XXXX ( Formerly XXXX ). I am currently living in a XXXXXXXX XXXX, & trying to get into a XXXX XXXX home as my battle with the XXXX virus is causing me such discomfort. I caught XXXX, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative late payments on my credit history, so that I may transition with my 3 small children and be with them as my end of life. May you please removed the negative accounts that I paid off. I am asking for grace and mercy to please remove the late payment. They are affecting my entrance into housing. Thank you,
10/04/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IA
  • 50320
Web
I have tried multiple times to straighten out situation with XXXX XXXX XXXX and XXXX but investigation results continue to come back in accurate. Account is stating account status Closed with {$0.00} balance yet reporting payment status charge off with both XXXX XXXX and XXXX while XXXX reports account status indeterminate with perfect payment history all the way to XX/XX/2022 yet missing data on date of last payment this is not possible. Reporting inaccurate date last report it and date last active. there is no way account can be closed with no remaining balance reporting perfect payment history but yet reporting charge off. I do not agree with the results to this investigation.
08/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • TX
  • 77449
Web Servicemember
In XXXX, I overpaid Genesis Indigo card. There wasn't anything wrong with my account until after that was done. My balance showed {$44.00} which I paid three different times then, I paid {$73.00} with a representative who told me it was received. They continued telling me payments weren't going thru so, I called my credit union on three-way and she told me all payments went thru and if not where is my money? She faxed over my transaction history which they received on XX/XX/XXXX. I've gone back and forth with this company and now I'm being told about a card I've never had in my possession. They reported my account not in good standing. ALL OF THIS BECAUSE THEY WERE OVERPAID!!!!
07/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76227
Web
I have sent 2 letters on XX/XX/XXXX and XX/XX/XXXX to Genesis FS Card Service regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO 30 day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. Genesis card services sends a letter saying they can't show favoritism and remove the 30 day late pay? Is Genesis Card Service aware that they are violating laws? Thank You, XXXX XXXX
12/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 94109
Web Older American
I closed the Genesis Indigo card right before the annual fee would have been due. The card wasn't worth paying another {$90.00} annually & the credit limit was only {$300.00}. I only had a balance of {$130.00} left to pay but the card was asking for {$40.00}. I paid {$25.00} & was going to pay the other {$15.00} before the due date. The card accepted the {$25.00} but then tacked on a late fee for {$29.00}. I opened a dispute with XXXX XXXX XXXX XXXX XXXX. I'm only paying what I owe & I'm sending in {$40.00} payments. To date I have an {$80.00} bal. I'm refusing to pay all these late fees etc. They leave a VM 2x daily & the number is blocked!! It's a digital VM & it's annoying.
11/24/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • XXXXX
Web
I made two payments to my account one on XX/XX/XXXX and one on XXXX XXXX both payments were deducted from my account on XX/XX/XXXX and the on XX/XX/XXXX. My bank has verified the payments were transmitted successfully and the funds were received by them. The payments have not reflected in my availably credit show XXXX when my available credit should be XXXX. I have contacted Milestone and they advise me that it takes 14 day for payments to post to your account and reflect to your availably credit. My bank advised me that Milestone received the funds on XXXX and XX/XX/XXXX and if they had not recived the funds the funds would not of been posted to my account by them.
02/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 91710
Web
I was notified by one of the companies that helps me keep track of my credit reporting that an inquiry popped up, I contacted CB INDIGO bank and told them, I was notified of an inquiry, I needed them to remove this inquiry because it was not me. I was notified on XXXX XXXX2023 and I called them directly I spoke with a gentleman by the name of XXXX and he let me know it takes 30 to 60 days and he said I would need to contact the Ftc. I am been a victim of Identity theft, that is why I check my credit daily. I also was notified that Destiny Card did an Inquiry on the same day. I need this inquiries removed off of my XXXX report and the account closed if they were opened asap.
04/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34113
Web
XX/XX/XXXX - account with XXXX XXXX/ Genesis Credit was sold to XXXX XXXX XXXX XXXX XX/XX/XXXX - account was sold to XXXX XXXX XXXX XX/XX/XXXX - account was sold to Islandwide Consulting Group XX/XX/XXXX - account was sold to XXXX XXXX XXXX ** Based off of FDCPA section 1006.34 debt collectors must provide a debt validation letter within 5 days of first contact. I have NEVER been notified of any debt form any of the 4 collection agencies listed above nor was I ever given proof that the requested debt is owed by me or an opportunity to settle any debt. I am a single mother of XXXX children attempting to purchase my first home and this is adversely affecting my chances!!!
04/05/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • AZ
  • 85641
Web
On XX/XX/XXXX I called and reported my card stolen. They cancelled the card and said it would take 15 days for the new one to arrive. I said it was fine and hung up. 30 days later I called again. They said it had been sent back saying I couldn't be found. I gave them my address, again and they said they were sending a new card. 30 days later I called again, they asked me to wait a little longer. I waited until XX/XX/XXXX, which was officially 60 days later. They said by the end of the month. It's XX/XX/XXXX, no card. When I call the system says high call volume call and call back. I want cancel my card because I don't want to be charged monthly fees when I can't use card.
01/12/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 155XX
Web
Checked credit report and found a card was opened fraudulent in my name and charged to. Called Genesis FS XXXX XXXX ( XXXX XXXX a XXXX XXXX XXXX ) and notified them. They in turn sent out documents to fill out and I sent back on XX/XX/XXXX. They in turn sent back a response on XX/XX/XXXX indicating my personal information was verified. The personal information was incorrect in the documents sent and I called the company several times to resolve with no response back. A police report was filed on XX/XX/XXXX with the PA State Police and sent back along with a letter on XX/XX/XXXX asking to re-open the investigation. Letter was faxed to XXXX and XXXX with no response.
02/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 91710
Web
I was notified by one of the companies that helps me keep track of my credit reporting that an inquiry popped up, I contacted CB INDIGO bank and told them, I was notified of an inquiry, I needed them to remove this inquiry because it was not me. I was notified on XXXX XXXX and I called them directly I spoke with a gentleman by the name of XXXX and he let me know it takes 30 to 60 days and he said I would need to contact the Ftc. I am been a victim of Identity theft, that is why I check my credit daily. I also was notified that Destiny Card did an Inquiry on the same day. I need this inquiries removed off of my XXXX report and the account closed if they were opened asap.
11/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95355
Web
ACCORDING THE FCRA, This company has VIOLATED my consumer rights!! NONE OF THIS INFORMATION WAS SHARED WITH ME FROM THE COMPANIES LISTED BELOW. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Name : CB Indigo Account Number : XXXX Account is reporting late 60 days XX/XX/2022, late 30 days XX/XX/2022, XXXX 30 days. Remove this late payment immediately. MY PERSONAL INFORMATION WAS SHARED WITHOUT MY CONSENT! DELETE THIS LATE PAYMENT IMMEDIATELY!
07/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • PA
  • 19122
Web
I had received a letter in the mail, claiming that a credit card from Milestone MasterCard has an open account under my legal name that has been charged off due to delinquency with an outstanding balance of {$1100.00} and sold to XXXX XXXX XXXX XXXX dating from XXXX of XXXX XX/XX/2023. I have never applied for a credit card under this company nor have I heard of this company before until I received this letter. I have contacted XXXX credit report, customer service to inform them of this fraudulent case but need further assistance from federal trade commission in order to ensure that this fraudulent activity will not be permanently recorded as part of my credit history.
11/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 34652
Web
XX/XX/XXXX payment sent XXXX to credit card company XX/XX/XXXX bank payment sent XXXX to credit card company genesis fs card services XXXX XXXX XXXX XXXX Oregon XXXX XXXX XXXX XXXX XXXX Georgia XXXX Upon contact of credit card company explained my bank verified funds have been processed an settled. Credit card claims they hold customers funds for 14days without clearing them for use in the effort to report fraudulent earnings by credit card agency on the financial reports. My account should not be held for 14 days when funds were processed an settled as available. They do this in an effort to hold funds from consumers an charge increased interest among other reasons.
09/19/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • FL
  • 32779
Web
Around the first week of XX/XX/2023 I got a credit card in the mail that I didnt apply for. It read that if I dont activate then I wont be billed. I tossed it in the trash, never activated and never applied for it. Fast forward to today ( XX/XX/2023 ) I get a bill in the mail for a card I never applied for. I call the company up and told them what had happened. They basically said that Im going to incur late fees and marks on my credit from them until they do an investigation. Like come on! I never applied for it and it has never been used but your sending me a bill. This is absolutely ridiculous. The card is Indigo and the company is called Genesis FS Card Services
11/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 95833
Web
In XXXX I closed my account with INDIGO - XXXX XXXX Genesis FS Card Services with a balance of XXXX, they then sent me notification via usps mail that my account was closed with a balance of XXXX. On XX/XX/22 I received an email that a XXXX $ payment was due on the account, I then called they informed me the payment was XXXX I have called 3 times and they state there was a returned payment in XXXX that I wasnt aware of. I then asked how did my last payment go through and they inform the account was closed with a balance remaining. They would not transfer me to their fraud department, they state they dont have a record of the letter I was sent either I just need help
10/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • IL
  • 600XX
Web
I opened an account ( credit card ) with CB Indigo on XX/XX/XXXX. My credit report is reflecting late payments for XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I worked for XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX surpassing 9 years and due to the pandemic I was laid off with 26 other peers. I called this company and requested that the late payments please be removed as I was struggling to make payments and take care of my family. Prior to XXXX and following XXXX all payments were made and made on time. The account is current and I am only askiing that they please remove the late payments due to this tremendously negatively hitting my credit score.
08/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48075
Web
I have explained to these agencies XXXX, XXXX and XXXX that the closed accounts in dispute are not mine and that these accounts were opened fraudulently but yet they keep claiming that they are not. They have not provided any information from the creditor with a liquid signature that I opened these accounts. The accounts in questioned are for XXXX Bank, XXXX, XXXX XXXX and XXXX Bank. XXXX did go ahead and removed these accounts. However, XXXX and XXXX have not. These accounts are fraudulent and I never opened them. I pay all my creditors as you can see from the other accounts I have credit which are XXXX XXXX, XXXX XXXX which I have two accounts with now and XXXX
03/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 286XX
Web
Genesis Credit shows I opened two accounts with them. I have just one account with them. Below is a log of my contact with company : Called XX/XX/XXXX and was told to send copy of credit report. Faxed on XX/XX/XXXX Called XX/XX/XXXX to see status. Was told it takes 5 business days to receive a fax. Called XX/XX/XXXX. Was told to refax information again Started dispute with XXXX on XX/XX/XXXX Faxed again on XX/XX/XXXX Called again on XX/XX/XXXX. No help once again. Filed complaint with XXXX on XX/XX/XXXX. My credit report with XXXX still shows two account with Genesis Credit. The results from the XXXX dispute does not address the issue I filed with them.
12/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 44306
Web
I went to pay my bill online like usual. I opened my account and was able to access everything. However every time I would try to make a payment it wouldn't allow it. I then tried by phone and every time it wouldn't give me a verification number and told me to contact customer service. I then waited on hold for over an hour. I was told she couldn't process the payment. I was told that I was over the limit because an annual fee had been issued. I will now be assessed a late charge on top of the over the limit charge that was caused by their unexpected fee because there is no way for me to get them to accept the payment. This is extreme predatory credit abuse.
07/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30080
Web
I opened a Milestone credit card a few years ago to build my credit up. Once I had good credit, I requested to cancel this credit card over a year ago, but a few months ago I found out I was still being charged for it.I called to get confirmation of cancelation and asked for a a letter stating it was canceled. I also asked for them to reverse the reporting. They are still reporting incorrect information even though this card has not been used by me in over a year and has been closed. This company is falsely reporting information on my credit report. Please remove. They are not only reporting under XXXX XXXX XXXX but also under milestone. This is not right.
04/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MA
  • 01902
Web
I missed a payment XXXX and I used money gram on XXXX, to make an {$80.00} payment which a {$40.00} late fee was a portion of it, same day service, cost {$8.00}. Genesis FS card service received and process the payment on the XXXX. Yet they reported to the credit bureau I was 30 days late on a payment. I had til XXXX to pay it and not be 30 days late. Its always a problem with Genesis FS card services. They need to be investigated for unfair business practices and their customer service is horrible. I sent a money order to them last year they claim they did not receive it. I mailed two weeks before the due date to be on time and they hit me with a late fee
09/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • XXXXX
Web
I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit FEB/Gfscs Retail and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
10/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CT
  • 060XX
Web
In accordance with the Fair credit reporting act this creditor has violated my rights : Under 15 U.S. Code1681, SECTION 602 It states I have the right to privacy Under 15 U.S. Code 1681, 604A, section 2 A consumer reporting agency CAN NOT FURNISH An account without my written instructions. Under 15 U.S.C, 166B Which states A creditor may not treat a payment on a credit card account, Under and open on a consumer plan as late, for any purpose. FEB Destiny Mastercard has made 11 reports of late payments On MY credit report. This is covered under the above cited statues. I request the removal of said reporting as it negatively impacts my credit standing.
12/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76016
Web
In XX/XX/, I sent my first letter to CB INDIGO requesting verification of Account number XXXX which was reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They did not respond. I made a follow up letter XXXX XXXX advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the account from my credit report. I have given them more than enough time.
06/08/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MN
  • 55406
Web
An account just appeared on my credit for Genesis bank. This is a fairly old debt that would have been included in bankruptcy. I haven't received an email communication or mail to confirm or dispute debt ( at least none that im aware of ), otherwise I would have made efforts to clear up all to clear things. I'm a bit frustrated and feel a bit inconvenienced. I aonly have partial account number avail XXXX this is what I see. NAME XXXX XXXX Last 4 of XXXX XXXX Amount {$610.00} Not sure whats needed on my end to further support my claim. Happy to dog up whatever I need to. Do i need to find my bankrupty lawyer to suppot? Thank you all for your time.
07/05/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80910
Web
I HAVE NEVER BEEN 30 DAYS LATE, ON A PAYMENT, AS INDIGO ( CREDIT CARD ) IS REPORTING. I HAVE REVIEWED MY PAST PAYMENTS, AND NONE WERE 30 DAYS LATE. FOR INSTANCE, INDIGO IS STATING THAT MY XX/XX/XXXX PAYMENT WAS 30 DAYS LATE ; I MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$60.00}. I ALSO MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$110.00}. MY XXXX PAYMENT WAS DUE ON XX/XX/XXXX. THE XX/XX/XXXX PAYMENT PAID THE PAYMENT DUE ON XX/XX/XXXX. THERE IS, ALSO, A LATE PAYMENT, FROM LAST YEAR ( XXXX ), INDIGO IS STATING ; THE PAYMENT WAS NEVER 30 DAYS LATE. WHEN REVIEWING THE PAYMENTS, WHICH I MADE, NONE WOULD HAVE RESULTED IN A 30 DAYS LATE PAYMENT.
11/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • AL
  • 35124
Web
on three separate occasions I tried to pay milestone the amount I owed. they took the money but then said its an invalid account number. they then proceeded to charge me interest fees and late fees even though they failed to take the payment. when I had the money to pay they didn't take it and now they expect me to pay almost XXXX dollars after I tried to pay them on the correct date. I've called them multiple times about this issue and one time they even accepted it, XXXX out my account and closed my account. after checking back however I see that they reversed that action and are expecting me to pay in full what I tried to pay when I had the money.
10/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 34787
Web
During the months of XXXX & XXXX of XXXX CB Indigo Mastercard 's payment portal was not working properly. I tried to contact them via phone but there was no way to get a live person during this time and the recording referred me back to the website ( which wasn't working properly ). I submitted my payment multiple times after the website showed the payment as received then the next day showing it was due again, then late ( which it wouldn't have been had their system been working properly ). I've been a long time customer and never had a late payment on their card. This late notice due to their system errors should not be held against my credit.
06/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 180XX
Web Older American
Genesis FS Card ServicesXXXX XXXX XXXX XXXX XXXX had a fraudulent charge on XX/XX/2022 from XXXX XXXX ( Florida XXXX # XXXX for {$130.00}. I contacted Destiny and they canceled the card and issued a new one # XXXX. They assured me when the refund from the company came through it would go on my new card. They did not do that! When the refund came through on XX/XX/XXXX they refused it. I want my {$130.00}, they have been charging me interest on a fraudulent charge, so I want that back as well. I am a senior on a fixed income and can not be out {$130.00} for something I did not purchase or receive. When can I expect a result? Thank you, XXXX XXXX
11/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MA
  • 01604
Web
I have sent 2 payments a month to XXXX. The payments were processed within one day and put onto the account. Paid for this card for 4-5 months with no issues. I go in to a store and go to check out to find out my {$340.00} balance is no longer existent. Knowing I paid the bill and it had said paid and the balance was presented. I am rarely late to pay this card and pay over the minimum Once I called the company to see what was going on I told them I have my statements here that state my payment was indeed taken from my bank card and off of my statement. I also made a payment of {$40.00} Friday which shows but doesnt reflect on the account at all
10/25/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32751
Web
On XX/XX/2021, I purchased furniture online. The merchant, XXXX XXXX, opened an account through Genesis FS in Oregon to charge the purchase to. The purchase was returned to the store because the color was wrong and not what was described as online. I immediately disputed the charge and the Genesis put the charges on hold. They finished their review and denied my claim. In the meantime, XXXX XXXX had picked up the furniture and now Genesis FS is charging me for a purchase I no longer have. I tried to discuss this with Genesis but they said they couldn't help me any longer. i have been battling with XXXX XXXX and Genesis FS for several months now.
02/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33647
Web Servicemember
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell FEB DESTINY/GF to verify the items I had identified as inaccurate or incomplete in my credit report. Copies of my correspondence are attached for your review. FEB DESTINY/GF Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
09/06/2021 No
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 544XX
Web
Genesis card services has called me from so many different numbers, they will call repeatedly up to 11 times PER DAY, as well as calling BEFORE XXXX, or AFTER XXXX. Some of the numbers they have used to call me include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and those are all phone numbers Genesis Card Services has repeatedly called me from just in the last 4 weeks. They will also call back to back, sometimes even 3 times in a row, they have filled my voicemail several times with long messages that are silent and no one is talking, I absolutely can't stand being harassed like this anymore. Please help me and make them stop.
04/22/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • OR
  • 97330
Web
A credit card was opened in my name without my permission or approval. An annual fee ( {$75.00} ) and credit protection fee ( {$2.00} ) were charged to the account. Notices and a statement have been sent to me stating that I needed to send in documentation to verify my identity. I have not applied for this card or even heard of the company. Researching it, it seems this company is committing this fraud on other individuals. I recently changed my last name and the credit card was opened in my old name which is also evidence I did not apply for it. The company is called " Genesis FS Card Services '' offering the " Milestone MasterCard. ''
02/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MO
  • 64014
Web
Destiny credit card, aka Genesis card services offered me a settlement to pay off my account and I accepted it and made the required payment. When I noticed it was still showing I balance I contacted a 3 credit bureaus and filed disputes, Based on the dispute I received back they are denying their was a settlement and today I received another invoice from them and their website is still showing a balance due. Now in a complete turnaround I called them back and they acknowledged the settlement offer and told me to ignore future statements, but they are still reporting to the bureau that I have a balance due and reporting new late payments.
04/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TN
  • 38115
Web
I set up a onetime auto pay for XXXX XXXX dollars they did not remove the funds when they said allowing another transaction to dip in the money so I canceled the payment. They took it upon themselves to continue to run this same payment even after it was canceled mind you I am not on autopay. I called in and made a XXXX payment on XX/XX/XXXX by the way no bill was due until XX/XX/XXXX. I tried to use my card and nothing happened. I call in and they tell me my account has been closed for to many return payments and the fact is they sent them through without my permission and they just took my money and closed the account damaging my credit
12/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • TX
  • 78130
Web
I applied for milestone credit card on XX/XX/2022 and never got the card called milestone on XX/XX/2022 and was told the card was never shipped and they would get a new card out to me right away. Called today XX/XX/2022 to make sure the card has been shipped and the rep advised they reported the card lost or stolden on the XX/XX/2022 when the first rep stated it was never shipped and now the second rep XX/XX/2022 stated a new card has not been shipped as they don't have plastic to make the cards. So i applied for a card that it appears i will never get so i would like to see what you can do to handle this for me. Thanks XXXX XXXX XXXX
02/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33544
Web Servicemember
Milestone credit card, owned by XXXX XXXX XXXX XXXX, charged me an annual fee which was not disclosed to me. I only used this credit card when trying to rebuild my credit and CLOSED the account in XXXX. Obviously they never closed the account, charged me the annual fee then reported a 30 day late payment on my credit report which dropped my credit score by XXXX points! To try to work this out I even wen to their website and make the payment and it is not even operational! You can not charge someone illegally, not even give them an option to pay THEN report them deliquent on their credit report! This is unacceptable and ILLEGAL!!!
10/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TN
  • 381XX
Web
On XX/XX/2022, I received a statement from Genesis FS Card Services for a Destiny Master Card, that I hadn't applied for. It had a {$300.00} credit limit and a charge for a {$75.00} fee. On XX/XX/2022, I called their # at XXXX and reported this to them. The person who answered the phone had a very heavy accent and was very hard to understand. The only thing I could understand was, he would mark it down as fraudulent and for me to contact the credit bureau. I intend to file a police report, contact the credit bureau ( s ) and file a fraud alert with them. Their address as listed on the statement, is XXXX XXXX XXXX XXXX XXXX XXXX
10/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01604
Web
XX/XX/2021 Milestone card expired. Contacted to inquire on when to receive new card. Was informed 2-3 weeks. Contacted XX/XX/2021 informed I had to request another card and to expect XX/XX/2021. Late fee placed on account that I can not access but am receiving late notices via email. Contacted to make payment and informed calling would require processing fee. Milestone has not provided replacement card for two months. Can not make payment online because they have blocked access. I am being required to pay a fee by calling in. Reporting late fee on credit profile when I have been attempting to obtain card and maintain payments.
07/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60605
Web
I submitted complaint # XXXX on XX/XX/2023 in which I explained that that my identity had been stolen and used to apply for a GenesisFS credit card, that I had reported this to the company, and that they had been unable to locate the application, flag it as fraud, and report it correctly to the credit bureau XXXX On XX/XX/2023, GenesisFS responded that they are still unable to locate the application and requested I provide additional proof of the inquiry. To that end, I have attached a screenshot of the inquiry from my XXXX credit report. I have also attached screenshots of the initial complaint and the company 's response.
04/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75056
Web
The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are :
02/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90035
Web
Hello my name is XXXX XXXX and I'm call to report and egregious act against my character. I am a business owner and the misreporting on personal credit is causing me to a hardship as I'm unable to get the credit needed to further expand my business. Genesis FS card services have placed 3 late payments on my credit report, I have fully complied with every request for payment they all my information to do bank checking withdrawal, and each they come back with my bank declined transaction. I have verified with my back that know such transactions exist. I have summited a letter from my bank along with three months bank statement.
01/13/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 344XX
Web Older American
The companies name is Genesis FS card service at. XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX I am disputing this because I made a payment on XX/XX/XXXX of XX/XX/XXXX to the card services in the amount of {$110.00}, I have spoken to several agents and several supervisors and nothing has been done Ive gotten no response and no calls no letters on the situation Ive also went through a dispute center and still nothing we are in another year and I havent gotten any kind of Response. I then e mail XXXX from XXXX XXXX and she gave me you. I truly hope you can help .Than You : :my email is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
03/28/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • NJ
  • 076XX
Web
Re : Genesis Card Services or GFS as they are known. Last Year I received an pre-approval application, they stated they needed my drivers license. I was given a fax number, but the fax number does work, I was given XXXX. I was then asked to mail in a copy of the drivers license which I did, Guess what the priority envelope was sent back marked refused. Earlier this month I received another pre-approved credit offer which I applied the same problem again, fax numbers do not work. I am now damaged by XXXX credit inquires which achieved false result. This card company is bogus. The same situation is happening again
02/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21220
Web
XX/XX/XXXX My credit card account with XXXX XXXX wrongly marked 30 days late on my credit report. My minimum payment was paid and they confirmed via phone conversation and told me to dispute with credit bureaus and were to remove the late marking. Since than the card company has been transferred to XXXX different banks and is now with XXXX - GENESIS RETAIL who refuses to correct the marking. I have had my account and always pay on time since XXXX. This is the only negative item on my credit profile and I have been trying to remove for years. Genesis has not upheld the agreement the original creditor promised to correct.
07/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • WV
  • 253XX
Web
I was contacted through text from XXXX. They mentioned they would be willing to take XXXX % for my debt. I texted the number back because it did not mention the company name. I called the company to get more information, and they stated the name of the debt. I wanted to call them back so I could see how much I could afford to pay, and to see if I could check the status of the delinquent account. The representative repeatedly stated that if I hung out, then she would no longer be able to offer this. I then told her that was okay, and I would call them back after I checked on some things. She said thank you and hung up.
01/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 486XX
Web Servicemember
I have been making double payments in the last month, using the same pay method. Turns out they have been canceling my payment and not Telling me about the problem. This can XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXp. I ask them to compensate this month of XXXX because I paid and they decline the payment without any explanation. Refuses to even admit they were wrong that could have cost me my new House I am buying. I did XXXX XXXX and this is my thanks. This company needs to be put in its place. Milestone. XXXX XXXX. This is a scam that only accepts payments through bank accounts, so they can gain access. Shut them down!
10/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77373
Web
I discovered XXXX XXXX XXXX XXXX posted a collections account on my transunion credit report. They listed a balance of {$790.00} opened on XX/XX/2021. This information is false and fraudulent and I have not heard of this company. Reading the original debt collector name as XXXX XXXX, I recognize this was a previous collection account that was deleted because it was fraudulent. Now they have come back as a new company. The XXXX XXXX collection account was deleted and resolve 6 years ago as fraud, now they have come back as a new company and reporting a new account opening in 2021 with the same fraudulent information.
04/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MD
  • 21045
Web Older American
On XX/XX/22 I got a bill from a credit card named Indigo. It was for the application fee and {$6.00} interest. The statement said card number ends in XXXX. Total fee is {$130.00} XXXX call the number on the bill, and they kept demanding I give them my SSN. They had some of my information but some of the information did not match. I never applied for this card, and I have never received this card. I ask them to closed this account and erase the fees. They said I would have to talk to a Supervisor, and none were available. They refused to take care of this. Genesis FC Card XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
03/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31021
Web
I recently received a copy of my credit report and noticed that XXXX has been reporting my account 30 days late TWICEin XXXX for XXXX & XXXX. I dont ever recall being late on my XXXX account. I have tried to resolve this issue but no avail. I have tried to pull up my statements via their customer portal however it only shows you 13 months of statements. I have requested proof of this account being late and have not received the proper verification. As you can see the damage this is causing and continuing to cause by causing further damage to my credit worthiness. XXXX has reported this false information against me.
01/19/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 77375
Web Older American
This complaint involves GENESIS FS CARD SERVICES. I applied for this card because I had a {$300.00} limit. I reached that limit, & put it on auto payment. My card was compromised twice, so XXXX & XXXX payment was sent back. They charged 2 late & 2 overlimit charges which I would not pay. My limit was {$300.00}, I told them I would pay that only. Of course I'm still overlimit and they keep charging me, more & more each month. And constantly calling me. I talked to them- XX/XX/XXXX. They said I would still charge me over {$400.00} more & because it's over limit of {$300.00}, keep charging overlimit and late charges.
10/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • LA
  • 70461
Web
Multiple charges were made with this card in XXXX when my wallet was stolen I have contacted the company several times to inform them that the charges were fraudulent the only thing they would tell me if ok we will look into it I have been getting the run around since XXXX this is affecting my credit score I have gotten absolutely no help with this at all my account is in the negative {$640.00} and they are telling me thats late fees which is a lie I have been getting lied to since XXXX I even tried to close the account I dont believe the closed it right away because charges were still being made on this account
08/29/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NJ
  • 074XX
Web
The account was paid in full in XX/XX/2022. Also in XX/XX/2022, I was billed fraudulently. I reported it in XX/XX/2022 when I received my statement with a balance and saw the purchase I never made. Since then, I have contacted them almost every 2 weeks and they keep telling me they are working on it. Each month they continue to report to the credit bureaus my account is past due. It is now the end of XXXX and I have no resolution. An attorney is now my next steps. Absolutely the worst Customer Service/Freud department XXXX Their staff, no matter who answers, is always difficult to understand as well. STAY AWAY!
09/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 79924
Web Servicemember
Apparently a credit card company sold my debt to XXXX XXXX XXXX sometime in early 2020. Since then they call at least 4 times a day from numbers different than the number they want me to call back including using the area code for the city I used to live in. They do not tell me what they are calling in regards to except that my social has been attached to a legal case in their office. They also send numerous texts regarding this as well. Also I told a representative that I wouldn't be able to pay until probably tax time and she very rudely told me that I will keep getting the calls until then and hung up on me.
09/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 08330
Web
I opened an account with Genesis ( XXXX ) when I purchased a bed set from XXXX XXXX in XXXX. In XX/XX/XXXX the account was charged off and sold. My credit bureau says the account is owned by XXXX. The phone number provided led back to Genesis. I have contacted Genesis several times since XXXX of XXXX to get information on my account so that I can settle it. In every instance, Genesis has told me they are unable to provide information regarding whom the debt was sold to, leaving me no way to pay back or settle this account. I am at a loss for what to do to resolve this account and improve/repair my credit.
09/10/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MN
  • 55343
Web Servicemember
I am requesting that Genesis FS Card Services immediately close my Milestone Mastercard Credit Card Account # : XXXX. I dont want the Milestone Mastercard Credit Card Account XXXX I want my Milestone Mastercard Credit Card immediately closed and I want Genesis FS Card Services to delete and remove my personal information from their records database and send notification to XXXX XXXX, XXXX and XXXX to have XXXX XXXX, XXXX and XXXX to immediately delete and remove the Milestone Mastercard Credit Card Account from my XXXX XXXX, XXXX and XXXX credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX
03/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • MD
  • 206XX
Web
For months I have not received my credit card statement and when attempting to access my account my password is invalid. When I attempt to reset my password Im told an email address is not on file. Ive called them every month to have the email address back but it keeps disappearing off my account. Destiny Card Services Bank will not let me speak with to technical support and they keep charging me late fees and reporting my late because i told them XXXX make a payment when I can see or access the bill. Ive been told they are not allowed to remove my any information off my account but it keeps disappearing.
03/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33168
Web
This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company XXXX XXXX XXXX and Genesis FS to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
02/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 189XX
Web
I was notified by XXXX XXXX on XX/XX/2022 that a credit report identified that someone opened a credit card using my social security number birth date with Genesis FS Services. In a conference call with XXXX and a representative from Genesis Fraud department, the Genesis representative confirmed a credit card was opened in my name on XX/XX/2022. The Genesis representative stated that I needed to file a report with the FTC to gain an affidavit noting the fraudulent activity and send the report to the Genesis Fraud department. According to the rep, the account had not been used yet so there is no balance.
12/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33445
Web
On XX/XX/2021 I received an email stating I opened a credit card. When I checked my credit report I noticed that a credit card was opened in my name with a credit limit of {$4000.00}. I was involved in identity theft and credit card fraud. I reached out to the company to close the account. They said they were going to mail me an affidavit but have not received anything. I went to my local police station to file a police report. I also filed an identity theft report with the FTC. I need Genesis Financial Services to remove my account from all 3 credit bureaus. I never opened an account with this company.
04/05/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NJ
  • 070XX
Web
Destiny mastercard all of a sudden now holds your payment for 14 days when they never did this ever to me & i paid off my account in full. I spoke with 2 reps both were clearly rude 1 hung up on me when i was waiting for a supervisor & the 2nd rep says oh we hold the money now, meanwhile i have XXXX babies who are in need of things & these people are being so stupid with holding my funds that i paid on XX/XX/XXXX they told me i can use my credit on XX/XX/XXXX which is complete XXXX. meanwhile my other credit card accounts were over the limit i paid them off & was able to use my available credit in XXXX
01/12/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NY
  • 14227
Web
I advised indigo/destiny credit card that I was XXXX XXXX in XXXXthey said they would reimburse late fees but had to report that the account was past due.I can send proof that Im just getting over the XXXX and those late payments have tarnished my credit report. I have no content over me catching the XXXX and Im being penalized.I have payments set up to start payments this is unfair.my home was pending finalizing before I got XXXX and put on hold by the lawyers because of XXXX.my home being finalized wont go through if those late payments are on there.please remove and list my account in good standing
02/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • VA
  • 22033
Web
on XX/XX/XXXX, I called to have Genesis FS Card Services aka Milestone Mastercard removed the XXXX annual fee for this year and close the account so that I can pay the balance off and the customer service representative refused to removed the fee and close the account citing that I used the card at a vendor. I informed the representative that I used the card at XXXX on XXXX and the fee was placed on the card XX/XX/XXXX which is after the charge. I asked for a supervisor and the representative dropped the call. I want the company to remove the fee, close this account so that I can pay the balance off.
06/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • WA
  • 99205
Web
I have received multiple unsolicited offers and unsubscribed numerous times. Today I received another offer from them and when I clicked on the link to unsubscribe AGAIN, it takes me to a credit card application page and NOWHERE on that page or any other links on that page does it give me the option to unsubscribe. Their offer looks like its at 35 % interest and subscribes you to other services as well, none of which I am interested in and none of which are typical for any other credit card. I used to be a banker with XXXX XXXX and these tactics are not only grossly misleading, they are grotesque.
01/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 321XX
Web
I had a medical crisis XX/XX/XXXX where I was unable to work, unable to pay bills, I paid off indigo credit card through Genesis financial on XX/XX/XXXX for the amount of {$770.00} through my bank account, however it's still shows it as a charge off and an unpaid balance and when I call two different numbers, one listed through credit bureaus and one on back of the card, it tells me I've been turned over to a collection agency and disconnects. I have filed disputes with all three credit bureaus who have been unable to resolve this. The fact is I paid this up on XX/XX/XXXX through XXXX XXXX XXXXXXXX
11/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 778XX
Web Servicemember
XXXX XXXX XXXX PURCHASED ACCOUNT : from Iriginal Creditor AMOUNT : {$1000.00} DISPUTED SEVERAL TIMES in recent months using reputable credit repair method, and online major credit company platforms, and in rotation to date for repeat dispute which no verification or validation of method. Company instead sends debt validation method with requests of me sending validation criteria. Also reports false information, multiple Non Compliant discrepancies including above mentioned balance. To imply {$1000.00} would mean secured past {$1000.00} credit lines or amount is reporting in excess of true details.
10/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IN
  • XXXXX
Web
On XX/XX/2022, I received an email alert from my XXXX XXXX account showing a credit inquiry that I did not do or authorize. It showed the institute name which came up as FEB/DESTINY and the phone number XXXX which appears to be an inactive line since I tried calling it. It took me some time and research but I found out the company name was Destiny Card and their actual phone number is XXXX. Could not reach a rep when I tried calling since they were closed. I also called XXXX directly and they say the credit inquiry does not show on their end which still worries me. I don't want my identity stolen.
04/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • XXXXX
Web
My formal complaint about this account, CB INDIGO XXXX, for reporting false information on my XXXX XXXX XXXX XXXX and XXXX credit reports. It also mentions in the credit report that this account has previously been sold to a collection agency but never states to which collection agency, and yet they're still reporting. The FCRA law requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate or that the furnisher has reasonable cause to believe is inaccurate.
09/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 196XX
Web
Several credit card accounts have been opened, closed, placed in collections and acquired debt without my knowledge whatsoever. I am in the process of disputing everything in order for my credit to be repaired and restored. I have had some removed but I was told to continue by going through this process in order to prove my innocence. I'm looking to have this done as fast as possible, being that it is directly impacting my livelihood. As of XXXX, I have filed multiple disputes with credit card bureaus but I can not keep up with it all so I'm looking to take this step and receive some assistance.
07/08/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 75071
Web Servicemember
Every time I call they hang up on me when I request a manager. Every 3rd of the month I attempt to make a payment and I am being blocked by the card issuer. I go to the store to make the payment in person and the card issuer then wrongfully charges me late fees when the payment is make on or prior to the due date. This card will never be paid due to these wrongful late fees. Note their automated and web system will not issue or allow me to reset a password as their system claims my info does not match. My only recourse is to pay the outstanding balance in full and weeks prior to the due date.
04/29/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 13440
Web
There are charges from XXXX and XXXX on my genesis card services account from XXXX totalling over XXXX. I have contacted both XXXX and genesis several times and Noone seems to know what's going on. Im told I will receive a call and never get one. Mean time I'm paying XXXX a month when I should only be paying XXXX and it's affecting my credit score because of how high my income to debt ratio is higher. I don't know what else to do Noone is helping me resolve this issue that's been going on for months. Old card these charges are on is XXXX. A new account number has been issued since which is XXXX
01/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95758
Web
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third-party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
07/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NY
  • 10468
Web
Milestone Mastercard offered me a credit card. I am currently trying to improve my credit score history, so I was concerned that if I was to apply for this card whether it would show up as a hard inquiry on my credit scoreboard. The company ensured me that it would not. However, I just looked at my credit scoreboard and saw that it is listed as a hard inquiry. I have tried to reach out to the company but I have not been able to get any response. Milestone needs to be ashamed of themselves for misleading their potential customers this way. I want that mark taken off my credit score as promised.
03/04/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WA
  • 98055
Web
To whom it may concern, I have two credit card accounts with financial services ; destiny & indigo, run by the same company. They recently did an update online and you can not select the box to finalize the payment. It has been weeks now. Every time I call, ranging through different hours of the day, the line prompts you that they have a higher than normal call volume and to call again later. How can I even make my payment if I can't do it online or with an agent. I've tried multiple numbers all resulting in the same busy prompt. Any help would be greatly appreciated. Warm regards, XXXX XXXX
06/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 490XX
Web
XXXX Account XXXX # XXXX XXXX XXXX XXXX I am contacting you regarding in-accuracies on my credit report. Under HEROES ACT SECTION 110401 WHICH STATES SUSPENSION OF NEGATIVE CONSUMER CREDIT REPORTING during the COVID- 19 PANDEMIC PLUS AN ADDITIONAL 120 DAYS, ( XXXX/MILSNE ) IS NOT IN ACCORDANCE. ( XXXX/MILSTNE # XXXX XXXX XXXX XXXX ) LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING, THE REMOVAL THESE LATE PAYMENT REMARKS, UPDATE AS PAID, NEVER LATE.
03/02/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WV
  • 261XX
Web
I made a payment on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX. After every single payment I received a email saying thanks for your payment then 3 days later payment reversal. And, next it is on my credit report. I had to dispute the credit report to get it fixed. I've cancelled the card, but now they are saying I still owe there fees. I NEVER USED THE CARD! I have had money in my XXXX account and my XXXX account to cover every payment as well. I tried to pay the card with both accounts and both got reversed. It seems to me that INDIGO is just messing people 's credit up worse.
06/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • OH
  • 43701
Web Servicemember
Approximately XXXX months ago from XX/XX/23 I called XXXX XXXX Services to pay my annual fee and close my account. I was on the line with an employee for about XXXX minutes who said my account had been closed. Today XX/XX/23, I received a letter in the mail saying my annual fee was about to be charged. I called again and attempted to cancel my account and was asked a multitude of questions in an attempt to keep my account. The representative claimed to close my account but provided no confirmation of the such and said confirmation would come by mail. I do not think my account was closed.
05/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MI
  • 48315
Web
I received an Indigo credit that I didn't apply for, I called the company and informed them that I didn't apply for the card and that I wanted them to close it. They said that it would be closed, so I sherried the card. so yesterday when I was trying to get my credit score I noticed that it had changed from XXXX to XXXX. So I pulled up my report and, the Indigo card was there. So I tried to call them three times, but all I got was a recording, that cut off after stating that my account was going to be sold. So at this point all I want is for it to be fixed. This is the phone number I XXXX
01/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • MD
  • 206XX
Web
I was charged late payment on a card I never used. When I called the credit card company I was told Im being charged an annual fee. I express that I knew nothing about an annual fee. It was just a scan and they said I was approved. At that time when speaking with costumer service I requested they close the account. They apologized again and said they owe me {$20.00}. Now Im just recently finding out they slap a late payment on my account back in XXXX. Which is highly affecting my credit report. I called to ask what was this and was told they will do a good will act and remove this charge.
09/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 01104
Web
There are 4 paid collections on my report that do not reflect this change. There is another collections account for {$620.00} for an account I have no knowledge of. Of the 4 paid collections, one was represented by a XXXX XXXX XXXX in XXXX, NH. They told me they will never remove the information from my credit report even though the account was paid in full. The debt collectors say they worm for a lawyer but I never spoke to an attorney who should have advised me of my rights. I did not know about a court date either. But the account is paid in full. 4 of 5 collections are paid in full
04/26/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NJ
  • 08104
Web
Milestone has injured me XXXX XXXX the natural living consumer by committing fraud and extortion on my social security number by pulling funds from my social security card ( ssn # ) acting as if they loaned me something just to turn around and try to charge me fees, interest and debt! Milestone has used their name with my social security, infringing on my intellectual property, stealing funds and claiming adverse action on a consumer! When in fact there shouldnt be any adverse action on ANY CONSUMER for ALL ACCOUNTS ARE PREPAID IN A CONSUMER CREDIT TRANSACTION. Account ending in XXXX
12/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 62040
Web
I have disputed with XXXX 3 times now an account on my report. I have proof that the original account has been sold to another agency yet after XXXX dispute investigation is complete they still refuse to remove or change the status of my account simply based on what the original debtor confirms. The original debtor is Indigo credit card and it was sold to XXXX XXXX XXXX, whom I've also spoken with and have received written communication from! XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX on a recorded line where she specifically stated they bought this account from indigo credit card
08/19/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CO
  • 80634
Web
Saw an offer for credit card via XXXX referral, applied and received a card with {$300.00} credit limit along with an annual charge of {$75.00} ( set up and maintenance fee ) at an interest rate 0f 29.99 %. So per their Card holder agreement attached to card if I chose to NOT accept/reject offer there would be no obligations AS LONG AS card was not activated/used or paid fees which neither occurred. I tried to reach out via email but kept coming back as undeliverable. XXXX # will not answer my questions and keeps telling me to just pay and they will remove negative credit reporting.
12/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28306
Web
I've had a milestone credit card which I've paid in full. I have reached out to milestone on numerous occassions in regards to the inaccuracies of this account. From which they informed me that it would be taken care of and I should see it updated on my credit report the next time they submit it to the credit reporting agencies and this was in XXXX and still nothing has changed. I have been denied credit due to this harm, because they didnt do what they promised to do. I have the updated bill stating my balance is XXXX. I'm beginning to lose faith in the banking system completely.
01/24/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MD
  • 21207
Web Servicemember
Ny Indigo Credit Card was used to make an online purchase in XX/XX/2021. I immediately notified the card issuer and consequently my account, after a two week investigation by the card issuer, was credited for the unauthorized purchase. Two month later, the card issuer put the charge back on my account XXXXafter I paid the account off0. I received no notice and despite numerous phone calls to the card issuer I have been unable to ascertain why the charge was placed back on my account and I have been unable to gave the charge removed or received reasons why it is not being removed.
11/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 150XX
Web
Kay jewelers say I owe {$4000.00} my personal information was hacked and someone else used my personal information The notice on mailing was XXXX XXXX I assume you would have to ask company to see what dates charges occurred on This is the reference number they gave me XXXX XXXX XXXX XXXX is the company There phone number is XXXX I dont have time to deal with their inaccurate information Their address is XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time Also I will not give my social security number out because of the fraud I suffered before
11/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • CA
  • 90043
Web
Contacted Credit card company on XXXX asking to get credit card protection to get started on account, Rep advised that I do not have protection on account requested a copy of application for verification, was denied access of application copy, Rep told me to go online to see asked if I'm able to get access of a scanned copy of online, Rep advised me no, I told rep I'm unemployed and that my unemployment benefits were upheld which is why payment hasn't been made and why I called in for the protection by to get started, Rep advised wasn't able to assist so the call was terminated.
09/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 91302
Web
I closed my Indigo/Genesis credit card on XX/XX/21, and received a refund of the credit/overpayment on the account in XXXX. After this, also in XXXX, the credit card reopened my card account, without my permission, and subsequently allowed three charges to go through. Then they debited my checking account yesterday for an auto-payment, without my permission. I called them this morning, and their solution is to dispute the three charges with the merchant, which they allowed, and if they are able to resolve it, I will receive a refund of my unauthorized auto-payment after 60-days.
04/23/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WI
  • 53214
Web
There is an unknown charge on my Milestone card. XX/XX/XXXX Trans date XX/XX/XXXX Post date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed 2 disputes with Milestone regarding this. Nothing has happened. I did not purchase this item and I received no such item. Doing a bit of research the item is an XXXX help manual. I do not own any XXXX products so why would I buy such a thing. The XXXX number listed in the transaction does not belong to any business related to the so called item. This transaction is fraudulent and I want a refund of funds as listed under my card rights.
02/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28105
Web
i had a credit card with indigo master card ( Genesis FS card services. they gave me a balance of {$300.00} in XXXX of 2020 i paid the balance in full and closed the account. now a company by the name of XXXX XXXX capital is trying to collect for {$470.00} indigo has tacked on illegally additional amounts after the card was close and sold it to the above company. i believe this to be fraud on both parts. indigo master card Genensis FS card services XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA, XXXX Acct # XXXX reference # XXXX this is fraud.
11/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75056
Web
I have late payments showing on my credit report with Milestone ( now known as XXXX XXXX ) from XXXX, XXXX, and XX/XX/2022. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OR
  • 97702
Web
Genisisfs card services is the name of company. XXXX - XX/XX/2022 for XXXX. I reported the charge and disputed it, they contacted this fake company and got sent an incomplete invoice of purchase showing my personal info and this invoice was missing shipping/tracking numbers, shipping carrier etc. and they supposedly shipped this product to my house. Usps has no record of the shipment or it being shipped and they were supposedly used to ship it. This company has shot my complaint back twice and still insists I purchased this product Ive never heard of or would ever use.
10/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60440
Web
I've sent letters to all 3 credit bureaus asking them to verify debts and accounts on my credit report due to inaccuracies i noticed. 3 weeks later I received letters stating they've verified my credit reports and the accounts however there are still inaccuracies showing on my reports. the following accounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and according to the 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
05/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • VA
  • 245XX
Web
I received a statement in the mail XXXX 2022 for a credit card from Destiny XXXX, a company owned by Genesis FS Card Services that I never applied for. The card already appears on my credit history, so someone fraudulently signed up for it in my name/via my SSN. The card has a {$300.00} credit limit but a {$75.00} annual fee, clearly a rip-off. I called the company to demand to see proof that I signed up for this card ; they referred me to a manager, who then said they can do nothing unless I've reported the fradulent card opening to the government. Hence, this report.
11/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 447XX
Web
Was hospitalized for a couple months due to XXXX complications. Contacted the company and was assured they would work with me and my account would not be reported late. They reported my account 30 days past due. I contacted them and explained the situation again, and informed them I was keeping my end of the arrangement and had made the agreed payment, and they refused to remove or correct the late payment on my credit report that I was told would not be reported in the first place. I asked for a resolution to remove the late payment report and they refused to work with me.
08/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95688
Web
I have two credit cards with Genesis FS. Yesterday I received a fraud text on my Milestone Card and Checked today on my Indigo Card. I have reported this issue top the company for each instance. They can not tell my why or how someone was able to change my address and email on their site on my profiles. Both credit cards mailing addresses were changed without my knowledge or approval to an address in Pennsylvania. The fraudulent information is : XXXX XXXX XXXX XXXX, PA XXXX Fraudulent email is : XXXX NOTE : This physical and email addresses are in no way affiliated with me.
07/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • 30052
Web Servicemember
I have not been able to use my destiny credit card since the XXXX f XXXX a contactted customer service and was told there was a block because of one {$10.00} pand dollar payment that did not go through on XX/XX/XXXX I was not aware of these terms I was not It's warned about future and sufficient fun returns and as of XX/XX/XXXX I'm still unable to use my card and I am having to pay interest on charges with a call that I can not use Due to these actions I am being threatened by bills that I have ACH AUTO PAY using mydestiny credit card and have incurred late fees as a result
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33027
Web
This company was notified by me over phone communication that I dont want my personal information shared with affiliates or non affiliated parties. Then then sent me my Opt Out disclosure form which I fax in and they received. But they are still sharing my info with CRAs after I stated I want to limit the sharing of my information. Also I never sent them any certified permissible purpose stating I would want my reports shared in the first place pursuant 15 USC 1681b. They also fail to comply with 15 USC 6802 with respect to Opt Out of sharing my non public personal info.
07/19/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27407
Web
On XX/XX/XXXX documents were sent to request a loan on the amount of {$1000.00} I declined this amount and a new document was sent for {$2000.00} by FEB/XXXX-RETAIL Account number XXXX. FEB/XXXXRETAIL under united medical states that I owe {$3000.00} of a {$4000.00} credit limit. Customer service has confirmed the amount of {$2000.00}. I also have receipts from the merchant I used the funds with which stated the lender directly send them {$2000.00} the all additional funds were paid directly by me. Id like to have the inaccurate information deleted from my credit report.
03/02/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • IL
  • 61701
Web Servicemember
I'm XXXX and was a member of XXXX. I was advised to attend until fully vaccinated. I called, explained, and was disenrolled over the phone from an associate within XXXX in XX/XX/XXXX. I received vaccine XX/XX/XXXX and XX/XX/XXXX, and have not yet gotten a chance for the booster. On XX/XX/XXXX, XXXX began charging XXXX monthly fees to my credit card while sending advertising emails for me to sign backup for new/ reenroll membership. The credit card that PF fraudulent stole money from only had a credit limit of {$300.00}. I now owe {$600.00} due to fees and limit charges.
08/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • XXXXX
Web Older American
On XX/XX/23, I submitted a {$40.00} payment to Indigo XXXX acct on a balance of {$300.00}. The payment was applied and the current balance is {$260.00}. However, the available credit remained at - {$5.00}. After applying the payment there should be an available credit amount. Approximately, XX/XX/23, I inquired about the available credit remaining at - {$5.00}. It was very difficult to understand the agent but I was able to decipher something about 15 days. At this time, XX/XX/23, this remains at negative {$5.00}. Also, account provided an overlimit would be allowed.
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31904
Web
I am writing this complaint to CB INDIGO/GF. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
08/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30135
Web Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
10/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28311
Web Servicemember
Improper use of my reports by XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. I have late payments showing for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I explained these payments were late because of not working because of COVID-19
09/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11420
Web
I am contacting you because my CB Indigo/GF which was opened XXXX has reported without my approval a late payment on my account which is a violation according to code 15 U.S code 6802. I have attempted to contact them in regards the matter and they refuse to remove. I never missed any payments on this account and will like this to be resolved/removed. This company placed this inaccurate info on my XXXX credit profile and I will like this removed according to the following U.S Codes : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
05/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 754XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX You are in direct violation of The Fair Credit Reporting ACT ( XXXX XXXX XXXX ) has violated several of my rights. 15 U.S.C. 1681 Section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting Agency can not furnish an account without my written instructions. 15U.S.C. credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
11/03/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91302
Web
An Indigo Credit Card or ( Genesis Card Services ) customer service representative suprevisor told me over the phone that Indigo ( Genesis Card Services ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of Indigo Credit card ( Genesis Card Services ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and Indigo Credit Card ( Genesis Card Services ) but to no avail.
08/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • LA
  • 70816
Web
My payment history reflects missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were missed due to my diagnosis of the XXXX XXXX, which placed a burden on my health and finances for the year XXXX including having to attend physical therapy. Since then, I have paid my account balance down to {$0.00}. This company refuses to remove the late payments sustained as a result of XXXX. Although this company is not obligated to forgive any of my discrepancies, as a consumer I expected a little bit of leniency while facing the epidemic.
07/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 184XX
Web
Credit card was opened without authorization. When calling the company they will not do anything unless you give your full SSI # first. They will not talk to me unless I give my full account number. I never opened this account. I do not have a card, and the account # is not on the bill they are sending for a payment. This does however show up on my credit report. The website does not give an option to close the account and only gives the information below. The company name is. Genesis FS Card Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX www.Destinycard.com
06/01/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IA
  • 52732
Web Servicemember
I received another call today from this company, they left a voice mail. They called at my home number both this time and in the past. They called at XXXX XXXX on XX/XX/2022. Their call back number is XXXX. The called ID number was XXXX. The keep calling about a " Milestone '' account. I do not, and have never had an account with them and they have been unable to find me in their system by social security number. I have called them multiple times now and each time the agent says it is a mistake and they will remove the number but I keep getting calls from them.
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • SC
  • 296XX
Web
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. I then sent a third letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. Additionally, the company sent me a letter on XX/XX/2022 stating that they have reported to the credit bureaus that the account is in dispute. They still failed to provide me with the information I had originally requested.
07/23/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33025
Web
I have reported charges that were fraud on my credit card from XXXX and made a dispute with CB indigo which is through genesis fs and they stated an investigation would take 30-60 days and nothing has been done with taking these charges off my account. This credit card company has been charging me late fees on this account when they do not belong to me since i never made these purchases. I am disputing this account since I have now closed this and want to find remedy in the credit card company zeroing out this account since they never completed an investigation
11/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • RI
  • 028XX
Web
I recently made a payment on XX/XX/2022 for the past due amount of {$80.00}. I received a notification that the payment was processing and will be applied in two business days. I checked my account on their website and the payment was processed. I checked my email yesterday and was told that my payment was reversed was not told why as to why it was reversed. I dont have extra to pay this if Im trying to get my credit in order so I can purchase a home in the new year. I felt this company is doing something fraudulent or reversing my payments once they are made.
03/22/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NC
  • 27530
Web Servicemember
I made my {$40.00} credit card payment on the second of this month. I have evidence to show it came out of my bank account. I get a email saying my card is behind on payment today and my new balance is up from {$260.00} to {$400.00} just because of late fees and service fees. This is twice they have hit my with late fees when I always pay my bill on time. I have screenshot proof that this was an error and they are unwilling to change their mistake. It's the Milestone credit card. I did close the card account but I still want to just pay my bill and be done!!!
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95207
Web
In accordance with fair credit reporting act Feb Destiny - Genesis FS Card Services, Account # XXXX XXXX XXXX XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/27/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77084
Web
My account was on automated pay. My banking account was deemed closed by their systems but was not the case. I wasn't notified that my account was pasted due. A late payment was placed on my credit report due to their mistake. I spoke with countless account managers at least six times over the last month. First contact was made on XX/XX/2022 and no action has been made. I still have a negative item on my credit report and I need it removed due the company 's negligence and it is deemed illegal to report late payments one 's credit report, stated from XXXX.
02/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 708XX
Web
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. - XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. -CB Indigo/ GF was opened on XX/XX/XXXX. XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXXXXXX XXXX XXXX of {$1400.00} date opened unknown. I did not open these accounts.
10/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • MI
  • 480XX
Web
So to summarize my problem.. in XXXXXXXX XXXX XXXX, I applied for an Indigo Mastercard by Genesis FS Card Services and was approved for {$300.00}. To this day, I still have never received my credit card from them and I called almost 5-10 times and I only get the same answer that I must wait another 2 weeks. I can not create a login nor pay my bills online on their website because I dont have card numbers to register my account. Keep in mind that they can easily send me monthly statements to my home, but cant send 1 single credit card in 3 months time.
12/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27616
Web
On XX/XX/2022 a letter was sent directly to CB Indigo and FEB Destiny. These companies are also known as XXXX XXXX XXXX XXXX. The reason I originally contacted them is that I have two new collections from the same company. Now I have a total of XXXX negative accounts which should at best only be XXXX accounts. I requested a second time and was closed immediately and no resolution nor a response on why it was denied. In the end, I am requesting the removal of account CB Indigo and FEB Destiny because they are already being collected from a third party
01/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91764
Web
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account : XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
10/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 331XX
Web
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
10/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78634
Web
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
03/02/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CT
  • 06320
Web
There appears to yet another block on account ending in XXXX with Genesis FS Card Services, due to returned payment in the amount of {$50.00} made on XX/XX/24, payments made via bill pay thereafter have cleared, this one returned payment should not be an issue. However, it appears it is as well as a new card which was issued and not received.. The current card I have ending in XXXX does not match up with what is shown on account web-site, which is XXXX. I attempted to clarify new card ordered, was unable to do so as well as resolve block on account.
10/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MO
  • 64151
Web
I applied for a credit card with INDIGO which was advertised on XXXX XXXX and they denied me credit immediately and also ran my credit with XXXX and it showed up on my XXXX account and XXXX XXXX, meaning they got paid and I received no benefit from them and that is discrimination, fraud, unauthorized use of a credit card and identity theft and that's all codified in 15 USC 1691C, 1692K, 1642, 1681m, 12 CFR 1002 and others. Then they had the nerve to email me demanding copies of my picture identification, drivers license, passport and utility bills.
05/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 190XX
Web Servicemember
On XX/XX/2022 I received a credit statement of purchases I did not make or authorize, I contacted Indigo Credit card and notified them of fraud charges, I had paid {$40.00} so accurate account balance is now - & XXXX XXXX dollars they removed the XXXX dollars and closed card and issued me new one of which i will receive in 7-10 days, today XX/XX/2022 i saw they reported debt to credit bureas, XXXX XXXX XXXX XXXX XXXX XXXX, as open and XXXX balance incorrect my credit score also took a hit of XXXX points collectively on all 3 major reporting bureaus
12/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MO
  • 655XX
Web
Destiny Mastercard run by genesis inc without notice or writing or contacting me, lowered my credit limit, causing a over limit on the card and reporting it to the credit bureaus as over limit. Then wanting a min payment of over {$250.00} threatening late fees and extra interest charges if not paid on payment date. My previous payments have been around $ XXXX. I have called them and made contact with them on XX/XX/XXXX and XXXX XXXX. They admit they lowered the credit limit and want {$250.00} payable now, even though I paid {$50.00} on XX/XX/XXXX.
12/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27616
Web
On XX/XX/2022 a letter was sent directly to CB Indigo and FEB Destiny. These companies are also known as XXXXXXXX XXXX XXXX XXXX The reason I originally contacted them is that I have two new collections from the same company. Now I have a total of 4 negative accounts which should at best only be 2 accounts. I requested a second time and was closed immediately and no resolution nor a response on why it was denied. In the end, I am requesting the removal of account CB Indigo and FEB Destiny because they are already being collected from a third party
04/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 335XX
Web Older American, Servicemember
I received an approved credit card number ( not a card ) with a {$4000.00} line of credit in my name in the mail today from a company called Genisis FS Card Services headquartered in XXXX, OR. I called and spoke with their fraud department. The first thing they requested was my social security number. I said no. I offered instead the credit card number they assigned in my name. They were not interested and said I would have to contact the FTC and file an affidavit They would respond to that in about 60 days. I feel this was a phishing expedition.
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • XXXXX
Web
In accordance with the FairCredit Reporting Act XXXX XXXX has Violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose. 15 USC 1681A ( 2 ) ( I ) reporting containing solely as to transactions or experiences between consumers and the person making the report
03/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 32708
Web
On XXXX i received an alert from XXXX. That i applied for XXXX separate credit cards. XXXXCb Indigo, address is XXXX XXXX XXXX XXXX, XXXX Phone is XXXX And 2.Feb/ Destiny, address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone is XXXX I called the number and found out that this call center manages both card company and I was able to file a dispute and was able cancel both cards that was approved today. I requested them to investigate and take my information of credit bureaus inquiries. They said I have to file a complaint CFPB so they can proceed.
12/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37128
Web
I called cb indigo in XXXX of 2020, I had my late fee waived and can indigo gave me an financial accommodation. Cb indigo told me not to worry that they would waive my late fee due to the pandemic. I also called them and told them I was suffering due to the pandemic. XX/XX/2020 I called them to have the late payment fee credited back and they did just that. According to the Cares Act they gave me relief and they shouldnt have reported me as late during this timeframe. I would like this late payment removed as it is unlawful due to the Cares Act.
03/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 352XX
Web
After checking my credit report there are multiple inaccuracies from this company like date last paid, balance, recent payment history, status, and even date opened. My main concern however is that I was NEVER late on this account I have reached out not only to this company directly but to the credit agency as well with no response I have made consistent payments month after month and I would like to have these inaccuracies fixed as soon as possible as this has severely hurt my financial my standing. Please update the missing payments to current
03/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 32708
Web
On XXXX i received an alert from XXXX. That i applied for XXXX separate credit cards. XXXXXXXX XXXX, address is XXXX XXXX XXXX XXXX, XXXX Phone is XXXX And XXXXXXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone is XXXX I called the number and found out that this call center manages both card company and I was able to file a dispute and was able cancel both cards that was approved today. I requested them to investigate and take my information of credit bureaus inquiries. They said I have to file a complaint CFPB so they can proceed.
11/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WV
  • 251XX
Web
My credit report show there is an account open in my name with Milestone that I did not open. I called Milestone, which is ran by Genesis FS Card Services Inc. They said that I need to reach out to you guys, and they will not close the account. I know I didn't open the account cause every time they email me there you been approved letters, I trashed them. All of a sudden, I get a card in the mail. I trashed the card. Then yesterday I got a bill saying I owed {$170.00} dollars. Who would want a card like that. My name is not even correct.
10/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 10591
Web Servicemember
To whom it may concern, I received a phone call from a company called GENESIS FS Card. They were looking for a payment on a card they issued to some one pretending to be me. As per the agent this is a Master card with the last four ending in XXXX. That's how I learned about this issue. I suggested to them to cancel the card because it was not me. I have no knowledge of this card or account opened in my name. The card company claims the card purchases were made in another state. I am filling the report because I believe I am a victim of FRAUD.
10/12/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • DC
  • 20020
Web
XXXX XXXX promised me a guaranteed approval for the Indigo platinum master card issued by XXXX XXXX for XXXX dollars. I was promised and the pre-approval of the bank also restated the same. I applied and later was given a XXXX dollar limit and a XXXX fee. I called Indigo and was promised that because of the misinformation, the hard pull would be removed and the account will be closed if they cant change the limit to XXXX. Instead the card was closed and the hard pull remained. When I call they tell me they cant find the application at All.
11/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29420
Web
Indigo credit card ... I have explain to this collection agency that I am not working due to my sickness ..but they keep calling me all type of hours..I had calls come in early as XXXX to XXXX ... then when I do answer they ask for my name.and when I say this is him..I am not working they just don't say nothing.they just hang up on me..then call back in two more hours and do the same thing.i am so stressed from this people keep calling me..when I see that area code XXXX keep calling my phone I just want to jump of a roof..from this stress
01/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • GA
  • 30019
Web Older American
I accepted a marketing offer from Milestone Credit Card XXXX months ago. It was XXXX that I would receive a credit limit increase double the initial credit limit after making XXXX payments. I have made XXXX payments but have not not received the credit limit increase promised in the marketing material. When I reached out to Milestone Credit Card I was informed the card did not qualify for a credit limit increase and the the limit stays at {$700.00} forever. I am submitting a complaint because I think that false advertising/marketing.
08/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33033
Web
I have a loan with XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
10/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23518
Web Servicemember
Account name : FEB/GFSCS-RETAIL XXXX XXXX XXXX Account number : XXXX I owed {$1000.00} and the debt was closed for nonpayment, then sold to XXXX XXXX XXXX. {$730.00} was paid in XX/XX/2019 but XXXX agreed to notate it as " Settled in Full ''. I have documentation from XXXX to prove this. My credit report shows is still as FEB/GFSCS-RETAIL and initially just " Closed ''. After submitting this document to XXXX in hopes of the " Settled in Full '' appearing, it was instead changed from " Closed '' to " Closed. {$1000.00} written off ''.
06/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 30080
Web
Please TAKE NOTICE that several correspondences has been sent to this company since XXXX. This account has been paid in full. Yet nothing has reflected that the account has been paid, in addition to I continue to receive bills that does not adequately reflect that this account has been paid. Further interest fees has been charged and it is reported on my credit that I have not paid, when I have in fact paid this off in full. Please be advised that if this matter is not settled within the next 30 days that legal action may be pursued.
05/19/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 604XX
Web
No late payments to date. Tried to resolve with company. I still maintain good standing with account. In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • RI
  • 02860
Web
Hi INDIGO ; Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
03/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 959XX
Web
Credit company is stating my card was closed in XXXX but I used my card in XXXX to buy XXXX presents. I made my payments in XXXX and paid off the card in XXXX and XXXX and paid an extra {$100.00} to have a positive account balance. I was never notified that my account was closed or that there was any issue with the account. Only mail I ever received was the account monthly statements. Account is closed so be it. All I'm asking for is the extra 100 returned. There was evidence of all this but now I'm locked out of my online account
08/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30180
Web
Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr 192 one can not demand any certain form of currency that would like to receive if it is dollar for dollar. Company : XXXX XXXX XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, XXXX, XXXX
03/15/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 604XX
Web
This account was closed by the credit card XXXX in 2020. They said they were no longer carrying this credit card. They were closing the whole branch for the XXXX XXXX credit card. I made a settlement with them. They agreed to remove off of my credit. I keep disputing it and it keeps coming up on my credit report incorrect information. It is supposed to be totally XXXX was not originally through XXXX. I guess when they closed everybodys account they sold all the accounts to XXXX. Please help. I have be trying to get this corrected.
09/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30127
Web Servicemember
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
03/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32824
Web
Every month Destiny card report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime Destiny card report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n.
07/06/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 130XX
Web
XXXX XXXX credit card is through XXXX bank they sold to bank of XXXX when they did they charged my XXXX card over XXXX dollars since then my credit report has been negatively effect I call them they say yes we understand we are getting it resolved mean while my credit report is taken a dive do to me using more then XXXX percent of the XXXX dollar limit I call every day I want to sue them for this huge inconvenience it still shows I owe over XXXX instead the XXXX I do owe the false reporting has stopped me from buying a new car
02/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 11215
Web Older American
I received a credit card bill from Indigo by mail at home It was addressed to my correct name at my correct home address. I never applied for the card. It showed a fee due ( {$76.00} ) but no purchases. I called the number on the invoice and was transferred to their fraud prevention department. They said they would freeze the account, drop the charge, and they asked me to file a complaint at www.identitytheft.gov, then send them the affidavit I would get as part of the process, at which time they would close the account.
04/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 624XX
Web
I initially purchased something online at XXXX and it never was sent out and shipped even though company said they did. However XXXX XXXX told me the ship number initiated at shipper but never was handed to XXXX XXXX. So with that being said I contacted credit card company milestone and told them I wanted a reversal on charge. They said they couldn't help me yet but to call back in a week and they will see what they can do. A WEEK! I just closed account at milestone but now have no help on charge for something I never got
09/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 92505
Web Servicemember
I enrolled in the payment protection program. Initially, the payment protection department was compliant sending me documents and forms to be completed. I completed them right away and submitted them. I called in thereafter to confirm documents I completed were received in good order. I sent them in on three different occasions and each time, the payment protection dept stated they have not received all of my documents when I repeatedly submitted them. They are not following up or initiating my payment protection benefit.
09/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 13440
Web
This is the second time I've had fraud on this account and have been told I don't need to make a payment. The whole amount charged is fraudulent and do no rust this company to reimburse me if I were to make a payment. I've called several times and still show a payment due while they are investigating. The first time was a nightmare and I anticipate this one will be as well since it's already starting off that way. I've since closed my account and just want this claim to be resolved quickly so it doesn't ruin my credit.
03/12/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27406
Web
There are three credit card accounts with Genesis FS that show as closed and keep being sent to collections ruining my credit report. I am not aware of where these accounts come from and they are ruining my life. I have reached out to have the accounts deleted but the company has been no help the account are listed as other companies such as The XXXX XXXX XXXX, feb destiny, and cb indigo I have done my investigation and they all link to this company with the same phone number and XXXX XXXX XXXXXXXX XXXX, or XXXX, XXXX
10/21/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Company closed your account
  • GA
  • 30281
Web
I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated under the Truth in Lending act. 12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. See attached.
04/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 134XX
Web
I went bankrupt in XX/XX/2020. I have XXXX credit card accounts that are showing CLOSED THROUGH BANKRUPTCY, but still shows they were late, negatively affecting my score. I want them removed from my report like the rest of my accounts that were late, but are no longer showing on the report after the bankruptcy. I disputed these accounts multiple times in an attempt to have them removed without success. I contacted the companies and was told they could not remove the accounts. This is negatively affecting my credit.
09/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30274
Web
I have called the lender XXXX XXXX several times and the telephone number associated with the lender is not valid. I have mailed the lender a letter requesting to find out who they are and why are ( 3 ) separate inquiries from them listed on my credit report. I never received a reply from the lender regarding my inquiry. So at this point I would like to have this lender removed from my credit report. I have no recollection of ever applying for credit. And the information listed for them is not accurate nor current
12/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07305
Web
Reported problem to XXXX, about credit card account INDIGO that went into collection but the collection agency doesnt appear on my credit report and I have paid amount owed to that collection agency. Called XXXX XXXX XXXX. The agreement between me and indigo credit card was I pay velocity collections and they would forward proof to XXXX as paid and to delete from my credit report. On XXXX and XXXX it was done right and it doesnt show on my credit report. So XXXX is my problem they just dont know what there doing.
11/30/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CA
  • XXXXX
Web
since XXXX since my credit protection benefits ended I've asked on a recorded call to have XXXX forms mailed to me house ( intially i asked for unemployment and changed to XXXX ) not only are they still mailing employment forms instead of XXXX they are mailing it to my XXXX XXXX XXXX of my house after requesting it be mailed to my house 5x!!!! all late fers needs to be waived and courtesy payments needs to be paid for the duration i didn't receive proper documentation asked for. and reported to bearus ACCURATELY
08/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NC
  • 28210
Web
I made a payment from my banks bill pay center. The payment was received on XX/XX/2023 and processed with XXXX XXXX on XX/XX/2023 per the deposit details on the back of the check. I have called XXXX XXXX XXXX in regards to my Indigo XXXX XXXX on XX/XX/2023. I have also faxed a copy of the cashed check, in which the payment has yet to be applied. They have also reported to the credit bureaus on XX/XX/2023, that my card was over the limit and that my usage was 107 %. Which has had a negative effect on my credit.
05/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 79936
Web
Credit card opened unauthorized using my identity and sent to collections due to non-payments. Credit card was opened XX/XX/XXXX, for the amount of {$200.00}. {$630.00} was sent to collections due to over due payment on XX/XX/XXXX. Unauthorized used was confront and refuses to pay up to date. A case was opened with a detective from the city police department on XX/XX/XXXX for identity theft. Case number XXXX. Please feel free to contact me to my email address or the city police department for more information.
12/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 11367
Web
From XX/XX/22 thru XX/XX/22 a Genesis FS Card customer by the name of XXXX XXXX used their credit card to fraudulently debit my XXXX account for 40 separate charges for a total of {$8300.00}. Since discovering the fraud and reporting it to XXXX, {$2400.00} has been returned, leaving {$5800.00} still outstanding. I am requesting that Genesis FS Card return this amount which they enabled their customer to fraudulently debit from my account using their financial instrument with insufficient oversight on their part.
11/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 95628
Web
Some person opened a Destiny Master Credit Card in my name on XX/XX/XXXX. I never opened an account with Genesis FS Services. I get a lot of mail with credit applications but throw them out in the apartment garbage bins. It appears someone went through the garbage and stole my identity to make purchases that were unauthorized and fraudulent.Genesis FS Card Services is the name of the issuer I spoke with Day, XX/XX/XXXX, This jyst came to y knowledge as I was texted a bill for credit services I never applied for.
04/11/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 164XX
Web
I had a genesis credit card sold to XXXX XXXX debt collector in amount of XXXX I made payment arrangements and have paid XXXX and only owe XXXX remaining. Which will be paid off in 3 weeks. The debt collector for genesis card services sold my account or transfered to a SECOND collector for XXXX XXXX XXXX XXXX in the amount of XXXX although I only owe XXXX which is auto ach from my bank weekly for XXXX ( I have proof of payments ). They have 2 collection agencies collecting different amounts for the SAME debt!!!
06/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 125XX
Web
On XX/XX/XXXX, Monday, 2022. I got a notification from my experian app that a new account has been added to my credit file and I had not been the one to open that account. It was with Milestone for {$500.00}. I called them and they are aware that the account is fraudulent. It looks like they already paid 1 month off. This is the XXXX account to be opened in my name, using my social. The previous account is with XXXX XXXX Bank, for {$1000.00}. Which the company did NOT remove, for reasons I do not understand.
09/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30281
Web
Filed police report, called and tried to resolve incident with all credit bureaus, and credit card companies, certified mailed all required documents to credit bureau to solve this matter. This is my 2nd issue with someone using my information fraudulent and credit bureaus were aware back in 2019, the police report is on file for 2019 as well, and a credit freeze added to my personal information. Now a address with XXXX, Illinois appearing on my credit reports with credit cards with address to XXXX, Illinois.
09/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NC
  • 281XX
Web Older American
I HAVE HAD THIS CREDIT CARD WITH GENESIS FS CARD SERVICES SINCE 2009 BUT IT IS NOT BEING REPORTED TO THE CREDIT BUREAUS.I CALLED THEM ABOUT A MONTH AGO AND TOLD THEM THEY SAID THAT THEY ARE REPORTING IT.I CALLED XXXX XXXX AND THEY SAID THEY HAD NO RECORDS AND TOLD ME TO CALL THE COMPANY A FEW DAYS AGO AND THEY SAID THE SAME THING AS BEFORE.SO I DISPUTED THEM.THIS HAS CAUSED ME TO KEEP MY SCORE LOWER THAN IT IS SUPPOSE TO BE FOR YEARS AND CAUSE ME HARDSHIP.PLEASE LOOK INTO IT TO SEE IF YOU CAN HELP. THANK YOU
07/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • FL
  • 321XX
Web
Indigo ( genesis card service ) is refusing to close my account after I paid it off and asked for it to be closed. They are playing games and lying to me and it is beyond frustrating. I keep receiving bills for {$0.00} and my account is still open. They are keeping my account open for their own purposes against my will. I have lost hours of my life trying to get them to close my account but they just continue to lie to me and tell me its been closed when it very clearly has not been. I WANT MY ACCOUNT CLOSED
03/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 657XX
Web
XXXX XXXX account number XXXX has violated my rights as a consumer. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agencycannot furnish a acoount without my written instructions. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
12/04/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • XXXXX
Web Older American
On XXXX XXXX I made a {$200.00} payment to Destiny Credit Card online amount for the month was {$89.00}. The payment posted from my bank on XXXX XXXX As of today my available credit is not reflected on my account. After calling credit company several times, I was inform that the company has the discrepancy to HOLD my payment for 14 days if they chose to for NO REASON. Can the card company do this with out giving a customer a valid reason? Also would like to know WHY my account is overdraw by {$21.00}
05/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23228
Web Older American
I just completed chapter 13 bankruptcy in XXXX of XXXX. I tried working with credit repair to see if they could help me quicker restore my credit, I think in XXXX of XXXX, I started with them. I think I called credit repair and they told me about me owing this Genesis FS Card. I called Genesis and they suggest I file a fraudulent claim. I so not recall getting anything with this card, never received a bill stating what was owed and what for. I will appreciate anything you can do to help me with this.
12/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NC
  • 27513
Web
On XX/XX/XXXX, I received an offer in the mail for the Milestone credit card. The literature did not mention that there was an annual fee of {$170.00} and that this fee would be deducted from the credit limit. I was approved with a {$700.00} credit limit minus {$170.00}. I was not aware of this fee until XX/XX/XXXX when I tried using the card at a store and the transaction was declined. As of XX/XX/XXXX, I have a balance of {$660.00} and a transaction for {$32.00} would not process for some odd reason.
11/29/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CA
  • XXXXX
Web
since XXXX since my XXXX XXXX XXXX ended I've asked on a recorded call to have XXXX forms mailed to me house ( intially i asked for unemployment and changed to XXXX ) not only are they still mailing employment forms instead of XXXX they are mailing it to my XXXX XXXX instead of my house after requesting it be mailed to my house 5x!!!! all late fees needs to be waived and courtesy payments needs to be paid for the duration i didn't receive proper documentation asked for. and reported to bearus ACCURATELY
10/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 92543
Web
On Tuesday XX/XX/2023, in the afternoon before XXXX XXXX I initiated a credit card payment online. Early the next morning I checked the credit card account website and there was no payment, pending or otherwise, shown. Frustrated that they did not have my payment information I initiated the SAME payment again. I just checked my credit card account and now it shows TWO of the same payment and now those payments will try to post and there is only enough for ONE!! Fees from both ends I will be fighting!!
09/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NM
  • 87105
Web
I have fraudulent charges reflecting on my credit report from XXXX - Genesis Retail, XXXX XXXX XXXX which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. At this point and time I need to take this to a higher level to dispute these fraudulent charges.
01/09/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • RI
  • 02908
Web
On XX/XX/2021 I was informed that a credit was opened in my name the listing read XXXX XXXX on my credit report, I contacted the company and was informed it was a credit card issued in my name for {$6000.00}. I informed the company my identity was stolen and that I had no knowledge of the credit acquired in this store at all nor did anyone have access to get said credit in my name. It is now under investigation and I hope it can be resolved as I have now had to place a fraud report on my credit report.
10/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MS
  • 389XX
Web
On XX/XX/XXXX I received a fraud alert from Genesis FS for my Milestone credit card. I denied the payment and they placed a hold on the card. A payment to my credit card that I made to reduce my balance went through on XX/XX/XXXX. When I opened my account online their were other charges that I did not make that had come out. I am unable to log back into my account, I have called every number for Milestone and Genesis FS and the phone hangs up so I have not been able to talk to anyone or close my card.
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92374
Web
I am a victim of identity theft i have included documents of my reports and submissions of filing for identity theft off identity theft by gov is well as other sources CFPB and submission to the actual FBI of my hacked personal information that has caused me a lot of issues I am trying to clear up my credit report so please erase all inquiries that I am requesting as they have not been authorized or applied by meThis has been a violation and this is unlawful and unauthorized and is consumer violation
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92374
Web
I am a victim of identity theft i have included documents of my reports and submissions of filing for identity theft off identity theft by gov is well as other sources CFPB and submission to the actual FBI of my hacked personal information that has caused me a lot of issues I am trying to clear up my credit report so please erase all inquiries that I am requesting as they have not been authorized or applied by meThis has been a violation and this is unlawful and unauthorized and is consumer violation
02/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NY
  • 10462
Web
destiny credit card company is reporting inaccurate information to all three credit bureaus They are over charging high interest rates and extreme late fees. ( for example if you have a initial credit of XXXX and you miss a payment or don't make more than the minimum amount required. They still report late and over charge. so you will end up paying XXXX dollars for a XXXX card limit. This creditor grantor was misleading and promoting false advertising. This company is suppose to help rebuild credit.
11/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NM
  • 87105
Web
I have fraudulent charges reflecting on my credit report from XXXX - Genesis Retail, XXXX XXXX XXXX which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. At this point and time I need to take this to a higher level to dispute these fraudulent charges.
08/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 393XX
Web
XXXX XX/XX/2022 at XXXX XXXX 1 Messenger XXXX WRITE UP all a XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90731
Web
According to usc 1681a under exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Consumer meaning individual ( me ) and person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). I would like to have the late transactions removed from my report immediately. Milestone late payments I would like removed.
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21230
Web
XXXX XXXX is reporting inaccurate information on my credit report to all three credit agencies .They are informing XXXX XXXX XXXX and XXXX of 30 days and 60 days late payments in the same month and year XX/XX/2022. That is inaccurate, I am sending proof of payment receipts and emails of communication. I never received a late payment statement or phone call indicating rejected payment or given the time allowed to correct the error if made by me in the time allowed before a late payment is reported.
07/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27407
Web
Genesis FS Card Services are harassing me by repeatedly calling me every day and more than 7 times a day trying to collect a credit card debt. I have blocked them and from XXXX XXXX till XXXX XXXX I have screenshots of XXXX blocked calls from them. The phone number is XXXX. Now they have started calling me from phone number XXXX and emailing me. I cant take it anymore more, the account is closed, on my credit report as closed on XXXX XXXX. Please help me, I can provide screenshots of the call log.
02/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OK
  • 73099
Web
Two automatic payments of {$40.00} were debited within 2 days. The first on XXXX, the second on XX/XX/2022. On XX/XX/2022, at XXXX XXXX CST, I engaged with XXXX, in the XXXX representing Indigo Credit Card Co. I advised I was looking directly at my bank statement, he gave fax # of XXXX XXXX XXXX but wouldnt give a turnaround time. When I stated my concern that there may be 2 payments deducted in XXXX and requested a supervisors name and a callback he disconnected the call. XXXX XXXX, XXXX, XXXX
05/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32713
Web
I submitted a certified letter to the company on XX/XX/XXXX which was received on XX/XX/XXXX requesting validation of debt which they did not response tracking # XXXX it has now been over 30 days with no response However I did receive a letter that they were updating my address which has nothing to do with my request I did submit a second request on XX/XX/XXXX tracking # XXXX received XXXX for a follow up letter for refusal of validation and this needs to be deleted from all XXXX credit bureaus
05/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 92240
Web Older American
I found a credit card listed on my XXXX XXXX XXXX information that I did not request. The card was identified as : XXXXXXXX XXXX Account shown as XXXX With a balance of {$76.00} and a {$300.00} credit limit It was opened ( not my me ) on XX/XX/ and is a revolving account. I called Genesis at ( XXXX ) XXXX to report it and was told to contact the FTC, who sent me to you to open a report. The address they had was not my address. Let me know if you need more information. Thank you, XXXX XXXX
08/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 393XX
Web
XXXX XX/XX/ 2022 at XXXX XXXX 1 Messenger GFPB WRITE UP all a 0 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 366XX
Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
12/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 30044
Web Servicemember
I closed this card in XX/XX/2021 because the fees were too high. Due to XXXX I lost 75 % of my income and this company didn't want to adjust the annual fee so I closed the card. When I closed the card my balance was around {$220.00} which I have paid about {$170.00}. I am a veteran who is on unemployment so I haven't had the income to pay off the {$50.00} remaining balance. I received a bill showing over {$500.00}. How can they charge me fees on a closed account? These fees need to be removed.
10/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NC
  • 275XX
Web
My Destiny credit card expired XX/XX/. I called in XXXX to ensure that I would receive a new card soon. Customer service assured me that I would receive a new card. In XXXX I still have no card. I contacted customer service and was told that an error took place on their behalf and I should get a card in 3 to 5 business days. XX/XX/XXXX I still have no card. When I contacted the company again I was told there is a " shortage of cards '' I have been paying my bill but have no access to my card.
05/14/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 78660
Web Servicemember
sent payment of {$60.00} and they cashed it. check number XXXX processing date is : XXXX. They say they never received payment. We have sent a letter from bank that the check cleared. This wasn't enough for them. We sent a copy of check. They still continue to say I have late payment. We have faxed/mailed this document 3 time already and they don't clear it up. We have called several times trying to resolve this issue. They have reported this to the credit bureau and have messed up my credit!
09/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77065
Web
I attempted to update the information and addresses on my credit report. However, I was blocked by each of the credit bureaus. When I called to update my report via telephone, I was informed by the bureau representative that XXXX XXXX and Indigo are the reason. They reporting a status of charge off each month and then closing the account. This is why I am not able to dispute the incorrect post office address portraying as a residential address that is currently in someone else 's possession.
03/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • KS
  • 671XX
Web
I have had this credit card for 4 years or so and never had an issue. I have not used it in awhile and when I log in it says my balance is 0 and no payment due. However I keep getting calls from them so I called them to find out and the agent said I'm a payment behind and I owe 200 plus dollars. I told him that it says my balance is 0 and that I paid off the card and shouldn't owe anything. He said idk ma'am. I said well can someone who knows tell me what is going on then??? He then hung up.
05/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75098
Web
TBOM RETAIL or Genesis Credit/Jared is reporting this account TWICE on my XXXX credit report. The account appears twice, and is duplicated in reporting. Please remove the duplicated reporting on my XXXX report. I have tried to get this corrected with TBOM Retail, however they referred me to XXXX XXXX to have this resolved. I've attached how the account is reporting on my credit reporting ( showing duplicated on XXXX ) I have attached the communication with TBOB Retail / Bank of Missouri
07/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IA
  • 500XX
Web
I called and closed my Indigo credit card account last XXXX shortly after I paid the annual fee for 2021. This year they are trying to charge me the fee again and have reported me to the credit bureaus as being 90 days late. How can I be 90 days late on an account that was closed a year ago? I dont know my account number due ro the fact the account has been closed for a year and I destroyed the card when the account was closed. All I can get is the first XXXX digits from my credit report.
03/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • SC
  • 293XX
Web Servicemember
Genesis FS Card I finally applied for this card with a {$700.00} limit over 2 months ago. I faxed them my photo ID and Social Security card over a month ago as requested. I called them for updates several times. Today, XXXX I spoke with a rep after I informed her that the same sort of offer came in my mail today and what was really going on with my personal information ans are they trying to scam and steal identities? I'm a XXXX XXXX veteran and will bring this up to my VA representative.
07/29/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MA
  • 02215
Web
I have XXXX credit cards from Genesis Financial Solutions ( XXXX XXXX XXXX credit cards ) that are charging me a 34 % Annual Fee ( both charge me {$99.00} per year annual fee on a {$300.00} limit ). According to your website ( XXXX ) the limit is 25 %. I've called the company a couple of times and they refuse to move on this. They also sent me mail with the gist of it being 'you signed the terms of service, so that's final '. I've argued that what they are doing is illegal, but no avail.
08/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77054
Web
XXXX XXXX is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA. The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.
05/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CA
  • XXXXX
Web
I signed up for credit protection, a agent told me I can either fill out the forms mailed to me or email documentation I'm off work. So I emailed documentation stating I'm on XXXX, yesterday the agent said the email was not recieved. I emailed the documentation 5x again yesterday and again today. I took a screen show of the successful email Sent today for my claims foXXXX XXXX XXXX XXXX. I'm also attaching the doctor 's note... I. asking the company to rwapond directly to this complaint
04/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75104
Web Servicemember
A payment was authorized on account with representative for balance and account ending XXXX. The representative processed payment without consent on a closed checking account not used in over XXXX year. Disputed this was authorized and requested to hear call based on requested by supervisor and refused to provide me call or transcript. This representative error caused my account to report XXXX days late on credit report. Requested this to be corrected and receiving run around/avoidance.
03/19/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • SC
  • 29440
Web
Someone opened a fradulant card in my name that is listed from Genesis FS. The card is from XXXX XXXX XXXX ending XXXX. It looks like the card was opened on XX/XX/2022. I am unsure of the amount. I called XXXX and spoke to an agent named XXXX who spoke very broken English. XXXX said that she could not transfer me to the fraud dept but would make a note on the account and that I needed to make a report with the Federal Trade Commision and then mail it to XXXX XXXX XXXXXXXX XXXX, OR XXXX.
10/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 186XX
Web
Are starting in XXXX I received a Robo calls from Genesis FS card services every day multiple calls a day Im attaching screenshots below of the year phone calls that Ive been left almost every day from different numbers via a Robo dialer that left voicemails I told them I would call them when I was not at work I told him I can not talk when Im at work because I work in XXXX yet they continued to allow their auto dialer call me multiple times a day upwards of 50 times a week at one point
04/19/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • WI
  • 53213
Web
On or about XX/XX/2022 I received an offer in the mail stating I was approved for a credit card with Milestone. The credit card offer states I have until XX/XX/2022 to accept a {$300.00} limit and approved until XX/XX/2022. I also have personal code that approved the application. On or about XX/XX/2022 I went in to enter my information to open the credit card and was denied. Than I tried again and was re-directed to a website called " XXXX '' which looks to be a furniture website.
12/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33860
Web
Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1.ZERO OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
11/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 314XX
Web Servicemember
I received a letter in the mail stating that " due to recent activity, a temporary block has been placed on the above referenced Destiny Mastercard. '' This is the first I have heard of this credit card and I did not ever apply for the Destiny Credit card. I logged on to check my credit report and the Destiny credit card is showing on there as well. A Balance of {$960.00} for Destiny Mastercard. I do not own a Destiny credit card and believe this was opened in fraudulent activity.
04/19/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 344XX
Web
On XX/XX/22 I was called by XXXX to supply the letter of which apartment complex I lived in for an address in XXXXXXXX XXXX. They were delivering a package that was ordered under my name from XXXX. I live in XXXXXXXX XXXX I called XXXX and they stated that my name was used and it was purchased with a genesis credit card. The email provided was different from mine. A week later, I received a bill in the mail from genesis fs card services for {$520.00}. I never opened this account.
04/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MA
  • 02140
Web
I was sent card in the mail from Milestone. I did not apply for this card and when I called to cancel it I was unable because I dont want to give my personal information in order to talk to someone I was OBLIGATED to give my Social Security number when I told them I will give them the card number and you can confirm what you have on file as I dont want to give out any more information to strangers I was told NO. I dont want this card or need this card. I need it cancelled ASAP.
08/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IL
  • XXXXX
Web
I applied for the XXXX Credit Card earlier this year, but once I received the card and read the terms, I decided not to take the card and never activated it. XXXX has been sending me monthly statement saying I owe them for an activation fee and for interest on the activation fee. They are now stating that I owe them {$9200.00}. I never activated the card or set up an account and to be able to send them any information online I have to set up an account, which I don't want to do.
06/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11225
Web
XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
11/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33578
Web
I satisfied my account with XXXX / Genesis on XX/XX/2022 through their attorney 's office XXXX XXXX XXXX. I have attempted multiple times to get a letter from XXXX / Genesis directly showing my account XXXX a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.
12/09/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 322XX
Web Servicemember
XX/XX/XXXX I spoke with the manager she told me I had to make a payment by XX/XX/XXXX to keep my account from getting charged off at least {$40.00} so I made a {$40.00} payment on XX/XX/XXXX, my husband passed away XX/XX/XXXX, so I was kind of late because life circumstances I want to make a payment and XXXX and they told me my account was charged off. My account was charged off illegally I was not 120 days past due. They reported it wrong on my credit report and I have proof.
07/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • IA
  • XXXXX
Web
I called today XX/XX/XXXX because I just recently logged into my account to check my balance and it says I have XXXX available credit... I asked the person on the phone why I had no credit and they said it's because my account was closed XX/XX/XXXX by my request... I do not recall ever calling in and so I asked to speak to a supervisor... The supervisor stated that I called in XX/XX/XXXX and closed the account due to low credit limit... I informed him that I never called in...
10/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95827
Web
While looking at my credit reports on XXXX, I noticed 4 hard inquiries on my report, that I had not applied for. I have been a victim of identity theft and I've made police reports, locked my credit report, with the 3 major credit companies, I've been working hard on keeping my credit good and to see this on my report is a eyesore. XXXX XXXX XXXX Feb/Destiny ( Bank ), XXXX XXXX XXXX CB INDIGO BANK XXXX XXXX XXXX XXXX XXXXMilestone Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73132
Web
Upon receiving copies of my credit report I found this debt under Indigo-Celtic Bank , XXXX XXXX XXXX XXXX , Genesis FS Card Services , and XXXX XXXX . I do not recognize any of these. I requested debt validation and was sent back a copy of statements where the charges were in another country. I have not visited another country, nor do I have a passport to do so. I tried sending the companies a letter explaining this and have gotten no response. This is a fraudulent account.
04/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AK
  • 99508
Web
on XXXX I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD XXXX breach I notice accounts being open in my name without my permission. the following accounts are not mine FEB/GFSCS-RETAIL XXXX XXXX XXXX XXXX XXXX
12/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29316
Web
In accordance with fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Feb-Retail XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
04/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92021
Web Servicemember
In accordance with the fair credit reporting act, this creditor XXXX - GENESIS RETAIL has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
12/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28348
Web Servicemember
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FEB Destiny, and CB Indigo have violated my rights. 15 USC 1681 Sections 602 States I have the right to privacy. 15 USC 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
03/19/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77354
Web Servicemember
Due to a COVID-19 income/hour loss I fell behind with some payments in XXXX. I entered into a payment agreement and stayed in contact with them throughout the entire process. The account is current, paid in full but showing 30, 60, 90 and 120 day late payments from XX/XX/XXXX to XX/XX/XXXX. I have called, emailed and written letters with no response. According to the CARES ACT these payments should be reversed and show as paid as agrees on all three of my credit reports.
10/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29203
Web
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
02/27/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • KY
  • 40216
Web
XXXX milestone card fee changed from {$25.00} to {$40.00} I complained and stated stop card, So they removed interest fee. So XXXX I requested a new card and they never sent one but demanded payment. I filed complaint with XXXXXXXX XXXX XXXXXXXX. And they claimed I don't request new card. But the conversation was recorded and now they say I owe {$80.00} but I don't have s card and I don't have a card number. Do I close the account are pay for a card they refuse to send?
05/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08081
Web
In accordance with fair credit reporting act XXXXXXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Feb destiny, has violated my rights. 15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90201
Web
In accordance with the fair credit Reporting act XXXX Account # milestone credit card account number # XXXX has violated My rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.
06/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77073
Web Older American
XXXX continues to report information on my address incorrect : I have never in life live at XXXX XXXX XXXX XXXX, XXXX XXXX, Il. XXXX XXXX and XXXX continues to report inaccurate credit card information probably at that address : XXXX and XXXX report accounts showing charged off that is not connected to me or my address. My address is : XXXX XXXX XXXX XXXX, Texas XXXX and my mailing address is and has been for the past 9 or ten years XXXX XXXX XXXX XXXX, Texas XXXX.
03/19/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MI
  • 480XX
Web
Multiple charges on my card from an XXXX account that was not my own. Charges at restaurants Ive never attended. Ive contacted the company multiple times and they just say it pending. They sent one letter saying to contact them and then denied my claim. If they truly invested they would see it wasnt my XXXX account that was used. Also was charged {$XXXX} annual fee that was never disclosed to me, when I called to try and cancel the card and refund my fee they refused.
02/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OK
  • 74066
Web
I called genesis card services becuase my destiny XXXX was lost/stolen, I was told they'd send a new card I never recieved it, so I called back I was assured i wouldn't need to make a payment until new card arrived and they issued a new card, it's now been 3 weeks and I haven't received it, I can't access the account to pay it without the new card and I called and they say u have to pay a late fee and they can't remove it even tho I can't access the account to pay it.
07/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80237
Web
im a victim of identity theft and ive been unable to resolve all this with the companies under my credit report theyve refused to remove this off my social security number i know my ssn is out right now being freely used and all i want is a new SSA. i dont have a bad ccredit score this isnt an attempt to escape my debt, in fact i dont have any debt i just have a lot of fraudulent accounts i never opened under my credit report. my name is XXXX XXXX XXXX my dob is XXXX
11/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77459
Web Servicemember
In accordance with the federal reporting credit act. This creditor has violated my rights. Under 15usc,1681 section 602 states I have the right to privacy, also 15usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor can not treat payment on a credit card under an open and consumer credit plan as late for any purpose. The creditor milestone has done this to me.
11/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • XXXXX
Web Older American
XXXX isn't reporting accurate information on this account. The last active and last reported dates are all inaccurate. The account is closed and has been since 2017. The credit bureau shows a payment history past the date of closure which does not exist. So the only company that could be misreporting this information is XXXX. Where else would the credit bureau get it from? They make mistakes but this is pretty big! I've filed a dispute with the credit bureau as well.
04/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • PA
  • 19401
Web
I reacted out to pay my past due balance, scheduled a payment for XXXX, due date is set for XXXX. I adored if I payed last than the amount due would I be charged a fee the representative I spoke to said no and he would remove the late fee charged for XXXX statement. There was a credit for the late fee the XXXX payment posted and I received a notice of statement for XXXX and have a late fee for XXXX. I paid before the cycle due date for XXXX how do I incur a late fee?
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93060
Web
I had a card with CB Indigo and I paid it off in XXXX of 2020. I didn't even have a balance on the card in XXXX or XXXX and they reported the account as late. They put some charge on the card for XXXX in XXXX and then reported me as late again in XXXX. I think it was some fee they charged on top of the outrageous interest rate. I tried to resolve this with them but then would not respond after saying they didn't agree but could not give me the documents I requested.
05/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19151
Web
In accordance with the Fair Credit Reporting Act, Genesis FS Card Service also known as Milestone has violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
04/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • MD
  • 20815
Web
Destiny XXXX ( Genesis FS Card Services ) has been sending bills for a card I never opened. The initial charge on the bill appears to be a processing fee for opening the account - bill amount with fees now {$87.00}. I searched the web and this scam appears to be common. I called to ask them to close the account and they claim that they are reporting it to their fraud department. I have my doubts. I do not want non-payment on this account to affect my credit score.
12/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28348
Web Servicemember
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX FEB Destiny, and CB Indigo have violated my rights. 15 USC 1681 Sections 602 States I have the right to privacy. 15 USC 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
05/04/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OR
  • 972XX
Web
A credit card was taken out my name unlawfully through Genesis FS card service XXXX XXXX XXXX XXXX XXXX XXXX the account number is ending in XXXX XXXX XXXX XXXX and I believe the company 's name is XXXX I did not apply for this credit card, I only found out about it when I received a bill/letter for {$75.00} for the annual fee and {$1.00} for the credit protection fees totaling {$76.00} in totality. I believe the car was taken out on XX/XX/22 but I could be wrong.
03/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48433
Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under [ 15 U.S.C. 1681 ] section 602 states I have the right to privacy [ 15 U.S.C. 1681 ] section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666 ( b ) ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48433
Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under [ 15 U.S.C. 1681 ] section 602 states I have the right to privacy [ 15 U.S.C. 1681 ] section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666 ( b ) ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21224
Web Servicemember
In accordance Act, this creditor has violated my rights under 15 U.S. Code 1681 Section 602 states I have the right to privacy. 15 US Code 1681 Section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX- {$490.00} XXXX XXXX XXXX
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30909
Web
There is a XXXX late payment on my credit reports with XXXX, XXXX, and XXXX for the month of XX/XX/2023, which should not be there, pursuant 15 USC 1681a 2 ( A ) ( i ). I am asking that this XXXX late payment be removed immediately before I seek litigation and pursue damages of {$1000.00} per occurrence. Please comply and remove this inaccurate information from my credit reports with XXXX, XXXX, and XXXX within 10 days from this dispute. Thanking you in advance!
03/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AR
  • 728XX
Web
My XXXX XXXX account sent emails asking about my new card. I did not apply for a new " XXXX '' credit card, nor heard of it. I called the card company and the account opened was under my ss # on XXXX. The card company closed the account and are doing an investigation for fraud. No charges were made using the card as per indigo. They recommended I file an official complaint and said the will mail me verification of closed account. They were very nice and helpful.
12/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 342XX
Web
APPLIED TO INDIGO ( XXXX ) AND XXXX ( XXXX ) AND XXXX XXXXXXXX CREDIT CARD AND SAID THEY ALL COULD NOT APPROVED UNABLE TO VERIFY MY IDENTITY. I TRIED TO SUPPLY INFORMATION TO ACCOMMODATE AND THEY SAID IT WAS TOO LATE AND RAISES ALARM WAS THAT THE REAL REASON AND ALLOWING ME TO FIX PROPERLY WITH THEM. OR ARE THEY JUST BEING DISCRIMINATING OR LIEING. THEY WOULD NOT GIVE NO MORE INFORMATION OR ALLOW ME TO CORRECT. FLORIDA FEDERAL BANKRUPTCY DISCARGE XX/XX/2021 2021
10/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95827
Web
While looking at my credit reports on XXXX, I noticed 4 hard inquiries on my report, that I had not applied for. I have been a victim of identity theft and I've made police reports, locked my credit report, with the 3 major credit companies, I've been working hard on keeping my credit good and to see this on my report is a eyesore. XX/XX/XXXX, Feb/Destiny ( Bank ), XX/XX/XXXX CB INDIGO BANK XXXX XX/XX/XXXX XXXX/Milestone Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 314XX
Web
This Person ( Genesis FS card services/ Destiny Mastercard ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
12/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 342XX
Web
APPLIED TO INDIGO ( XXXX ) AND DESTINY ( XXXX ) AND XXXX XXXX CREDIT CARD AND SAID THEY ALL COULD NOT APPROVED UNABLE TO VERIFY MY IDENTITY. I TRIED TO SUPPLY INFORMATION TO ACCOMMODATE AND THEY SAID IT WAS TOO LATE AND RAISES ALARM WAS THAT THE REAL REASON AND ALLOWING ME TO FIX PROPERLY WITH THEM. OR ARE THEY JUST BEING DISCRIMINATING OR LIEING. THEY WOULD NOT GIVE NO MORE INFORMATION OR ALLOW ME TO CORRECT. FLORIDA FEDERAL BANKRUPTCY DISCARGE XX/XX/2021 2021
09/13/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 16066
Web Servicemember
My account was closed and have to call to make payments. I called but they had a different card that was not aware was affiliated. This is no longer a revolving account and owed only {$120.00}. This has harmed my credit significantly and when I call I get treated like a non human being. Big banks have no issue charging late fees and reporting negative information to credit reporting without compassion or space to error. It is immoral and have get away with it.
04/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19144
Web Servicemember
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Date : XX/XX/2022 2022
04/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 61554
Web
I have a milestone credit card that I have never used and now I am being contacted by milestone stating I owe them money. For an additional card I don't have nor account information.I have a different fraudulent account and credit card NEVER USED. Doesn't make any sense, how would they allow a person to get XXXX of the same credit card? They know I'm a loyal customer so why would I get another card and mess up my credit while the card I have hasn't been used??
10/01/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • SD
  • 575XX
Web
On my milestone Mastercard account i did have credit protection and i see it was canceled due to non payments back in XXXX XXXX XXXX XXXX This past summer i was reduced to part time hours and took a major cut in my take home pay due to XXXX time hours. I seem to recall that i did ask about this when the XXXX was starting and wasn't given the right response to my questions about credit protection. I am however catching up on the missing payments as of now.
05/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • OH
  • 44312
Web
I, XXXX XXXX XXXX was reported as deceased as of XX/XX/2023 by Genesis Financial. Trying to get help from them has been beyond ridiculous and now creditors are sending estate letters via postal mail. I was verified as having no XXXX score anymore due to deceased status. My whole life literally has been wrecked! The girl stated my death was confirmed but it was not confirmed as I am alive and gave no death certificate ir obituary. I need help with this matter.
04/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19144
Web Servicemember
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Date : XX/XX/2022 2022
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32808
Web
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : Ot also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1668B : A creditor may not treat a payment on a credit xard account under an open end consumer credit plan as late for purpose.
04/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75063
Web
On XX/XX/2023, I received an unauthorized credit inquiry by Destiny a registered trademark of Genesis FS Card Services , Inc., without permission and without notifying me before authorizing the inquiry via phone as instructed nor did they perform their due diligence before gaining entrance to my credit report. XXXX Attachment 2 is regarding the second complaint about XXXX XXXX, Identity Theft collection of misrepresented information. Sincerely, XXXX XXXX
06/06/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • TN
  • 38583
Web
Spoke to customer service regarding credit card received that I did not apply for nor do I have any interest for credit card. There was approximately {$140.00} that was charged but it did not specify what the charge was. The gentleman I spoke with credited my so called credit card. About 2 weeks later I received a letter from Genesisfs card services requesting me to file an identity theft complaint and to provide Genesis a copy of the letter within 20 days.
08/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 630XX
Web
Hello I have contacted XXXX XXXX heHello I have which is the collection agent no wor of times to let them know that I do not owe this ive also contacted Genesis card services back on XX/XX/XXXX of 2021 to let them know that the card was open inaccurately I keep getting calls and emails from XXXX XXXX XXXX this has stopped me from getting the house because its showing in collection when this debt is not mines ive spent over a year trying to get this resolved
12/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78613
Web
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
11/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77021
Web Servicemember
XXXX, XXXX, XXXX, XXXX of 2023 In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • UT
  • 84084
Web Older American
XX/XX/XXXX XXXX credit card= never got card nor info advs to cancel i did not recived anything from them. called them and they said they will report to XXXX that i do not have an acct with them but they still pulled my credit report XX/XX/XXXX XXXX never applied for an acct but yet they pulled my credit report. try to call them but would not talk to me. i am trying to rebuild my credit and someone is applying for other accts i did not give permission.
09/01/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23831
Web
In accordance with the fair credit reporting act Destiny Mastercard Account # ending in XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for on purpose.
02/14/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 481XX
Web
Genesis credit has been notified that my balance with them should have been refunded in full because the merchandise I purchased, which was financed through them, was returned to the vendor. I spoke with one of their representatives in XXXX and explained the situation, and they told me the account would be closed, the money refunded, and reported as up to date with the credit bureaus. They never did this and have continued charging me fees and interest.
11/16/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 136XX
Web
I had a credit card opened fraudulently in XX/XX/XXXX. I called the company to inquire on this and report that it had been the result of identity theft. As a result, they closed the card XX/XX/2019. Unfortunately, they are still reporting a balance and, even though the account is closed, say I'm missing payments and dinging my credit report. I've tried making payments just so it doesn't report as late and ding my score, but they still keep reporting it.
08/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MN
  • 55109
Web
I made a payment of {$40.00} on XXXX received a confirmation. The cc company said it was returned on XXXX for an invalid account number, even though they verified it and gave me a confirmation. When I got notice on XXXX and called they said I could only pay {$80.00} now to avoid having additional fees applied. Having to pay {$80.00} is already additional fees. Then they told me I did not make my XXXX payment, which I did and have proof of that payment.
02/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IN
  • 468XX
Web
XXXX sent my account to collections. After failing to reach a live agent with them, I reached out to the new creditor, XXXX. I was told that in order to get XXXX removed from my account Id have to pay them ( XXXX ). Since XXXX was the newest debt between the XXXX, I decided to pay XXXX and disputed XXXX. Now XXXX has been removed from my all my credit reports and XXXX is still showing as a delinquent account even though I attempted to pay through them.
04/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • PA
  • 170XX
Web Older American
Received unsolicited credit card in late XXXX. Called immediately to let company know and asked to have the card cancelled. Did not activate the card. XX/XX/XXXX, received bill for annual fee and credit protection fees totaling {$76.00}. Called the card company again. They said they couldn't cancel the card unless we gave personal info that we did not want to give them. Milestone MasterCard Genesis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CT
  • 06606
Web
In accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX Account # 519570 & CB INDIGO/GF Account # 510004 has violated my rights. 15 USC 1681 Section 602 : States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer cant furnish my account without written consent. 15 USC 1666B : A creditor may not a payment on a credit card account XXXXXXXX an open end consumer credit plan as late for purpose.
07/05/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80910
Web
I HAVE NEVER BEEN 30 DAYS LATE, ON A PAYMENT, AS MILESTONE ( CREDIT CARD ) IS REPORTING. I HAVE REVIEWED MY PAST PAYMENTS, AND NONE WERE 30 DAYS LATE. FOR INSTANCE, MILESTONE IS STATING THAT MY XX/XX/2022 PAYMENT WAS 30 DAYS LATE ; I MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$60.00}. I ALSO MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$120.00}. MY XXXX PAYMENT WAS DUE ON XX/XX/XXXX. THE XX/XX/XXXX PAYMENT PAID THE PAYMENT DUE ON XX/XX/XXXX.
12/03/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 78229
Web
Since so to late XXXX ( XX/XX/XXXX ), I have been having issues making payment. Twice now and Ive spoken to someone 2-3 times since XX/XX/XXXX and yet to receive a call back from XXXX My account info has not been updated and told the two times I fixed prior to them saying theyd do it and call back, my account can not be found. High usage is being reported and I tried to payoff over a month ago. I got this card to build my credit, not take it down.
06/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • NY
  • 12078
Web
XXXX application approved XXXX sent out XXXX XXXX as a card was never received. XXXX states a card was mailed XXXX XXXX XXXX XXXX as a card was never received. Asked them to cancel account and remove from credit report completely as the account was never opened and/or activated. She states the account will be shown on my credit report even though it was never activated. This should not happen. It was fraudulent on the companies behalf in doing so.
09/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30736
Web
Indigo Credit Card. Got a card several years ago, never activated the card. Got it after my divorce, to have a line of credit to help my rebuild. Even though it was never activated, apparently I was charged {$99.00} dollars a year, that I wasn't aware of. Had to get new debit card, because old card number was hacked. So indigo was unable to process their {$99.00} dollars, and so now I have a hit on my credit score because of their immoral practices.
01/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • 30116
Web Servicemember
Genesis FS Card Services XXXX XXXX Credit Card has Dishonored a payment, placed a temporary block on my card and is taking adverse action, including denying me my my money. I've already filed an FCC complaint about harassment - and now they " paused '' my card for 14 days. I've attempted to cancel and I was simply put on a never ending hold. Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, GA XXXX
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30088
Web
In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agent can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89131
Web Servicemember
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 states I have the right to Privacy. 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89131
Web Servicemember
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 states I have the right to Privacy. 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
05/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • PA
  • 191XX
Web Older American
I was sent a Credit Card I didnt want and never activated. I dont recall ever applying for it either. Nevertheless, I have received a bill from them for {$75.00} annual fee charge. When I called them they basically said they didnt believe me and that unless I could provide evidence. How do I do that? What evidence is there that I could send them? This is the information for them : Genesis FS Card Services XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
04/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30344
Web
I submitted a complaint about this company because they were charging me interest for fraudulent charges and had not fully removed the fraudulent charges from my account. I refused to pay on this card because the creditor was not cooperating with me. I have a late payment on this account in XXXX of XXXX that was never removed even though they agreed they made a mistake via letter XX/XX/2022. Please remove this late payment from my credit reports.
03/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • XXXXX
Web
In accordance with the fair credit reporting act XXXX, Account numbers : XXXX, XXXX, XXXX, have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
07/05/2022 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85015
Web Servicemember
XXXX XXXX XXXX XXXX XXXX appearing on all three credit bureaus. Was disputed and updated on XXXX on XX/XX/2020, the other two bureaus soon followed with the reinvestigations returned as " paid charge off '', " {$0.00} amount owed ''. Now XXXX is trying to collect for approximately {$700.00} by phone. Have received no billing statements or other type of communication by mail. I wish for this closed account to be deleted from from my credit files.
05/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30106
Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, the following business has violated my rights. 15 USC1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan for a purpose. .
10/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33441
Web
In accordance with the Fair Credit Reporting act INDIGO XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
04/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 14227
Web
I have submitted minimum 3 disputes per account below through XXXX XXXX to XXXX XXXX and XXXX with no help. The following inquires are not mine, I have no knowledge of them : XXXX : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : XXXX XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}
10/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • DE
  • 199XX
Web Older American, Servicemember
My bank which is XXXXXXXX XXXX didn't honor a XXXX and XXXX dollar payment and because they didn't pay them as they should have this card company added XXXX dollars to my bill when the bill was only XXXX dollars went to XXXX dollars that I never used and the bill still should XXXX dollars they added the money the bank didn't pay to my bill which is crazy the credit limit is XXXX dollars how do I o them XXXX dollars when the bill is XXXX period.
11/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NC
  • 27262
Web
I received an email on XX/XX/XXXX stating that my account for Destiny XXXX has been registered. I never received a credit card nor opened an account with them. I called the company within XXXX minutes of receiving that email on XX/XX/XXXX, I spoke to a fraud department representative who I asked to close the account. She had asked me to follow up with the Federal Trade Comission. There is a XXXX dollar annual fee due. I did not open this card.
09/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30342
Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XXXX 2021. I have read enough to understand my rights. The XXXX Credit Bureau is attempting to violate this clear understanding. Please investigate thoroughly and please update for 100 % accuracy.
03/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 127XX
Web
In accordance with the Fair Credit Reporting Act, the companies listed below have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B states a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • PA
  • 195XX
Web
I tested positive for XXXX the end of XXXX and havent been able to work since. XXXX flared up severe joint pain to the point where I have trouble walking around at times. I contacted indigo regarding my credit card payments and I was having a hard time paying my bill, and they have not once worked with me. I just tried to call them again today and still they have no options for me. I am still unable to work at this time, and I have no income.
01/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 92545
Web
I opened a credit card on XX/XX/XXXX and am going to be charged XXXX dollars for a yearly fee. My question is why are they charging me up front and I will be charged again next XXXX. It's as if I'm getting charged twice for the first year. I didn't create an account or get my card until XX/XX/XXXX. I think they are doubling charging the fees for new customers and I'm probably not the first. Am I correct or wrong I'm just wondering. Thank you
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21113
Web
In accordance with the fair credit reporting Act " XXXX XXXX XXXX XXXX XXXX XXXX '' has violated my rights. Under 15USC1681 section 602 states I have the right to Privacy 15USC1681 section 604a section II states a consumer reporting agency can not furnish an account with my written instructions Under 15USC1666B states A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
12/08/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NY
  • 10128
Web Servicemember
XX/XX/2021 XX/XX/2021 {$2.00} INTEREST CHARGE PURCHASE XX/XX/2021 XX/XX/2021 {$40.00} LATE PAYMENT CHARGE XX/XX/2021 XX/XX/2021 {$99.00} ANNUAL FEE destiny credit card company charged me all the above fees, i never used this card after last payment i requested to close the card and now it is messing is up my credit score and when i called to close my card and to clear my charges. the company is not helping out its really a big SCAM going on
02/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 169XX
Web
There was a new credit card alert on my XXXX XXXX account, as I looked into this further, it is a credit card from a company called Destiny. I then a few weeks later received mail at my home to which this was a statement for this card. When I called the company and stated that my last name was NOT what was showing on this account card, they proceeded to argue with me. Then they told me to report it to the fraud department, identity theft.
10/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • FL
  • 34609
Web
Before 10 days ago I accidentaly opened a credit card called Milestone. I immediately after opening that credit card, called them and told them to close that account because I created it by accident. They told me that they closed the account but actually they didnt. I called them again after 3-4 days and they said the same thing and now that credit account is still open! Also they want me to pay XXXX $ that I never used that credit card!
06/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30058
Web
In accordance with the fair credit reporting act this credit institution or bank has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DC
  • 20009
Web
There were two separate accounts open under my name. I disputed the accounts with the original company who issued the credit. I was told that the information was going to be investigated. In my report only one account was closed but one still remains. XXXX refused to accept my dispute. I was not given the reason why they believe is mine when I told them I spoke to the company about this issue and they have agree to remove the ousting debt.
11/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • LA
  • 70817
Web Older American
XXXX XXXX reduced my credit availability due to an item on XXXX XXXX report. I contacted XXXX XXXX and discovered it was a Credit Card open on CB Indigo that had never been paid. The account is not mine and was opened without my knowledge. After contacting CB Indigo and alerting them of this fraud i understand that they wrote off the balance. The problem is that the account still shows being open with XXXX balance but still in my name.
07/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 710XX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX purpose. XXXX
06/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 314XX
Web
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • XXXXX
Web
In accordance to the Federal Credit Reporting Act this creditor has violated my rights under 15 u.s.c 1681 section 602 states I have the right to privacy. 15 u.s.c 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 u.s.c 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WV
  • 263XX
Web
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19139
Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95834
Web
In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75074
Web
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
01/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31069
Web Servicemember
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
09/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AR
  • 718XX
Web Older American
My Daughter came in this summer she got in my mail and opened XXXX credit cards in my name on my phone. I have received XXXX bills I have no idea where they came from but she has done this to my XXXX XXXX XXXX Mother before so I know this is what happened. She is XXXX I am raising her XXXX XXXX XXXX son the other XXXX boys are with some of my family. She has no address no number I couldnt begin to find her. Thank You Kindly, XXXX XXXX
05/17/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 377XX
Web
A credit card company Destiny is reporting an open account with a balance due and I have not activated this credit card and the charges they are posting is a yearly fee that I refuse to pay because I do not want this credit card. I have not activated or ever used the card, I disputed this account with XXXX and there updated investigation shows no change to my report and this account is still showing now with a XXXX dollar late fee added
04/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30238
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose. 4741
02/23/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 11228
Web
XXXX and XXXX opened a Genesis Financial Services account when I was purchasing furniture I had a account already with XXXX so Im not sure why they opened the second account but I disputed with credit bureaus and it was closed in XXXX but reopened by Genesis in XXXX I have disputed 3x with credit bureaus but Genesis XXXX rains the account When I call Genesis they tell me its closed but its still o my credit report as open for {$4000.00}
11/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NC
  • 27302
Web
XX/XX/XXXX I received email saying payment is due. I dont use the credit card I sign into the account and notice it has fraud transactions from XXXX so I reached to indigo and explained the situation they said they would dispute and have to investigate that it wasnt me. It continue to show Im over my limit on my credit and it impacts my credit and credit score when explaining that to them they just apologize and say they looking into it
04/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32953
Web
In accordance with the fair credit reporting act XXXX Account # # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer REPORTING AGENCY CAN NOT Furnish an account without my written instructions. 15USC 1666B : a creditor may not treat a payment on an credit card account under an open end consumer credit plan as late for any purpose.
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30058
Web Servicemember
In accordance with the fair credit Reporting Act : XXXXXXXXGENESIS RETAIL XXXX XXXX GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states a consumer furnish an account without any written instructions. 15 1666B : A creditor may not treat a payment on a credit card account under an open - end consumer credit plan as late for any purpose.
09/27/2023 Yes
  • Credit card
  • Store credit card
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01109
Web
In accordance with the fair credit reporting act,, theres creditor has violated my right under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 441XX
Web
In accordance With the fair credit reporting Act this creditor has violated my rights under 15 USC 1681. Section 602 States I have the right to privacy. 15 USC 1681 section 604a section 2 It also states that a consumer Reporting agency Can not furnish an Account without my written instructions under 15 USCs 1666b A creditor may not treat a payment on a credit card Account under an Open end consumer Credit plan As late for any purpose.
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10550
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33544
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75024
Web Servicemember
I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies CB INDIGO Account Number:XXXX 15 U.S.C 168 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
08/20/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 91776
Web Older American
Account with Milestone was fully paid off and closed with a XXXX balance on XX/XX/XXXX of 2022. Milestone has reported me as being 90 days delinquent and now claim I owe them {$190.00}. Small claims can not be filed against them because they are not registered in the state of California. Why is Milestone allowed to continue to bill me after the account has been fully closed? Please tell them to close it out again with a XXXX balance.
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29073
Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23231
Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38109
Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plans as late for and purpose.
08/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 115XX
Web
In accordance with the Fair Credit Reporting act Genesis FS Indigo Card violated my rights. 15 U.S.C 1631 section 602 A. States I have the rights to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. [
05/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • WI
  • 54952
Web
I received a bill with a XXXX XXXX yearly fee dated XX/XX/23 plus interest from Genesis FS card services, XXXX, GA. Its a Destiny credit card. I didnt get a charge card, just the bill. I called to report the fraud and close the account. The woman said I could report the fraud to you, but it would take 60 days to process the complaint. I instructed her to immediately close the account. I dont know how they got my name and address.
02/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76262
Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6O4A Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 91321
Web
On XX/XX/2022 I noticed the credit card company for Indigo card was charging me Credit Protection Fees since XX/XX/2022 when I opened the account. I did not sign for this service. I spoke to the company and they refused to give my money back for these charges which is a total of {$50.00} which had monthly increased. Thank you very much for your help on this. It is not correct to pay for a service I did not sign for. Regards,
11/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 761XX
Web Servicemember
They add fees ( late fees, over limit, nsf ) to the minimum payment instead of you balance increasing you minimum payment. This cause payments to be missed and negative credit reporting when you can't afford to pay the very high minimum payment. This in my situation has caused me to close these cards and pay balance to payoff card..but they are still charging fees and interest when the accounts are closed. These cards are predatory.
07/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 14043
Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/19/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75052
Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07104
Web
In accordance with the fair credit reporting act XXXX acount # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NJ
  • 08046
Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open end consumer credit plan as late for any purpose.
04/27/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08054
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08054
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07104
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
06/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35215
Web
In accordance with the fair act credit reporting act XXXX account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the rights of privacy. 15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • SD
  • 57104
Web
XXXX XXXX XXXX XXXX is trying to collect on a discharged debt from XXXX. Ive asked for information to be sent to me regarding account over 60 days ago and still have not received the information request. Also asked that the remove the derogatory marking on credit report and they refused to do so. Ive also disputed this with all 3 credit bureaus and they keep saying we verified the information as accurate with the collection agency.
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45805
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 086XX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
10/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19119
Web
In accordance with the FAIR CREDIT REPORTING ACT XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
09/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MN
  • 554XX
Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/07/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11225
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/29/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29440
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for an purpose.
05/19/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35401
Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MO
  • 640XX
Web
XX/XX/2023 at XXXX, I called Genesis FS Card Services to close this account that I never signed up for. Before even talking to an agent, I was asked for my last 4 digits of my Social Security number, when I said I would like to talk to an agent I was asked for all 9 digits of my social security. When I finally got on the phone with an agent, I refused to give them personal information and was put on hold and eventually hung up on.
03/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48505
Web Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48505
Web Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/07/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 44105
Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • IL
  • 60644
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
09/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • IL
  • 60644
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
09/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 756XX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53209
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11706
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30281
Web
In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85138
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 72120
Web
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 94
02/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CO
  • 80915
Web Servicemember
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 79407
Web
In accordance with the fair credit reporting act XXXX account, has violated my rights. 15 USC 1681 Section 602 Staes I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19151
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32811
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. + 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for propose.
09/07/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 44105
Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/06/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39120
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without any written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • XXXXX
Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
04/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10030
Web
In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions 15 use 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28451
Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without any written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 76018
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States. Have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
04/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78253
Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC1681 section 602 States I have the right to privacy. 15 USC 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11434
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • AL
  • 366XX
Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
11/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78230
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
09/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45458
Web
In accordance with the fair credit reporting act, XXXX account, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30122
Web Servicemember
In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 114XX
Web
Hello, Gensis ( Milestone bank ) have a late payment on my account which is incorrect. The account was closed a month or so after I opened it. I called because a late payment showed on my credit report, they cleared the balance to {$0.00} and sent me a letter saying now the account is closed but did not remove it off my credit report. The late payment should not be on my credit report because the account should have been closed.
05/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 94531
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 237XX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
02/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • XXXXX
Web
My account with CB INDIGO, account number is XXXX, should have no 30 days late on the month of XXXX to XX/XX/2021 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to both Bureaus and Creditor were neglected. This should be corrected immediately.
07/11/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • PA
  • 19018
Web
I received an email from who I thought was Milestone Mastercard ( whom Ive had a card with before ) and it was for an offer of {$700.00} credit limit so I applied with personal info. After applying I realized the website was redirected to two other sketchy websites and after inspecting the original email closer, I realized the email was indeed fraudulent. So now I am worried about my social security number being used for fraud.
10/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76205
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • MD
  • 21215
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has validated my rights 15 USC 1681Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section:2 It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TN
  • 37415
Web
Indigo card services issued me a credit card I applied for to try to fix my credit. For the second time now I have paid online with my banking card, the payment does not go through despite money being in the account. Seems like they are waiting until there are insufficient funds on the account to process the payment so they may collect late fees. Upon contacting the company they simply say insufficient funds, nothing we can do.
01/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • XXXXX
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on XXXX INDIGO/GF. Per FCRA, reporting must be 100 % accurate or the information must be deleted. XXXX INDIGO/GF XXXX Balance {$0.00}
03/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 22204
Web
In accordance with the fair credit reporting act XXXX account # XXXX, has Violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
02/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85085
Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states, a creditor can not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
02/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76108
Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
12/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32905
Web Servicemember
In accordance with the fair credit Reporting Act CB Indigo act # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
07/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • RI
  • 028XX
Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not finish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60618
Web
In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 756XX
Web Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
02/14/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28540
Web
I have contacted this company over the years about this debt asking them to prove this account belongs to me never send a letter verifying this is my account also sold this account to another lender send request in XX/XX/XXXX 2021.these are the requested items from company 1.original contract with my signature 2.payoff disclosure 3.interest 4.balance history 5.payment history 6.credit insurance Never received this information
04/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32953
Web
In accordance With the fair credit reporting act XXXX account number XXXX has violated by Rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.
09/22/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95621
Web
I am a victim of identity theft/mail fraud as of XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CB INDIGO/GF absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
11/03/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • LA
  • 70817
Web
I checked my consumer report one morning and notice a collections was on my report. I never been notified of the account so I reached out to them via mail with a validation letter of the debt they say I owe on XX/XX/21 certified with a return receipt. The company received the mail XX/XX/21. I received a response from Genesis FS card services XX/XX/21 stating they are unable to locate an account with the information provided.
02/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • MN
  • 55112
Web Servicemember
In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
12/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 464XX
Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • XXXXX
Web
In accordance With fair Credit Reporting act, XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 704XX
Web Servicemember
In accordance with the fair credit reporting act XXXX accounts, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
08/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10467
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purpose.
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 704XX
Web Servicemember
In accordance with the fair credit reporting act XXXX accounts, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
05/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48340
Web
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
05/16/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33020
Web
In accordance with the fair credit Reporting act CB INDIGO, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 329XX
Web
I recently disputes this fraudulent account on my credit report and sent in my FTC Identity Theft Affidavit as well as a police report and this company failed to verify and remove this account from my credit reports. I want them to REMOVE these accounts immediately due to them not belonging to me. They can not show me a I.D . Or signature that belongs to me yet they are sending this back to the credit bureaus as verified.
10/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 303XX
Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
06/29/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • OR
  • 978XX
Web
I canceled my two cards I have with Genesis fs card services XXXX XXXX XXXX XXXX. OR XXXX In XX/XX/2022 because of the high payments and after trying to get a lower payment I decided I cancel my cards and I was told I would not get charged any interest or fees but that was a lie I made a half a payment in XXXX and they said as long as I made my full XXXX dollar payment in XXXX I would be all up to date that was a lie too
12/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NC
  • 28226
Web
Genesis FS Card Services offered me to close my account for a payment of XXXX dollars and to lower my interest rate to 0.00 Apr once closed and to only charge 2 % minimum to keep as hardship program and to keep this from negative reporting they have taken the XXXX dollars to start the program but actually never sent me anything on the program. And I am at a point to sue. In small claims as this is not a large charge card
05/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90027
Web
In Accordance with the fair credit reporting act XXXXXXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
08/26/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 71457
Web
In accordance with the fair credit reporting act XXXX Account XXXX, has violted my rights 15 USC 1681 Sections 602 States I have the right to privacy 15 USC 1681 Section 604 States 2 : It also states a consumer reporting agency can not furnisha account without my wriiten instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
07/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60619
Web
In accordance with the fair credit reporting act Indigo credit card has violated my rights 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
09/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 338XX
Web
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor ay not tdreat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • SC
  • 295XX
Web
The Indigo XXXX XXXX I was sent a pre approval. I accepted the card and never received the card. Ive called the company XXXX XXXX asking when the card would arrive and no one would tell me when it would come. Its been a XXXX waiting for it to arrive and inside this month theyve sent multiple letters to my address but not my card. They sent a bill and filed it on my credit report, yet the card was never delivered to me
09/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 38401
Web Servicemember
Genesis FS Card has called me XXXX XXXX times in the last XXXX days. They called me XXXX of those times on Saturday, XX/XX/XXXX. I have already asked them on numerous occasions to stop calling me and have blocked them each time they have called since then. They are using a different number each time they call and have used spoofed numbers with my area code and neighboring area codes in an attempt to get me to respond.
05/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • OR
  • XXXXX
Web Older American
Company advertised a XXXX XXXX XXXX XXXX XXXX with a XXXX dollar card credit line once the XXXX dollar fee was paid making the total XXXX XXXX XXXX XXXX. I used up the XXXX without paying the XXXX fee and recently paid off entire card. I was under the assumption that this was a secured credit card by using my XXXX fee which I never met. This is deceptive practices and should stop deceiving customers with this approach
01/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30349
Web
I disputed these charges as fraud and they are reporting this balance to the credit reporting companies and asking me pay on this every mi th claiming they are investigating but this has been since XXXX thr charges and they are moving very slow if not at all. There needs to be some resolution but they will not provide any when I call or write so here is a formal complaint to see if they will adhere to the consumer law
07/07/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 514XX
Web
I applied for a milestone MasterCard on XX/XX/2022 and got denied because they said that I had poor performance on another card with the same creditor but nothing about already having a milestone MasterCard. I then received a email on XX/XX/2022 stating that I was in collections for a Genesis FS cards services. I never took out a milestone MasterCard and I've disputed with the collection agency. This debt is not mine!
04/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 530XX
Web
Milestone reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. I have filed disputes with all 3 bureaus several weeks ago and Milestone didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. Attached is proof of my balance being XXXX.
08/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75081
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
01/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29506
Web
In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681section 604 a section 2 also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USCS 166b, a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
05/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27104
Web
In accordance with the fair credit reporting act XXXX account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
05/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27104
Web
In accordance with the fair credit reporting act XXXX account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
08/26/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • SC
  • 29646
Web
I applied for Destiny Card. About 2-3 months ago. It was declined because the XXXX or XXXX report was locked. I applied because it was recommended card. I had called the Destiny Card people 3 or 4 times and she couldn't tell me anything. I am client and user of services with XXXX XXXX XXXX. But XXXX kept giving me Same excuse. And never heard anything back about it. It's a card for people with certain credit score.
03/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 394XX
Web
In accordance with fair credit reporting act XXXX account # XXXX has validated my rights 15 USC 1681 section 602 states I have rights to privacy 15 USC 1681 section 604 a section 2 it also states consumer reporting agency can not furnish in account without my written instructions 15 USC 1666B : A creditor may not treat my payment on credit card account under an open end consumer credit plan as late for any purpose.
03/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 272XX
Web
XXXX XXXX XXXX account was closed. Did not contact me on the fact there as a interest payment in this account so was closed and they keep reporting to agency as past due and was not. I was not informed via nothing letting me know of it being late credit companies did not investigate properly or this would still not be on my report. Hence violated my right under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681
12/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31906
Web
In accordance with the fair credit reporting act XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
10/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11203
Web
In accordance with fair credit report act this Creditor has violated my rights under 15 U.S.C. 1681 sec 602 states I have the right to privacy,15 U.S.C . 1681 sec 604A sec 2 it also states A Consumer reporting agency can not furnish an account without my written instructions, under 15 U.S.C. 1666B A creditor may not treat a payment on a credit report account under an open end consumer plan as late for any purpose.
06/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NM
  • 87110
Web Older American
Genesis FS Card Services XXXX XXXX XXXX. I have been disputing this card for over XXXX years. I told the company I never received the card and they had taken it off my credit reports. I just got in the mail a day ago that this account ended in XXXX and was sold to a third party XXXX associate 's phone number is XXXX. I tried calling and did not talk to a representative. I have been having trouble for a long time.
12/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IN
  • 46383
Web Servicemember
I told the initial caller roughly XXXX weeks ago to stop calling. I discontinued their credit card. For XXXX weeks I have received 7-9 calls a day with a XXXX from each call. On XX/XX/22 from exactly XXXX to XXXX I received XXXX documented calls all leaving a XXXX of roughly XXXX seconds each. This is the definition of creditor harassment. Indigo XXXX is more like a loan shark the a legitimate credit card company.
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32726
Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC Section 1681 Section 604 A Section 2 : It also states a consumer to furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
05/27/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 170XX
Web Servicemember
Today, XX/XX/23 I received a bill in the mail from XXXX XXXX XXXX XXXX Home Depot. It indicates that I opened an account and have a balance of XXXX. The purchase was made in XXXX NJ and I live in PA. The account number for this fraudulent account is XXXX This is the second occurrence of fraudulent account activity at Home Depot, charges from the same city were made on my existing Home Depot account with Citi Bank
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19145
Web
In accordance with the fair credit Reporting act XXXX Account # has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
03/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36116
Web
In accordance with the fair credit Reporting act my rights has been violated. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 11434
Web
Someone stole my identity to open a credit card with Genesis FS card services. XXXX XXXX XXXX XXXX XXXX XXXX I received a notice in the mail RE : XXXX XXXX XXXX @ Account ending in XXXX. I have never owned or received a Milestone credit card. The letter mentioned having to pay {$49.00} anual fee and a monthly fee of {$12.00}. Please, I would appreciate an investigation into this matter. Sincerely XXXX XXXX.
09/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • WI
  • 53224
Web
XXXX credit card never sent me proper notification of the annual fee like I requested but instead charged me a late fee for an annual fee I was not notified of, when I called the bank to have the annual fee removed the customer service persona was rude and unhelpful. I do not feel there should be a late fee on an annual fee. they are predatory lenders and taking advantage of people with bad credit or low credit.
10/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 452XX
Web
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
10/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45042
Web
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
10/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20877
Web Servicemember
In accordance with the Fair Credit Reporting Act, creditors have violated my rights under 15 U.S.C 1681 SEC 602 states 'I have the rights to privacy ''. 15 U.S.C 1681 SEC 604a SEC 2 " A consumer report agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
10/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44122
Web
in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy 15 usc 1681 section 604 A section 2 it also states a comsumer reporting agency can not furnish my account without my written instructions. Under 15 usc 1666 B a creditor may not treat a payment on a credit card account under and open consumer credit plan as late.
03/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28262
Web
In accordance with the Fair Credit reporting act, this company has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Sction2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 366XX
Web
In accordance with the fair credit reporting act XXXX, has violated my rights 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting angency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.
11/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • NC
  • 27610
Web
XX/XX/2022 i received a credit card for activation. When I went to the app it shows a third card awaiting activation with a service fee. I called them and told them I didnt authorize another card to be sent to me. They informed me that I have to pay the fee. I told them i didnt sign up for a new card and I wont pay this fee. They cancelled the card and informed me that this will be reported to the credit bureau
10/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OR
  • 97030
Web
On XX/XX/2022 I received an alert on XXXX XXXX account stating I had a hard inquiry from a company call XXXX XXXX Further investigating I called the company Genesis Financial Solutions giving my personal identity to see if they can find me in their system. No one could help me so I decided to file a complaint with XXXX XXXX XXXX I would like this hard inquiry removed from my account due to fraudulent activity.
08/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 44105
Web
I did apply for an indigo card back in XX/XX/2022. I never received the card I received a statement stating I owed {$120.00}. I called the company and told them I never received the card they said there was going to send me another one they never did I received another bill for {$130.00} I have never touched this card I have never used it I have never received it I never activated it I do not owe them anything.
10/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19139
Web
On XX/XX/ Ive noticed this card from milestone on my credit report never seen a card from them a day in life my identity has been stolen for almost 16 years now I have freezes on all my credit reports .their reporting an XXXX usage of a card never seen the card never got the card its soo bad that Ive never heard of the card or the stores the cards was used at but I digress. I just want this off my credit report
08/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 295XX
Web
In accordance with the fair credit reporting act this creditor has violated my rights, under 15USC 1681section 602 states I have the right to privacy 15USC 1681 section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
02/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • DE
  • 19701
Web
Milestone credit card placed a late payment on my credit report. My late payment was due to me being XXXX XXXX XXXX and I inadvertently missed a payment. Since this complaint, I have paid the account and the credit card is almost paid done to XXXX. I am asking that Milestone delete the late payment from my credit report since I have never been late paying them in the pass. Thank you for your consideration.
12/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 43227
Web
In accordance with the fair credit reporting act XXXX XXXX # XXXX as violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency cant furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
09/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 482XX
Web
Robo dialer calling me repeatedly 50 times in a row. Constantly calling over and over and over again. Without stopping. I've had to turn my phone off. And I've blocked the number and it still calls. Even after speaking to them it continues. Calls come at all hours of the day, early morning, midday, late night, doesn't matter, but it's almost always at least 20-60 times a day, every day for the last 2 months.
02/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MA
  • 01752
Web
I proactively paid my XXXX bill on the XXXX of the month. However, this evening I received a notice that my statement was ready. When I looked at it, the payment had been applied but not to the minimum due. The payment is also due TOMORROW. I already paid more than my monthly payment, and they told me I have another payment due that must be submitted within 24 hours or I will incur a late fee. This a scam.
01/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55123
Web
In accordance with the fair Credit Reporting act CB Indigo has violated my rights. ! 5 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95206
Web
In accordance with fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 603 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose
11/21/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • 401XX
Web
I made a payment for {$510.00} on XX/XX/XXXX. Since then I have spoke to the company in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX to report that the payment was received and accepted by the company but not applied to my balance. I submitted documents that supported this claim. My credit card is frozen, and my account is reported to my credit report as delinquent despite this not being the case.
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23607
Web Older American, Servicemember
Adverse Action Notice, action taken affection credit request or existing credit. False I didn't ask for XXXX. Consumer laws broken 1691 ( d ) ( 1 ) Serious Delinquency The proportion of Balance to High Credit on Bank Revolving or all Revolving Accounts Number of Accounts with Delinquency Time since Delinquency is too recent or unknown Too many inquiries last 12 months All this information is on my records
08/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • GA
  • 31907
Web
Paid the balance of my account and asked for an Updated Balance Letter to be sent to me and was informed that they could fax it to me. Have reached out to them for 2 weeks now and havent received the letter. Have been told various stories, to include that it takes 1 to 2 business days, and 5 to 7 business days yet no resolution. Customer service keep saying they have emailed whoever and yet no resolution.
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28215
Web
In accordance with the fair credit reporting act XXXX have violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
02/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • TX
  • 76244
Web
The milestone credit card lied about which bank they were associated with, paid to remove negative postings online and placement of actual information and has taken double. I paid the card off and made all payments. A XXXX card after years of not using it I've paid XXXX dollars plus with the balance changing day by day and the information about my account changing on a whim. It isn't right. Please help.
07/18/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 815XX
Web
My credit card was used for multiple purchases, at {$50.00} a time until that person has hit my max. They have determined that the charges are fraudulent but it takes times to correct. In the meantime it got reported to the credit bureau that I am not paying my bill. But it was fraudulent use of my credit card and they said they would fix it. I need this removed from my credit report please. Thank you.
04/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MA
  • XXXXX
Web
This is Identity theft. The XXXX XXXX XXXX XXXX Milestone through Genesis FS card Services. I did not applied for this card. I did not make these charges of {$810.00} Someone has my information and used it to open this account. Please close this account. Lenders info Genesis, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I have reported this credit card to The Federal Trade Commission on XXXX XXXX
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75067
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, 15 USC 1681 Section 602 StatesI have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a. consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payments on a credit card account under an open end consumer credit plan as a late purpose
12/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 721XX
Web Older American, Servicemember
I have a charged off account that does not belong to me. I did not authorize it nor did I authorize someone to open the account under my name. I have many accounts opened under my name and this one appears to have been opened by the same person. I have filed a police report and FTC. I have submitted everything to Gensis and can not get any assistance to remove this. I am reaching out to you for help.
11/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 06704
Web
Indigo credit card has 2 accounts listed reporting negatively on my reports impacting my scores negatively. Indigo has 1 account listed as closed because the card was lost prior to me ever receiving it in the beginning and after reissuing the card created a second account on my report and is now reporting negatively showing late payments when the card has been paid in full and has not been paid late.
05/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MD
  • 21030
Web
I received a letter from Genesis Financial Service regarding my account being blocked due to change of address request. I contacted them and informed them that I did not open this account and reported fraud. They advised me to contact the FTC and register a complaint in the meantime they would close the account and investigate the fraudulent account. There was a charge made for XXXX to this account.
01/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 45245
Web
Date : XX/XX/XXXX amount : {$60.00} Date : XX/XX/XXXX Amount : {$76.00} Called the company on XX/XX/XXXX, to discuss credit card bills that I did not open. There were two different credit cards with the same company. Company told me to report it to www.identitytheft.gov. I was told not to pay anything. I am worried that someone out there has my information to open credit cards and destroy my credit.
12/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90710
Web
XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft XXXX XXXX XXXX XXXX XXXX disputed through XXXX as fraudulent/ identity theft
08/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 331XX
Web
On XX/XX/2022. I checked my credit report on XXXX XXXX and saw an account that I've never seen before. the way if shows on XXXX XXXX is : FEB-RETAIL Credit Limit {$4000.00} Opened XXXX XXXX FEB-RETAIL XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX This is not my account I never opened it. This is Identity theft. I lost XXXX points on my credit report because of it. It needs to get restored.
12/31/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 52722
Web
I RECEIVED A NOTICE FOR A SMALL CLAIMS JUDGEMENT, I DID NOT RECEIVE ANY NOTICE FROM THIS COLLECTION AGENCY, I CALLED THEM TO TALK ABOUT THE DEBT, AND ASK TRIED TO SET UP A PAYMENT PLAN THAT WOULD STOP THE JUDGEMENT, BUT THEY WHERE UNWILLING TO WORK WITH ME EVEN THOUGH I WAS WILLING TO SET UP A PAYMENT PLAN ON THAT CALL. THEY SAID THAT THEY SENT A COUPLE OF LETTERS AND WENT RIGHT TO TRYING TO SUE.
07/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 30152
Web
Genesis FS Card Services has falsely and, in my opinion fraudulently, claimed on XX/XX/2023 that a payment to my account was rejected by my bank. They provided zero evidence for this and indeed my bank shows no attempt to actually make such a charge. The company has flat out lied in order to charge me a fee. They provided no evidence of their claims, they simply lied in order to charge me a fee.
03/05/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CO
  • 81001
Web Servicemember
I pay my " Milestone and Indigo Credit Cards '' on time every month. Now, they will not credit my account for 16 days even though the money was taken out of my bank account. So, by waiting 16 days they can charge over-limit fees and higher interest rates. When I pay my monthly bills I pay via computer. So, I know everything is instanteous. Is this some new scam to make more money from customers?
07/29/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MI
  • 48223
Web
I have a card with indigo genesis the card was charged back in XXXX however they said it would be returned to me but has yet to be returned meanwhile Im still responsible for the bill and my interest Ive talked with several different people and no one can help they keep say within 10 business days I will receive my refund but I never do here it is about to be XXXX and nothing has been refunded.
01/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 91776
Web Older American
Received credit card from Milestone on XX/XX/2022. Found out there was an annual fee for {$170.00}. This same company has XXXX similar cards that charges a {$75.00} annual fee but when I applied I presumed there would be no annual fee because this was not disclosed on the application. When I tried to close the account on the same day I was told that it was impossible to do so. This is a scam.
11/02/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WI
  • 537XX
Web
I paid my full amount due on XX/XX/XXXX to my Indigo Mastercard, no late payment, the payment is posted, bothe on the card and from my checking account, but I have no available credit through the card yet. The website says payments posted take 24 hours and they said it will take up to 14 business days for my credit to be available. I have other credit cards and they post within 2 days at most.
05/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NJ
  • 08724
Web
I received mail telling me about a credit card that I did not open. The card was issued by genesisfs card services in XXXX, 2023. I called but could not get to speak to a person. Looking at my credit report I see that the card is listed. I have not signed up for this card. I have never received this card. I do not want this card. I want this card abolished and removed from my credit record.
07/04/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30281
Web
I did not authorize my information to be shared 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment Consumer law
11/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 283XX
Web
I just recently received a copy of my credit report and noticed late payments reported from your company I have never been late with a payment event during covid I enjoy being apart of your business family an I am requesting these dates be updated please XX/XX/XXXX and XX/XX/XXXX I have tried several times to contact you in regards to this matter and haven't heard back thank you for your time
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29445
Web
I have a hard inquiry from XXXX Inquiry : XXXX XXXX, 2022 - Bank ( XXXX ) XXXX Identify theft Ive called and told them someone fraudulent open this account they said they would remove the hard inquiry 3 months ago and still havent I need it off immediately its negatively affecting my credit Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/26/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 122XX
Web Servicemember
XXXX Discrimination & XXXX in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681.
01/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MA
  • 01108
Web
I used this credit card to help Build my credit It was only valid for 2 year after it expired I destroyed the card and never reapplied a year later I start getting billed for a credit line I didnt know Was still active ..cause I never reapplied and didnt have a Physical card I called them to explain,,, they apparently closed my account now my credit is suffering and Ill still being billed!!
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • MO
  • 641XX
Web
I attempted to pre-qualify for a credit card with XXXX XXXX XXXX XXXX secured credit card I was informed that there is suspicious and fraud associated with my personal information with identity theft issues names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX phone # ( XXXX ) XXXX XXXX XXXX XXXX email XXXX Thank you
02/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IA
  • 514XX
Web
I called destiny and made a payment for {$260.00} and closed my account. I received a confirmation email. I woke up this morning to see the payment was processed XXXX!! The representative said its my fault and I could possibly get the money back if they approved it. Ive had both but issues with this company. I have a son who has a XXXXXXXX XXXX XXXX XXXX XXXX and Im financially struggling.
03/09/2022 No
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • DE
  • 19805
Web
In XXXX I have been attempting to pay my debt off.. But every time they call they cant say that they can not except the payment I asked to speak to a supervisor in a place me on hold and tell me a supervisor will call me back they never called me back. And all I wan na do is just pay this that off and get it off my credit report but theyre not letting me or accepting my account information
12/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33433
Web
XXXX I started to get vice messages about and outstanding bill from a company called GenesisFS card services. XXXX XXXX I them and found out that they have an outstanding balance on a credit card but they figured out that it was fraudulent. They told me to report it to Federal Trade Commission and send them a copy of the report. Re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37214
Web
On XX/XX/2023, a hard inquiry showed up on my XXXX report from " FEB/Destiny bank . '' Their phone # shown was XXXX, which is an invalid phone #. The number listed on the web is XXXX, but I can not reach a real person to address this fraud. I have NOT applied for any card or credit from this company. This company MUST immediately contact me and STOP this unauthorized credit application.!
03/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 167XX
Web
Received a credit card statement on XX/XX/2023 for a card I do not own. Its a Milestone Mastercard. The addresses on the statement are : Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX and Genesis FS Card Services XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX ( XXXX ) XXXX Claims I owe {$35.00} Company want my full SS #, which I refused to give. They told me to file a complaint here.
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92374
Web
I am a victim of identity theft. I am requesting inquiries to be deleted off my report as they are unauthorized and not made by me. I have attached supporting documents then my identity has been stolen and I am in the process of recovering and clearing it out.I have reports from XXXX XXXX XXXX also froma submission sent in to the FBI about my accounts getting hacked and stolen funds.
03/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • CA
  • 92122
Web Older American
I received a statement from Destiny FS Card Services for an annual fee and Credit Protection Fee in the sum of {$76.00}. I did not apply for this credit card. The company would not cancel the card and remove charges. Only information was that the account ended in # XXXX. When I called to inquire, they continually asked for my complete SSN. Payment due date was listed as XX/XX/XXXX.
12/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 238XX
Web
In accordance with the Fair Credit reporting Act 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33634
Web
This is the second attempted complain I'm reference to XXXX XXXX XXXX. Reporting an alleged collection debt {$750.00} as open on XX/XX/XXXX. Original creditor was indigo credit card services account was open on XX/XX/XXXX, balance of {$300.00}. Indigo charged off/written off balance and close the account on XX/XX/XXXX. I do not owe a debt that has been charged/written off correct?
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77396
Web
I disputed this account in XX/XX/2022 stating that this account was sold, and that CB Indigo/GF continues to report onto my XXXX credit report. The attachments show that the account was sold twice and each time I review my credit report, I continue see CB Indigo/GF continues to report onto my credit report which is a detriment to my credit report. I do not owe this company money.
03/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • AL
  • 36695
Web
On XX/XX/XXXX, I received a Milestone CC in the mail. I never applied for this card. Then on XX/XX/XXXX, I received a letter saying thanks for letting us know about your change of address! Weve updated your Milestone Account.. Well- I didnt apply for the card and I didnt request change of address. I just want card closed and my security info not being used for peoples enjoyment.
01/19/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 75230
Web
Someone fraudulently opened a credit card with Genesis FS Card Services on XX/XX/21 in my name, and charged {$4000.00} to the card. I found out on XX/XX/21 by looking through my credit report. The card was opened with the address of our rental property in XXXX Florida ( XXXX XXXX XXXX ). I called Genesis FS Card Services today ( XXXX ), and they are starting an investigation.
10/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IN
  • 46033
Web
XX/XX/2022 : XXXX XXXX alert about new credit card opened in my name. When I looked at credit report it shows that {$75.00} credit used of {$300.00} limit. Called the credit card company and they opened Identity Theft investigation and they directed me to submit complaint here as well. They also mentioned the address to open the account was not the same as my mailing address.
11/07/2023 Yes
  • Credit card
  • Store credit card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • VA
  • 22191
Web Servicemember
Employee told me, the customer, that the store card came with a no-interest, promotional financing plan when, in fact, the plan charged monthly financing fees. I eventually found out about the applications only after receiving a card. Im aware that XXXX XXXX was slapped with {$11.00} XXXX penalty for shady store card practices back in XXXX. They are doing the same thing now.
06/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • IL
  • 60641
Web
I was a victim of identity theft as well as unauthorized charges against this account which I already explained to this company. They have been charging unreasonable charges and fees when this company has been told to freeze this account because I requested an investigation and they neglected this matter continuing to charge fees to an account that was potentially compromised
02/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • OH
  • 45005
Web Servicemember
I have emailed Milestone asking for help but they provide no method for hard of hearing customers. The only way I can contact them is through email. I have faced a hardship and have asked them to reduce my monthly payments and I have heard nothing back. Today they threatened me with a charge off in an email demanding {$360.00}. Still without any financial assistance offer.
06/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85042
Web
I have contacted INDIGO/GENESIS CARD SERVICES on XX/XX/2022 and XX/XX/2022 through mail, requesting {$930.00} ( which includes late fees, which should not be since I have been contacting the correct department by mail as stated on the back of each statement ) be credited back to my Indigo credit card account, due to lack of verification of purchases from XXXX, XXXX and XXXX.
09/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 19139
Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX and XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
05/17/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90805
Web
In accordance with the fair credit Reporting Act XXXX, Account # XXXX has violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
03/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 132XX
Web
I contracted with the GENESIS FS CARD SERVICES for a credit card AND UNBEKNOWNST TO ME I was not given full disclosure which is a violation of Regulation Z of the TILA ( TRUTH IN LENDING ACT ). I authorized permission to representatives of the company to discharge the total amount of the debt in full pursuant to HJR 192 and Public Law 73-10 and was not given proper remedy.
08/31/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • XXXXX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions, 15 USC 1666B : A cred payment on a XXXX XXXX open end XXXX XXXX XXXX. ran for any purpose
12/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • MS
  • 392XX
Web
My initial card expired in XX/XX/2021. I never received a replacement. I have called Indigo no less than XXXX times and requested a replacement card. Verified my address every time. Never received the card. Paid my balance off to {$0.00}. Now, they have charged me a yearly usage fee of {$90.00} and are demanding I pay on it. I have not had a card I can use in over a year.
01/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • HI
  • 96792
Web
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
10/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 08854
Web
There are hard inquiries listed on my credit report in the attached report. These inquiries was not authorized by me and they are impacted my credit scored and have lowered my score by XXXX points which seriously impacting my life financially. Dates of HARD inquiries on XXXX Credit Bureaus XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
12/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • PA
  • 19154
Web
XX/XX/XXXX Genesis FSXXXX XXXX XXXX Acct XXXX XXXXThreaten to sue -False name / contact info -Claim they are attorney or represented -Gave false information about me -Threaten to tell anyone about my debt -Continued contact after requesting in writing to stop contact - Have been told I owe more than I do. - Called my work after I told not to contact place of employment
10/05/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • XXXXX
Web Servicemember
I have been receiving calls from the number since XX/XX/2021. They also called on XX/XX/XXXX, XXXX, XXXX and XXXX. On XX/XX/XXXX, the caller ID was Unavailable. XX/XX/XXXX, XXXX and XXXX are Spam. XX/XX/XXXX is Account Services. I called the number on my cell phone and they identified themselves as Genesis FS Card Services. I have never had an account with this company.
05/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19139
Web
I have recently viewed my credit report and I see several credit accounts reporting on my credit report that should not be there. There is a " FEB/DESTINY '' revolving account reporting to my credit report and I never opened an account. The account is reporting a {$0.00} balance yet it is closed and has resulted into a collections account from " XXXX XXXX XXXX XXXX ''.
06/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • PA
  • 19124
Web
I had a card from first genesis ( 12 genesis fs card services ). This card was stolen in 2021 I asked for a replacement card one two occasions and no new card was sent.Be cause this card had no balance and I never received a card I then acalled them and asked them to close the account.now they are putting that I owe XXXX dollars that I never spent or had awareness of.
11/16/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • UT
  • 84606
Web
Hello and thank you for reading my complaint. I was sent a pre-approved credit card offer from XXXX, XXXX XXXX XXXX, a XXXX XXXX company. I NEVER replied in ANY form. Then, I started receiving calls from collections from the company. I never applied for the card nor activated it. I certainly never used it. It is destroying my credit and they will not return my calls.
06/13/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TN
  • 38016
Web
Genesis Credit. Made purchase with XXXX for {$8000.00}. I was not told Genesis is like a credit card. Before I received the 1st statement, I was charged interest which made the account overlimit and reflected negative marks on my credit bureau. I contacted Genesis and was told there was nothing they could do. Also now I am being charged {$27.00} for an overlimit fee.
06/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29588
Web
I have been contacted constantly by the credit card company genesis card services I was told prior as of last month that they would stop calling. I however have received nothing but repetitive calls and excuses. This goes against the Fair debt collection protection act. This is harassment I don't care if you put me on the do not call list the damage is already done.
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 339XX
Web
I live on XXXX XXXX and took a direct hit from Hurricane Ian. I called them when I was able to finally get phone service back and they told me they weren't reporting late payments for 90 days due to Ian. I have always and am currently in good standing with them. This is holding up my credit as I'm trying to buy a house. Indigo Credit Card with Genesis card services.
11/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NV
  • 89147
Web
Destiny Credit card owned by XXXX XXXX has taken XXXX $ from me on XX/XX/XXXX. They have not applied this balance to payments due and continue to charge me interest and late fees. As of today XX/XX/XXXX my account has a negative balance. They stole my XXXX $ they also report late payments to my credit report when the payment was never late. They just held onto it.
04/20/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75104
Web
I have contacted XXXX regarding fraudulent inquiries on my report. I sent a certified letter requesting removal of these items. XXXX has confirmed receipt but told me I need to file a police report and refused to assist with the removal of the inquiries. My letter to them was sent to them 6 or more months ago and I would like this addressed immediately. Thank you.
07/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • MN
  • 55343
Web Servicemember
I have not received my Indigo Mastercard replacement card. I been waiting over a month to receive my new Indigo Mastercard credit card with my credit limit of {$300.00} via U.S. Mail. I still havent received my Indigo Mastercard replacement card. I want Indigo Mastercard to send me my new replacement card. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, XXXX : XXXX
06/26/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MD
  • 21012
Web
Indigo Credit Card closed my account for not using it - I was fine and happy its the lowest card I have I dont even use - All of a sudden I see a bill, fees for there horrible annual rate {$100.00} and a late fee???? How why did they feel to reopen this account to charge me money! I refuse to keep them and pay they lied and abused credit terms after cancelling me
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53209
Web
IN ACCORDANCE WITH THE FAIR REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS 15 U.SC181 SECTION 602. I HAVE THE RIGHTS TO PRIVACY 15 USC 1861SECTION 604A SECTION 2 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCONT WITHOUT WRITTEN INSTRUCTION 15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENT ON OPEN CREDIT CARD ACCOUNT AS LATEON CONSUMER CREDIT PLAN ON ANY PURPOSE
04/17/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 304XX
Web
I paid my indigo Mastercard off in full. When I got my statement in the mail, I saw charges from a company on there of XXXX dollars and some change. I did not make these charges and I'm not paying this. The card co said they were gon na send me another card with a different account since this one has been hacked in which I have not received. I'm not paying this
04/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 170XX
Web
I received a credit card from genesisFS card services. I called them and said I did not apply for the card. I dont want it and I want it taken of my credit report ( including the inquirie. They said they would investigate it and it could take up to sixty days. I dont have sixty days to repair my credit. I need to beable to apply for a place to live. Please help
06/28/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • CA
  • 91706
Web
Some one used my info to apply for a credit card. I received a bill regarding a opened account and activation fees and interest charged. I never received that card to my address. I contacted the number on the bill from Milestone. Genesis FS card services. They asked me to fill out a identity theft repot and fax it over to them so that they can fix this issue.
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78108
Web
Payment was sent to XXXX XXXX account and it was applied to to separate other XXXX sister companies. Without my permission those XXXX payments went somewhere else. Caused late fees ( but those sister companies held my money until I investigated where my money went to. It was sent back to me after 2 months and now the credit report is reporting late payments.
04/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Credit card company forcing arbitration
  • MO
  • 640XX
Web
On or around XX/XX/2022 Destiny/ Genesis FS Card Services sent me terms and conditions of my credit card. I do not consent to the terms and conditions of my account and ask Destiny / Genesis FS Card Service to proceed pursuant to the ( Fair Billing Credit Act ) ( 15 U.S.C. 1666-1666j ) extension of credit. As of date XX/XX/2022 my rejection notice is forced.
01/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 93257
Web
indigo credit card made my payment on the due date..they credited my account, and then turned around and returned the payment and billed me a late fee. on top of all that they let my available credit stand and then they charged me for going over my limit... i got this card in hopes of straighting my credit out ... and all they have done is made it worse!!!
07/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92115
Web
Indigo credit card companies website does not show transactions of purchases and can not navigate through the website only by phone calls and they keep on changing withdrawals from the account and can not use a credit card for 14 to 21 days after making a payment.Logging onto their website try to hit contact or anything on the website shows no pages found
03/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08401
Web
In accordance with the fair credit reporting act this has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 6048 section 2 it also consumer reporting agency can not without my way and instructions under 15 USC 1666V payment on a credit card account under an open end consumer credit plan for any purpose
04/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • GA
  • 30297
Web
My account was blocked because they stated it saw suspicious activity I called gave them my information to verify me. They stated they needed my ID I asked to speak to the fraud department. They stated to me that the fraud department do not accept phone calls. I even provided them with the checking and routing number that I use to pay my monthly bill.
11/04/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Report provided to employer without your written authorization
  • NC
  • 27603
Web
On XX/XX/2021 without my authorization and permissible purpose, my consumer report was accessed for promotional purposes without my knowledge by CB INDIGO located at XXXX XXXX XXXX XXXX, OR XXXX. Pursuant to 15 USC 1681 ( b ) they are in violation of FCRA I have sent a communication to the party responsible which I will be attaching to this complaint.
10/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KS
  • 662XX
Web
Referencing letter sent to me by XXXX XXXX XXXX XXXX clearly states they sold to a debt collector XXXX XXXX. According to the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX all " Transferred or Sold Debt '' must be deleted. See page 10-1 of the Credit Reporting Resource Guidelines ( Attached ) Please see attached letter form XXXX XXXX XXXX XXXX XXXX
09/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 448XX
Web Older American
I had a charge on my credit card through indigo and it put my credit limit to the max, my XXXX score dropped XXXX XXXX and my XXXX dropped XXXX XXXX .I did not make this transaction I contacted indigo and they cancelled my card and sent me a new one, I can not have this fraudulent transaction drop my credit score, im trying to buy a house, yours truly
04/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • NY
  • 10455
Web
I received a credit card from Milestone card services for a credit limit of {$300.00} that I never ordered or requested. I received a statement letter that I owed a fee of {$76.00} due on XX/XX/22??? I called immediately and spoke to a representative at XXXX and she filed an identity theft ticket for me. She proceeded to advise I fill out an affidavit
01/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MA
  • 01752
Web
I'm trying to very simply close my Indigo credit card. I can not reach a human being. I've tried their automated system multiple pl times and either get disconnected or rerouted. There is no chat bot or FAQ on their website. The product just doesn't meet my needs in terms of longterm credit planning and financial management, so I know longer want it.
07/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 315XX
Web
In accordance with the fair credit reporting act XXXX accounts # XXXX XXXX XXXX XXXX XXXX XXXXXXXX/genesis FS card services in # XXXX has violated my rights 15 USC.1681section602 A.States I have the right to privacy 15 USC1681 section 604 A section 2 it's also states a consumer reporting agency can not furnish a account with my writing instructions
04/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • OH
  • 43081
Web Servicemember
I was never able to use this card one time. It has a block on it for 3 months. The bank requested I send them a copy of my driver 's license. I already did that 4 times via fax and postal mail. They still did not remove the block and i already had to pay {$76.00} in fees and can not use this card. It is called Indigo Mastercard issued by XXXX XXXX.
05/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 46953
Web Older American
It is a credit card. I applied for the card, received it. Then they said I didn't pay the fee to start the card. I paid the fee. so, they shut the card off, i used it once and it was for like XXXX dollars, and then they shut it off and started sending mail, calling and letters. I am not going to pay for a card i used once and then they shut it off.
12/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MN
  • 55343
Web Servicemember
My Concora Credit Destiny Mastercard Credit Cards and account : XXXX and XXXX was lost/stolen and theres fraudulent transactions and payments that was made on my account. All of the transactions and payments that was made on my Destiny Mastercard credit card account are fraudulent transactions and payments and not my transactions or payments.
10/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76148
Web
I am not liable for this debt with Indigo/Celtic Bank . They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.
09/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • AK
  • 999XX
Web Servicemember
I had posted at least the minimum payment due to my card for the statements between XXXX XX/XX/2022 and XXXX XX/XX/2022. I made the payments via the automated telephone system using my saved bank account information. Indigo did not properly post my payments to my account, charged me late fees, and reported me delinquent to the credit bureaus.
12/01/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CO
  • 80247
Web Older American, Servicemember
They told me I had to 9 dollars just to make my payment when I was in the phone with Them. I refused to pay them 9 more dollars just so I could pay them. I told them I would not pay that 9 dollars for that. Everything I was as they say late I wa never over 30 days late ever. Check my payments wirh them and the dates. Never 30 days was I late.
06/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • KS
  • 662XX
Web
I received a letter on XX/XX/2023 from Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX in reference to a credit card that was opened in my name and an owed balance of {$440.00}. I had never opened this account and immediately contact Genesis FS upon receipt of the letter indicating I did not apply nor receive a credit card from them.
01/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 236XX
Web
Milestone violated my rights by sharing my information with third-party companies. I did not give consent for my non-public to be shared. Also, Milestone wrote the debt off but reported the account as debt to the consumer reporting agencies but instead, it is now income according to the IRS. Attached is documentation supporting this claim.
07/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • XXXXX
Web
Apparently this credit card company places a hold on the account for month. So after making a payment they place a hold on my card until the next billing cycle. Which makes me not be able to use said card. How is this even legal? Its like Im getting punished for making a payment to my account. But if I cancel it hits my credit score major.
07/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48433
Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. DATE XXXX XXXX XXXX AMOUNT {$500.00}
08/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IN
  • 47201
Web
My wife left me at the end of XXXX. While going through things at home I found XXXX different credit cards in my XXXX of these cards have my name forged on the back of them and have been used. I can tell that it is my wife 's signature. Now I am starting to get texts and calls from debt collection agencies over these cards not being paid.
07/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30117
Web
I am disputing the indigo credit card also XXXX XXXX credit card also XXXX and the other so I disputing 4 on my report I was incarcerated for a period of time some people got ahold to all my belongings I need these things off my report they my info was lost and used at that time I was. Gone away from my home. Identity theft was involved.
04/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89117
Web
I spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments
12/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NC
  • 283XX
Web Servicemember
this is for genesis card services. company is just a scam. also i was a victim of fraud and id theft. i filed an ftc id theft report and a police report not too long ago. i would like for this company to remove my account and delete from credit bureaus. i dont want anyone accessing anything in my name or using my social security number.
10/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • WA
  • 98801
Web Servicemember
My husband is XXXX XXXX XXXX. My apr should be 6 % the are charging me 36 %. They have also tacked membership fees for opening the account and several others. This is a violation of the military lending act. My account should be reimbursed the membership fees and the other fees tacked on. Also it needs to be corrected to the max of 6 %
05/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08054
Web Older American
I received notification from XXXX that I have a new credit card w/ Destiny Master Card. I contacted XXXX and told them I never applied for a new credit card. Today I received A bill from Destiny stating I owe {$59.00}. I never applied for this card. I need to know that this inquiry and credit card will be removed from My credit file.
03/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08330
Web
I wrote Genesis Bankcard Services and asked to a payment history sent and they have different dates than the reporting dates as well as. The open dates and charge off dates are in my credit reports. I asked to have the inaccurate information removed from my all three of my credit reports in XX/XX/2023 and I have yet to get a response.
12/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11714
Web
I reviewed a copy of my credit report and XXXX INDIGO ran an unauthorized credit inquiry on me on XX/XX/2021. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX INDIGO and investigate such occurrence.
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OR
  • XXXXX
Web
I was XXXX from XXXX XXXX XXXX XXXX XXXX XXXX while I was locked up someone stole my wallet and used up all my credit cards. I have told the credit card companies as well as XXXX and they refuse to remove the negative reports in my account. This was fraudulent activity which I had no knowledge of until after I was released from XXXX
05/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • OH
  • 44011
Web
I have been trying to reset my password to access my online account for over 30 days. I have spoken with Destiny Card ( Genesis Financial Services ) Customer Service 4 times in the 30 days. Each time they tell they will submit the issue to their IT and I should try again in 24 hours. Done this four times. Unable to access my account.
11/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • IA
  • 514XX
Web
I have received NUMEROUS ads in my email for a {$700.00} XXXX XXXX card ... after they stated they only had {$300.00} limit cards... I spoke to someone who called after I sent an email to the CEO and she said I wasn't eligible and would take me off the list for emails ... .I continue to receive them even after I myself unsubscribed!
11/13/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 319XX
Web
XX/XX/2023 I received a email from destiny.myfinanceservice so I called to see about what I can do to reestablish good payment history with them they tell me they didn't email me or say things like that when i was reading the email they sent me I asked can I email me them what I received they told me we are not allowed to email them
07/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • OH
  • 43551
Web
I have two accounts with this bank. I have been waiting for over a month to receive my cards and have never received the cards. I contacted the company but they are not very helpful they reported the cards and the " balance '' to my credit report however I never received the cards. They need to expedite the cards this is ridiculous.
03/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33411
Web
CB INDIGO/GF Date open : XX/XX/XXXX Balance updated : XX/XX/XXXX Original balance : {$300.00} Status : closed {$820.00} written off Completed investigation of FCRA dispute consumer disagrees. I would like to get this removed off my credit report Ive already paid the balance and the account has been closed. How do I get it removed?
10/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33169
Web
CFPB Write up in accordance with the Fair Credit Reporting act XXXX Account XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 90045
Web
I have been a customer of CB Indigo and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in XXXX.
01/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 44113
Web
I received an alert from XXXX XXXX, stating that a credit card from indigo-XXXX was opened in my name and has a charge of XXXX I have never applied for a card with this company nor do I own one. Please send any correspondence about this complaint to my mailing address. my address is XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX Ohio XXXX
01/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NY
  • XXXXX
Web
Genesis FS Card Services closed my account about a year or two ago. I paid the balance in full and requested the account to be closed. I continued to receive monthly statements as if my account was never closed. I've asked them to cease sending notices, and they refuse to comply. It has become a matter of harassment. Please help.
07/29/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • IA
  • 514XX
Web
I opened an account and they continue to charge me outrageous amounts of interest and return check fees even though my checks were never returned!! I spoke to a customer service representative who told me that my account was clos ed and that it was a mistake and so that it was on there and but there was no way they could fix it!
05/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 609XX
Web
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
09/20/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NV
  • 89117
Web Servicemember
The Indigo MasterCard debt with original creditor XXXX XXXX but issued through Genesis FS Card Services ( really unsure of the original creditor ) was paid to XXXX XXXX XXXX XXXX, XXXX on XX/XX/2022. This account is still showing on my credit report as a credit account charge-off and creditor should have removed this account.
04/29/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75104
Web Servicemember
Reported account past due on two occasions XX/XX/2022 and XX/XX/2022 incorrectly. Account payment made and not posted using checking account authorized Provided documentation of company error on 2attemptXXXX and no response or correction made. Filed dispute with credit bureaus and did not receive response within required time
03/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30019
Web
In accordance with the Fair Credit Report Act XXXX Account : # XXXX, From : CB INDIGO/GF, has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
04/28/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • TN
  • 37620
Web
I open an Indigo Mastercard, and was told over the phone there was no fee for applying or having the card, but when I got my first bill I was billed an annual fee. I attempted to call Indigo Mastercard customer service but they refused to help close the account, allow me to pay the balance to XXXX and refund the annual fee.
07/31/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 766XX
Web Servicemember
My credit report was pulled, with multiple fraudulent reports from a data breach which included my email, social security, bank account, and card information. Ive called to report fraud to companys as well as I did a police report. They directed me here so hopefully I can get some answers so that these items can be removed.
05/25/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22191
Web
I am filing this complaint because CB INDIGO does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? They still have not complied with the XXXX. They never responded with the documentation requested and required by the XXXX.
02/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WI
  • 54935
Web
in 2020 i was involved in identity theft and my info was used to open multipal accounds and loans i am not responsiable for. i can not get these to go away as they want me to prove it was not me and they just verify my info and count it as accurate, of couse it will be accurate my info was stolden and i need theses removed
04/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CO
  • 80027
Web
I entered my Payment for 2 cards. Indgo and Desteny. Both are with the same Company and neither of the 2 went through. Both sites freeze when I attempt to make a payment. I am still within 30 days. I feel they are trying to NOT let me make a payment. This feels like an unfair practice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 34759
Web
In Accordance with the Fair Credit reporting Act Destiny Account # XXXX XXXX XXXX XXXXhas violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : II also states a consumer reporting agency can not furnish an account without my written instructions
09/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MO
  • 65109
Web
I did not open this account. I have never heard of a Destiny card. I got a statement in the mail. I never opened this account, did not authorize any purchases and would never open an account with an annual fee. I called the customer service number on the statement and was advised to contact you and file a theft identity
04/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Filed for bankruptcy
  • ME
  • XXXXX
Web Servicemember
XXXX XXXX, XXXX, notices account status is reporting as " transferred ''. This is incomplete information, as the account was updated after discharge, and should reflect as such. I was informed by creditor they were still attempting to collect a debt, which is impossible, since this account was discharged in XXXX, XXXX.
01/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32832
Web
I am a victim of identity theft, and this company has no record of me signing a contract with them claiming this debt belongs to me. I asked the company 3 times to provide documentation that this debt belongs to me, and they haven't provided any documentation yet. I need this removed from my account immediately please.
11/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • DE
  • 19713
Web
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
10/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33647
Web
The company CB Indigo is reporting inaccurate and misleading information to my consumer reports. Ive contacted the company regarding a validation notice for inaccuracies and have not received any written correspondence. CB Indigo failed to maintain reasonable procedures regulated by law and ignored my consumer rights.
08/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 641XX
Web
i have never had any late payments when I had this credit card and they are showing late payments in 2019 the card was reported stolen back then and the company corrected it now that a new company has it they show late payments on my old cb indigo credit card I have never been later or pastdue on an account in my life
10/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • MA
  • 02124
Web
I made payment to Indigo card on XX/XX/2021 they are telling me it will take up to 14 days for the balance to update on card how is this fair I paid my bill XX/XX/XXXX but I cant use it for 14days how is this fair that they take my money n I get no credit for it for 14days this is ridiculous n so unfair XXXX XXXX XXXX
06/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 342XX
Web
Two consecutive months I have tried to login to pay on the due date and the website always gives me login errors or says temporarily unavailable. Shortly after the XXXX XXXX cutoff when payments are late, I'll be able to login again, but will be too late and have been assessed a late fee both of the last two months
03/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34711
Web
I never applied for this credit card in particular. I've only applied for ones through my XXXX account, based on my credit score and this MILESTONE MASTERCARD was never listed. The account is now open on my credit report and I want them to close it. I missed the 30days to close deadline, per my email from XX/XX/23.
05/26/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • HI
  • 96786
Web Servicemember
This account with INDIGO has been sold to XXXX XXXX XXXX. The creditor indigo have no authority on this account. this goes against the fair credit reporting act. XXXX XXXX XXXX has the debt and currently reporting on my credit report as well. I demand deletion of this account as it is a violation of FRCA and FDCPA.
09/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • HI
  • 96815
Web
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXs customer service representative.
12/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11207
Web
15 USC 1681 States I have the right to privacy 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 43147
Web
I received notice from Genesis FS Card Services that I owed them {$75.00} for a credit card I never applied for. Y The same day, I received a letter from them stating it appeared to be fraudulent activity on the account and the card was blocked. I called the company and was told to file a complaint with the FTC.
04/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 34759
Web
In Accordance with the Fair Credit reporting Act XXXXXXXX XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : II also states a consumer reporting agency can not furnish an account without my written instructions
12/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • FL
  • 34746
Web Older American, Servicemember
Genisis FS Card Services Milestone Credit Card Application approved XX/XX/2021 Card to be received in 14 business days. Card not received. Called company. Card never issued. Recalled company. Card in processing. Called company today card mailed XX/XX/2021. Still no card. Statement received 2 weeks ago.
05/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • WA
  • 98053
Web
Received email thanking me for updating our address from credit card company. We never applied for the credit card, nor received it. Checked on your credit report and it shows as being issued to us. We disputed it with XXXX, but they could not get it removed. They suggested we file a fraud report with CFPB.
09/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 30907
Web
Hey so basically I tried calling for them to possibly waive my annual fee but their agents would disconnect ( happened 3 times ) and or they would act like they couldnt understand what I meant and would passive aggressively inch me off the call till I was just saying the same thing and they were playing dumb.
09/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 34232
Web
someone did fraudulent activity on my card. I contacted the credit place. They asked me to send my ID fax it over. I did no response. I cant pay my bill because I cant login and it keeps going higher and higher because I cant pay my bill so then I called them back and sent it over again faxed it no response.
08/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • VA
  • 243XX
Web
destiny genesis fs card services informed me I have a credit card with this company. I have never applied for this card. I did not find out about this until I applied for a car loan & it showed up on my credit report. I got in touch with this company & was told I need to file a fraud complaint with the FTC.
07/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93535
Web
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Identity theft Please remove it from my credit report.
07/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28078
Web
Milestone continues to report inconsistent and incorrect payments history. I have disputed the account many times and each time they respond with a different payment history. The 3 credit bureau all have different information. Each month my account gets updated with different information that is incorrect
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37040
Web
I did not open a new account on XX/XX/XXXX with anybody. A new account was opened up called Feb Retail and I have never ever heard of these people. Please help me get rid of this. I have no way of contacting them because I don't know them or where this account came from. It is showing i. My Credit Report.
11/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 117XX
Web
This is not my credit card, I never opened this account and have tried to reach out to the credit card company numerous times and have never heard back! Ive tried calling, Mailing information to the phone number/address on there website. No one is fixing this and this card account was opened fraudulently!
10/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 477XX
Web
I sent a letter to this company about missed payments during covid and they sent me back an inaccurate letter. I also disputed it on XX/XX/2021. Then I sent out a response certified mail and had it notarized Monday XX/XX/2021. I also included an invoice with all the violations that this company committed.
04/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30096
Web
In accordance with the Fair Credit Reporting act XXXX violated my rights. Account opened XX/XX/2022. U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
11/09/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 604XX
Web
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
07/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77044
Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
04/12/2022 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77389
Web
CB/indigo is a credit card company on my credit report even though the debt says paid on my report this is a fraudulent report. I have never applied for or owned a CB/indigo credit card before. I am asking for this report/collection to be removed off of my XXXX credit report. The report number is XXXX.
03/30/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • UT
  • 84770
Web
A purchase was made in my name through Genesis FS Card Services with a transaction on XX/XX/15 from XXXX-XXXX office purchase of {$1300.00}. I have contacted Genesis FS Card Services and they filed a report and also told to file a report myself. Whoever open this account has my social security number.
12/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • LA
  • XXXXX
Web Older American, Servicemember
I was notified by phone that I had a credit card debt os over {$2000.00}. They Genesis FS. Card services asked me when will I begin to pay off my debt. I stated that I didn't request a credit card and was unaware of their company. Therefore morally and legally I shouldn't be responsible for this debt.
11/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MD
  • 212XX
Web Servicemember
on XX/XX/XXXX milestone closed my account for non payment from my personal income. I was told that that was the only payment they accepted. I referred to the bill of exchange act and remitted payment to the address on the face of the bill. XX/XX/XXXX certified mailing proves they received my payment.
03/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 700XX
Web
15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer to furnish an account without my written consent. 15 USC 1666 B : A creditor may not treat a payment to a credit card an open - end consumer credit plan as late for any purpose.
02/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • FL
  • 34655
Web
I called as I had XXXX recently. I needed this month and next month due to a reduction in income put on pause and resume in XXXX. They advised me they offer nothing in regards to XXXX and that my credit will take a hit. They would not help me in anyway and I've been current on my payments for years.
07/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77449
Web Servicemember
In accordance with the fair credit reporting act XXXX account ... FEBXXXX XXXX 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy. 15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.
11/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • XXXXX
Web
i have credit protection on my destiny credit card until XX/XX/XXXX per a recorded Phone call, but they didn't make the payment last month. all fes and late fees need to be paid and assured the same thing won't XXXX happen next month.i have consistent issues with this company and credit protection
10/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07203
Web
I have several inquiries on my report from companies, I didnt authorize. XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Ive reached out multiple times no resolution was provided.
10/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 33613
Web
In Accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602A States I have the rights to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
02/09/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60637
Web
CB INDIGO ( Bank ) XX/XX/2022 I just recently got off the phone with the company and they wont put in a request of removal of a fraudulent hard inquiry from Insigo Mastercard to XXXX. They dont even have my information on file, I called 3 times most of them are lazy and was giving me a hard time.
04/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • OH
  • 45005
Web Servicemember
I have hit financial hardship and have emailed this company multiple times for help. I am hard of hearing and they dont provide anything other than their number. I found an email and they have gone ignored. I am requesting assistance but instead my XXXX XXXX has been hit with derogatory remarks.
02/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85395
Web
I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX XXXX XXXX. My dispute letters were dismissed, and never responded to. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
02/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CO
  • 80831
Web
company charged me XXXX annual fee then said my card was fraudulent when I tried to change my address and said they had sent me letters and closed my account and said I would have to re apply and pay a new annual fee. I used the card for a short period of time paying off the balance every month.
10/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11967
Web
Cb Indigo is reporting inaccurate information on my credit report on all XXXX bureaus. They are reporting the last day active different on each bureau and reporting the account late XXXX and XXXX of 2019 at the same time. They are not reporting accurate according to the fair credit reporting act
09/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 308XX
Web
In accordance with the Fair Credit act CB INDIGO Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
04/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • GA
  • 317XX
Web Servicemember
I tried to fix my payment options with GENESIS FS CARD SERVICES, but they just keep on sending me back payment slips saying my payments are effective payment instruments. I am sending this complaint to resolve this issue and get my credit report cleared of all GENESIS FS CARD SERVICES residue.
10/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CT
  • 06516
Web
The company name is Destiny Card Services put me in collections on XX/XX/XXXX and XX/XX/XXXX. I dont know who this company is where they couldve have gotten my information from but I never did any business with them. Being put into collections is ruining my credit score and I want it removed.
12/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 236XX
Web Servicemember
In accordance with the fair credit reporting act, INDIGO-XXXX BANK XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
09/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 32738
Web Servicemember
Received notice that my feb destiny card was closed and this company fraudulently reported i requested to close it when I never did. Furthermore, they advertise me a card with a higher limit and then tell me bc I had the card I didnt qualify. And dont get me started on their tty overseas reps
03/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 32244
Web Older American, Servicemember
Milestone Credit Card underwriter Gensis Bank Card is illegally holding my payments for 14 days when I sent them proof my payment has already cleared my account. They still will not release the funds and are charging me interest on the incorrect balance and not applying the available credit.
03/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 32208
Web
I tried calling them there's no answer then when I did get through with someone saying that I or someone in my household call and open up a new credit card or a car loan and I told them there's no one in my household open up credit card or car loan that we already have a credit card in a car
06/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • NC
  • 27886
Web
Someone stole my identy and opened this card using my name and social security number. They also used my address and I have received the card but have not activated it. The company will not close the card but have blocked it until I file this report. I never requested or wanted this card.
11/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • 306XX
Web
Company mailed card to incorrect address after card was finally received have never been able to use the card due to fraud charges and company keep sending me a new card but has yet to remove the fraud charges also keep charging myself program and late fees for something I have never used
04/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44484
Web
I got a collections notice to my XXXX XXXX and XXXX apps today from Indigo Mastercard. I have never heard of the card or account that I am disputing. I never applied for this card. It never even showed up on any of my credit reports until today when it showed up as a collections account.
04/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MS
  • 39047
Web Servicemember
No result. They told me this was done online and there was no way to track the people who made these inquiries. I explained that did not authorize anyone to apply for anything under my social security number. I wasnt could press charges due to not having proof of the person who did this.
01/14/2022 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • UNITED STATES MINOR OUTLYING ISLANDS
  • XXXXX
Web Older American
As of XXXX, I called to close the account and inquire about the balance regarding a dispute with XXXX for XXXX. I gave information only to be disconnected on. I do not want to conitnue business with this account. I would like to pay the XXXX and be done doing business with this company
06/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 33125
Web
Mile Stone Credit Card has a website that doesnt accept online payments even though they advertise that they do. I tried numerous times to make payments and work with customer service. I missed 1 payment and they put it into collections. People need to be warned about this credit trap.
10/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 33351
Web
Racism and discrimination Closed my account before I authorized/no notice I contacted to close month before but they just reversed my pay They took {$75.00} annual fee without letting me know in notice first I DID NOT KNOW ELSE I WOUKD HAVE CLOSED They were trying to sabotage my credit
10/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IA
  • 500XX
Web
This is a followup complaint to complaint # XXXX This item still remains on my credit reports and has incorrect information such as charge off and still open. The company seems to change the status monthly to keep it going instead of deleting the derogatory information as they agreed
08/03/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IA
  • 50315
Web
In accordance with the Fair Credit Reporting act, my rights were violated. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
07/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30253
Web
DEBT COLLECTOR IS A THIRD PARTY TRYING TO COLLECT MONEY THAT WAS RESOLVED/PAID WITH A XXXX & PAYMENT LETTER WITH INDIGO MASTERCARD # XXXX, MILSTONE # XXXX, XX/XX/2022. I DO NOT HAVE A SIGN CONTRACT WITH THE DEBT COLLECTOR XXXX XXXX NOR MILESTONE, INDIGO AND THEY WERE PAID INN FULL.
05/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60649
Web
This company has continued to report this account onto my credit report. This account is also reporting inaccurate information. I would just like for this account to be deleted and removed from my credit report. I didnt give permission to have these accounts furnished to my report.
01/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • IL
  • 622XX
Web Older American
Received my new card old card was lost.. They will not Activate new card but want make payments still?? Card is not over the limit!!! Seems like a SCAM To me!! So untill they ACTIVATE I will no longer make payments on account that I can't Used!! My Indigo card is the name of card
01/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 34221
Web
I previously had a credit care with CB Indigo. This account was closed and paid in full XX/XX/2022. I received notice today the account is reopened with a balance. I have attempted to contact the company without resolve. This is fraudulent activity I would like removed immediately.
07/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28078
Web
Destiny continues to report incorrect and inconsistent information to the credit bureau. I have disputed the account a few times and each time they come back with a different credit history : They information is consistent and all three credit bureau show different payment history
03/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95361
Web
someone applied for a feb destiny card and it got approved and they maxed out the card and went over credit limit. We called company they wouldnt give us an address where they mailed it, and they said our address didnt match. Looks like this company ran my credit on XXXX XXXX XXXX
06/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MD
  • 21218
Web
Someone opened a card with milestone credit card with all my info. I am currently in XXXX and I'm not aloud to open any new accounts ' as set by the courts. plus this card was open XXXX of this year. I have no idea who and how this was done to me. please help. Tank you, XXXX XXXX
12/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94601
Web
Genisis FEB Retail sold account to another agency ( XXXX XXXX ). The account was paid off. Payment received by the company XXXX XXXX. Genisis FEB will not delete account and they dont even own the account anymore. I need this paid account deleted because it is damaging my credit.
11/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33139
Web Servicemember
Genesis FS Card Services dba " Destiny '' is incorrectly reporting 30-day delinquency on my credit file. I have made every payment in full and on time to Destiny FS Card Services. I formally request Genesis FS Card Services remove the reported delinquencies from my credit file.
10/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • FL
  • 321XX
Web Older American, Servicemember
I received an email I suspected to be a scam because when I attempted to block sender it wouldn't allow because you can't block a sender if it's from your own organization! I'm not very computer savvy so all I could accomplish was screenshots. Might have sent duplicates, sorry.
08/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MN
  • 557XX
Web Servicemember
Call get to computer operator and no ability to get to actual person and no way to cancel card. also does not update to credit timely or accurately. Paid bill two months ago and keep reverseing the fee, causing my credit to take negative effects from prolong credit usage rate.
07/08/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CO
  • XXXXX
Web
I got a email from them stating that I had opened a Milestone Credit Card. I had not applied for this. I called the company and they closed the card. Email Sent to me : XX/XX/22 Card opened for XXXX. Called company XX/XX/22 They closed the account. No money spent or taken
03/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CO
  • 809XX
Web
I paid {$100.00} to destiny XXXX on the XXXX of XXXX. If cleared my account on the XXXX of XXXX. It is now the XXXX and my credit limit has not increased to show the payment. The payment has not been pending since the XXXX of XXXX and I still do not have it as available credit.
11/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • FL
  • 33647
Web
Credit Card Applications were filed under my name to a number of different credit cards on or around XX/XX/XXXX. The cards were two Milestone Mastercard Accounts, an Indigo Mastercard, and an XXXX XXXX XXXX XXXX XXXX. I was notified by all cards that my application was denied.
08/31/2022 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30039
Web
Did not receive debt validation letter before creditor sold debt to another lender. Violation of FTC law SS 805a. Unable to pay due to COVID 19 Pandemic- declared disaster. Did not authorize the original creditor to share my personal information. Violation FTC law SS 809 4 & 5
07/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22033
Web
a few months back, my identity was stolen and several accounts was opened using my information. I did not consent to these accounts being opened. Please help me with resolving this situation. I tried resolving it with the collectors and creditors but nothing has been done.
10/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • XXXXX
Web Servicemember
The account was never delinquent. Account paid in full with no missed payments. During Covid the company didnt have adequate support and each call the customer service was suppose to correct issues and they failed to remove this from my credit report after multiple attempts.
01/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • GA
  • 301XX
Web
I tried several times to make auto payments with my debit card but they quit taking debit cards for auto. Then when I tried to put routing and account number in for auto payment it took it and then kicked it out.! It has caused 2 late payments and Im asking those be removed
02/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27616
Web
XXXX XXXX ACCOUNT # XXXX XXXX CONFIRMATION # XXXX VERIFIED That this account was up to date with no late payments on XX/XX/23 but XXXX, XXXX, are still showing late payments on my credit report. This company is doing predatory lending with no regards as far as the consumer.
10/28/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 92395
Web Servicemember
Upon receiving my statememt I saw charges made on my XXXX XXXX XXXX that were made without my permission and in XXXX, Again I did not use or authorize purches made on or around XX/XX/2022 & XX/XX/2022 in XXXX these charges are fraud not made by me. I reorted my card lost.
07/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • MN
  • 55343
Web Servicemember
I have not received my new Destiny Mastercard replacement card. I been waiting on a replacement card for over 1 month. I want Destiny Mastercard to mail me my new replacement card with my credit limit of {$300.00}. Full Name : XXXX XXXX XXXX, XXXX :XX/XX/XXXX, XXXX : XXXX
09/06/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • FL
  • 329XX
Web
I contacted customer service in regards to a settlement offer I received on my Milestone Card, they received a payment on XX/XX/XXXX for the settlement amount of {$350.00} but have not closed this account out and are not trying to get a payment from me for the next month.
08/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MA
  • 017XX
Web
I am trying to visit their website to cancel my credit card. XXXX XXXX XXXX I am unable to find a way to cancel the card : When I call the company 's phone number there isn't an option to speak with someone. I do not want to keep the card open but I am unable to cancel.
02/18/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • XXXXX
Web
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
04/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 94578
Web
A Destiny XXXX was opened up in my name using all personal information, I have never signed up for any card from this company. The account number last 3 ending in XXXX I will call the company tomorrow, to get this cancelled asap. This is Destiny XXXX Phone number is XXXX
02/12/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 302XX
Web
I received and email on XX/XX/XXXX that my statement was due for Genesis FS Service and i never applied for a card with them. Upon speaking to customer service someone opened and account with my information at XXXX XXXX XXXX. I have requested for the account to be closed
01/19/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77077
Web
I am filing this complaint against XXXX because they have ignored my request for reinvestigation since XX/XX/2021 I have not had one response from this company. This company have had 200 days and ( insert 3 of dispute letters sent ) to resolve this and they have failed.
04/18/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 30331
Web
I have 4 fraudulent charges on my account. They removed 3 but not all 4. Ive reached out to company numerous of time. They are charging me interest on the fraudulent charges. Ive been hung up on. Also while trying to get help they have continued to charge my late fees.
04/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • DE
  • 199XX
Web
I received an email stating that the account I opened is sending a XXXX time statement with an account number. I called because I didn't open a cc. The company put a freeze on card and sent a letter to me in reference to fraudulent account and possible identity theft.
10/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NY
  • 121XX
Web
I paid my credit card on XXXX in the amount of XXXX, I have no food, no diapers and they are refusing to take off the manual hold when they got there payment I was told my kids have to wait another 7 days for it to fall off, there has to be something that can be done.
03/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23113
Web
I have one Indigo credit card, issued by XXXX XXXX. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to Indigo customer service, but they said, they can not correct the error that I need to dispute it.
04/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 30315
Web
I received the Indigo card services By Genisis FS Card Services XXXX Approximately 3 months ago. I have sustained a leg injury and have been out of work for several months now. I have gotten some calls from the organization after explaining to them the circumstances.
02/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 299XX
Web
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
03/05/2022 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 190XX
Web
Never used this credit card EVER!! I told them to send me the statements of what I purchased and received a goose egg! I want this removed from my credit report. They rang me up in monthly interest fees! I never used the card! I don't even think I ever activated it!
07/04/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 152XX
Web
I keep getting robo calls from genesis FS card services about a milestone account. I do not have a milestone account or card. They call at least once a day and use different phone numbers every time. I have blocked the numbers many times but they continue to call.
04/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • TN
  • 37334
Web
I was sent a Milestone Master Card that I did not apply for Then I received a bill for that card. That card was disposed of when I received it. Now the company won't close the fraudulent account or cancel the amount owed. They said I had to file a complaint first.
02/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OR
  • 975XX
Web
Ive disputed these 2 items from my credit multiple times an no luck. I got an offer on my email to pay these accounts off an when I took the deal they closed the accounts and then started charging me again saying I still owe even though there closed I have proof.
02/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OR
  • 975XX
Web
Ive disputed these 2 items from my credit multiple times an no luck. I got an offer on my email to pay these accounts off an when I took the deal they closed the accounts and then started charging me again saying I still owe even though there closed I have proof.
05/05/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • IL
  • 60628
Web
Did not apply for a credit card, it said to see if you pre-qualified and NO Inquiry on your credit report!! THEY LIED, I HAVE A HARD INQUIRY AND A CREDIT CARD FROM DESTINY I DO NOT WANT NEITHER DO I WANT IT ON MY CREDIT REPORT! THEY ARE DO FRAUDULENT ADVERTISING.
08/26/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 47201
Web
My soon to be ex-wife took out several credit cards and loans out in my name before she left me a couple of months ago. She currenty has me in about {$30000.00} in debt and i have debt collectors trying to collect from me, and she has my credit score really low.
05/16/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45373
Web Older American
We received a letter in the mail saying we missed a payment and we owe {$530.00}. we called Genesis FS Card services and told them we did not have a credit card with Destiny XXXX. we do not have any XXXX. they told us to go to this site and fill out a conplaint.
08/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 90250
Web Servicemember
CB INDIGO WITH THE Company placed an unauthorized inquiry on my Ctedit report as many others Credit.Cards or car Lending have done same prestige it Means did not fallowed the rules. On my credit file I have a " FRAUD ALLERT " AND IT MEANS ANY ISSUES.CALL XXXX.
05/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • IN
  • 46112
Web
I have attempted to close this account because I have never received a card or any account information from this company but they keep charging fees to the card I have never received. I have paid my balances in full and they still have not closed at my request.
06/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CT
  • 06053
Web
In accordance of fair credit acts the list of accounts has violated my federal rights 15 U.S.C 1681 I have not XXXX giving permission for my info to be shared with. XXXX XXXX XXXX 15 USC I have not giving written construction 15 USC Have violated my privacy
05/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20745
Web
The following late payments are billing errors pursuant to 15 USC 1666b XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
11/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33830
Web
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. CB INDIGO - Past due is XXXX. Then payment status should be current & Comments should be closed.
07/05/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • NC
  • 28540
Web
I did apply for the card but never finalized that I wanted because it was only for {$300.00} and they take {$80.00} of that for fees etc so I didn't want it and never confirmed that I wanted the credit card ... I don't even have the card in my possession...
05/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90601
Web
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CT
  • 060XX
Web
Hi I have settled my indigo XXXX account, my XXXX XXXXXXXX account and my XXXX accounts. They are all telling me they cant remove them from my credit even though Ive settled and paid as agreed. Please help me remove them as negative remarks on my credit.
02/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NY
  • 10573
Web
Hi I received two letters in the mail from different banks saying that they were unable to approve my request for a credit card. Someone has stolen my identity because I have not applied to any one of these companies for a credit card. XX/XX/2022 2022
03/18/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85042
Web
CB Indigo/GF is reporting incorrect information on my credit repot. -Last reported date different with all 3 credit bureaus -Date last Active different with all 3 credit bureaus -Two year payment history information is different in all 3 credit bureau
08/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 17111
Web
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ).
07/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 620XX
Web
XX/XX/2020 I had a missed {$18.00} credit card payment added to my report that was not late, the dates are inaccurate on all three credit bureaus reports and do match up I've reached out and haven't heard responses back on the inaccurate information.
12/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 60585
Web
A credit card was opened under my name and has a balance of {$170.00} and the complaint wont close out the card without me filing this complaint. Had I not received an email this morning I wouldnt even know the card existed as I never received it.
09/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 936XX
Web
Hello I am a victem of idenity theft. There are a lot of items on my credit I did not use or authorize. I have reached out to credit bureaus and creditors providing them with the police report number and my personsal info. I have gotten zero help.
12/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48237
Web
This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of the account or service rendered. XXXX XXXX amount owed {$720.00}
09/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75211
Web
I reached out to Indigo on several occasions regarding this fraudulent inquiry. And every representative that I'd spoke to made it very clear that this a serious matter and that it would be taken care of. And it still remains on my credit report.
10/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • MS
  • 39208
Web
I got a junk email from destiny master card and I dont need a credit card and the email said XXXX XXXX invited and I got a screenshot of the email and I dont know how they got my email address and the words in the email is from another languages
02/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • SC
  • 29607
Web
In regards to account number XXXX, I had consulted XXXX builders on receiving their product but never went into a full agreement. The paper work and contract they provided does not contain MY signature. I never signed any paperwork or contracts.
02/06/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OK
  • 73112
Web
They are reporting this account was open in XXXX the date of delinquency was over XXXX years ago almost XXXX Ive asked it to be fixed and it hasnt they refuse to send me statements and they called my step mom and have her all my personal info
06/13/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89141
Web
I submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry that would not affect my credit score ; however upon review of my XXXX credit report it appears as hard inquiry which resulted in drop of credit score.
06/13/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89141
Web
I submitted application through XXXX XXXX and was advised that inquiry would be soft inquiry that would not affect my credit score ; however upon review of my XXXX credit report it appears as hard inquiry which resulted in drop of credit score.
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 237XX
Web
Three credit cards were opened in my name. XXXX XXXX XXXX XXXX for {$500.00} XXXX XXXX for {$3200.00} XXXX XXXX for {$330.00} I have reported these cards to the perspective companies. The accounts have been closed and are under investifation.
03/15/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28213
Web
There are four accounts on my credit report that are not mine XXXXXXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX - XXXX XXXX {$420.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXX {$370.00} XX/XX/XXXX
09/27/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23434
Web
A Genesis FS Card was opened on XX/XX/2022 under my information, however I did not open this account. The card has a balance of {$1500.00}. I have contacted Genesis to report it fraud. I have also reported identity thief with the police dept.
09/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 79936
Web
I received a notification from XXXX XXXX about opening a new credit card that I know I didnt applied for, the account was opened as of XX/XX/XXXX and received the notification on XX/XX/XXXX. I called the credit card and filed a fraud claim.
08/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • WI
  • 54880
Web Servicemember
I received a bill in the mail for a milestone credit card from genesis fs card services ( account ending in XXXX ). I did not apply for this card. I have not received this card and I don't want this card. Bill date I received was XX/XX/2022
11/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85042
Web
Sent letter, requesting validation of debt ; SIGNED CONTRACT. No validation of CONTRACT has been provided. Stated that if valid contract CAN NOT be provided to validate this debt then this company MUST REMOVE from all of my credit reports.
12/17/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 341XX
Web
They closed my account in XX/XX/2022 reopened, slammed me with the annual fee, then restarted my credit reporting. Company is complete fraud. Called a XXXX times on the payment issues. Kept adding on fees and charges for returned checks.
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32771
Web
im being told I applied for credit for furniture which is incorrect from XXXX retail over {$700.00}. ive advised I have recently received or purchased furniture. ive asked when the application was done & where but no information received.
04/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MA
  • 02324
Web
Took settlement offer with credit card company and paid it. For 2-3 weeks after they continue to call and email me saying I need to make a payment. The money came out the same day. I told them to stop calling me and they still continued
04/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • NC
  • 28540
Web
Was told that on XX/XX/2023 a genesis fs card service had a open credit account for myself and when trying to verify the address it was not my current address on the account because I never open this account for the destiny credit card
10/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • XXXXX
Web
Your company is in violation of the fair credit reporting act 15 U.S.C 1681s-2 ( A ) 15 U.S.C 1681s-2 ( A ) prohibits furnishers to report information with actual knowledge of errors to the consumers credit file. See Dispute attached
08/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • NY
  • XXXXX
Web Older American, Servicemember
I have automatic payments with the credit card company Destiny Mastercard @ XXXX a month in this month they have taken out XXXX payments which is not specified in my auto pay XX/XX/XXXX {$40.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$40.00}
01/17/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • XXXXX
Web
I have tried to contact Genesis- XXXX credit card and spoke with the rudest employee ever. I am trying to dispute a charge for the portion of the billed amount for my loveseat which is XXXX. Genesis has made it difficult to do this.
08/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19139
Web
On XX/XX/20 XXXX Genesis.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
09/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 151XX
Web
I called to close my account in XXXX. The company assured me that the account was closed. Months later they charged me {$5.00} on an closed account and reported a late payment when the account and closed and cleared months prior, l.
06/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 754XX
Web Servicemember
Credit limit of XXXX. Thought I had closed my account and apparently still had a balance during the time I was still catching up from being unemployed during the Covid pandemic. Being charged almost {$3000.00} in fees and interest.
02/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 452XX
Web
A Destiny Mastercard was opened in my name that I didnt authorize the description is FEB DESTINY/GF the debit is {$770.00} as of XX/XX/2023 I am a victim of identity theft someone stole my personal information to open this account.
02/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 631XX
Web
XXXX/ Destiny credit card balance was incorrectly posted to my XXXX credit report. It says the balance went from XXXX to {$270.00}. The statement is below you can CLEARLY SEE THE BALANCE IS XXXX. How are these errors occurring???
07/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29485
Web
Account disputed with credit bureau came back on XX/XX/XXXX with resolution of " updated '' however all data remains the same further more status update shows update XX/XX/XXXX which proof not proper investigation was carried out
06/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30034
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
01/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 291XX
Web
The company is currently reporting two missed payments on my account. I was never late, Ive reached out to them on multiple occasions to have this resolved. Spoke with two agents and they both was promising to have them removed.
11/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WA
  • 98116
Web
I have been a attempting to close my Destiny Card ending in XXXX. I can not get a hold of a human at this company. There is no email address. No one answers the phone. They have a XXXX XXXX for correspondence. It's ridiculous.
07/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53211
Web
XXXXXXXX XXXX is reporting late payments while in active XXXX XXXX bankruptcy. The bank received notification by mail XX/XX/23. The bank is violating my automatic stay federal rights and also improper use of credit reporting.
08/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 77477
Web
I set it up on auto bill pay with my bank for XXXX for the month of XXXX but the payment never went through and I wasnt notified until XXXX. I asked for a one time courtesy. I sent in bank statement showing it was on auto pay.
11/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19143
Web Servicemember
Several inquiries was made without my knowledge from Milestone XXXX XXXX XXXXXX/XX/XXXX and Destiny XXXX XXXX XXXXXX/XX/2021. I have no knowledge of these other inquiries and wish to have them removed off my XXXX XXXX report.
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MS
  • 386XX
Web
This account is on an income driven payment plan and up to date and should not be listed as adverse. Also interest rates applied to balance are inaccurate. Account exceeds 7 years of being able to be listed on credit report.
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MS
  • 386XX
Web
This account is on an income driven payment plan and up to date and should not be listed as adverse. Also interest rates applied to balance are inaccurate. Account exceeds 7 years of being able to be listed on credit report.
06/15/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77077
Web
I attempted to resolved the debt with Destiny Card numerous times before the balance was discharged but everytime I called to make a payment there was some error with their system. Due to this I was never able to pay online.
09/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • IL
  • 625XX
Web Older American, Servicemember
I got a Destiny credit card in mail today. I never applied for it, so called company and they had all my information. When I told them I did not apply she said cut up and they will investigate but also to contact you guys.
03/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • VA
  • 23112
Web
I called numerous times to discuss the alleged account, but no one responded nor did I give consent for the credit card companies to give my personal information out, this violates my privacy per US congress consumer law.
02/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • GA
  • 30082
Web
I received a bill in the mail stating I have an annual fee of {$170.00} due for a card Ive never applied for or even posses. I called the company, they told me to come here and make a report of it and fax them afterwards.
01/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NV
  • 89128
Web
Genesis. Destiny. Credit. Card. Pre-approved. Me. For. A. Credit. Card. With. {$700.00}. Credit. Line. And. Asked. Me. To. Send. Identity information. Which. I. Did. Still. They. Refuse. To. Issue. Me. The. Credit. Card?
03/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AZ
  • 85339
Web
I disputed a debt with this company, on XXXX XXXX and they fail to report the dispute to the credit bureau. I'm seeking legal consul and the is a violation of FCRA section 623 which carries a fine of XXXX XXXX dollars.
08/26/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • IN
  • 47201
Web
My soon to be ex-wife took out several credit cards and loans out in my name, and now has me {$30000.00} in debt. My credit score is destroyed and i have debt collection agencies constantly trying to get money from me.
08/26/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • ND
  • 58701
Web Servicemember
I believe this is credit fraud since i did not filled the application or requested anything to do with this credit card company ; i should not have to pay anything on this card. I did not request or activate this card.
12/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 618XX
Web
I contacted the company in XXXX to dispute a fraudulent account in collections but they have ignored my police reports, affidavit, and FTC report and continue to report the inaccurate information to the credit bureaus.
03/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 554XX
Web Servicemember
Debt collection agency 12 genesis fs Has been reporting debt I don't own they with credit card terms not agreed to. Also furnish wrong amounts and terms for years with no ownership of debt and wrong amounts knowingly.
11/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • AZ
  • 856XX
Web
Sent card not wanted and did not activate called the card customer service demanded to remove the bill for it, now I'm following up with identity theft to complete close and resolve this error.Thank you XXXX {$190.00}
03/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AZ
  • 85339
Web
I disputed a debt with this company, on XXXX XXXX and they fail to report the dispute to the credit bureau. I'm seeking legal consul and the is a violation of FCRA section 623 which carries a fine of XXXX XXXX XXXX.
06/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • GA
  • 30016
Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and there is no update very much over 30 days, no results nor feedback.
04/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34711
Web
I received an email for opening up a credit card through this company that I've never heard of. They're telling me that a credit card will be sent to me in 7-14 business days but I never applied for any credit card.
03/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60620
Web
They said it was fixed and they would issues a new card with the correct amount and it never happened. I called and they informed me it was in collection they took one off the got it reporting two of the same cards.
10/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33063
Web
I did not authorized CB INDIGO bank This is a violation of my rights under Fair credit reporting act. I have the rights to privacy it also states a consumer can not furnish a account without my written instructions.
04/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • PA
  • 19120
Web
Sent documents to CB INDIGO/GFrequesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from CB INDIGO/GF.
01/21/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IN
  • 46383
Web
A credit card was opened in my former name with charges with XXXX XXXX. The card was opened and {$1900.00} was charged. I reported this to all my credit reporting companies and notified the credit company companies.
12/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60628
Web
so check this out, I went to get a job and was denied due to things on my report that don't belong to me. there is a car loans and credit cards that don't belong to me at all and they are a result to identity theft
11/11/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • OH
  • 444XX
Web Servicemember
I am being callex 5 to 6 times a day 7 day a week by XXXX credit card ( indigo and milestone cards. I was injured at work and missed a couple of payment because i was off and they have doubled my balances w fees.
04/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 33710
Web
Open date XX/XX/XXXXXXXX XXXX Closed date XX/XX/XXXX Cb indigo credit card I payed off card amount account is still under collection request for it the item to be removed. Been more then 30 day since I payed off
06/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MS
  • 38654
Web
I have called and sent letters stating this was fraud, they even had a different mailing address, after I gave them my information with mailing address that Ive had over 30 years, they are sending the bill to me
07/19/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 765XX
Web
Everyday of the week for the last couple months same numbers calling repeatedly, even if I answer they hang up. I ask them to not contact. day and night phone calls even on XXXX, its giving me XXXX and stress.
11/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 397XX
Web
CB indigo is reporting I have late payments on my account which I do not. The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.
09/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • PA
  • 19135
Web
I have made all of my payments on time. I also have the right to privacy. A consumer agency can not furnish an account without my written instructions. I wish for my payment history on my account to be changed.
03/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60016
Web Older American
i called three years ago that i lost my card no one answered me only when i was put in the Collection Agencies i call them and i offered {$170.00} one time pay and they refused what i should do Thanks XXXX XXXX
06/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 33445
Web
Company charged me after account was called in for fraudulent activity. Wanted me to pay for fraudulent charges without contacting me back from a call I had with XXXX I was penalized for my wallet being stolen
04/18/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30813
Web
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
11/21/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77055
Web
Weote to this company a few times about them trying to collect a debt that they arent legally able to do so. They are not licensed to collect any debt in my state and couldnt provide me with proper licensing
06/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11701
Web
XXXX XXXX XXXX calls me XXXX times on a daily basis. As soon as I pick up, they call me by my husbands name, which is XXXX. In addition, they have tripled what the original credit card amount was thats owed.
08/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60628
Web
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.
11/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
03/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 32773
Web
XX/XX/2023 Milestone Credit Card company closed my accounts without gaining a verbal consent from me and refuses to reopen my account and is holding my available credit. Employee name XXXX XXXX ID : XXXX
06/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 074XX
Web
someone staying in my home used my information to obtain credit cards and unemplyment in my name, i am a nurse and never stopped working, worked long hours, and she would get the mail, so id never see it.
09/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Called before 8am or after 9pm
  • OH
  • 44313
Web Servicemember
Geniuses card service they won't work with you Geniuses card service have called close to 400 times in the past week all day all night they even went has far they disquie there number it come up has XXXX.
04/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • NJ
  • 080XX
Web
Someone open a credit card under my name i received a statement in my address that a fee has to be paid im not working Im XXXX I already call the company calls indingo I explain and they said to report it
09/22/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MA
  • 01020
Web
Received the fake email from milestone for credit card offer for {$700.00} I know it's because there's a lot of other stuff that's with this that makes no sense that somebody trying to get my information
03/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • TX
  • 762XX
Web
In XX/XX/2022 I cancelled my account and had the credit card company close my account. Now I am seeing that they are attempting to charge me a yearly fee of {$100.00} for that same account / credit card.
03/15/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33702
Web
They keep putting inaccurate remarks and information on my credit report every week causing my score to drop every week. These remarks and inaccurate information needs to be deleted off my credit report.
02/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • NC
  • 28379
Web
I am a XXXX and in XXXX and XXXX I continued to be reinfected with XXXX. XXXX created a massive health and financial struggle in my life. I would appreciate the account be removed from my credit report.
06/14/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33056
Web
I have a new hard inquiries on my credit report. I do not recognize any of these inquiries. my name was also altered and added incorrectly and fraudulently that was also reported on my credit profile
06/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 95621
Web
I am disputing this account and need verification as to my correct address, time of opening account, last activity on account, excessive interest and fees, please investigate 100 % entirely. thanks
07/12/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 95351
Web
On XX/XX/2023 someone used my social security to open a XXXX credit card and used {$900.00} of the {$1000.00} credit limit in a city I never been too. I contact all credit unions and put a freeze.
10/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • GA
  • 30331
Web
I have not received a bill or replacement card from this company and they continue to charge me late fees. I cant log into the account online because it says youre account is currently unavailable
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 184XX
Web
I have a XXXX XXXX credit card that is paid off, I have a new milestone card that is paid off as well. They took over XXXX points in a 1 week. Even when paying my minimum. Now they both paid off.
06/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MD
  • 20743
Web
I received letters in the mail stating that a credit card, and change of address was made on my account with Genesisfs Card Services. The problem is I never applied for this credit card service!!
06/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • PA
  • 189XX
Web Servicemember
Milestone Mastercard Credit has contacted my father multiple times via text message and disclosed the history of the account, account debt amount, and ways to pay. Last occurred XX/XX/2023 XXXX
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75150
Web
Shows a hard inquiry on my credit report that I never done. It was for CB Indigo on XX/XX/2022. I called them directly and told me it was going to be removed around XXXX and never went through.
05/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 60586
Web
A indigo credit Card was opened in my name. Now its been reported on my credit as closed account due to inactivity but still reporting of payments has been late and then on time the next month.
12/20/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30092
Web Servicemember
On XX/XX/2021, I realized that two duplicate payments of {$370.00} is showing on my Transaction billing and payment history for my Indigo Genesis FS Card Services account. Please see attached :
03/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • XXXXX
Web
I received a card from Milestone Mastercard by The XXXX XXXX XXXX that I did not request. I called and informed them. They mentioned that after the card was opened, someone changed the address
02/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AL
  • 36109
Web
Destiny Mastercard discriminate against me by lieing that the reason for denying me they could not obtain credit score.And in violation of equal protection.And in violation fair protection act
11/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 75024
Web
There were two XXXX accounts opened in my name and ssn fraudulently. Company is Genesis FS Card Services XXXX XXXX XXXX XXXX, or XXXX Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Charged for a purchase or transfer you did not make with the card
  • CO
  • 81501
Web Servicemember
I did not open nor charge any purchases onto the Destiny credit card. I have tried to reach out to the company without any response. Any assistance with this being removed would be helpful.
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78717
Web
My account with Indigo card services was paid in full on XX/XX/2021 and the account was closed, however it is still reporting negatively on my account and greatly affecting my credit score
05/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 206XX
Web
Checked credit report Destiny has been reporting missed payments to my credit report. The account has been settled for months but continue reporting missed payments and false information.
08/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 270XX
Web
Unauthorized inquiries on my credit report CB Indigo XX/XX/22 Ive attempted to make contact by mail and phone. Ive received no response by mail. Phone calls are consistently disconnected.
11/10/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Personal information incorrect
  • NJ
  • 07111
Web
Please verify and account that account belongs to me since my name and adress are wrong .Per credit fair report act any inaccuracies such as : incorrect name and adress should be deleted.
05/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CA
  • XXXXX
Web Older American
As of : XX/XX/2022, when I got my Destiny MasterCard, through : FS Genesis Cardholder Services , Inc., they haven't changed the First Name on my Destiny MasterCard, to : XXXX XXXX XXXX.
01/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • UT
  • 84047
Web
I recently lost my job on XX/XX/22. The recommended credit card protection company failed to make monthly payments per the agreement and this has impacted my credit report negatively
08/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Problem lowering your monthly payments
  • CO
  • 81001
Web
Genesis FS Crd ( ( XXXX ) XXXX ) I make my payments, usually on time, but at this moment in time, I am a little late in payment, but 134 calls in under 6 months? This is harassment.
08/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • LA
  • 70570
Web Servicemember
I paid using my payment coupon and the company did not honor it. I would like my card and account to reflect I have paid on time always. CB/Indigo . I paid 3 bills using this method.
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MI
  • 48111
Web
The investigation took longer than 30 days. I have attached my dispute letters I sent to XXXX, XXXX and XXXX which date my first letter to XX/XX/23 and my second letter to XX/XX/23.
01/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • VA
  • 22556
Web
I received a letter from a company saying thanks for applying for a credit card. I never applied for a card. The company is Genesisfs Card Services, XXXX XXXX XXXX, XXXX, OR XXXX.
02/17/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33647
Web Older American, Servicemember
Well what happen is that someone try to open an acct with XXXX XXXX, XXXX dept store, Indigo credit card and i did not apply on these places.and really do not know the procedure.
01/07/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 91335
Web
I have an inquires from this company on my credit report from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX that I did not authorize. The company is called Genesis Financial Solutions
07/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • SD
  • 575XX
Web
I currently have a card with Milestone and am facing reduced hours due to the XXXX time. I am requesting a postpone due date till XXXX and with no affect on my credit reports.
03/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • GA
  • 30033
Web
The company was fraudulently claiming to be Destiny Master card, asked for my id information. Faxed License and SSN card to them. I am worried that is is an identity theft scam.
04/25/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • IL
  • 616XX
Web
Was approved for a card in XXXX of this year. Never received card, Never activated nor used card Company tried to charge me a 75 usage fee for a card that wasn't even activated!
07/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94596
Web
I pulled my credit report and noticed a few accounts that were not mine nor did I apply for this. Density card. XXXX XXXX XXXX as of today 's date both are not belong to myself
07/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28078
Web
The credit card company continues to report inconsistent and incorrect payment history every month. I have disputed the account many times and each time its a different outcome
01/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • LA
  • 70461
Web
This account was opened in my name this is a fraudulent account I have tried to resolve the issue with the credit card company Destiny Account # XXXX no progress has been made.
05/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 37086
Web Servicemember
3-4 calls each day. Repeatedly asked to please stop calling. They continue to call 7 days a week. Currently making an effort to pay on debt. Please make them stop harassing me.
01/22/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89141
Web
Inaccurate Information being reported. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am a victim of identity theft.
04/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 609XX
Web
Letter received that a XXXX card application was received and denied by Genesis fs Card Services, XXXX XXXXXXXX XXXX. This is fraudulent as I never made any such application.
01/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • WI
  • XXXXX
Web
I noticed an inquiry on my XXXX XXXX account I called the card company and told them I did not apply for their card well I ended up receiving their card anyway and a bill
01/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AR
  • 723XX
Web
This company claims I owe them an alleged debt. They are reporting negative information on my credit. I did not and I do not give them consent to report on my credit report
08/31/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 60640
Web
Account was charge twice for bill on credit card Genesis one on XX/XX/XXXX Which was authorized for {$45.00}. The other was XX/XX/XXXX which was unauthorized from {$43.00}.
02/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 631XX
Web
Wrong balance reported on my XXXX and XXXX credit reports negatively impacted my credit scores and ability to get a better interest rate on new credit. Statement attached
01/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33409
Web
I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.
01/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33409
Web
I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.
03/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 77584
Web
I was approved for a {$300.00} credit limit. Upon activating my card I was charged a {$75.00} annual fee. I want this waived as I have not even attempted to use this card.
03/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 776XX
Web
My account was set up for automatic payments, it shows that I missed a payment. I contacted the company and they said it was a mistake on their end. ( Indigo Mastercard )
04/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • 41011
Web
I have autopay turned on and my on-time payment percentage was decreased from 100 % to 95 % effecting my credit even though the payment was auto-paid as per their system.
05/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 774XX
Web
CB Indigo reports a debt of {$710.00} I submitted a debt validation to company on XXXX received a letter back on XX/XX/ stating they were not able to locate an account.
10/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92879
Web
I did not ask XXXX XXXX XXXX to run my credit and I did not contract or agree for them to put anything on my credit consumer report nor run my credit on XXXXXXXX XXXX
05/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MD
  • 20852
Web
I received a statement from Destiny indicating I have a credit card with it, ending in XXXX, which I have never applied to and I have never heard about this company.
09/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • IN
  • 46237
Web Servicemember
I received a bill from XXXX, XXXX for {$59.00}, and never applied for this card which I never received anyway. please cancel any membership I may have XXXX XXXX XXXX
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 212XX
Web
It was brought to my at attention XXXX XXXX XXXX under section 1681s-3 has by law has not ask for my permission to share my utilization of credit to XXXX and XXXX
01/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10029
Web
This is updated information! I've contacted this company numerous times to report identity theft, this account is not mine. I submitted a FTC Identity theft report.
10/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 95831
Web
Milestone credit card statement was sent to me and charge me. I did not apply for this. I don't know how to dispute this and erase it from from my credit history.
03/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MI
  • 48423
Web
Someone opened an account with my name called milestone credit card info on XXXX. XXXX was XXXX dollar limit they charged XXXX dollars acount.opened XX/XX/1922 22
10/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 33612
Web
XXXX XXXX is late taking payments and now are ruining my credit and a late fee are late getting, and I asked for it to be closed, and they need to be investigated
06/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 956XX
Web
I never opened an account! I have no credit cards! It's fraud! Why does it take me forty minutes to report this online! Indigo Mastercard is a fraudulent company.
12/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07052
Web
CB Indigo has fraudulently added a collections charged off on my credit report for a card that I never used or received and did not want because of an annual fee.
05/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10457
Web
Genesis FS Card services unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report.
08/26/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NV
  • 890XX
Web
They closed my account after i enrolled in credit protection. was unable to make payment due to hardship and they assured me that my account would not be closed.
04/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 54601
Web
Genesis FS card services XX/XX/2021 This account should be removed off of my credit report history file, and was made fortunately against my credit I contact him
12/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32607
Web
I checked my report and saw that XXXX XXXX and Milestone were incorrectly reporting late payments. I paid both cards off before due dates but they reported late.
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11729
Web
I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit shows 3 hard inquiries that I did not authorize.
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11729
Web
I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit shows 3 hard inquiries that I did not authorize.
09/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 439XX
Web
My Credit Score Report states I have a account with CB Indigo- Bank . I have never heard of it nor I ever apply for an account with them. CB Indigo- XX/XX/23.
09/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 38133
Web
Genesis FS has failed to accept the terms of the agreement with XXXX XXXX XXXX. They accepted the payments that means they accept the terms of the agreement.
11/08/2021 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28216
Web
This collection agency is in violation of the law and did not gave such validation also reported inaccurate and misleading information from my credit report.
05/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 35405
Web
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and still haven't received any investigation results.
06/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AL
  • 35242
Web
Two cards were opened by this company fraudulently. I have fraud alerts on my credit profile and was not contacted before this company opened these cards.
12/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43219
Web
I have never had a credit card with this company. I know my information has been used without my permission. Please remove the item from my credit report.
09/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • OH
  • 44483
Web
someone opened a fraud credit account with genesisfs in my name. there address XXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX they told me to report it to you.
02/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 109XX
Web
I have filed a dispute in regards to incorrect items on my consumer report. It has been well over 30 days and I havent received any investigation results.
11/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30127
Web
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
02/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 441XX
Web
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
07/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • GA
  • 30906
Web
I didn't make the transaction on the card. Going through identity theft. So you close my account and left me with the bill, which is effecting my credit
09/07/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77803
Web
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results
05/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CO
  • 80504
Web
FEB DESTINY sent me a card I never applied for then reported it on my credit with a {$75.00} balance I never used the card or even activated the card
09/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30106
Web
Please see the attached affidavit describing the illegal reporting of a debt not owed, to the credit reporting agencies by Genesis FS Card services.
04/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60426
Web
Incorrect Information, account closed or no balance., Companies give me the runa round send me to employees that can not help or has no information
01/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30542
Web
Checked credit report and I have alot of hard and soft inquiries on there that I didn't do, or apply for. Lost phone with all my information in it.
08/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MS
  • 39466
Web
I never applied for this card. They just sent it to me in the mail and it has extremely high fees. I never apply for any Credit card that has fees.
05/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KS
  • 66061
Web
XXXX XXXX XXXX XXXX claims that I owe them {$700.00} plus dollars. this is fraudlunet as I paid the origional creditor the amount the balance due.
06/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60432
Web
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.
06/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60432
Web
I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33703
Web
NOTICE SOME ITEMS ON MY REPORT THAT DONT BELONG TO ME! IN THE PROCESS OF REMOVING ALL THESE ITMES. NOTICE THESE ITEMS IN THE BEGINNING OF XXXX!
02/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 11234
Web
I never opened the Destiny Mastercard but received a bill in the mail. I checked and noticed that this bill is also on my XXXX credit account.
10/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19132
Web
I recently received a copy of my ( XXXX, XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.
10/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AR
  • 718XX
Web
I do not have no knowledge of these inquiries these hard inquiries involve identify theft that has to be removed no more then 4 business days
01/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IL
  • 60406
Web
XXXX XXXX XXXX really affected my ability to pay my creditors so I am asking for the charge off to be removed from all XXXX credit agencies.
03/16/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • TX
  • 77373
Web
Received a bill for a indigo credit card which i never applied for and was charged fees for a card i don't have and account i never started
04/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 656XX
Web
I looked at my credit report and someone opened a card in my name! I disputed it with XXXX. Very upset! It's called Destiny credit card FS
01/30/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 285XX
Web
XXXX has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late.
04/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MT
  • 599XX
Web Servicemember
Applied for the card, was approved, didn't receive the card after 4 attempts over a period of over 6 months, but kept receiving a bill
02/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 91356
Web
XX/XX/XXXX I've called the credit company because I didn't apply for credit now I've owed 2 accounts without knowing what is going on.
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77479
Web
The closed account reflects a late payment that was never late. The creditor has not removed the late payment nor deleted the account.
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • XXXXX
Web
None of these banks, I bank with or have an account with! I do not recognize signing up for anything! Or someone used my information!
07/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 11223
Web
This. Milestone credit card is not mine. Never open this account and thay want me to pay it. And the destiny credit card is not mine
04/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AL
  • 351XX
Web
Received a letter stating card was placed on hold until they. receive identity verification documents. from genesis fs card services
02/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92114
Web
There are unauthorized fraudulent accounts on reports from these companies, Ive never authorized or had a account with this company.
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 93552
Web
I Want All of these inquiries deleted immediately because I did not authorize these companies to Run my Credit that is Fraudulent!!
03/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36109
Web
I was paying on time with all of my bills but I was involved in a bad accident and still was paying but they reported me being late
03/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30044
Web
I have several inquiries on my credit report that I have seen recently, that is negatively affecting my credit rating and scores.
01/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • RI
  • 02860
Web
Never had a late payment with this company, its was a missing check thats didnt get to them on time but they finally received it
04/18/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OK
  • 740XX
Web
Credit card opened without my consent. The company wil not close the account fully unless I report it here. Company name indigo
01/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19134
Web
Late payment remarks by XXXX XXXX XXXX and milestone Mastercard without consent. They need to be removed for privacy reasons.
09/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48237
Web
Credit inquires are not correct open accounts or pass debts are invalid on my report that are being reported to credit bureaus
10/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30281
Web
Genesis FS CARD SERVICES failed to give me the proper disclosures under 15usc6802, also known as the Gramm-Leach-Bliley Act
06/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30815
Web Older American
XXXX was charged {$140.00} on a Fraudulent purchase on XX/XX/2022. I sisputed the charges and notified credit card company.
09/29/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • KY
  • 402XX
Web
I have three cards through Genesis FS card services and they recently closed all three of my cars without any explanation.
10/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 027XX
Web
Genesis Has called me 4-7 times a day every day of the week. Im out of work due to health issues and have told them that.
08/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19139
Web
I am not responsible for this debt and we do not have a contract. In addition, you lack a license to collect in my state.
11/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 90017
Web
XXXX did Hard inquiries on my account that i had nothing to do with. I believe i am a victim of Fraud and identity theft
11/02/2021 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 76017
Web Servicemember
I was a victim of identity theft, someone used my information to make a purchase on a XXXX XXXX account that I dont own
02/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 184XX
Web
A a destiny credit card has been open in my name not by me. I do not have a physical card or have I ever received one
09/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 32177
Web
I have called the company they told me they would close it but if an account is closed why is it showing on my credit
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • IN
  • 46202
Web
I am wanting these inquiries to be deleted because I did not authorize these companys to run my credit this is fraud
11/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33060
Web
I do not own this account! This account does not belong to me! I have never opened a card or loan with this company!
07/13/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46322
Web
They reported the account late 30 and 60 days in XXXX and XXXX even tho it was paid off and then closed the account.
10/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • MI
  • 48314
Web
A credit card was opened without my consent or knowledge and I just found out about it through a collection agency.
05/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19007
Web
I contacted the company multiple times over the years regarding about this account. still remain on credit report.
03/31/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 43230
Web Servicemember
This card is closed and being sold to another Debt collector, and is being reported on my credit report as open.
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • FL
  • 33770
Web
Someone filed for credit cards in my name and I found out when I went to make a truck purchase and was declined
09/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30094
Web
Noticed some accounts on my report that were not authorized. Reached out to creditors but no luck, please help.
04/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • FL
  • 33321
Web
Information was stolen after being thrown out of my home. Been trying to reach credit company to close accounts
11/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 79606
Web
Genesis FS Card Services said I opened a Destiny XXXX Account earlier this year but I never opened the Account
07/21/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • WY
  • 829XX
Web
Some one in Texas Fraudulantly opened a FEB DESTINY credit card in my name and it is now on my credit report.
11/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33404
Web
Various different information provided from credit bureaus. Please verify. If not, please remove and delete.
01/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AL
  • 350XX
Web Older American
I spoke with Milestone Credit Card Fraud this morning. I was told to fill out this form and Fax it to them.
12/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 445XX
Web
sold information to third party breach of contract reporting to credit report without prior written consent
12/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31907
Web
I would like these inquiries removed off of my account because I did not authorize them to run my credit.
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48237
Web
I was doing a routine check on my credit score and came across credit inquiries that were not made by me.
10/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 14450
Web
I've paid them and they still are showing that I'm derogatory. My next step is to file a court petition.
04/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 230XX
Web
Suspicious new credit card account opened in my name. I did not open this account or made any purchases
06/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • XXXXX
Web Servicemember
Genesis online trading platform they will scam my money they will close withdraw money from my account
08/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30066
Web Servicemember
An account was opened with Genesis financial solutions XX/XX/23 that I didn't approve there is a XXXX
09/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • KY
  • 41015
Web
Received a credit card bill for {$78.00}. I never applied for this card. I never received this card.
09/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 620XX
Web
I just so happened to check my credit report and I noticed hard inquiries that I knew nothing about!
03/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • OH
  • 45241
Web
Credit card company issued three cards to impose more fees vs issuing one card with a higher limit.
06/15/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • CA
  • XXXXX
Web Older American
Card company changed my billing date, moved up XXXX day so this company could charge me late fees.
11/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23462
Web Servicemember
The credit hit has blocked me from getting approved for a mortgage and the payment has been made.
04/22/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NJ
  • 07042
Web
Credit Card account fraudulently opened. I did not apply for the credit card with the merchant.
09/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77340
Web
My Identity was stolen and there are auto loans and credit cards in my name that I did not open.
12/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33880
Web
I checked my report on XX/XX/2021 and see this negative report and is affecting my credit file.
02/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19120
Web
I have noticed on XXXX there are items reported on my credit profile, I did not take charge.
07/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 90804
Web
I have XXXX hard inquiries that were added to my report on XX/XX/XXXX that I did not submit
07/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 90804
Web
I have XXXX hard inquiries that were added to my report on XX/XX/XXXX that I did not submit
03/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • FL
  • 33073
Web
They keep charging me the annual and I keep asking to waive it the annual fee is too high
05/18/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33971
Web
In the past couple of months, someone opened 7 accounts under my name using my identity.
11/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23452
Web
I never had this credit card and its affecting my credit and they keep sending me stuff
01/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23324
Web
There are Inquiries that are reflecting on my credit report that I have not authorized.
01/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23324
Web
There are Inquiries that are reflecting on my credit report that I have not authorized.
11/23/2023 Yes
  • Prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • CT
  • XXXXX
Web
I didn't apply for a card, and I have a hard inquiry on my credit report. Fraud alert
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92374
Web
VICTIM OF IDENTITYBTHEFT PROVIDED WITH PROOF OF FILING TO FEDERAL ENFORCEMENT AGENCY.
03/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10458
Web
Accordi g to credit report, accoubt was opened XX/XX/2020 for a credit limit of XXXX.
11/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 49307
Web
Unauthorized credit inquiries on my credit report from CB INDIGO on XX/XX/2021 2021
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33161
Web
XXXX is reporting an inquiry from Milestone that is due to be removed at this time
10/11/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • GA
  • 304XX
Web
CB Indigo is the company. It's been closed by guarantor. I never owned this card.
11/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • FL
  • 33055
Web
XXXX - XXXX Was opened on XX/XX/2021,, with a {$400.00} of balance.. i dont know.
02/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 91950
Web
Received a statement, saying payment is past due. Never applied for credit card.
09/23/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27804
Web
Indigo already saying I owe {$720.00}. Dollars already only $ XXXX.credit limit.
07/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • WA
  • 98002
Web
Close the account and remove the fees associated with an account I never used.
12/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • TX
  • 786XX
Web Older American
It keeps saying I got an indigo credit card.. but I have never applied for it.
06/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30180
Web
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.
04/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • GA
  • 30281
Web
this account is old and dont recognize it and i need it tooken off my account
09/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48220
Web
Account was reported as past due over 30 days which it should not have been
06/28/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 11710
Web
The account was paid off and I was told it would be deleted. After payment.
01/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OR
  • 97140
Web
Credit card was opened fraudulently without my knowledge. Creditor is XXXX
04/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 32771
Web
Someone used my information to open up a Destiny Credit card under my name
08/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 45005
Web
This is a fraudulent account, someone opened in my name, several years ago
06/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 239XX
Web
I got a bill from milestone about a credit card i did not have. XX/XX/2022
04/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 91770
Web Older American
I am being billed after the account has been closed with a XXXX balance.
02/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • IN
  • 466XX
Web
I keep getting emails about how Ive been pre-approved for credit cards.
02/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CT
  • XXXXX
Web
Someone is trying to open a credit card under my name and was denying.
09/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33028
Web
I have never applied or been on there site this is surprising to see
12/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95757
Web
i already paid the indigo card. paid it XXXX XXXX i want it removed.
10/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • GA
  • 30512
Web
Theirs a FL address add on my credit report that Ive never lived at
04/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06051
Web
I never apply to this bank or gave them permission to use my credit
02/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • NY
  • 12303
Web
They charging me a Freud Credit protection that I never agreed to.
01/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33409
Web
XXXX was paid and still not showing the updated correct balance
03/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 793XX
Web
A Credit card was opened in my name without me applying for it.
10/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30252
Web
XXXX XXXXGENESIS Financial not conducting timely investigation.
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 53216
Web
Balance has been paid off but still shows on my credit report
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 604XX
Web Servicemember
Ive tried multiple times to dispute these, they are not mine.
03/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 487XX
Web
Nothing happened or action was taken to cure problem at hand.
09/11/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • MN
  • 554XX
Web
I never applied for a credit card from this company at all.
11/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 397XX
Web
This company is reporting hard inquiries that I did not do.
02/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 13440
Web
Late payments on my credit report is a privacy violation.
04/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • NY
  • 100XX
Web
A bunch of companies sold my information without consent
04/07/2022 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31093
Web
Somebody stole my identity and open accounts everywhere.
04/28/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60649
Web
Cb indigo XX/XX/2021 constant dispute have no knowledge
09/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30094
Web
Noticed inquiries on my report that werent authorized.
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60466
Web
information has been reported to my credit unlawfully.
04/25/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 01420
Web
So I have XXXX account in my credit that is not mine
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60617
Web
Unauthorized credit inquiry from XXXXXXXXMilestone
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07018
Web Servicemember
Did not authorize these companies to run my credit
07/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 32218
Web
sent my account to collections and being harrased.
07/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91977
Web
Will provide proof of identity theft police report
04/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CT
  • 06051
Web
I did not authorize this company to use my credit
08/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • VT
  • 051XX
Web
Someone got a credit card in my name and used it!
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30305
Web
The business was unauthorized to run my credit.
03/18/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95660
Web
I did not make none of these hard inquiries...
09/06/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • AR
  • 72015
Web
Card opened without my knowledge or consent.
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28078
Web
Late payments are incorrectly being reported
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11433
Web
Inaccurate information on my credit report.
10/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 075XX
Web
Acct # XXXX reporting incorrect information
01/18/2022 Yes
  • Credit card or prepaid card
  • Government benefit card
  • Problem getting a card or closing an account
  • Trouble getting, activating, or registering a card
  • PA
  • 166XX
Web
Never received card from approval in XXXX
02/03/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 339XX
Web
Account closed without my consent.
03/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29621
Web
I did not open this account
04/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11435
Web
Disputed item not removed,
02/04/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OK
  • 73120
Web Older American, Servicemember
02/03/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 34736
Web
02/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33185
Web
02/01/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30043
Web
02/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33321
Web
01/31/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 630XX
Web
01/31/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MO
  • 64468
Web
01/31/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30680
Web
01/31/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MD
  • 20707
Referral
01/31/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 17404
Web
01/30/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20774
Web
01/30/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MI
  • 48071
Web
01/30/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 74436
Web
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OR
  • 97305
Web
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77449
Web
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77449
Web
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33896
Web
01/29/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 180XX
Web
01/28/2024 Yes
  • Credit card
  • Store credit card
  • Fees or interest
  • Unexpected increase in interest rate
  • CA
  • 90046
Web Older American
01/28/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NV
  • 89178
Web
01/28/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 32221
Web
01/28/2024 Yes
  • Credit card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 95961
Web
01/28/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • OH
  • 44128
Web
01/28/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11368
Web
01/28/2024 Yes
  • Credit card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • MD
  • 20706
Web Servicemember
01/27/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11412
Web
01/26/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75204
Web
01/26/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92508
Web
01/26/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92508
Web
01/26/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 43085
Web
01/26/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20774
Web
01/25/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 322XX
Web
01/25/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20746
Web
01/25/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 43085
Web
01/25/2024 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11236
Web Servicemember
01/25/2024 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 78216
Web
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43209
Web
01/24/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 782XX
Web
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48328
Web
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19123
Web
01/23/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OK
  • 73120
Web Older American, Servicemember
01/23/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 216XX
Web
01/23/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75056
Web
01/22/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NE
  • 68418
Web
01/22/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37075
Web
01/22/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07657
Web
01/21/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MN
  • 550XX
Web
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60651
Web
01/20/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 85257
Web
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 329XX
Web
01/19/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 63121
Web
01/19/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CT
  • 06095
Web
01/19/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11221
Web
01/18/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 322XX
Web
01/18/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • TN
  • 37379
Web Older American
01/18/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 61021
Web Servicemember
01/18/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • GA
  • 31061
Web
01/18/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11207
Web
01/17/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • OH
  • 43228
Web
01/17/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32818
Web
01/17/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45231
Phone
01/17/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77007
Web
01/16/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 76502
Web
01/16/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30815
Web
01/16/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92508
Web
01/16/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92508
Web
01/16/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19032
Web
01/15/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • HI
  • 96786
Web
01/15/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • OH
  • 44903
Web
01/15/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NJ
  • 08724
Web
01/15/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MD
  • 20901
Web
01/14/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 283XX
Web
01/12/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78501
Web Servicemember
01/12/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30331
Web Servicemember
01/12/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • SC
  • 29574
Web
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77449
Web
01/12/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78002
Web Older American, Servicemember
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19140
Web
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11423
Web
01/11/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • AR
  • 725XX
Web Older American, Servicemember
01/11/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • TX
  • 77379
Web
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34744
Web
01/11/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • FL
  • 33615
Web
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31405
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CO
  • 80123
Web
01/09/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • VA
  • 243XX
Web
01/09/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • NY
  • 11722
Web
01/08/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 712XX
Web
01/08/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • HI
  • 96753
Web
01/08/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75071
Web
01/08/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NJ
  • 08844
Web
01/08/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • IL
  • 61604
Web
01/07/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10031
Web
01/07/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CT
  • 06810
Web Older American
01/07/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • GA
  • 319XX
Web
01/06/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21208
Web
01/06/2024 Yes
  • Credit card
  • Store credit card
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07307
Web
01/06/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27616
Web
01/05/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 90036
Web
01/05/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NJ
  • 07087
Web
01/05/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30401
Phone
01/05/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • CA
  • 912XX
Web
01/04/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MI
  • 49548
Web
01/04/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11758
Web
01/04/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34953
Web
01/04/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 01841
Web
01/03/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IN
  • 46151
Web Servicemember
01/03/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30087
Web
01/03/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OR
  • 97209
Web
01/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KS
  • XXXXX
Web
01/02/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NC
  • 28513
Phone
01/02/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NC
  • 28273
Web
01/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 75241
Web
01/01/2024 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 94103
Web
01/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MN
  • 56302
Web
12/31/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60201
Web
12/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30035
Web
12/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • VA
  • 23607
Web
12/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 329XX
Web
12/28/2023 Yes
  • Credit card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • MD
  • 20878
Web
12/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 93726
Web
12/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • KY
  • 40601
Web
12/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 19149
Web Servicemember
12/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 477XX
Web
12/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • FL
  • 33193
Phone
12/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92505
Web Servicemember
12/26/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MI
  • 49504
Web
12/26/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • FL
  • 347XX
Web
12/26/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 956XX
Web Older American, Servicemember
12/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OK
  • 73013
Web
12/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • SC
  • 29621
Web
12/25/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33321
Web
12/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • TX
  • 77088
Web
12/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • TX
  • 77088
Web
12/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • TX
  • 77088
Web
12/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34286
Web
12/23/2023 Yes
  • Credit card
  • Store credit card
  • Fees or interest
  • Charged too much interest
  • TX
  • 79934
Web Servicemember
12/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48224
Web
12/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 08817
Web
12/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 43228
Web
12/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 43228
Web
12/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • FL
  • 34102
Web
12/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
  • 95209
Web
12/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94501
Web
12/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • XXXXX
Web
12/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NV
  • 89120
Web
12/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IA
  • 50263
Web
12/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32960
Phone Older American
12/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MA
  • 01109
Phone
12/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • VA
  • 23188
Web
12/20/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60617
Web
12/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MI
  • XXXXX
Web
12/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NC
  • 28546
Web
12/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NY
  • 10305
Web Servicemember
12/20/2023 Yes
  • Credit card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 33462
Web Older American, Servicemember
12/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NY
  • 10305
Web Servicemember
12/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NY
  • XXXXX
Web Servicemember
12/18/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WA
  • 98037
Web
12/18/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • OR
  • 97015
Phone
12/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 395XX
Web
12/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • AZ
  • 85132
Web
12/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85705
Web Servicemember
12/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
  • 955XX
Web
12/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33181
Web
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32817
Web
12/13/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08053
Web Servicemember
12/13/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08053
Web Servicemember
12/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19977
Phone
12/13/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 19124
Web
12/12/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • CT
  • 06706
Web
12/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CO
  • 80305
Web
12/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30224
Web
12/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 39401
Web
12/11/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 60476
Phone Older American
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60098
Web
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60098
Web
12/10/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WY
  • 82009
Web Servicemember
12/10/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WY
  • 82009
Web Servicemember
12/10/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WY
  • 82009
Web Servicemember
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48224
Web
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30168
Web
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CO
  • 80305
Web
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10705
Web
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32571
Web Servicemember
12/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • VA
  • 23113
Web
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 38654
Web
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19131
Web
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02138
Web
12/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AR
  • 72301
Web
12/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75150
Web
12/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70403
Web
12/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WA
  • 98116
Web
12/02/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28150
Web
12/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 38115
Web
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • AZ
  • 85208
Web
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 45229
Web
11/29/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MN
  • 55432
Web
11/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 94103
Web
11/28/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22191
Web
11/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MI
  • 48023
Web
11/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93701
Web
11/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92129
Web
11/27/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75001
Web
11/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44119
Web
11/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 53206
Web
11/24/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • TX
  • 763XX
Web
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33328
Web
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33635
Web
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77493
Web
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28216
Web
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28216
Web
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33616
Web
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 61108
Web
11/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • NJ
  • 07442
Web
11/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21237
Web
11/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 94531
Web
11/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NC
  • 28110
Web
11/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 75181
Postal mail
11/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IA
  • 52501
Phone
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77064
Web
11/11/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • VA
  • 23227
Web
11/08/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MO
  • 63107
Web
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CO
  • 80011
Web
11/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • MN
  • 55119
Web
11/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60625
Web
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60601
Web
11/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 33573
Web
11/04/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48504
Web
11/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32444
Web
11/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30294
Web
11/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • TN
  • 38018
Web
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07018
Web
10/31/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • FL
  • 32216
Web
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33141
Web
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33141
Web
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33141
Web
10/30/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • NY
  • 10016
Phone
10/29/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • TX
  • 76052
Web
10/29/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • NC
  • 28513
Web
10/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60608
Web
10/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44313
Web
10/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33607
Web
10/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07424
Web
10/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63136
Web
10/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30215
Web
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63031
Web
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19047
Web
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63031
Web
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63031
Web
10/22/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • FL
  • 33755
Web
10/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CA
  • 90028
Web
10/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 94520
Web
10/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75115
Web
10/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 33054
Web
10/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85730
Web Older American
10/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48221
Web
10/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37064
Web
10/18/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 32703
Web
10/18/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • SC
  • 29687
Web
10/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TX
  • 78644
Web
10/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 75789
Web
10/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33069
Web
10/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77064
Web
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44146
Web
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19428
Web
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32958
Web Servicemember
10/11/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • AZ
  • 85040
Web Servicemember
10/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 36265
Web
10/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 32707
Web
10/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NJ
  • 08048
Web
10/09/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • OR
  • 97292
Web
10/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 10536
Web Older American
10/07/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MO
  • 63033
Web Older American
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19140
Web
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30052
Web
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CO
  • 80902
Web Servicemember
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75150
Web
10/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20772
Web
10/04/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NJ
  • 08021
Referral
10/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 24084
Web
09/29/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • IL
  • 60619
Web
09/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32234
Web Servicemember
09/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32234
Web Servicemember
09/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32234
Web Servicemember
09/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32779
Web
09/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CO
  • 80134
Web Servicemember
09/28/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • CA
  • 94533
Phone
09/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 31419
Web
09/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OK
  • 73533
Web
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60637
Web
09/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89031
Web
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27707
Web
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48185
Web
09/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • SC
  • 29588
Phone
09/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NC
  • 28216
Web Servicemember
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • CA
  • XXXXX
Web
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38016
Web
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33054
Web
09/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • AZ
  • 85226
Web
09/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77388
Web
09/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85040
Web
09/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44105
Web
09/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 11236
Web
09/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NY
  • 10314
Web
09/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60620
Web
09/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 96001
Web
09/10/2023 Yes
  • Credit card
  • Store credit card
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • CA
  • 91902
Web
09/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19604
Web
09/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30253
Web
09/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77079
Web
09/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DE
  • 19720
Web
09/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30907
Web
09/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10312
Web
09/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27107
Web
08/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 45237
Web
08/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92583
Phone Older American
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75050
Web
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27910
Web
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75050
Web
08/29/2023 Yes
  • Credit card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 90028
Web
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95758
Web
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • PA
  • 19131
Web
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29170
Web
08/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44108
Web
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95747
Web
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44112
Web
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CO
  • 80305
Web
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19150
Web
08/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30314
Web
08/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30312
Web
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34772
Web
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 13903
Web
08/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NV
  • 89015
Web
08/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NV
  • 89015
Web
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CT
  • 06516
Web Servicemember
08/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • IN
  • 46203
Web
08/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33615
Web
08/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39211
Web
08/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • WY
  • 82001
Web
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 10034
Web
08/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 11212
Phone Older American
08/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44811
Web
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48075
Web
08/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07029
Web
08/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 129XX
Web
08/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28216
Web
08/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NV
  • 89015
Web
08/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27856
Web
08/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27856
Web
08/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • VA
  • 23860
Web
08/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 14207
Phone
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 43215
Web
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77316
Web
08/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28403
Web
08/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07757
Web
07/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NY
  • 10013
Web
07/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NV
  • 89015
Web
07/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AZ
  • 85142
Web
07/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39730
Web
07/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37214
Web
07/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98052
Web Servicemember
07/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 15025
Web
07/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MO
  • 638XX
Web
07/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MD
  • 21222
Phone Older American, Servicemember
07/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MD
  • 21222
Phone Older American, Servicemember
07/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 33436
Web
07/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • NC
  • 27615
Web
07/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23225
Web
07/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35749
Web Servicemember
07/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 56007
Web
07/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 29706
Web
07/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 76034
Web
07/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32218
Web
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07050
Web
07/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • MT
  • 59105
Web
07/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27713
Web
07/13/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NY
  • 14211
Web
07/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 78624
Web
07/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NJ
  • 08840
Postal mail Older American
07/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30252
Phone
07/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19142
Phone
07/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • IA
  • 50647
Web
07/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33168
Web
07/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32583
Web Servicemember
07/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30228
Web
07/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19139
Web
07/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • WI
  • 54703
Web
07/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33027
Web
07/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MS
  • 38703
Web Older American, Servicemember
07/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60620
Phone
07/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92833
Web
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • IL
  • 61107
Web
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29223
Web Servicemember
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29223
Web Servicemember
07/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10038
Web
07/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 76134
Web
07/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48183
Web
07/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32256
Web
06/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 78624
Web
06/28/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 92833
Web
06/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70461
Web Servicemember
06/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 14612
Web
06/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 33231
Phone
06/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • PA
  • 19140
Web
06/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95758
Web
06/23/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • LA
  • 70769
Web
06/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85295
Web Servicemember
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • HI
  • 96792
Web
06/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NJ
  • 07885
Phone Older American
06/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85340
Referral
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30349
Web
06/20/2023 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • GA
  • 30092
Web
06/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 61802
Web
06/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32566
Web Servicemember
06/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NC
  • 28306
Referral
06/15/2023 Yes
  • Debt collection
  • Federal student loan debt
  • Communication tactics
  • Frequent or repeated calls
  • WY
  • 82601
Web
06/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89183
Web
06/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48084
Web
06/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48205
Web
06/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MD
  • 20910
Web
06/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39759
Web
06/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89002
Web
06/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • ID
  • 83651
Web
06/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NY
  • 10001
Web
06/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MS
  • 39360
Phone
06/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30087
Web
06/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TN
  • 38134
Web
06/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 40509
Web
06/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 01201
Web
06/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • ME
  • 04106
Web
06/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 15145
Web
06/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • ME
  • 04240
Web
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31779
Web
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94109
Web
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94109
Web
06/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 77449
Web
06/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 12019
Web
06/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27610
Referral
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27610
Referral
06/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78729
Web
06/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 08046
Web
06/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 90814
Web
06/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32207
Web
06/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • FL
  • 34773
Web
06/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37214
Web
06/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 46235
Web
06/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OR
  • 97045
Phone Older American
06/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • HI
  • 96793
Web
06/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 38109
Web
06/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95966
Phone
06/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85641
Web
05/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • PA
  • 19131
Web
05/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CA
  • 92552
Web
05/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94561
Web
05/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92019
Web
05/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • VA
  • 23453
Web Servicemember
05/29/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 01608
Web Servicemember
05/29/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Company closed your account
  • FL
  • 33436
Web
05/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IL
  • 60623
Web
05/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • 42409
Web
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33844
Web
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33844
Web
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20640
Web
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • GA
  • 30310
Web
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33844
Web
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98661
Web
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 15033
Web
05/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33513
Web Servicemember
05/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 385XX
Web
05/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90710
Web
05/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • XXXXX
Web
05/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19139
Web
05/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 33040
Web
05/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • WA
  • 98506
Web
05/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23454
Web
05/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35750
Web
05/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NJ
  • 08837
Web
05/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 77662
Web Servicemember
05/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23462
Web Servicemember
05/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MD
  • 20743
Phone Older American
05/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 63031
Web
05/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 53949
Phone Older American