While genesis card services may be in…
While Genesis Financial Services, dba, Feb Retail, which is the way it's being reported on my credit report, may be in the credit card business, but this is not the case for me. They are a predatory lending company. I purchased bedding from ashley furniture and ashley furniture got financing for me through genesis card services. The financing was for $3000 for the bedding I purchased but the actual cost was $2651, leaving a some $348 unused. The sale going on at ashley was no money down, no payment til January and this purchase was made in November of 2022. From the very beginning of correspondence I had with genesis, was confusing. They were never able to tell me what my monthly payments would be. I founded out on December 6, 2022 that my first payment of $133 would be due January 4th of 2023. When the time came I went to website they emailed me from set up my account and made the first payment
I didn't get confirmation that the payment was received so I did it again only to find out that received both payments and if I wanted a refund for the second payment I would have to through my bank and dispute the extra amount I paid. I didn't this. Then I started getting emails that the payment was not made and that both payments were due because I owed for December 2022. This has been going on for entire 6 months of 2023. I was told to send my complaint in writing and would get a response in 2 weeks. There are still irreconcilable differences with these preditors. They have numerous business names they use, not just genesis card services. They are currently reporting to the credit bureaus that I owe over $3000 for an unpaid credit card. Of course it's not true. I tried to make arrangements for them to pickup their bedding, I don't care what they do with it. But they won't. I've complaints filed against them through BBB, Consumer Protection Bureau, FTC. And I've complaints from other people like my own complaint. Genesis card services are frauds. Don't be fooled by none of their offers for credit care or anything else. By the way, ashley furniture has dropped them as a lender for them furniture. I am speaking of genesis financial solutions card services, not the ones who responded to this review. They also go by the name Synchrony Bank.