Consumer complaint received 2022-09-11
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
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.

Company response to consumer: Closed with explanation