Consumer complaint received 2021-12-06
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
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.

Company response to consumer: Closed with explanation