Consumer complaint received 2022-02-28
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
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.

Company response to consumer: Closed with explanation