Genesis Credit Management or GCM is a third-party collection agency based in California. Genesis Credit Management has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and attempting to collect debts not owed. If GCM has contacted you about past due collection items,make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Genesis Credit Management LLC was founded in 2008 and incorporated in 2013. The BBB established a profile page for GCM in 2006. The BBB lists Genesis Credit Management as a collection agency. Buzzfile estimates Genesis Credit Management’s annual revenue at $239,201 and the size of its headquarters staff at 2 employees.
Genesis Credit Management specializes in apartment lease collections, which their website calls the “multi-family industry.” Their collectors are trained in “Landlord Tenant” law. They promise to help creditors take back control of delinquent accounts using “forward-thinking, solutions-based services,” and cutting-edge technology by a “management team of seasoned professionals.” They promise nationwide skip-tracing and prompt credit bureau reporting of delinquent debts.
Their website does not mention any consumer protection resources such as the Fair Debt Collection Practices Act (FDCPA); there are no links or references to outside sources for consumers concerned about their rights under debt collection or real estate and housing laws. The Contact page uses a web-based form but does not inform site visitors of their rights under the FDCPA or any other laws.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
Genesis Credit Management LLC
2010 Yakima Valley Highway
Sunnyside, WA 98944
Phone: 509-836-5558
Website: http://www.genesiscred.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely GCM would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Most of the debt collection activity at Genesis Credit Management results from allegedly unpaid rental and lease agreements. Most of the complaints contain statements about rude, hostile, or abusive customer service or mistakes and inaccuracies in the documentation of billing details. As of August 2017, the Better Business Bureau lists a total of 19 closed Genesis Credit Management complaints, four of them in the past year. Of the 8 customer reviews left on the BBB site, 7 are negative. The BBB has given them a score of B. Justia lists at least 4 legal filings identifying Genesis Credit Management, LLC as the defendant.
Absolutely. Here are some Sample Complaints
In February of 2017, a former tenant of an apartment was contacted by Genesis Credit Management two years after signing over her lease agreement to a new tenant and moving out. The complainant was told she owed $1,610.29 and was subjected to verbal abuse and threats of damage to her credit score. She did not receive documentation of the bill for several months. When she did finally receive a bill, the original amount owed of $1388.00 had increased to $1,694.75. The complainant requested that Genesis provide documented evidence that she owed the bill. Genesis ultimately received confirmation from the original rental company that the complainant had legally signed over the lease and did not owe any money; thus, Genesis had violated several consumer protection laws in this example.
Other complaints indicate that GCM representatives on more than one occasion have made unwanted called to debtors at work; used abusive language and threats; and have tried to collect debts without sending documentation or without having verification.
Here are some past Press Releases of Lawsuits Brought On By Lemberg Law Against Genesis Credit Management LLC
November 3, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, District of Arizona. The case, against Genesis Credit Management, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages, plus other relief.
Most people experience some level of stress when they’re at work. Either they’re facing a deadline, feeling pressure to increase their productivity, or feeling that they haven’t yet mastered the work-life balance. That stress increases exponentially when a debt collector starts calling the workplace. Yet that’s what our client says happened when Genesis Credit Management started relentlessly calling her, and then started calling her at work. By that time, she had already engaged us to represent her, so our client told the Genesis Credit Management debt collector that she had an attorney.
At that point, the law-abiding thing to do would have been for the Genesis Credit Management debt collector to end the call, and to call us. Instead, the debt collector said that he wouldn’t contact us, and instead tried to convince our client to pay the debt.
Before ending the call, our client says that the Genesis Credit Management debt collector insinuated that they were going to garnish her ways, stating that they were going to get their payment “either way.”
This lawsuit charges that Genesis Credit Management violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by contacting our client knowing she was represented by an attorney; by using false, deceptive, or misleading representation in connection with the collection of a debt; by implying that nonpayment of the debt would result in garnishment; by threatening to take legal action without actually intending to do so; and by failing to send a validation notice.
September 22, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, District of Arizona, against Genesis Credit Management that charges the debt collection agency with violating federal law and that asks for $1,000 in statutory damages.
Imagine getting seemingly endless debt collection calls about a debt that you’re not able to pay. No one imagines being the victim of debt collector abuse. Yet that’s what our client says happened when Genesis Credit Management called him. Our client says he told the debt collector that he wasn’t able to make a payment, and then the debt collector suggested that our client break the law by using his mother’s credit card without her permission in order to make a payment. When our client said no, he reports that Genesis Credit Management threatened him with legal action if he didn’t make a payment immediately.
The lawsuit charges that Genesis Credit Management violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by using false, deceptive, or misleading representation in connection with the collection of a debt; by threatening to take legal action without actually intending to do so; and by using unfair and unconscionable means to collect a debt.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“We were so impressed with how the attorney listened to us and understood the position we were in. Thank you for stopping the calls. The check was a nice bonus, but mostly we’re glad we’re not being hounded anymore.”
“Lemberg Law contacted me within a couple of hours of me submitting my info on their site. That same day Daniel emailed me instructions on what to do the next time the collection agency called. Within a week, the calls had stopped. Today marks week 2 and we’ve not had a call in three days. I can’t say thank you enough.”
“I can’t praise your service enough. I was lost and just really wanted my credit report cleaned up. You have gone beyond my expectations. Thanks again!”
In short, odds are good we can. Call us to today and we’ll tell you how we can help.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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Genesis, have be calling me non stop for the past couple of years.
1. Over $9500 for an apartment I never lived in, I contact the apartment complex and its investors they searched my name and was willing to help to remove my information, but they said they never submitted it.
2. Car dealership, I paid off my vehicle, however one time for a late payment they towed my car, I got my vehicle back as started. The car dealership added the tow to my balance ( allegedly) after my last payment I received my receipt with zero balance left for the car but they did not give me my title. They said they will mail it. The car dealership ended up sending it to genesis in the amount of $635, they added interest now its $1700.00 I refuse to pay it… that is robbery. I contact the car dealership since they sent it to collections, the receptionist told me I can not get my title until they pay the collection agency.. I said ma’am you no longer have the debt and a tow bill should not stop you from given me my car title.
I get calls from Genesis for a loan/ debt originating in 2013 I do not remember or recognize.
It’s never appeared on my credit report. They say is because debt was secured by my bank
Can it affect my credit?
They call about 3 times a week currently. What contact and communication I’ve had has been cordial and professional. I have not been threatened, harrased or anything like that .
Basically they say I owe around $700 but with interest it is now around 3000
But they offer to take $700 now as a settlement, or I can “choose to escalate “
Genesis Credit Management bought a judgement awarded to Legacy Park Apartments in Lakewood WA in January of 2018. The judgement was for $3429.46. @ 12% per annum interest rate as ordered by Pierce County Superior Court as a result of an unlawful detainer judgement. We moved out in November of 2017. There are no other judgements or added charges in the court record and we recieved no bill for anything extra. Genesis listed the amount we owe as $9939 immediately and the amount jumped to over $13k less than a year after they added it to my credit report. They charge almost an extra $100 per month, sometimes twice a month. They continually delete the account and re-add it under different account numbers, causing my credit to drop up to 30 points each time. They also list ny account number as a number starting with PRSONEXXXXXXX… shortly after I disputed it the first time. The account number seems as if it is an intentional acronym for PRISON or possibly PRISONER, made to attempt to intimidate me under the presumption that perhaps I belonged to a certain demographic that would not know any better? My actual account number, listed on my account page on their website and also through settlement offer emails, is a six digit number. I would like to join in any class action suits you may have going against Genesis or any legal help you could offer.
I think the situation is predatory in my case due to a crooked corp, with a crooked manager, and I’m not going to be bullied by anyone affiliated with this complicated situation that was my life for the last 2yrs, and 9 months. I wish I could sue FPI MANAGEMENT, but I don’t have anymore time or money to spend on idiots!
If someone wants to call or email me and hear my story, it’s a Disney. It will take a few.
Thanks for your time and consideration.
Sincerely,
Domenica Zumbo
719 822 6060
Genesis has called me multiple times and each time they text me they refuse to give me any info other than they are with “Genesis” I only figured out who they are and what they do by researching on the internet.
Genesis credit management is a scammer not even debt collector as they try to intimidate people just to extract money illegally! I lived in apartment complex in Albuquerque called Casa Bella for two years, paid my rent on time until I moved out. Obviously the apartment manager is so dumb because she tried to hit me for money as needed repairs even though move in/move out paperwork shows apartment was in same condition when I moved in. No repairs were needed only stupidity from the manager, then Genesis won’t even send debt verification letter as required by law because they’re afraid of being sued andvyet another law suit in their face. Lemberg law firm should consider more cases against Genesis credit management as this company not only violating the law DAILY, they use threats and intimidation to extract money from people ignoring the fact that some people don’t really owe anything!
A rep from Genesis Credit Management keeps phoning and leaving messages for ‘Terry’ and will not stop harassing me. I owe NO debt nor am I Terry. Additionally, I phoned him back and asked him to quit calling my number. He was rude and put me on hold! Then he continues to harass me with calls. Make him stop! Thanks.
I had an apartment a few years back , I made a mistake and wound up in jail for about 30 days , I came back to my apartment to see that it had been taken over by squatters , I was able to get them out but they had damaged the plumbing and many other things in the apartment. I started staying with a neighbor and asked the management if they could repair the apartment many times , nothing ever happened and I eventually just moved on and stopped paying for the appartment. Of course I was evicted and later received a bill for around 9,000 dollars in damages to the place, I have no way of paying this and don’t k ow what to do to resolve this , the Itrist has gone up significantly with genesis and it has been maybe 5 years since this happened , I was hoping to wait out the seven years and possibly get a fresh start , is this an option ? Also a debt collector from genesis told me that I was court ordered to pay this bill but I have not received any indication that the courts have required me to pay this.
These collectors are stupid. I’m thinking they keep robo-calling me because of the previous owner of my phone number. I have received a few calls from a landlord looking for someone else who owed him rent. I myself have not rented since 2006,and have owned my own home since. They are obviously incompetent. Not researching who they are calling
Earlier this month I received a phone call from a person representing Genesis Credit Management over an outstanding bill for repairs from the previous apartment in Federal Way out of which I had moved out last fall. My bill was for $1885 that had interest tacked on from the initial bill for $1754 (or however much it was), but the person on the phone was “nice” and told me he would bring the bill down to $1409 in three easy monthly payments of $469.97. But instead of me sending a check in, he said that I could just deposit in a Wells Fargo account with an account number in which he would provide with an e-mail to me. I thought this was odd, but “okay…” He said that a paper check would “compromise” information if it got it into the wrong hands. Hmmm….
So last week I go to the Wells Fargo bank to do as requested and showed the e-mail to the tellers there, not really thinking there was “much” out of the ordinary when they told me the e-mail was suspicious. The person typed it out with so many misspelled words and lack of capitalized letters and strange phrasings (i.e., “If you have any questions, gimme a call”), some rather casual language for something I was to take as professional. I try to use proper spelling and punctuation in business communications at all times, and the tellers told me this looked very questionable, like a scam. They told me to contact the Better Business Bureau about this. I called and they gave me a little more information about it and told me to contact Genesis Credit Management. I cannot reach Eastern Washington on my phone. I have a copy of the person’s e-mail if anyone wishes to look at it. What course of action should I take next?
I got contacted by a guy named Jeff he stated that I going to collections if I didn’t pay a certain amount. I have no knowledge of this. I never got a paper in the mail stating I owed from my last apartment. When I contacted the apartment they said “that’s weird it should of gotten sent out” I haven’t received a phone call another letters or anything stating we owed. Now this geniuses company is telling me I have to pay them a certain amount or there gonna put it in collections and not help me out anymore. I told them I wanted documents he said he would send them but never asked for My email. How do I know this is even real and how much I owe is right.
I got a call from them today as well from a Todd Jones. He was an absolute rude jerk to me. He was calling to collect on a debt that I had resolved with a different collection agency over six months ago. He started yelling at me when I told him he was wrong about the debt and then went on to tell me as a woman I don’t understand how money works. I hung up at that point. He then called me four more times, my husbands boss and an old friend of mine. I can’t believe how unreasonable and harassing he was.
Crazy. Im so upset i had a horrible experience today with one of there debt collectors , her name was alex cook. I called trying to pay on a debt i owe on, she didnt call me . i told her i could make the full payment at the time but i was willing to give a large payment and pay the remainder off later. She said she will not accept any money from me if its not the full amount , and that she will go out of her way to make sure i recieve no housing in washington for myself and my kids, and she doesnt care if im homeless. She lied over and over to me saying her company doesnt accept payments and when i asked if u could speak to her supervisor , she hung up on me. Im was sobbing when i got off the phone . i know debt collectors are mean but ive never experienced someone so heartless.i called the apartments she was collecting on and they told me they were so sorry and they gave me someone elses number to contact . they told me they do offer payment plans and shes so sorry that i had this awful experience . i plan to call the other lady at gensis and hopefully shes nicer
I am going thru similar situation some lady keeps calling and calling even she has called my husbands job many times she does not want to work on payment plan she wants the money right away i am so stress out i dont know what to do any more i am tryng to pay but she refuses to get payment plans>
> I also dealt with Alex Cook. She is a horrible person to talk to, she has no problem telling you that you are going to lose your job, that she can’t believe that you would let this happen, that we will get our money no matter what. Such a horrible person to talk to. I literally didn’t call back for a few months because of her.