Rebecca M Iku

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Verified Reviewer

Legal reasons

I am resqueting a camera from this Adress below: 10100 six pines dr , apt 638 if is my name: Rebecca mambote , because my daughter was shut in her apt around 12 pm on the 12 August 2024 ,I want the all day camera 6 am to 6 pm please, my phone number is 817715****

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Preferred solution: A camera on the August 12/ 2024

Henry B Shq

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Verified Reviewer

They Are the worst credit providing company

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I am writing this review to share my deeply frustrating and disappointing experience with both Vivint Smart Home and Fortiva Financial. These companies work together, and their primary goal seems to be extracting as much money as possible from consumers like myself, through legitimate means or fraudulent practices.

In January, I engaged with Vivint to purchase home security services. The sales representative assured me I could finance the equipment along with the monitoring service, with monthly payments not exceeding $85. However, crucial information was omitted during this conversation. I was initially informed about financing through Fortiva Financial and agreed to finance my equipment through them. There was no mention of any financing arrangement with Vivint themselves.

During the installation process, the technician made significant changes to the equipment without informing me of the financial implications. He also assured me there would be only one monthly payment to Vivint, covering both the equipment financing and monitoring service. Subsequently, I discovered that I was not only responsible for payments to Vivint but also to Fortiva, with whom I was unknowingly financing the additional equipment separately. This lack of transparency regarding the financing arrangements led to confusion and financial strain, resulting in late payments and a high credit utilization reported by Fortiva.

Furthermore, I later discovered a contract had been created for financing with Vivint, unbeknownst to me. I never applied for nor consented to any financing arrangement with Vivint. The technician's actions in opening a contract with Vivint without my knowledge or consent are highly unethical and potentially illegal.

I explicitly expressed my budget constraints to the technician, informing him that I could only afford a monthly payment of $85. However, he disregarded my concerns and created a financial burden that I cannot sustain. This has resulted in severe consequences for my financial stability, including a significant drop in my credit score from 720 to 521.

Additionally, I contacted Fortiva and informed them of the changes made to the original contract without my consent. I requested that Fortiva void the entire contract and remove it from my credit profile, as the changes were made fraudulently. Despite my efforts, it has been nearly three months, and Fortiva has yet to report this as fraud. They continue to provide damaging information to my credit profile, despite knowing that the original contract was fraudulently altered by Vivint.

Vivint and Fortiva are clearly operating in tandem to exploit consumers, using deceptive sales practices and failing to provide accurate information. Their actions have caused significant financial harm and stress, and they show no willingness to rectify the situation. I urge anyone considering doing business with Vivint or Fortiva to be extremely cautious and thoroughly investigate their practices. My experience has been nothing short of a nightmare, and I hope this review helps others avoid the same fate.

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Loss:
$6

Preferred solution: The removal of the inaccurate information on my credit profile

User's recommendation: Remove this account from my credit profile

Anonymous
map-marker Hayward, California

Activate card

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I was not receiving the code number to my email address.

Uncertain interest account that might be if a risk of scam.

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Ranesha Vhv
map-marker Dallas, Texas

Necesito hablar con un representante y no hallo la forma

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Ocupo hablar con alguien referente a un pago de una targeta de crédito de fortiva q yo no uso y me quieren cobrar

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Anonymous
map-marker New York, New York

You would not update Mt personal info

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Very poor customer service I bought 5000 dollars in furniture at bobs discount furniture and your fortiva customer service is the worst I've ever dealt with in my life I'm 64 years old I'm paying off my bill when I'm finished paying I'm going to close my account with fortiva

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User's recommendation: Don't use fortiva credit

Anonymous
map-marker New York, New York

To update my info

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Fortiva won't update My personal info I've tried numerous times to do so they won't do it it's ridiculous poor cust service I'll be closing my account

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User's recommendation: Don't use fortiva credit

BB B Qrb

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Verified Reviewer

New Annual Fee and Phone Number that doesnt work. y

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I recently received an email that Fortiva will begin charging an annual fee of $79. Because it's a card I do not frequently use, I tried calling the number to close the account.

However, it said that it is not a working number.

It seems as though they purposely have their phone lines down so that they are able to impose the annual fee. Of course, the AI chat only provides the same non-working number.

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Preferred solution: Someone to actually cancel my account.

User's recommendation: Abandon Ship!

Misty M Aby

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Verified Reviewer

They did not abide to our contract

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I took out $3000 for dental work with Fortiva and was told that I would pay $145. They didn't give me my due date and said they would notify me.

I never heard from them, so on June 16th, I paid $149 and managed to find my account to see that it was due on the 11th. They said I was $378 past due. When I called them, they ended up removing the late fee but still applied interest, which took me over $3000, and now I have to pay $229. It was their fault that I was late so I should still only pay $149 a month.

They said because I spent the $3000, the interest made it over $3000, so now my payment is $229. That was not in my agreement that I signed.

This has to be illegal. They said it had nothing to do with me being late, which is confusing.

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Loss:
$80
Pros:
  • Easy attainable loan
Cons:
  • Dont follow the agreement
  • Will scam you out of money
  • Customer service is no help

Preferred solution: Price reduction

User's recommendation: They will do anything to make you pay more. Dont bother with them if you can help it.

Lillian P Djm

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Verified Buyer
|

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Verified Reviewer

Fraud charges

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Fortiva - Fraud charges
Fortiva - Fraud charges - Image 2

Im charged 2317.00 thrifty car rental I disputed on 12/3/23 no form came and they shut card off my balance is 700.00 how am I charged 2317.00 should have been declined then I paid card off to zero balance then wont give me another card

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Preferred solution: Not my transaction only 700.00 credit limit

User's recommendation: New card

Anonymous
map-marker Tulsa, Oklahoma

I made my payment thru my bank since yesterday 07-08-24

I'm trying to contact you 187* *** **** and at 180* *** **** to give you transaction # I'm getting charged 30 dllrs late fee when I made my payment on time

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Abbra P

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Verified Reviewer

Stop a charge on my card

I made a purchase from a company that I have just been informed was a scam. Nobody that has placed an order with the company has ever gotten any of thier ordered merchandise.

As of right now thier payment is pending. So I am needing to catch it and stop the payment from going through.

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Loss:
$55
Pros:
  • Helped me with my credit

Preferred solution: The payment stopped.

User's recommendation: For said company or for Fortiva? Recommendation for the company. Beware! As for Fortiva I have only had the card and been with the company for one day.

Jan Dem
map-marker Bellevue, Washington

Fortiva is the worst!!

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Fortiva Fraud department doesn't stand by you in case of Fraud activity. Very poorly with how they handle your dispute.

A merchant from a third party airline agency charged my card without my consent and Fortiva billed me for it.

The merchant never showed any proof of me giving consent and Fortiva still charged me for it, they don't have care in the world. Stay away from this company you've been warned.

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User's recommendation: STAY AWAY!!!!!!!

Steve A Tdh

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Verified Reviewer

Refused to set up a payment plan to pay off account

Refused to set up payment plan to pay off this account. Was transferred 3 times and got no where with them.

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Preferred solution: Set up a payment plan to pay account off

User's recommendation: Don't get a fortiva credit card

Man R Drf

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Verified Reviewer
| map-marker Redmond, Washington

Payment problem

Im unsuccessful paying from online.and before I did pay but now I already changed my debit card.thats why I cant now .how to pay now)

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Edward G Wlz

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Verified Reviewer

I did not except the service so I don't owe anyone

I went to Aspen dental to see about getting dentures they quoted me a price my insurance would only pay so much and anyone to go ahead and do the financing of my of my dental procedure and I declined I don't have that kind of money in pocket so I told him no I was not interested in having this done here I will go someplace where I can use my Medicaid in my medicare where it won't cost me nothing

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Preferred solution: Stop billing me for services rejected

Janet V Ccn

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Verified Reviewer
| map-marker Campbellsville, Kentucky

No Annual Fee is a Lie

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Original review Oct 11, 2023

I've had a Fortiva credit card for about a year and a half now. They advertised 'No Annual Fee'.

I've charged around $1,100 in the past and never been late and am paying this enormous interest rate of 32%+ now. I have a perfect record with my account. However, they sent me an email saying they're changing their terms and conditions. From now on they will be charging an 'Annual Maintenance Fee' of $60 per year, charged at $5/month whether you have a balance or not!

This is to begin in November 2023. When I called to ask why they were doing this to my account (because I had a perfect record of payments) they said they were doing it to ALL customers! They can disguise their new annual fee by calling it a 'maintenance fee' if they like, but it's basically an annual fee. How can you charge a maintenance fee when the account has a zero balance?

Maintenance to do what? Nothing! I don't need this. I have other credit cards and I refuse to pay an annual fee to a bank that is already collecting an over 30% interest rate.

I called Fortiva credit card and had them cancel my account the day I received the email. Thank God I just recently paid my balance off. They also told me it would take until Nov. 30th to close my account and I called on October 9th.

Really? 7 weeks to close my account?? Ridiculous! Now, my credit score has just taken a hit.

How? (1) I've now closed an account and (2) I've lost $1500 available credit that added to my total credit availability when figuring my percentage of available credit vs credit debt. I am NOT happy with Fortiva for changing their terms of service. What if I had of ignored the email?

How sneaky of them to change everybody's credit card account by adding a fee when they advertised the card as No Annual Fee. Just down right dishonest. Goodbye Fortiva Bank.

I don't want to do business with you anymore. I do not recommend Fortiva Credit Card.

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User's recommendation: Do NOT Recommend

4 comments
Guest

Actually they did not hurt your credit rating. You did by closing the account and losing that available credit.

Guest
reply icon Replying to comment of Guest-2407001

So you think it's worth paying $60/year to avoid hurting your credit rating? I think not. They changed the terms of their advertised card.

Guest
reply icon Replying to comment of Guest-2407155

For 17 cents a day for an unsecured card while you are rebuilding your credit? Yes I do.

Janet V Ccn
reply icon Replying to comment of Guest-2407358

I think if you initially applied for a card with a $60 annual fee, that is a different story. But to have a card with 'No' annual fee for over a year, close to 2 years, and for them to then start charging a $60 fee when you've never been late, is a poor way for a bank to do business.

Have you ever had this happen to you when you had a good record with the bank? I haven't. You sound like a Fortiva employee.

That must be it. Apparently you don't think this is an issue, but we'll have to agree to disagree.

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