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!!!!!!!

Lillian P Djm

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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

Steve A Tdh

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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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| 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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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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Hugo Esteban F

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Personal loan

Nesecito saber cuáles son los requisitos para obtener un préstamo personal con ustedes, sería un préstamo de US$7,000 para pagar en 36 meses
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Loss:
$10
Pros:
  • Quick loan
Cons:
  • High rate

Preferred solution: Personal loan

Anonymous
map-marker Long Beach, California

No reply yet on account status.

Fortiva - No reply yet on account status.
Fortiva - No reply yet on account status. - Image 2
I submitted via fax in regards to the check I mailed showing it had been received and cashed on 9/27/2023. I have still not been contacted about my account. What is going on. Someone cashed the check from your company why isnt it reflecting on my account?
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User's recommendation: None!

Elle E Pxd

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Verified Reviewer

Worse customer service

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Original review Oct 13, 2023
Due to this company's appalling customer service and deceptive fees Ive decided to stop being a Badcock customer. Ive informed and warned family members, friends, neighbors and co-workers to stay far away from them. If you are a current customer pay close attention to any communication you receive from them. They are very sneaky with their fees. They have been reported to CFPB for hidden junk fees.
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Pros:
  • No pros
Cons:
  • Deceptive fees and worse customer service

Preferred solution: Apology

User's recommendation: Stay Away

Maria W Rgz

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Verified Reviewer

724854****

I can never talk to anyone or get logged in, but you can report me to the credit bureau. You guys suck
View full review
Loss:
$82
Cons:
  • Are the cons

Preferred solution: Full refund

User's recommendation: Run and don't ever use this company

Anonymous
map-marker Chicago, Illinois

Interesting rate too high

So I first purchased a bed, I pick out so my payment was 90.00 Dollars a month so I was playing that every month I decide to buy a mattress out of bob furniture and I got my bed too. I didnt like had the bed made so I call customer service at bob and told them i didnt like the bed they credit my account I was able to select another bed. So went in bob store to look at mattress the mattress was 999.00 but I still was paying on the bed that i purchase . I pay 152.00 for a mattress I thought that my payment would be low it not i felt rip off now
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User's recommendation: Don’t use them find out how many month or year that going take to pay offf

Richard N Qfw

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Verified Reviewer

They do not communicate they really suck.

everything. I was off work because i was hurt and I had purchased the insurance. They said I could not use it and then after I was able to make payment I found out that my account was charged off. They called me everyday. I was never told never emailed or never mailed anything about a charge off. Nothing was showing this when I logged in online. They start hassling you before payment is even due. the 5 times a day everyday until it is paid.
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Preferred solution: my account opened back up to use

User's recommendation: Do not get this card

Severino Adx

Horrible scam type setup

The website is horrible. On the surface, it look like I had updated my auto pay however, in reality, it never updated and they were charging me late fees. Unscrupulous, scamming business practices. Customer service is worthless.
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Loss:
$82
Cons:
  • Scammy business practices
  • Non properly functioning website
  • Terrible customer service

Preferred solution: Reversal of wrongfully charged late fees

User's recommendation: Run the other way

Gloria N Vda

Fraudulent interest charges

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Pay within the required time for six months interest free. Did not post it till after the six months and charged me interest. I called them. The Customer Service eight gave me the amount I needed to pay, I paid it, and they did not post it to my account, until after the six month free interest rate. you have to deal with an Asian Customer Service dept that is incapable addressing your needs
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Loss:
$448
Cons:
  • Fraudulent
  • No ability to contact us customer service
  • Incompetent

Preferred solution: Full refund

User's recommendation: do not use this company

Dustin S Dnt

Terrible customer service

Fortiva has the worst CST service. They don't do what they say. And the reps argue with the csts asked for a supervisor to review call they dont have access, they state oh you can go online but that doesnt answer your questions.
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Cons:
  • Everything about the company

Preferred solution: Apology

User's recommendation: Don’t do business with them!

Gopal R Fmz

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Verified Reviewer

I have closed my account why I am getting email about statement balance?

I have closed my account. But still I am getting email about statement balance. I dont want any email from Fortiva please!
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Preferred solution: Nothing

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