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:
  • Non properly functioning website
  • Terrible customer service
  • Scammy business practices

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:
  • No ability to contact us customer service
  • Incompetent
  • Fraudulent

Preferred solution: Full refund

User's recommendation: do not use this company

Anonymous
map-marker Spartanburg, South Carolina

Wathey really suck!!nt to talk aboutail offer

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They lied is what happen act like they didn't discriminate against credit and; misled me to think that they were easy to get a card from them!! Deceiving it's a shame you can't take some of these credit card people seriously Sad!!!
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User's recommendation: Do not believe what you read from these people!!

Scott C Hna

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Verified Reviewer

Can’t get ahold of an American, card paid off but still not posted

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So this was paid off 2 weeks ago. Still getting hate phone calls saying I have a late payment 5 times a day. I call customer service and they are located in Asia. No phone number to speak to an American. The Asian cant help me other than what we both see on the website.
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Loss:
$578
Cons:
  • Dont post payments made by certified check

Preferred solution: A call from the Atlanta office

User's recommendation: Don’t waste your time with this card

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!

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

Anonymous
map-marker Phoenix, Arizona

Get a fortiva credit card

Customer service was closed could not speak to anyone have to call back at 800 am saturday that's all that happened
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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.
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!

Orchid Erq
map-marker Fort Myers, Florida

Charging me for my card before I even activate it

Charging me money before I have ever used it I feel this is unacceptable and I am canceling immediately
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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

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

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.

View more comments (3)
Robert D Flc

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Verified Reviewer

Nickel and dime customers

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Fortiva - Nickel and dime customers
Dear Fortiva, I am writing to express my extreme dissatisfaction with the way you have been handling my account. I recently closed my account with your company, but I have noticed that you have been "nickel and diming" me with various fees and charges even after the account has been closed. This is completely unacceptable and I feel that your company is taking advantage of me. I have been a loyal customer for some time now, and I expected better treatment. Your company's actions have caused me a great deal of frustration and inconvenience. I demand that you immediately cease these charges and fees, and refund any amounts that have been wrongly charged to my account. I also request that you provide me with a detailed accounting of all fees and charges that have been assessed to my account after it was closed. I hope to hear from you soon regarding this matter, and I trust that you will take swift action to resolve this issue. Sincerely, [ROBERT DE LIRA 11545 5TH PL HANFORD CA 93230 559 319 ****
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Loss:
$120
Pros:
  • Help you fix your credit
Cons:
  • Too greedy too expensive they are criminals

Preferred solution: Price reduction

User's recommendation: Absolutely not unless they fix my problem

Zogbo M

I don't know about this fortiva credit card how do I get this card I don't know?

I don't know how did I get this credit card? I need to know, I have not received any credit card from this company yet
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Preferred solution: I will like to know how did get your credit card?

Anonymous
map-marker Washington, District Of Columbia

Billing information

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Excellent customer service. The waiting time and the enthusiasm of the customer service representative was wonderful
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User's recommendation: Excellent customer service

2 comments
Guest

OK , I MUST HAVE MADE A BIGGGG MISTAKE. JUST LIKE I DID

Guest

PISSED AIN'T THE DAMN WORD!!!!!! I PAID $62.63 LAST NITE AND FORTIVA TOOK $1329.63 OFF MY CARD.

YOU ASK WAS I PAYING $63.63 AND I SUBMITTED YES. SO HOW THIS HAPPENED ? HERE I AM TRYING TO ALWAYS PAY MORE AND THIS WHAT I GET.

I DON'T SEE HOW I MADE A MISTAKE LIKE THIS ALTHOUGH ANYTHING POSSIBILE. THEN TELL ME IT'LL BE 3 TO 5 DAYS BEFORE IT'S RETURNED.

View more comments (1)
Ronald A Jpw

I never recieved the dispute form i asked for

I spoke with a representative from Vivent and was told that I had a 30-day free trial with their security system that was a lie I was charged then I spoke with fortiva about the situation to get a refund and they bounce me back and forth with Vivint I explained to them about the LIE from Vivint however they told me the best they can do was send me a dispute form. However they contract with them so it is a money making scheme.
View full review
Loss:
$4000
Pros:
  • Will finance
Cons:
  • Have unethical tactics

Preferred solution: Full refund

User's recommendation: Do not do business with Vivent because they misinform and misguide which i am sure Fortiva is very aware of.

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