Fortiva

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.

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 ****