"Plain and simple, big time thieves"

Made a Wayfair purchase on July 15 2022. First statement was dated August 11 2022 showing an interest fee dated August 9 2022. After giving up on trying to have their costumer service explain why there was an interest fee on a 24 month deferred fee plan even before the first statement was generated, on Jan 30 2023 I paid the full balance of the statement (dated Jan 11 2023). Payment was due on February 6 2023. After almost 7 month with not a single communication form them (email, letter, phone call, nothing), on August 17 2023 came to find out there is a late payment on my credit report from them, claiming there was a fee not paid and now I owe 85 dollars. After looking at filling a claim with BBB (which I didn't because Fortiva cannot get any lower reviews) I filed a claim with the Consumer Financial Protection Bureau which is a government agency. Government should shut them down and ban them from any financial activity.

"They repeatedly LIE about posted…"

They repeatedly LIE about posted payments. Never been late ONCE… always at least a WEEK early and still get fees. I plan on filing fraud charges. I’ve recorded all chats, conversations, online account info., etc. I suggest all do the same. Go to your bank and fight their fraud and scam ways. It’s against banking laws!!! The LYING was the last straw for me.

"Make you pay with late fee's & interest fee's when it's there fault."

My husband and I have an account with Fortiva. I thought at the beginning that the accounts came under one so I started paying one not knowing about the other until my husband handed me an envelope and ask me to pay it bc it was late. I told him that I already paid them. Later another day I noticed that the one he gave me had his name on it so I called to explain what happened. I paid late fee but was unaware of interest fee's.(never heard of that) Also at the beginning I didn't know who they were and that Vivint was totally separate. Vivint explained to me that they was the service and Fortiva was the equipment. A bit much from all of the problems that we had from the very beginning with the equipment. My husband started out with $2000.00 which in a years time we paid 1330.21. His balance as of now is 1801.73, only 153.00 was applied on the account from payments from July 2022 to July 2023. Difference of 515.98 extra Fortiva wants us to pay for late and interest fee's. On mine they took double payment and the reason why my husbands account was messed up is because they had changed it to my name so my name was on both accounts as the owner of the accounts. Fortiva's making us pay for the mistake that they made. Last month June 2023 They just fixed it by putting my husbands name back on the rightful account that belongs in his name. We should not have to pay for there mistake. They rip people off which is not right and they don't work with you even when the situation or error is on there end. Totally not right.

"Fortiva are crooks..my balance never…"

Fortiva are crooks..my balance never seems to go down and their late fees are ridicoulous! I will NEVER deal with this company again!! DO NOT DEAL WITH THEM!

"NEVER DO BUSINESS WITH THIS COMPANY!"

NEVER DO BUSINESS WITH THIS COMPANY OR ANY COMPANY THAT USES THEM FOR FINANCING. They will randomly switch your retail loan (security system payment, etc) to a CREDIT CARD LOAN. Then start reporting that new Credit Card to credit unions.

THE PROBLEM with this is you can make all your payments faithfully but they'll convert you to a card with an extremely low credit limit. Causing your Credit Utilization to sky rocket and your credit score to plummet. Went from 815 to 720 in 60 days, this was the only change in my credit report.

Vivant used this to finance my security system at 0% interest. I paid every month. They sent me one random email saying I must "reject the change". (how many emails go missed) Nothing in writing, nothing in the mail, never even received the credit card.

This is modern-day loan sharking. No one in customer service can rectify this situation or even come up with one benefit to consumers for this change. Paid off the balance and closed the account immediately. Tricksters and frauds. BEWARE!

"Fortiva Credit Card review pros and cons"

Had the credit card for a while paid it off within a timely manner call to have the maintenance fee waived cancellation Department said no problems my account qualify for one year of no maintenance fee was never charged in maintenance fee for April and May then turned around and got electronic statement for June for the $12 maintenance fee. Called again to ask why was not given a significant or sufficient reason rather why has to be transferred to that department was declined by the customer service agent. The credit card is actually not worth the headache especially when you have to pay for a credit increase which I found to be kind of off a little bit. Expect to pay at least $40 to $50 each month on purchases there is no set minimum under that amount unless you spend under $30 then you would be required to pay that $30 as a minimum. Closed the account.If you're looking for a easy way to maybe establish credit Capital One would be the way to go.

"Fortive sucks"

Fortive sucks. I owed them 1.51. talked to their customer service. they agreed to have it written off !!!! But Fortiva continued to bill me 69.37 ???. when this payment did not go through they charged me 30.00 for bank not paying it!!! So you can not owe them anything but still bill you for a normal payment. What gives ???? State Attorney General complaint time!!!

"La persona que me atendió fue muy…"

La persona que me atendió fue muy amable.

Rápidamente resolvió mi duda

"Don't believe the "you're pre approved" JUNK MAIL!"

I have received several letters stating I have been pre approved for this credit card. After a run of bad experiences years ago, I've worked very hard to fix my credit and decided to get a credit card for emergency purposes, and to help with reestablishing my credit. So I open this pre-approved letter and what?? Immediately it tells me that I am no longer eligible, ??? It was put in my mailbox 30 min ago, how am I no longer eligible?? It's another piece of junk mail. Throw it out.

"Can you please send me a statement to…"

Can you please send me a statement to my address at home with the amount I owe you please