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Business Profile

Loan Servicing

Vervent Inc

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loan Servicing.

Complaints

This profile includes complaints for Vervent Inc's headquarters and its corporate-owned locations. To view all corporate locations, see

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Vervent Inc has 10 locations, listed below.

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    Customer Complaints Summary

    • 366 total complaints in the last 3 years.
    • 75 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/16/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I did not receive a credit card from First Access, yet they have reported an account on my credit reports stating I owe them $467.00. Credit report says I opened an account with them in June 2022. I did not.

      Business Response

      Date: 09/23/2022

      Dear Sir/Madam:

      First ****** has concluded the investigation concerning this complaint and a detailed response letter has been mailed.  Because it contains confidential account information, that detail is not shared on this website.
      We would ask the customer to allow **** days for the letter to be received.
       
      Sincerely,

      First ******

    • Initial Complaint

      Date:09/15/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC ****. Delete this unverified and misleading account.

      Business Response

      Date: 09/20/2022

      Dear ******************,

       

      In order to review further, please provide the additional information listed below:

      -Account type (example: *********** First Access, Citibank, etc)

      -Account number

      -What information you believe is reporting incorrectly to the credit bureau 

       

      Thank you 

       

    • Initial Complaint

      Date:09/15/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I had an account with total **** account number ****************. I paid the account off and closed the account. They did not close the account per my request and continued to bill me $6.25 per month fees. 5/17/22 I paid the service fee after calling them again requesting my account be closed and asking for the fee to be taken off. They refused. They continued to charge me the $6.25 plus late charges. After numerous calls to them I paid them another $18.75 and requested my account be closed on 7/21/22. I paid money I did not owe but felt I had no choice as they were adding late fees. In July a refund was issued to this account from Zappos./com amount $65.06. Not only did they not close my account they sent me a new card and charged me $48.00 plus another service charge and late fee. I have contacted **** of ** who issues the card with no resolution. Total **** owes me the refund from Zappos plus all the late fees and charges. I want a refund for the $65.06 plus fees of $25.00. As the account is closed I want a refund check

    • Initial Complaint

      Date:09/09/2022

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This matter is about a card that I never received or activated but is now reporting as late in my credit report. How can this be? So I am asking you to removed that inaccurate remarks in my credit report. The value of my credit worthiness is at stake.

      Business Response

      Date: 09/16/2022

      Dear ***/*****:

      Total **** has concluded the investigation concerning this complaint and a detailed response letter has been mailed.  Because it contains confidential account information, that detail is not shared on this website.
      We would ask the customer to allow **** days for the letter to be received.
       
      Sincerely,

      Total ****

    • Initial Complaint

      Date:09/07/2022

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I closed this account due to their horrible billing practices. I had a zero balance at the time I chose to close this account. However, a refund for a previously purchased item was credited to the account after it closed and this business refuses to send me a refund, Instead they partially reopened my closed accounts without my knowledge or permisssion and send me statements with a balance of -$250.00. I want a refund from this corrupt business. It is understandable why there are over **** complaints with this horrible company.

      Business Response

      Date: 09/13/2022

      Dear Sir/Madam:

      Total **** has concluded the investigation concerning this complaint and a detailed response letter has been mailed.  Because it contains confidential account information, that detail is not shared on this website.
      We would ask the customer to allow **** days for the letter to be received.
       
      Sincerely,

      Total ****

    • Initial Complaint

      Date:09/06/2022

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      There was a fraudulent charge on my credit card from ********** and I call them with they told me I need to go there website to print a dispute form. How this dispute for does not have the correct fax number or the correct email or address . With I believe this credit card is the one putting all this fraudulent charges on my card and will refund my money back on my card. Please investigate this company for me.

      Business Response

      Date: 09/13/2022

      Dear ***/*****:

      Total **** has concluded the investigation concerning this complaint and a detailed response letter has been mailed.  Because it contains confidential account information, that detail is not shared on this website.
      We would ask the customer to allow **** days for the letter to be received.
       
      Sincerely,

      Total ****

    • Initial Complaint

      Date:09/05/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have a credit account with total ***** My account displays charges that I did not create. Total **** is requiring that I pay for the fraudulent charges and total **** will reimburse me for the charges thereafter. Total **** is reporting these charges to my credit file knowing that I am not responsible for the charges. This is false credit reporting. Upon contact total **** does not provide an address on their website to send the disputed information.

      Business Response

      Date: 09/13/2022

      Dear ***/*****:

      Total **** has concluded the investigation concerning this complaint and a detailed response letter has been mailed.  Because it contains confidential account information, that detail is not shared on this website.
      We would ask the customer to allow **** days for the letter to be received.
       
      Sincerely,

      Total ****

    • Initial Complaint

      Date:09/01/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I would like an email address for **************** CEO of total ***** I have an ongoing going NON resolved issue with fraud that has been going on since 12/2021. I have called 26 times, emailed this company and I am receiving no help.

      Business Response

      Date: 09/09/2022

      Dear Sir/Madam:

      Total **** has concluded the investigation concerning this complaint and a detailed response letter has been mailed.  Because it contains confidential account information, that detail is not shared on this website.  We would ask the customer to allow **** days for the letter to be received.

      Sincerely, 

      Total ****

      Customer Answer

      Date: 09/13/2022

      See attached document 

      Business Response

      Date: 09/14/2022

      Dear Sir/Madam:

      Total **** was not able to find a document attached to the customer's response.  Since no new information was received, we would ask the customer to allow **** days for the letter to be received.


      Sincerely, 
      Total ****

      Customer Answer

      Date: 09/19/2022

      When I responded to the email from ********** for some reason my response would not attach and the character count allowed exceeds. Please see my response below

      The only thing total **** has done is send a me a generic letter stating my claim is valid. I have specifically asked several times through email and p hone communication along with a typed letter emailed to corporate asking for the details of the fraud investigation. Specifically  every single exact step they took, minute by minute to which to this day they have yet to send me. Every single time I call I am given the run around. I have asked multiple times for the contact information for the *** of total **** and have been told they dont have it. So you are telling me not one single person in this entire company has the ***s contact information, there is absolutely no way for anyone in this company to make contact with the ***? I was advised 17 weeks ago that a supervisor would be returning my call. To this day, I am still waiting for this call. ********** is stating this charge is valid because it matches my zip code. Unacceptable. Since Total Visas fraud department clearly does not know how to conduct a proper investigation I took it upon myself to do their job for them. The fraud package was sent to a mental health facility in ***** **********. How did I find this out? I got off my a** to do your job for you! This facility has over 100 cameras in their facility. The first point of contact is the front desk which, surprise has 5 cameras in the waiting area. Any package that comes through the door goes directly to the front desk which in turn has to be opened and inspected before being given to the individual. Did total **** know that? No. Why? Because they refuse to get off their ***** and do their jobs. Why wasnt the video footage reviewed or requested? I asked if the footage had been requested and was advised by their *** by the name of ************ assistant ************************* that this to her knowledge has never been requested. Funny that I was able to find out this information YET total **** was not, which could explain why they are refusing to provide me with a detailed report of this so called investigation that they so called did. It is 100% not okay for my hard earned money to be used for someone else, especially without my permission. Now, if total **** feels these charges are so valid based off their ******** investigation, then they can take their hard earned money and give it to the person who stole my card information. I want this refunded. It has been 10 months of me doing total ****s job for them and fighting for my money back. You cant say its a valid charge because we live in the same zip code. Is that what cops tell murder victims families, we are sorry that your son was killed but its valid because it happened in the same zip code GTFOH. I want the complete detailed minute by minute report of your investigation. I want to ensure you reviewed the camera footage and spoken to the point of contact for the facility where this package was delivered to. You have the authority to do so, so f****** do it! DO YOUR JOB as you are paid to do.  You will not get away with bullying me and forcing me to pay out of my own **** pocket money for someone else, YOU CAN DO THAT.

      Business Response

      Date: 09/22/2022

      Dear ******************, 

      The response mailed to you provided you with the steps taken by ********** to investigate the claim of the unauthorized purchase for $117.06 to the merchant *************************** letter also stated that if you had additional information, to send that information to ********** and the investigation could be reopened.  Because the investigation determined that the merchant verified the address given to them matched the address on your account and that the security code on the card was provided to the merchant, further investigation was not needed.

      If you have now additional information from the merchant showing where the purchase was shipped, this information can be provided to ********** and the investigation can be reopened.

       

      ********** 

      PO Box 85710

      ***********, **  57118

       

       

       

       

      Customer Answer

      Date: 09/22/2022

      no you did not. I am looking at the letter right now and it does not give a step by step minute by minute detail of the investigation. Where does it show in the letter that you spoke with the facility and reviewed video footage?? Im sorry when did I move into a mental hospital? So to be clear, you want me to perform the investigation for you is that correct? Am I did convey this information to your several representative that I spoke to? Why havent you addressed the supervisor follow up phone call that is now **** weeks past due still awaiting for that call. Stop bullshiting your way out of this. You did not do your job! Nothing on this letter shows a detailed investigation nor any mention of video footage or contact w the point of contact. NOTHING! So please explain.

    • Initial Complaint

      Date:08/30/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I made a transition on 8/25 for ***** on my **** card ending in ****. I called in on 8/26 to decline the credit card offer and was told that my refund would be sent to me when they get to it and this is very unprofessional .

      Business Response

      Date: 09/07/2022

      Dear Sir/Madam:

      Total **** has concluded the investigation concerning this complaint and a detailed response letter has been mailed.  Because it contains confidential account information, that detail is not shared on this website. We would ask the customer to allow **** days for the letter to be received. 


      Sincerely,
      Total ****

    • Initial Complaint

      Date:08/30/2022

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

      Business Response

      Date: 09/09/2022

      Dear Sir/Madam:


      Total **** has concluded the investigation concerning this complaint and a detailed response letter has been mailed.  Because it contains confidential account information, that detail is not shared on this website.  We would ask the customer to allow **** days for the letter to be received.

      Sincerely, 
      Total ****

    Vervent Inc is NOT a BBB Accredited Business.

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