Complaints

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

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• 

  Vervent Inc

  10182 Telesis Ct Ste 300 San Diego, CA 92121-4777

• 

  Vervent, Inc.

  7303 SE Lake Rd Portland, OR 97267-2111

• 

  Vervent Card Operations Card Program Management

  2700 S Lorraine Pl Sioux Falls, SD 57106-3657

• 

  Vervent Inc

  PO Box 503430 San Diego, CA 92150-3430

• 

  First Associates Loan Servicing LLC

  PO Box 206536 Dallas, TX 75320

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.

• Initial Complaint

  Date:07/27/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  On 6 13 2022 I have fraud transaction on my credit card Emblem 8 trans action of 50 dollars on 6 15 2022 3 transactions of **** on 6 15 2022 1 transaction of **** and on 6 15 2022 1 transactions7.99 than on 6 16 2022 2 transaction of a dollar and then on 6 17 2022 a transactions of ****. And I filed a complaint with them and they said they would send me a packet to fill out for fraud and they never did and now trying to get me pay the whole amount and it's gonna mess up my credit which for the past 5 years I have been restoring.Thank you ***************************.

  Business Response

  Date: 08/03/2022

  Dear Sir/Madam:

  
  Emblem ******************* 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,
  

  Emblem Mastercard

• Initial Complaint

  Date:07/27/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  have spent 35 phone calls, roughly 30 minutes a call for the past 5 months +. I called and payed off my account, cut it up and threw it away February 23rd and April 1st my account was debited ****** and now we are in the end of July almost August and I still have not been refunded. 35 phone calls, 30 minutes each and now I am going to come get my money next week one way or another. I did the right thing and here we are. I want my money back now or I will come get it.

  Business Response

  Date: 08/08/2022

  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:07/23/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 company is the worst company in the history of credit card companies because I obviously had a credit card open in my name that was fraudulent and they're still ruining my credit won't answer my calls sending me bills in the mail I want this taken care of because I did not open this account

  Business Response

  Date: 07/27/2022

  Dear Sir/Madam:

  
  Revvi 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,
  Revvi

• Initial Complaint

  Date:07/20/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  In the middle of June, I went online to see if I could get a credit card (I am currently in the last year of Chap 13). A card named REVVI sent me a card with a $300. limit, but this included an up-front fee of $89.00 which I paid with my debit card. I then realized I did not want the card after rereading & realizing that the only way to use the card was to deposit my social security check into the account so that I could get paid 2 days earlier than usual. That set off warning bells for me. I called the company on June 30th and told them I didnt want the card after all and was assured that I could get my full refund in 5-7 business days. After a week or so I called again and got the same response5-7 business days. Beginning Monday July 11th I started calling almost every day. By last Friday the 15th, they started sounding irate with me. The kid I was talking to kept saying there was a backlog of these requests and I should give them until the following Monday or Tuesday, yesterday. So-I waited until today, Wed July 20th, before calling again. I got the same response including Were going to rush your paperwork to the front of the pile, so expect to get your refund in **** days! At that point I told the kid ******* to be sure his boss got my message that I was fed up and that I was calling the Better Business Bureau. I then called the ******* number that was listed and spoke to a very kind and patient lady in *****. She asked several questions and eventually directed me to this website. After all of this occurred I changed my debit card for safety. When I told ******* about this, and did not give him my new debit card numbers, he said in that case they would send me a check. I just thought if you guys send them some kind of letter to put the fear of God in them, maybe I could get my money back. Thank you so much,Dr *****************

  Business Response

  Date: 07/27/2022

  Dear Sir/Madam:

  
  Revvi 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,
  Revvi 

• Initial Complaint

  Date:07/20/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 company in which has no real telephone number added an account to my credit report and according to the **** this should not have been added due to being well over 10 years old. I provided documents to equifax stating this account needs to be removed but they are reporting illegal information so they stay on my report longer. This company stated I made payments to them and I didnt and they refuse to show me any proof of payments or communication between us. I have never received any letters from them.

• Initial Complaint

  Date:07/19/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 is in regards to application ******** I have called you guys 4 times because you keep emailing me telling me to pay my program fee as it will expire on 8/17/22. You guys never sent me my card , I called on Friday 7/15 and 7/11 and 7/6. Everytime your agents do such a poor job of verifying my Information and just want to get off the phone so bad that they never EVER told me there was not an apt number on my address , so of course I never got the card. Today is the first time I was told that the apt D102 was not added, and if I remember correctly when I filled out the application it gave me an error and suggest address by the post office so I used what it suggested it BUT IT HAD MY APT NUMBER. I am now less than a month from my expiration Date on my card, 8/17, I have no card AND you dropped my credit score 18 points. My credit dropped for something YOUR COMPANY FAILED TO PROVIDE. I asked for the card to be reissued and was told today that it can't be done and will have to get approved. I want all the calls pulled where your agents failed to tell me there was no apt number, that should be a fail as I was not verified everytime I called in correctly. I will not have my credit dropped for something I never received and I WILL NOT APPLY AGAIN AND HAVE YIU DROP MY CREDIT SCORE AGAIN. I WANT MY **** APPROVED AND SENT TO ME . OVERNIGHT THE **** OR I WILL GO TO THE FEDERAL TRADE COMMISSION.

  Business Response

  Date: 07/27/2022

  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:07/18/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  My account was charged twice on two separate days. I have called and spoke with 3 people regarding this error. I was promised a resolution in **** days. That time framed passed and still no resolution. After speaking with a supervisor in a conversation that went nowhere, I still didn't get a refund. I contacted my bank and resolved the error. First Access Card then cancelled my payment and charged a late fee. My payment has been tied up for a month and they are blaming me for the error. They acknowledged making the mistake and didn't post the two transactions.

  Business Response

  Date: 07/27/2022

  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 ******

  Customer Answer

  Date: 07/27/2022

  My account has not been properly credited and my credit report has not been adjusted.

  Business Response

  Date: 07/28/2022

  Dear Denarius *****,

   

  Account detail is explained in the letter mailed and due to the privacy, is not listed on this website.  You may also contact **************** and discuss the resolution.

   

   

  Customer Answer

  Date: 08/01/2022

  I have not received the letter

• Initial Complaint

  Date:07/15/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 opened a First Access **** account with ******** of Missouri over a year ago. I opened it to help my credit score improve because I didn't have any credit cards. I made a charge each month and paid it off each month to help build my credit score. Then the company began increasing their fees so I paid it off in full and asked them to close my account in March 2022. They confirmed it was closed. In April I received another statement from them stating I owned a balance of $137.30. I looked at the statement and saw a charge from Amazon that I did not make. I immediately called the **************** number for ******************** Access **** (******** of Missouri). I explained to them that a fraudulent charge had been placed on my closed account. They sent me a form to file a dispute against the charge. They explained that I would need to get this dispute back to them within 10 days. They told me to fax it to them and they gave me their fax number. I tried multiple times to fax the dispute, along with all of my documents of proof. My fax was 13 pages including the cover sheet. I was never able to get my fax to go through. The fax number was always busy. I have saved all of my fax receipts showing the number was busy multiple times. I tried to send it via fax for a couple of days. When I couldn't get the fax to go through, I ended up calling them back to let them know I couldn't get my fax to send because their fax line was busy. I asked them if there was another way I could send the dispute and get it to them within the ten days. They told me I could email it. They gave me the email address and I emailed it to them that day. I waited several days and never heard from them so I called again. They had not received my email, supposedly. So, I emailed it again. This time they received it and my dispute was granted and the charge finally removed. Now, the same charge is back on the closed account and they are telling me I'll have to dispute again. Please help!

  Business Response

  Date: 07/22/2022

  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 ******

  Customer Answer

  Date: 07/22/2022

  Theyre asking me to wait on a letter from them which will take 7 to 10 days to arrive.  They could have agreed to make this right with me and remove the fraudulent charge and fees again since they allowed them to be placed on a closed account. This company is doing this to other people besides me. Theyre adding fraudulent charging to these accounts and hoping people dont take the time to dispute it. 
  The charge placed on my closed account was disputed and removed. They told me they made sure my account was closed after the disputed charge and associated fees were removed but then they allowed the fraudulent charge to be added back on my account again!!!  I want the fraudulent charge removed again along with the fees they have wrongly charged me. I also want confirmation that this account is closed and no other charges and fees will be added.  They have also posted false late payments on my credit report and I want those removed as well.
  They asked me to fax over all of the documents for the dispute but their fax line is never open. This company is a fraud. Theyre scamming innocent people. Please help me with this. 

  Business Response

  Date: 07/26/2022

  Dear *********************, 

  First Access mailed a detailed response letter to you which we believe will address your concerns. We would ask that you allow **** days for the letter to be received and reviewed before submitting a rebuttal. 

  
  Sincerely,

  First Access 
  

  Customer Answer

  Date: 08/02/2022

  I received the letter which states that your company failed to make the corrections on my account when the last dispute was received from me. In the letter you also stated the correction has been made and all of the charges were removed from my account however, you did not state that my account has been permanently closed with a zero balance and in good standing. I need a letter stating this. I also need you to correct the negative reports you placed on my credit reports. I need you to let me know in writing that the corrections on my credit report have been made and that my account is closed in good standing with a zero balance. I need you to send a copy of this letter to the BBB so theyll have a copy of it. 
  Thank you for your help with getting these fraudulent charges off of my account and making it right. 
  *********************

  Business Response

  Date: 08/04/2022

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

   

  The investigation found that the purchase posted prior to the account being closed.  The investigation found you not responsible for the charges and purchase along with fees have been credited. The payment history during this time has been adjusted.  The monthly billing statements show the account closed.  

   

  Sincerely, 

  First Access 

   

  Customer Answer

  Date: 08/05/2022

  When I checked my credit reports recently, I saw that this company had charged me with late payments when I didnt even know I had a balance on the account. I need to know that they have removed all of the negative reports from my credit files. Thank you!

• Initial Complaint

  Date:07/14/2022

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  while looking at my cras i notice some tradelines are paid/c/os and others paid in settlement. please remove all remarks from all accounts. leave only paid in settlemenr.

  Business Response

  Date: 07/20/2022

  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 ******

  Customer Answer

  Date: 07/21/2022

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *************************
  
   
  

• Initial Complaint

  Date:07/13/2022

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  TODAY I CLOSED MY 3 ********** CRAS, AND REFUND ANY FEES REVVI NO.******************* TOTAL **** NO.******************* FIRST DIGITAL NO.******************* PLEASE CLOSE ALL 3 TRADELINES AND UPDATE ALL CRAS.THANK YOU! DOB 12/23/1987 SS#****

  Business Response

  Date: 07/20/2022

  Dear Sir/Madam:

  
  Revvi  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,
  Revvi

  Customer Answer

  Date: 07/20/2022

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***************************