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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

    • 367 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:01/16/2023

      Type:Service or Repair 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.
      My physical credit card expired 6/22. Since this date the company has failed to provide me with a new card or access to my account. Today is 1/16/23. Over 6 months of credit dings and late payments. Every time I call they tell me that for 6 months they have delays. I have not been able to see my account, what they are charging me, and how many late payments have hit my credit due to this. I just want access to my account to make payments and close the account.

      Business Response

      Date: 01/20/2023

      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:01/14/2023

      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.
      On 12/4/22 I was approved for a ********** card. I was told in order to have my card processed and mailed to me, I had to pay a fee of *****, which I promptly paid. Once I paid, I was told I would receive my card within ***** business days. On 12/15/22, Instead of receiving the card, I received a billing statement. Then on 12/20/22, I received an email apologizing that I did not receive my card. On 1/4/23, I called **********, was put on hold, given the run around and eventually was hung up on. When I called back, I was told that my card would be sent that day and I should receive it within ***** MORE business days. When I inquired about what the delay was about in the first place, I was told it was because of the holidays. When I asked why they offered customers to apply around the holidays with the knowledge that card production is slower and why require us to pay a fee first, I was hung up on again! Today is 1/14/23 and I still have not received my card but instead, I am out of the 89 dollars upfront fee they told me to pay. I a single mom and a government employee so I work hard for and every single ***** I earn is important to me. I definitely need ********** to make this right and if they are scamming hard working people, they ought to be exposed.

      Business Response

      Date: 01/20/2023

      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:01/12/2023

      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 am not responsible for this debt, the debt has been charge off. TBOM/VT has proceeded to violate my privacy and rights by publishing this on all 3 Credit Bureaus without my consent and/or permission. In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. ACCOUNT# ******************* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 ***********. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

      Business Response

      Date: 01/23/2023

      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:01/12/2023

      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.
      ON MY CREDIT REPORT IT SHOWS FIRST ACCESS CARD WAS CHARGED OFF. I PAID 3RD PART SINCE IT WENT TO COLLECTIONS RELIANT. RELIANT STATED THEY REPORTED TO FIRST ACCESS CARD THAT I PAID $392.57. WHEN I CALLED FIRST ACCESS THEY TOLD ME THEY COULD NOT ASSIST ME SINCE ACCOUNT WAS CLOSED. MY CREDIT REPORT IS NOT BEING REPORTED CORRECTLY SINCE MARCH 2022 SHOWS CHARGE OF FOR FIRST ACCESS. SHOULD BE PAID. I HAVE TRIED TO DESPUTE SINCE MARCH AND HAVE NOT BEEN SUCCESSFUL. FIRST ACCESS IS REPORTING INCORRECT INFORMATION TO CREDIT BUREAUS. PLEASE HELP CORRECT FIRST ACCESS CARD TO PAID. I HAVE A RECEIPT TO PROVE IT WAS PAID. I HAVE FAXED OVER RECEIPT TO FIRST ACCESS BUT NO RESULTS.ACCOUNT# **************** FILE# ***************** PAID RECEIPT TO RELIANT

      Business Response

      Date: 01/20/2023

      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:01/11/2023

      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.
      I, was approved for a **** card with ********** on November 15 2022, my processing fee of ***** was taken i waited for the card nearly 2 months each time I called they said there is a delay in card processing. I, just called on the 11th of January 2023 and was informed that my account was canceled due to non payment..A bill for what I never received a card

      Business Response

      Date: 01/18/2023

      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:01/05/2023

      Type:Product Issues
      Status:
      Resolved
      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 received a refund to my total **** card in Oct 2022, however the **** card is closed. I contacted Total **** in Nov 1st and the rep. stated they would mail a check in the refund amount of $240.37 I waited 4 weeks and called back. (1st week of Dec) Another rep said the check wasn't issued but to remedy the issue they would issue the refund to my debit card (last method of payment) and it would take 5-7 days. I called back again 1 week (2nd week of December) and another rep said it would take 30days to process. Now is Jan 5th 2023 and the refund has yet to be processed. I called today (Jan 5th) and they said its still processing. This is going on 60+days. I just want my money back. The credit card is closed.

      Business Response

      Date: 01/11/2023

      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 ****

      Customer Answer

      Date: 01/11/2023


      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:01/03/2023

      Type:Service or Repair 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 card company had my payment in die as they used it to charge me payment automatically 6 times. Then they decided to not charge me for my payment even though they sent a text saying it was paid, and an associate confirmed over the phone. This company was never paid late but is just horribly ran.

      Business Response

      Date: 01/10/2023

      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:01/03/2023

      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.
      This company deals in fraud. December 2022 I dealt with them on the grounds of receiving a unsecured **** credit card. I paid my fees . Now it's January 2023 I receive a bill but I have not received a credit card and the bill is not $0 but its $75 with a min. Pymt of $41. I asked to receive the complete **** card number but I was told I could not have .this is just fraudulent business and I just ask that they be stopped because they most definitely hurting the American consumers. You are the government and I am turning to the government for help.

      Business Response

      Date: 01/10/2023

      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:01/03/2023

      Type:Service or Repair 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 was approved for a Total *********** Card on 11/18/22. To date I have not received the card. But they were still demanding payment for the annual fee. **************** continually told me the card was coming and had been shipped, but I should not be receiving a bill for a card that was never received or activated.

      Business Response

      Date: 01/09/2023

      Dear Sir/*****:


      Total Select 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 Select

    • Initial Complaint

      Date:01/02/2023

      Type:Billing Issues
      Status:
      Resolved
      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.
      Acct #:1021 I have continuously reached out to this company in regards to getting monthly statements as well as disputing several charges and fees placed on the account. I was placed in a hardship program in which the company made 6 months of minimum payments on the account. During this time I continued to call the company to get statements and dispute fees with no resolution. The company is reporting the last payment made to be in June 2022. In September my account was charged off and customer service could not give me answers. I recently spoke with customer service and the representative advised me to dispute the charges that were all that could be done because they are in separate departments and cannot see what the customer service department does to the accounts. Because I have been denied statements and corrective action with the fee, I am reporting this company. I am not denying ownership of the account but the amount being reported and that it was charged off during continued payments.

      Business Response

      Date: 01/17/2023

      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 ****

      Customer Answer

      Date: 01/19/2023


      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,

      Kieyotia *******

       

    Vervent Inc is NOT a BBB Accredited Business.

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