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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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:11/19/2022

      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.
      Total *********** Account ****************************. I called to ask them to change my billing date from the 24th to the 3rd of the month. They hung up on me, they transferred me about 5 times, and when I did get to speak to a Supervisor, they blocked me from calling them and accessing my account online. I want to close this account now but when I wrote them I received no response. I am afraid this will affect my credit rating which I have been trying to raise my score. What do I do?

      Business Response

      Date: 11/23/2022

      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:11/17/2022

      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.
      You are in violation of 15 USC ****, Misleading False Reporting this account is negligently and inaccurately reporting failing to comply. This account in violation not reporting 100% accurate. Under 15 U.S Code ****a(4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, I demand you to DELETE IT FROM THE CONSUMER'S FILE.

      Business Response

      Date: 11/23/2022

      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:11/16/2022

      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 recently applied for a credit card (Revvi) I was approved for $300 credit limit. Then I had to pay $89 processing fees and then I had to pay an annual fee of $75.00. I paid it all then I go to access my and activate my card. The system says that my Revvi credit card does not exist.. I called the company several times and they have not even try to activate my card. I sent them emails requesting to close my account and refund me my money back, but I have not received ANY OF my money back. They sent me a billing statement of what I paid but refuse to close my account or refund my money..

      Business Response

      Date: 11/23/2022

      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:11/16/2022

      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.
      11/14/2022 Myself, as we well as numerous members of my family received a collection request on a credit card that never made a single purchase. I contacted *********** who basically told me that they sold my account and could not assist me with any additional information. There was no evidence on their part that I never owned this card, and they were incredibly unhelpful with their response, basically telling me, "too bad, there's nothing we can do" In the meantime, I was forced to make a $440 payment for a card that I never used, just to save my credit from taking a hit, and in fear that my family would continue to be harassed. I never received a single piece of communication, through email nor regular mail. Up until this morning, I didn't even know that I had this account. Not a single person could give me a logical explanation as to why I assessed a $440 charge when I never spent a single ***** with this card. Through this communication, they did inform me that my account was, "sold" to a company called Rocky ******** **************. This organization basically informed me that I had to go back to ********** for any/all info. The only piece of into they could confirm was again, that not a single purchase was ever made, and they provided me the last 4 numbers of the card number, x3815 Again, I made the payment that they requested as I did not want my credit to be impacted, nor did I want my family to be harassed any further. I have attached a screenshot of my balance before/after, but I do not feel that this should have ever been paid in the first place. Coincidentally, the "account" number provided to me in the screenshot is ****************, which is astoundingly similar to the last 4 digits of the card number I was provided. I am pleading with you to help me in recovering this balance that I don't feel should have ever existed in the first place. Thank you for anything you can do. Sincerely, ***********************

      Business Response

      Date: 11/23/2022

      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:11/16/2022

      Type:Order 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 liable for this debt with ********** (account 405731XXXXXXXXXX) and do not have a contract with TBOM/Vervent Inc. They have not provided me with the original application like I have asked.

      Business Response

      Date: 11/21/2022

      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:11/16/2022

      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.
      TAKE ALL AUTORIZED USERS *************************** AND *********************, AND REUND ALL PAYMENTS MADE FROM LEATOS SSDI ACCOUNT ENDING IN **** TOTAL OF $ ******* A COMBINED TOTAL SINCE ACCOUNTS WERE OPENED.

      Business Response

      Date: 11/23/2022

      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: 11/24/2022


      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:11/14/2022

      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 have tried multiple times to request a password reset online and called the customer support center at ************** and **************, and every time I try to speak to an agent, it goes into an error message stating, "I am sorry, an error occurred." Therefore I am not able to get access to my account. I have used this CC once, paid that amount off, and never used it since, and yet I have a balance of $92.35 on the account, which is all late fees and monthly service fees. I want a refund, a correction to my credit report, and this account to be closed, as I can't even get ahold of a person or see the transactions. Worst CC I have ever had.

      Business Response

      Date: 11/21/2022

      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:11/10/2022

      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.
      Total **** credit card been scamming me out of my credit limit been trying to overcharge me telling I owe $87 I have proof of everything screenshot did not dispute the transactions as well etc... schemes operations scandals going with people accounts and credit limit balance instead of charging the interest rates up

      Business Response

      Date: 11/17/2022

      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 ****

      Customer Answer

      Date: 11/17/2022

      ***********************************
      Your Better Business Bureau

      MESSAGE FROM BUSINESS:

      Dear ********************************************** 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.
       Fraud alert charges network going on with people personal information and including greater Texas credit union vs total **** card credit trust me I know game ???? when I see it I am just like y'all world ???????? who can read through all of it especially playing around with people personal information and data accounts and database breaches and kept trying t scam me to run up my credit card limit that y'all never gave to me but doing fraudulent alerts charges 

      Business Response

      Date: 11/18/2022

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

       

      It is unclear what the additional comments have to do with your original complaint about your credit limit.  Please contact **************** at ************** to discuss the account. 

    • Initial Complaint

      Date:11/09/2022

      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.
      Total **** is a company that I have a small credit card with and the company has let a fraudulent company charge three different totals to this card that I have been disputing since June of this year. I had my lawyer to send them a lawyer in reference to the matter and they have yet to respond. I spoke with two supervisors- one gave me the numbers to the company and I have called the company on numerous occasions and have not received a callback. Total **** is stating they investigated the charges and the address match. They are not giving me any information on the address, what was the charges of the items, nor the address of this company for me to follow up and investigate this company. I have made copies of these charges and sent them to Total **** and I am only receiving that my case has been closed because they have my address attached to these charges that were on the old card last 4 digit number ****. I was sent a new card and the charges were placed on that card. I had this issue with them a few years ago with someone charging 70 dollars for a game and they strengthen that fraud charges. Now, I am being told that my case is CLOSED on these fraudulent charges. The numbers that I receive from these companies will not return my card and identify themselves and I want Total **** to take these charges off my account they refuse by stating the fraud department see that they match my address. Fraudulent charges 1. Merchant Name: NJRTSTOREPA (****) Date of charge: 06/07/2022 Amount of charge: $ ***** **************** # ************ 2. Merchant Name: NJRSTOREPA (****) Date of charge: 06/22/2022 Amount of charge: $ ***** ****************# ************ 3. Merchant Name: NJCTMARKETPA (****) Date of charge: 06/22/2022 Amount of charge: $ **** ****************# ************ These are the companies that Total **** above approved these charges to my card with their company..I would like Total **** to be held accountable..Respectfully, *********************************

      Business Response

      Date: 11/16/2022

      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 ****

      Customer Answer

      Date: 11/28/2022


      Better Business Bureau...

      This matter has not been completed...Total **** is not investigating this issue with the Fraudulent charges. I received a letter from them stating that the matter has been closed but they cannot verify who this company is to me that has these charges on this small credit card that I have with them. 

      The letter stated that a they confirmed the billing address and these charges are in *******. I live in ******* and I only use this card for small purchases. These charges were placed on this card by someone in ******* and I do not use a three number code or pin to use this card. WHAT MERCHANT? I have yet to get that information because when I call the numbers fro these merchant NO ONE calls me back after leaving numberous messages.

      THIS CASE IS NOT CLOSED BECAUSE I REFUSE TO PAY FOR SOMETHING THE THIS MERCHANT DID NOT GIVE TO ME. BECAUSE I DO NOT KNOW WHO THEY ARE AND WHAT WAS PURCHASED. 
      Total **** letter also does not have a name of anyone specific to speak with on the letter that I received from them.

      They are not trying to resolve this issue...but they want me to pay for these fraudulent charges that I did not make to this new card that was send with these fraudulent charges from the old card.

      *********************************

      Business Response

      Date: 12/02/2022

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

       

      In the response letter provided to you, we explained that you could provided additional information about the dispute if you still disagreed with the outcome.  We have forwarded your rebuttal comments to the department that reviews billing disputes.  They will provide a separate letter with their findings.  

      Customer Answer

      Date: 12/06/2022


      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:11/08/2022

      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.
      I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name TOTAL **** Balance $0.00 Account Number ****************

      Business Response

      Date: 11/15/2022

      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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