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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:11/07/2022

      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.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 12 FIRST ACCESS **** OF MISSOURI 431732020621****$470.00Under the Fair Credit Reporting Act, 15 U.S.C. ? ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 11/16/2022

      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:11/05/2022

      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 recently made 2 credit card payments within the last 2 weeks now whenever you pay your credit card bill your balance renews and you have that credit if not at that moment the next day.. however with total **** I made 2 payments and Im told I have to wait 14 days for the funds to be on the card ******** what type of scam is this and not only that my account on goes total **** app shows that I have available credit but the customer service reps are telling me I dont then on the app my available credit keeps changing seems much like a scam to me. Somebody needs to find out where my money is or give me my **** money back that I just spend on this ******** a** credit card.

      Business Response

      Date: 11/09/2022

      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. 


      Sincerely,

      Total Visa

    • Initial Complaint

      Date:11/03/2022

      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 opened a ********** Account and made a payment on 10/16 that cleared my bank on 10/18 in the amount of $41 . On 10/31, I just made another $75.00 payment. I checked my app and I have no available credit and my card isnt active. I contacted the company and they placed a hold on me until Dec 6th. They have my money and im not able to use my card and they have taken $41 too much out of my account and refuse to remove the hold and give me my money back.

      Business Response

      Date: 11/09/2022

      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. 


      Sincerely,

      Total Visa

      Customer Answer

      Date: 11/09/2022

      Ive not received anything. Nor is my account fixed 

      Business Response

      Date: 11/15/2022

      Dear **************, 

       

      The letter was mailed on 11/9/2022 and we asked you to allow **** business days to receive the letter with our response.  

    • Initial Complaint

      Date:11/02/2022

      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.
      On 10/13/2022 I called to reopen my account for the 2nd time of it being closed due to being to close to the credit limit. I made a payment on 10/13/2022 and went through reopening the account again. I called on 11/2/2022 and my account was closed again! Why??? They never can tell me why. Everything is documented by codes from our back office even though we approved your account to be reopened by email and then closed it again a few days later. Ridiculous!

      Business Response

      Date: 11/10/2022

      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:10/31/2022

      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.
      Made my monthly payment of $41.00 on account. Next day there was an additional charge of $259.19 which was not authorized. Called customer support ****************** time # was to a medical alert system company. After several attempts found customer service support. They tell me that they have set my account up for automatic payments using my debit card. I asked why, was told that I did it. No I would never authorize that amount on a credit card with a $300 limit. Company has blocked access to my online account. They are extremely rude offer no help other than dispute charges with my bank. They have caused financial strain on me and caused overdrawn my checking account.

      Business Response

      Date: 11/09/2022

      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:10/29/2022

      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.
      10/14/22 checking Experian I noticed total **** reporting balance even though called to report fraud and request account cancelled on 9/23/22. I was told on 9/23/22 not to worry the card is cancelled and fraud charges would not be allowed to clear since the account is cancelled. I specifically asked what do I need to do to make sure I do not have fraud activity on the card and was told again the card is cancelled so nothing can be charged to it.I called today and was told they can see I requested the cancellation on 9/23/22 however the request is not immediate, so it wasnt processed until 10/4/22. They apologized I was misinformed and the 3 fraud charges were still allowed to clear. Since they didnt process the cancellation until 10/4 they also charged another $6.25 servicing fee on 9/29/22. They stated they will mail a packet of information to dispute the charges and when they receive it back they will process it and possible remove the added service fee. 10/29 I have not received any documentation and they now charged me with 30 late fee and denied dispute thru Experian. I went in today and paid the fraud charges, the additional service fee, and the late fee since it keeps hitting my credit report. I want refund of all. When calling the calls are recorded and they verified they could see when i called and cancelled and reported the fraud but are just continuing to charge me.

      Business Response

      Date: 11/04/2022

      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:10/27/2022

      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.
      My boyfriend paid off my credit card Total Select and they put a block on it asked me to send them a letter with his signature to authorize him to make payments on credit card he sent them 5 times through email and once through fax have been calling them occasionally giving me the run around every time I call they say to send it again and they not helping solve the problem its frustrating cause took a portion of his paycheck to pay it off causing financial problems they keep saying send this send that I dont understand why they wont say if they got the paperwork we sent them they said have to wait for back office to update info its been almost 4 weeks waiting I just want this to be resolved it shouldnt take that long to review paperwork I have the emails and papers that I sent them

      Business Response

      Date: 11/02/2022

      Dear Sir/Madam:


      Total *************** 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:10/20/2022

      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 called total **** to close my account. I then transferred my balance to a card with a lower rate and no monthly charge and paid my final payment . One month later I was charged two late payments and service charge resulting in $100. When I called to complain they would only close my account after I paid the $100. This card is a scam. The customer service representatives are liars and not helpful at all . There are no supervisors above the customer service representative.

      Business Response

      Date: 10/28/2022

      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:10/12/2022

      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 been paying my bill faithfully with this company, I take screenshots of the confirmation number when I pay this has happened for 2 months and now I am accruing late fees for their issues. *** contacted my bank and they dont even have record of this company trying to even pull my payment. I call and they never try to come up with a resolution. This company is a scam

      Business Response

      Date: 10/19/2022

      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:10/12/2022

      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 used this card to establish credit has I just got a really good job and I needed to establish credit. I lost my debit card that I used to pay my credit card bill that I was paying twice a month in full. I had to report the card lost and I called first access to tell them that I needed to change my payment method. They told me "just wait till it clears". It didn't clear and when I paid the full balance, again, I called and asked when my credit would be available. They told me I had $290 in credit available so I went out to dinner with my husband. Our credit card was declined and we had to go through all the embarrassment of having a meal out, one of our only ones it was our anniversary, and having a credit card declined. I had to leave my debit card with the business after a huge fiasco where I offered to leave my diamond wedding ring as collateral. I am so sorry I got this card and the customer service was deplorable. I got no help with this issue and I ended up having to pay the price. I got those cards that I could establish credit and I'm so sorry I did it. Don't do it this company just *****.

      Business Response

      Date: 10/19/2022

      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 ******

    Vervent Inc is NOT a BBB Accredited Business.

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