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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:10/11/2022

      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 paid my credit card bill off on the 3rd of this month I'm trying to purchase a VA home loan and I need a receipt showing that I paid my bill it's been over 5 days still nothing and I have no excuse why it's taking so long I asked that it be faxed and emailed and mailed still no results

      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 ******

    • Initial Complaint

      Date:10/09/2022

      Type:Customer Service 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.
      On 9/4/22 I called First Access and spoke to ***** regarding paying off and closing my account. The customer service representative asked why I wanted to close the account and I expressed my disappointment with the high fees regardless of whether or not the card was used. She instructed to pay off my balance. On 9/4/22 - my balance was $18.75 which I paid off. On 9/12/22 I received a notification that I had a 20 cent balance on my account, in which I was unable to pay to the portal due to the low amount. The online payment method indicated a payment error and only takes payments of more than $5. I thought this notification was sent in error due to 1) the account had been settled in full on 09/4/22 and 2) I was unable to make a payment 20 cents.As of today's writing 10/5/22, I received another notification indicating a late fee owing, with a new balance of $19.15 on a CLOSED ACCOUNT. I have been on hold for over an hour trying to get this figured out, firstly speaking to ******* at 5:30pm in which I was hung up on - then speaking to **** at 5:45pm, who attempted to transfer me to a manager. The manager never got on the phone.My concerns regarding First Access are of predatory lending and inflation of fees, refusal to close an account, misrepresentation of account status, overcharging in order to collect additional payments and backdating accounts to justify late fees. I would like to get this resolved first through BBB before I escalate this to FTC and my states attorney general and file suit in Federal Court for attempting to damage my creditworthiness by refusal to close an account and compounding fees which are unjustifiable.

      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 ******

    • Initial Complaint

      Date:10/09/2022

      Type:Customer Service 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 wanted a **** card for my credit building.I sent $89 to get this card. They sent me the cards fine but they immediately placed my account in the red at the tune of $112.After I tried to cancel the use of the card (even after they took my $89,they said that I would have to pay a fee to cancel. This is worse than a loan shark. I pay them up front, then they still charge me and I am automatically owing money for a card I have not even used? I barely had in my possession. I will not pay them another cent. They already took my $89 for nothing.

      Business Response

      Date: 10/18/2022

      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: 10/18/2022


      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:10/09/2022

      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.
      Under 15 U.S. Code ****j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap TBOM/VT Account Number: ****************Delete this unverified and misleading account.

      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:10/09/2022

      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 1681.TBOM/VT Account Number: ****************Delete this unverified and misleading account.

      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:10/06/2022

      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 HAVE 3 CARDS THAT USES PAYMYCC.COM AND WHERE I CANNOT REMOVE PAYMENT METHODS FROM DATA BASES THE LAST PAYMENT WERE MADE I WAS NOT ON AUTO PAY. REMOVE ALL STORED PAYMENT METHODS AND REFUNDS ALL 3 PREVOIUS ILLIGAL PAYMENTS OOR BE SUED

      Business Response

      Date: 10/13/2022

      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:10/02/2022

      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 7/1/22 I contacted ********** regarding on line charges in the amount of $287.14. I spoke with a rep named ***** who went over all the charges with me and agreed my account ending in **** should be shut down and a new card issued. A letter dated 7/20/22 stated the account was closed "due to cci lost card no fraud." I never reported the card lost and it was in my possesion the whole time.On 8/4/22 I got a letter ******** of Missouri telling me they would help me resolve the issue and return Dispute charges form. I did so right away.A letter date 8/5/22 stated a fraud investigation was valid. Qoute "The merchants address information for the transactions my address on file." they closed the investigation. I have written to the company twice requesting resolution to charges I never made and have gotten no response. Numerous calls to reps. have gone no where and the balance continues to be billed me. I have never missed a payment and they are on time.Image my shock when I got my latest statement showing me over the limit due to these charges and the companies yearly fees ! All I want is my account credited back the charges I Never Made. This started in May and now as we are in Oct. I am hoping for a final resolution. Thank you

      Business Response

      Date: 10/07/2022

      Dear Sir/*****:


      Total Visa 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: 10/07/2022

      In response my complaint from ********** I will not accept anything other then my **** account being credited back for internet charges & intrest charged on this account. These 

      charges are fraud and date back to ****** I have a credit limit of $300.00 and charges total $281.00! It is my understanding credit cars companies are there to protect consumers a

      and I am hoping ,in good faith, this company does the right thing.

      Business Response

      Date: 10/13/2022

      Dear Ms. Cool,

      As explained in our letter, a second investigation was opened and is pending at this time. You may contact **************** with additional questions.  

       

      Thank you. 

      Customer Answer

      Date: 10/22/2022


      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,

      ******* Cool

       

      Customer Answer

      Date: 10/24/2022

      I have not gotten any letter regarding ************ second investigation. However,my monthly statement has been recieved  and no activity to clear this matter has occurred.I have been charged $6.25 for a monthly service fee and $8.62 in intrest  on a balance I have Not created! 

      My $55.00  payment in Sept. posted in a ****** matter and I can't figure out why this company is treating me so unfairly. I have upheld my agreement why can't they ? 

      There was no way to add these comments to my response and this claim is by no means closed. Please help me settle this claim or advise if legal 
      action should be begun by me.

      Business Response

      Date: 10/25/2022

      Dear Ms. ******************************* contact **************** for the resolution of your second dispute.  A second letter was sent to you October 17, 2022. 

       

      Thank you. 

    • Initial Complaint

      Date:09/30/2022

      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.
      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 CARD ************* $480.00 Under 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: 10/11/2022

      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:09/28/2022

      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.
      9/13/22 I received a card from Total ********* by mail. I paid their $89 fee to activate the card that I received. After paying the activation fee online, I called to activate my card. The person on the phone told me that he could not activate my card because it was expired. When I asked for a refund of the fee, he told me that a different card was activated with the fee. A card that I did not receive. I said they needed to close that account and I wanted a refund. ** told me he would put the request in.The next day (9/14/22) I called again to confirm that the refund had been submitted. I was told it was and that I had to wait 7 to 10 business days for the refund. I was given the date of 9/28/22.I called today, 9/28/22 as it's the 10th business day as stated by ********** Rep. ** told me that they were still evaluating the complaint and that it wasn't even closed yet.So now I have no money and no card. and I am supposed to wait another 30 days for them to decide if they want to refund me the money. That is NOT right! They cannot do that. I want a refund of my $89.

      Business Response

      Date: 10/05/2022

      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:09/27/2022

      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.
      On August 8th I paid 89$ to total **** I have proof. I received an email saying basically I'm behind 75 dollars but yet I never received the card. I tried calling them and they just said they couldn't find my account. I also opened another card that same day with then but it was a revvi card and that went fine.

      Business Response

      Date: 10/03/2022

      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

    Vervent Inc is NOT a BBB Accredited Business.

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