Business Profile

Loan Servicing

Vervent Inc

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

366 total complaints in the last 3 years.
75 complaints closed in the last 12 months.

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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:09/27/2022
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.
Starting Sept. 22, 2022, my gym has the card on file and is unable to charge my membership fees despite having enough room on the card to have the charge be successful. Ive had to call ********** a total of eight times and the issue has not been fixed. **************** has given me a variety of answers and ensured me each time that once the issue(s) have been fixed - and these range from phone numbers, confirming my address, to removing a fraud block - that my card will be usable within **** minutes. After waiting more than **** minutes, and of course, the issue has not been fixed. Im tired of being lied to - if they have no intention of having the card be usable then I have no option than to cancel my card which will negatively impact my credit report
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
Initial Complaint
Date:09/26/2022
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 ending in #****, was closed on May 18th, 2022. I made a previous payment on the balance before closing for $192.75 on May 15th, 2022. When the next billing cycle arrived it was explained by Total **** customer service that I "had a balance as of June 20, 2022 in the amount of $82.20" - which I paid and "a interest charge of $41.00", that I requested to be waived and it was granted on June 27, 2022. My balance was $0. Two months later, I started receiving automated calls stating that I needed to call regarding my **** account. I called on August 20,2022 and spoke to a representative, I was unsatisfied about more charges, then I requested a supervisor to question about late fees and interest charges that **** **** said I owed, and I disagreed. I requested the supervisor to investigate the charges and review the recorded call between me and their agent when I made the last payment - which was indicated by the representative that "Everything was paid in full and no balance was owed." On September 26, 2022 I called to check on the status because I didn't hear back from them, so I called and was told by a representative that the amount was $0 and closed and the phone hung up on their end and when I called back I was told by another representative that "on June 16, 2022, a new card was ordered in my name and that the previous balance was transferred over to the new card ending in #****, but the account was then closed on the same day with a balance of $128.97. THIS IS FRAUD. There is so many discrepancies within their system, their customer service employees and supervisors. When I closed my account, I didn't order any new card. My account was closed on May 18th 2022 and this company is trying to pin repeated fraudulent charges and a fraudulent account on me.
Business Response
Date: 10/03/2022
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
The response from this company is unacceptable because the letter that they're sending me in the mail is the same letter informing me that they're doing nothing to clear up the matter. ********** has shown me that they're money hungry, have issues with listening and understanding their customers and have completely turned their heads to the fraud that occurred on the account which I recently reported after speaking with their customer service representative. My account was closed out and any money due was paid. **** need to stop cheating their customers out of money. This is the WORST credit card company that I have ever experienced. People please be aware.
Business Response
Date: 10/13/2022
Dear ******************,
Please contact **************** so the adjustments made to the account can be discussed with you.
Thank you.
Initial Complaint
Date:09/21/2022
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.
I had a TOTAL **** since 2017. I paid my bills on time and on 9/10/2022 I decided to cancel my account because I no longer needed or used the card. I requested the account closed and was told 3-5 business days. It is now close to 2 weeks and they have since added additional fees, annual fees, service fees and late charges that add up to $95. At the time of closing there was only a $6 service fee I was told would be reversed after the back office closes the account. They also reported the account to the credit bureau that it was late. I have not used the account since November in 2021, I paid only a monthly service fee to keep the account active. I always paid on time and in full. The fact that these charges were added AFTER the account was requested to be closed is wrong. I called and inquired and they said the back office is too busy to close my account and it could take an indefinite amount of time. I've paid all the additional charges and will continue to pay them in order to avoid late fees but this is a scam. How is it legal to allow a company to operate this way?
Business Response
Date: 09/29/2022
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:09/20/2022
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.
Drafted money from an account that is not mine.My bank confirmed that they did not have any attempts to draft and what happens next is alarming as there may be identity theft from their representative even though there is a possibility of a clerical error. My account is frozen and my credit score will be affected. Please see attached
Business Response
Date: 09/27/2022
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:09/19/2022
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.
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.BK OF MO Account Number: ****************Delete this unverified and misleading account.
Business Response
Date: 09/27/2022
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:09/19/2022
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.
I applied for a ********** Credit Card in 2021--The card was then shipped to my address per **********-- The card was never received in my possession. (card *****) Therefore, the card was never activated or used by me, *****************************. I then received a e-statement from Experian Credit Bureau showing a negative balance and late payment with **********. I then phoned ********** and found that I have with an application fee of $75.00, a charge of $19.63, and a past due charge of $29.99; Therefore, I went through the process of filing a fraudulent activity claim, where I then had to pay the application fee of $75.00 and they would investigate the claim. The claim was to be found fraudulent and my account was credit backed, the $19.63 charge and the past due charge of $29.00 However, my credit report is still showing the late payment of $29.99-- this has yet to be resolved and removed from my credit report. *I have phoned countless times and now filing a complaint through the BBB and Consumer Protection Agency*Thank you, ***************************** **************
Business Response
Date: 09/26/2022
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:09/19/2022
Type:Customer Service Issues
Status:
UnresolvedMore 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 found a recommendation on Wallet Hub, an app I have that provides my credit score and my credit report, as well as recommendations on how to improve your credit score if it is faltering. At the advice of Wallet Hub, I opened a Revvi **** credit card and paid their $89 program fee, was assured I would get a $300 credit limit, but only got a $225 credit limit. I also found out they charge $75 per year to maintain the card for the first year and then $48 per year thereafter. I paid the program fee and tried to use the card on Amazon and it was declined. I called them the next business day and was informed the card had been reported lost or stolen. I told them I had decided to close the account, they asked me why, I told them and they said I would get an email confirming the account closure from their back office in 2 business days. In 3 business days, I called again as I received no confirmation email. This time I was informed it would take 3-5 business days and I would receive an email confirming closure no later than Saturday, September 17. I called this morning, September 19 and was informed that the representative would try to reach their "back office" and asked me to hold on. He came back and told me no one was available in their back office. I explained that I knew I would not get my $89 back, but I thought the card was a rip-off and wanted to close the account before any other fees were assessed. It was almost impossible to understand the representative; his accent was very thick. I hung up and called back and this time, I talked to another hard-to-understand customer service representative that I would receive an email today confirming closure of my account, such email generated by their "back office". I don't want my money back, I know that is lost to me; I just want the account closed so they don't assess any more fees but I keep getting the run-around.
Business Response
Date: 09/26/2022
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: 09/26/2022
I dont accept Revvis response because they are fraudulent and a scam, and I know the the response letter from them will insist that I owe them another $75.00 fee for a years membership. I have tried repeatedly to close the account with no success. They kept telling me the back office would send me an email confirming closure of my account and that there would be no more fees assessed. They will threaten me with ridiculous late fees if $41 unless I pay them another $75. I never received an email closing my account.
Their response is unacceptable.
Business Response
Date: 10/03/2022
Dear *****************,
If you have additional questions, please contact **************** at **************, Sunday through Saturday during the hours of 6 a.m.to 10 p.m. Central Time.
Customer Answer
Date: 10/04/2022

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,

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

Customer Answer
Date: 11/02/2022
*************************, a customer service representative at the ********************************************* card, promised me that my account would be closed and my $89 program fee would be refunded to my bank account on September 19, 2022. I received a letter by first class mail from Revvi that stated they received the request to close the account and refund the $89 program fee on September 26, but they did not close my account nor refund my $89 which was promised. ************************* told me I would receive a statement from Revvi, showing a $0 balance, along with my $89 refund in my bank account by no later than mid-October. I received nothing at all from Revvi except for that letter which I received at the end of September, nearly five weeks ago. I want a formal letter from Revvi, showing the account closed, along with the statement showing a $0 balance and the $89 refund I was promised ASAP. I refuse to call them because all I get is the runaround.
Business Response
Date: 11/07/2022
Dear ******************,

A final monthly billing statement was mailed on October 14, 2022. The request to refund the Program Fee has been completed. This can take 30 days after closure of an account.
Customer Answer
Date: 11/08/2022

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:09/19/2022
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.
3/4/2022 paid ****** to close credit card ending in **** Today I called to file a customer complaint I spoke with ******* a customer service representative then ******* a supervisor. ******* took all of my information SSN...NAME...DOB...ADDRESS...PHONE NUMBER. They both wanted payment of $237.92 with no assurance that the account would ever be closed. I received no verbal or written verification of the account being closed but the full amount was paid. I want any charges they believe I owe to be dropped and I want email and written verification of the account closure. No further contact with this company.
Business Response
Date: 09/27/2022
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:09/19/2022
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.
I applied for the card and was approved about two weeks before relocating to *******. I didn't receive the card before I left so once I moved, I called to change my address. I spoke with someone to alert about my address change and then I called back later that evening to make a payment. I was informed by the representative who clearly did not understand why I had a bill due before the card arrived even after I explained this was for the annual fee. I spoke with a supervisor who took my payment and waved the fee due to I could only call to make the payment by phone and no other option was available without the card. About a week ago I received a letter to my new address asking for a utility bill to confirm my address. I called back and explained my utilities are included in my rent and the only proof I have is the temporary copy of my driver's license and a letter from ***** I was informed to send the information and the back office will review. I repeatedly asked to speak with the back office and was told they don't accept phone calls. I have been trying to submit the information all week and the faxes have failed at several locations. I called back tonight after receiving another bill about an update on my card being mailed out. I was informed by the supervisor the card can't be mailed out until the information was confirmed. Keep in mind I still have not received the card and I was approved about the second week in August. I paid for a service that I didn't use and it's not fair they hold onto the money for something I never received. The program fee was $95.00, I paid for a special design and paid on my annual fee all for a $300.00 credit limit. This company is not worth it.
Business Response
Date: 09/27/2022
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: 10/01/2022
Their response is unacceptable. I have informed them several times I DO NOT HAVE A UTILITY BILL because my utilities are included in the rent. I offered to send my driver's license along with my lease agreement or even a picture from the **** confirming my address change and it was declined. So now I'm at the point where since they keep sending me letters to the address provided and with me responding to this message because their response was sent by ****, they can either send me my card or refund me the $95.00 program fee because now I have paid for a product I haven't received and it looks like will never see.
Business Response
Date: 10/03/2022
Dear ***************************,

You may also provide a copy of your bank statement to confirm the new address. If you have additional questions, please contact **************** at **************,Sunday through Saturday during the hours of 6 a.m. to 10 p.m. Central Time.
Customer Answer
Date: 10/04/2022
At this point, I feel that this is just too much to deal with and taking up too much time from my family. I just want the card to be canceled and my money back from the processing fee and the partial payment of the annual fee.
Initial Complaint
Date:09/16/2022
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.
On July 20, 2022 I applied and got approved for a $300 line of credit with Revvi. The actual name of the bank for the credit card is MRV Bank I paid $89 to qualify for the card on July 20, 2022. After a month of waiting the card still had not come. I realized they had sent me a bill of a $75 annual fee but hadn't sent the card. I called customer service and was reissued a new card. This one did come to my home, but I was told I couldn't use it because I was behind on my payments. They refused to push the payment to the next billing cycle even though they were fully aware that I didn't have the card in my possession when I was billed. I paid the $75 on 9/12/2022 and then made a purchase to see if the card worked. I paid $37. 42 on 09/14/2022 for a Doordash delivery. The card worked that day. It has never worked again. Every time I go to use it the purchases are "flagged for fraud" I called customer service and was told that the fraud check would come off the card in approximately 5 days but they would escalate my issue and that usually only took 2 days. After 2 days the fraud was still on the account and I still can not use the card. Altogether I have paid $164 for a card that has only worked once since July. The company refuses to refund my fees and close the account because I was able to use the card once in 3 months. I was also informed by several agents that several accounts have been compromised in this same way, flagging every purchase as fraudulent. I offered to pay back the $37.42 one time purchase I made in exchange for the difference out of the $164 worth of feed but they told me it wasn't possible. I escalated the call to a supervisor who is also unwilling to return my fees. I'm looking to pay the balance I owe, in full, in exchange for my fees being returned because at this point I have spent more on the card than what I've spent with the card.
Business Response
Date: 09/23/2022
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

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Vervent Inc is NOT a BBB Accredited Business.