Atlanticus Services Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33322	Web
Previous Complaints eubmitted to CFPB case numbers ; XXXX & XXXX FORTIVA CREDIT RETAILER through predatory lending and in collusion with XXXX XXXX XXXX has grossly violated my consumer rights through continued misrepresentations, disregard, dismissal and egregious damages to my credit report while obfuscating its actions once reported to the CFPB. Several complaints and lawsuits have proven consistent with this behavior as it has affected me personally. As listed below are numerous complaints in the manner of how FORTIVA has conducted business in my experience. I have already paid a significant amount for the equipment and the amount paid was the best fair market value but however contrary to terms provided regarding the validity of any remaining alleged debt. FORTIVA has repeatedly breached terms of contract, agreement or any such conditions on this credit matter and yet taken adverse negative actions in attempting to validate such debt which is in dispute as if it were never challenged by the consumer. Listed Violations Unfair issuance of a predatory loan through illegal means by illegal door to door sales. The issuance of a line of credit was predatory and abusive. The equipment allegedly purchased was substantially overpriced and no alternative options were presented in order to obtain the same purchase for the same service. Violation of consumer trust by making promises in writing to have the opportunity to redress any debt in question and upon such notice the promise of any adverse action such as and specifically, negative reporting to credit reporting agencies to be withheld until any such dispute could be investigated properly resolved. Violation of due process to consumer in attaining or acquiring any such conclusion and thereby providing any such reason for the outcome of any determination or conclusion of any such investigation on the question of validity of such debt in question. Violation and breach of duty under contract, agreement and supposed terms of any relevant agreement to investigate the validity of such debt. Violation and breach of contract to properly notify alleged debtor of the receipt of such request to investigate in a timely manner the validity of such debt in question. Violation of duty to respond properly to debtor within a guideline parameter of 30 to 45 days equal to the prescribed time frame concerning credit reporting matters aside from credit reporting practices. Bad faith actions which include significantly backdated correspondences which are received a significant time later by the debtor causing a diminished time of response action as afforded by consumer rights or meant to be afforded by consumer rights which sabotage any further amicable resolution. Deceptive information provided to the CFPB as a response to previous complaints such as the promise to remove the initial negative report for which why the initial complaints were submitted but then never having removed such negative report as promised. No material relevance to the crux of the matter concerning any such validity of such debt except for unrelated information which serves no purpose concerning the overall matter except to claim it as a response to the complaint as required by the CFPB. FORTIVA, as contractually provided and made apparent in language on the rear of monthly collection notices, was officially notified in writing by mail in about XX/XX/2022 of MY intent to invoke this such resolution clause. FORTIVA however ignored MY first written request. Having given a reasonable doubt about the receipt of such notice ( which was never returned as undelivered or such ) -another letter was sent in about Dated XX/XX/XXXX of XXXX by USPS . A secondary letter was sent via priority with a tracking number dated XX/XX/2022 requesting the same and having referred back to the initial letter invoking MY intent earlier. A willful dismissal and disregard of my request as provided under the terms of the issuance of such credit became clear and apparent later. A third notice disputing the validity of this debt is submitted following yet another letter from FORTIVA. A bad faith communication likely to confuse and convolute any well informed decision on behalf of the alleged debtor may have been established. Another violation in clear communication from FORTIVA then provided a delayed response and provided an unclear letter to ME by email communicating some unclear crediting action. As stated in this letter dated XX/XX/2022 The transaction amount of {$1400.00} has been credited to your account. Thank You! -Considering the circumstances this action is ambiguous to me. FORTIVA as vaguely understood by me in a practical manner-has supposedly credited my account for a sum total of {$1400.00}. This however still leaves a balance of {$2800.00}. When this credit line was issued, it was issued for more than what the purchase price of the equipment was. In fact, abusively enough, the equipment needed for the purpose of effecting the service was overpriced and no alternative option for purchasing this same equipment was provided. Fortivas response to the CFPB claimed that a letter dated XX/XX/2022 was sent to me advising me of the outcome of their investigation. Please see above reference to this. No such clear communication was relayed to me. This such letter again showed mis-action and bad faith in properly addressing this debt. Furthermore, the receipt of any such letter dated this such date is clear in showing a bad faith misdirection to mislead and circumvent consumers rights for FORTIVAs benefit at the cost of consumers rights. Also provided to CFPB by FORTIVA is that there was a re-investigation THIS IS NOT TRUE. I was never notified of any such effort. What occurred here is that given my complaint to CFPB which was visible to a FORTIVA representative upon providing some response, such idea of an investigation or re-investigation was alluded to only to dispute my complaint at face value when there was never one provided under a proper notion of consumers rights as provided by law. The truth of the matter is that FORTIVA never addressed my proper request for any such investigation as required by law to be provided and for such proper communication to be provided to the consumer who requests for there to be. Likely it appears that a letter was hastily created of some sort and perhaps backdated in order to deceptively create some semblance of plausibility when later questioned. FORTIVA entirely disregarded and dismissed my first initial written invocation of rights before the second which carried a USPS tracking number to prevent any further denial of having received any such request in writing which further testifies to FORTIVAS willful acting in bad faith. No itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date was provided that I may be able to recognize or verify with records. Nor was there any information about my debt collection rights including how to dispute the debt provided upon my clear communication to FORTIVA that I wished to do so. Instead, my request was ignored or dismissed. No such notice included a tear-off form that you can send back to the debt collector to dispute the debt or take other actions. As provided by the CFPBs debt collection rule- which requires debt collectors to provide certain information when they first communicate with you or soon after ( generally within 5 days ). No such validation notice was ever provided as outlined by the CFPB.
10/04/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33322	Web
As a result of this illegal ( see further down ) door to door sales I was fooled into a contract with a home security system XXXX XXXX XXXX ( XXXX, Utah ) Since XX/XX/XXXX at which I pay monthly for monitoring services. Upon a more diligent investigation as I began to question the conception of this contracted service and the companys reputation that I knew nothing about. The sales person named XXXX who stated that he was originally from Alabama assured me to always be available to contact for any reason. He further assured me that if after this agreement was effected and I had any concerns to please contact him and he would resolve any matter what so ever if one arose. I expressed my skepticism in that regard about this possibly being so only as long as he was with this company/XXXX. He ( this salesperson ) assured me that he had been wit this company for a very long time and wasnt going anywhere any time soon. This proved to be untrue later. Meanwhile, I was comforted in believing that if I at-least tried this agreement for several months to a year and if I decided that I did not want to continue the service I was free to cancel at any time without consequence. He explained that a worse case scenario, the equipment would need to be given back and the relationship could end without any negative consequence. After learning that the associated creditor FORTIVA XXXXwhich facilitated the means for the this agreement abusively reported a late or missed payment to my Credit Report likely in an effort to extract additional fees such as late fees by disregarding or taking advantage of some means by which an inadvertent technical error occurred in automatic payments upon which I relied to avoid any such human related error-I attempted to correct this problem with negative results. I made further payments in good faith while trying to repair this damage to my Credit Standing while FORTIVA attempted to extract more late fees from me and holding my credit worthiness as leverage or even blackmail possibly. I now suffered the burden of trying to repair my credit score because of this relationship. Upon attempting to communicate with FORTIVA further about this matter, I requested that they furnish me a copy of any such NOTE or retail service agreement or such contract. They have not to date. I called and spoke to XXXX about this on XXXX XXXX, XXXX and explained my situation to him. During the conversation I learned that he had indeed moved on and now working at a different company. He indeed explained to me that Corporate refering back to XXXX teaches him what to say in order to effect a deal. This is consistent with several complaints about this company made by several other consumers and documented in lawsuits against this company. The conversation ended with him promising me to have the regional manager call me back to address my problem and concerns. This regional Manager never called me. I then learned that XXXX on this particular day in which this agreement occurred did not register with the City ( City of XXXX ) in order to legally conduct door to door solicitations. Therefore, the conception of this agreement/contract is defective to begin with. In order to obtain the equipment used for this service, I was compelled to use their affiliated creditor Fortiva which provided a line of credit for a sum of just over/about {$3000.00} for the equipment. On this particular day, my option to decide to cancel was also impacted as that my 3 days cooling off period allowed by Florida law was disrupted and not remedied. It took more than one day to install the equipment in order for the service to be activated. The individual working to install the equipment remained in my home over for an inordinate time. This required me to be present restricting my activities or ability to tend to other personal matters. No remedy was provided or made apparent to me. Upon attempting to cancel the service, my effort was circumvented by XXXX representatives over a recorded phone call. They explained that I could only cancel upon fully purchasing the equipment and furnishing such proof to XXXX. On another instance this condition was further complicated when I called yet again trying to get better help in order to cancel this service as was supposedly in my right. I was then told on the second time that I now had to purchase fifty percent of the remaining contract as well as provide proof that the equipment was fully purchased before I could effectively cancel this service. I was never provided the correct instructions on how to cancel this contract by XXXX representatives, showing a clear effort to take advantage of a consumer 's ignorance of their rights and to retain such source of income at the expense of consumer rights and other legal parameters. I requested for any and all documents including any NOTE related to this entire contract and never received such after providing my proper email address and having been promised to be supplied. I then indeed found the service contract which made no such mention of these cancellation conditions and I thereby forwarded a notice of cancellation in writing by certified mail which was received by XXXX on XX/XX/XXXX. The conditions of cancellation as per the contract required 30 days notice. XXXX charged my bank account XX/XX/XXXX for the usual amount as previous months and as it appears, after receiving my notice of cancellation on XX/XX/XXXX -they hastily charged me yet again XX/XX/XXXX. Today XX/XX/XXXX I called my banking institution to ensure that XXXX does not continue to unjustly charge my account while disregarding my notice of cancellation. As incredible as this seems, the banking representative who I spoke to today about this matter expressed to me that she too had this same experience with XXXX and expressed her very negative opinion after her personal experience with this company. She affirmed to me that it indeed was a good idea to cancel the autopay set up pertaining to XXXX because they ( XXXX ) is indeed known to charge anyway and leave one with the burden of trying to correct their mischief. XXXX has charged me twice in the same month having acted yet again in bad faith. XXXX and FORTIVA are joint conspirators in this abuse and are engaged in the same effort to corner a consumer and destroy Credit Standing in order to insure a source of income which originated through deception, embellishment and misrepresentation of a contract terms and general customer service as well as skirting consumer rights. FORTIVA under these circumstances has leveraged a consumers Credit Standing in order to strongarm unwilling participation.
03/02/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89123	Web
On XX/XX/XXXX, I purchased a treadmill from XXXX. I purchased this through an active promotion on that site, " No interest if paid within 12 months with a XXXX retail credit line ''. ( please see the attached cached images directly pulled from the Internet Archives at XXXX XXXX XXXX ). These images are dated 2 weeks before my purchase, and it is the exact promotion I signed up for. I also have attached an image of the email from XXXX that verifies the validity of this promotion. Please let me know if I can forward it directly to you, so that you may ensure its authenticity. ) So, I clicked through the promotion on XXXX and opened the XXXX credit line. I was instantly approved for a {$2000.00} limit. I then completed the purchase over the phone with a XXXX associate, named XXXX XXXX and he confirmed that this promotion had been applied, 12 months with no interest. I purchased the XXXX XXXX treadmill with delivery, for a total of {$2000.00}. ( the remaining {$37.00} was placed on a credit card. ) The treadmill was delivered with no problems. We did not receive a statement for months after the purchase. We thought that this was strange and we called about it starting in XX/XX/XXXX XXXX we called XXXX. They stated that they didn't have any information on file for us. They said this is likely because XXXX hasn't billed it yet. They told me that XXXX tends to run behind, so we just have to wait. We called XXXX. They said : " Your application is here, but because it wasn't used within 30 days, it went into an archive, and we can't retrieve any information because there's no account open with us ''. We repeatedly called and got the same answers from XXXX XXXX. " You just have to wait for your statement, it takes time, etc. '' My credit report at the time showed no hard pull, no account existing for months after the XX/XX/XXXX purchase. Still no account, no way to pay according to XXXX and XXXX. I finally received the first statement in the mail in XX/XX/XXXX, and made the first payment. The next month, the XXXX statement arrived. To my surprise, there was a hefty monthly interest charge attached, 29.99 %. We immediately contacted XXXX, and they told us that we needed to take this issue up with XXXX, the lender instead. XXXX told us that we needed to take it up with XXXX. ( There was alot of this back-and-forth and neither entity wanted to help with this issue for weeks. ) This takes us through XXXX and XX/XX/2017. XXXX ( last name unknown ) from XXXX XXXX Dispute Department finally told me : " If you can get a statement from XXXX verifying the promotion you signed up under, then we can remove the interest. '' After I called and talked to XXXX XXXX at XXXX, he said that it would be no problem to send a statement over. He emailed XXXX, the XXXX dispute representative, directly. ( I've attached a PDF copy of this email ). It reads as follows : " The customer purchased their machine with the terms for 12 months of no interest. Please have the no interest applied to this customer. " This was sent to XXXX 's direct email address, which is : XXXX. XXXX claims to have never received this email, so it was resent by XXXX XXXX ( XXXX ) again on XX/XX/XXXX. We did not hear anything back from Fortiva for weeks. When we reached out to them, they claimed they needed more time to consider this issue. I called them a third time, and they stated that the email proof XXXX XXXX sent was not acceptable and they would not be removing the interest from our account. XXXX said they now needed a form or contract from XXXX explicitly stating the terms of the promotion, specifically the 12-months no interest. I immediately contacted XXXX XXXX, and he agreed he would send a form that outlines the promotion. I asked that he would please send me a copy of the form and email. He agreed, again saying it was no problem. XXXX XXXX never emailed me and has never spoke to me since. Fortiva claims to have never received any form or emails from him, either. At this point, both XXXX and Fortiva started to avoid my calls. I have not been able to get in touch with anybody from XXXX nor XXXX since the issue has reached this point. Total avoidance. I can reach a general associate, and they'll take a message for XXXX or XXXX, assuring me that I'll get a callback. ( XX/XX/XXXX was the latest call I've tried to make to XXXX. No callback. ) Callbacks never come, they refuse to speak to me despite me being cordial throughout this ordeal. This has been going on for months now. I really feel that there is some fraudulent activity going on here I signed up for terms of a No Interest promotion, and I was baited into something completely different. Now the associates from both XXXX and XXXX are avoiding me completely after months of seeking resolution. In all, I have placed probably an upwards of XXXX calls to both XXXX and Fortiva, trying to resolve this issue. The principal balance of this machine has been paid in full, per the original agreement that I purchased it under in XX/XX/XXXX, via XXXX. My final payment was made by phone on XX/XX/XXXX, in the amount of {$1200.00}. I have emailed and faxed a notice to XXXX stating this on XX/XX/XXXX. I've also emailed and faxed to them the same documents that I've sent to you. ( the XXXX XXXX letter again, the archived Nordictrack.com images, and the original purchase agreement. ) XXXX this principal balance, Fortiva still states that I owe {$210.00} in interest. ( There will be another statement coming on XX/XX/XXXX, with approximately $ XXXX more in interest attached. ) I have made each and every payment on time, in amounts far exceeding the required minimum. I've paid in full for the machine I purchased, but it's unfair that I should have to pay hundreds more in interest, when I signed up for a 12 months no-interest promotion. XXXX XXXX from XXXX has instructed XXXX to adjust my account, but they refuse to do so.. and now they refuse to speak with me at all. I have been polite and patient during this process, but I really feel that I've been scammed, due to the associates avoiding me now. As a consumer, I'm reaching out to the CFPB in hopes that this long-running issue can be brought to resolution. Thank you.
07/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 86314	Web	Older American
In XXXX I was solicited for a credit card with Fortiva out of the XXXX XXXX XXXX. I accepted the card for a credit line of {$750.00}. I used the card for nearly two years and paid as expected during that period. Sometime in the second year I paid my account AFTER the closing hour of the due date and was told about two weeks later that my account had been closed for non-payment. I called and was told there was no one else I could speak with other than the representative on the phone and nothing I could do. I decided it wasn't worth any more hassle so I just started to pay the balance of the card off to get rid of it. After a couple of months doing this, I found there were additional fees being charged that I did not know about and could not get any answers to when I called so I just decided I would pay the thing off which was less than {$200.00} due. I tried to go online to make that payment but could not access the online service, I believe I waited a couple of days to determine if it were a computer update or glitch and tried again but could not get on so I left a message that I needed someone to call as I could not get on the service. I decided to just mail a check and be done with it. That check was never cashed. In a few months, I got a letter telling me the account had been sold and to wait to hear from the new vendor. I never got any notice of who to pay until about a couple of months after that I got another letter from a collection agency this time telling me I now owed them over XXXX XXXX dollars. I was so shocked that I called the number on the letter and spoke to a very rude lady. I explained that I did not know the file had been sent to collection and that I did send a check for the amount due but as of that date it was not cashed. I also told her I did receive a letter a few months back that said the account had been sold and to wait for the information on who I would be paying and maybe that was why my check never got recorded. I also stated that I never got any notification of the new vendor and only received this notice a couple of months after the letter. She was not concerned and just kept repeating that I owed this money and to keep it OUT of collection to pay the balance due. I told her I was not paying anything until I got an itemized statement showing exactly WHAT THIS WAS FOR since even my credit line was not that much. About two weeks after that she sent me a letter again demanding payment for the now over XXXX XXXX dollars due. I called and told her until I received a breakdown of these charges I was not paying anything because I did not owe this amount and I was not able to pay this bill because I had no knowledge of who to pay for months. She was even XXXX and clearly could care less. At the end of this, I never got an itemized statement from her and did not hear from them again. I was sick in late XXXX or XXXX of XXXX and was trying to deal with that and the rising medical bills along with this. As it turns out my credit sank in the first quarter of XXXX so once I was well, I and my family worked tirelessly to get this credit back in good standing. I have done that to where my XXXX number is now XXXX BUT apparently, the number used by the mortgage companies is a different thing and that was showing as XXXX! I again was shocked as I've not had this happen before and I was trying to determine what was going on when I saw the " severe delinquency '' notice on the report which was attached to this credit card showing SEVEN MONTHS of non-payment and now a balance of over XXXX XXXX dollars! I immediately disputed the amount with all three bureaus to no avail. Actually, XXXX did take the money due off but not the 'severe ' delinquency. I was refused a mortgage just this last month because of this mess that will continue to ruin my credit for several years due to no fault of my own. I have worked very hard to get my credit back and if you'll note on the Fortiva account I had this for two years, paid as agreed until they show starting in XXXX of XXXX I was late and continued not to pay for months on end. I couldn't pay what I didn't know but now I am being harmed by this continuous ruse. I think they never cashed the check because they could run up the 'balance ' to that XXXX XXXX they had shown in the end. If you will notice as well, the only delinquencies I had were in the first quarter of XXXX where myself and my husband and sister were paying off bills for my medical expenses incurred in the last part of XXXX which put my credit in the tailspin that I have dug out of for the past year and a half. This mess started well before that. I have written the AG of Missouri to help with this as the card was issued from their bank. They only sent it to the AG in Az which was not where the card originated so I'm expecting a note to that effect from the Az XXXX. I also sent a complaint online to Fortiva last week telling them they misrepresented my amount due and the nonpayment as I could not access the online account and besides I had sent a check for the amount I believed to be the balance since I could not get the system to tell me what was due. I told them the check was never cashed but I still could not pay the bill because I had no knowledge who or what I owed!. I have not heard back from them at all. Unfortunately, I do not have the letters. I of course did not keep them and have no proof other than my credit report that shows I had missed payments for other vendors after my illness in the first quarter of XXXX ONLY and all months prior and after that were paid on time. I just need help in getting this mess off my record so that I can get a mortgage and live my life again. It's a shame that one credit card can do so much damage! I appreciate any consideration you can give. I am a retiree on a pension and with SSA so what I receive each month is based on those amounts but I still continue to pay my bills and even save some money to where I could buy another home if I just qualify!
05/10/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 95363	Web
First, I am filing two complaints. These two complaints are with XXXX XXXX , and their financing company, XXXX XXXX XXXX . Should I discover that additional consumer rights were violated, I may retain an attorney, especially if damages are done to my credit-or that my personal information was used incorrectly and not in accordance with consumer protection laws. It should be noted that I feel as though these two companies have wronged me and violated my consumer rights and I have attempted to rectify this issue numerous times with both companies and I really have not gotten too far, although I have filed disputes with XXXX of the XXXX credit bureaus. Next, a summary of the incident : On XXXX XXXX , 2017, I made an internet purchase with XXXX on their website XXXX . The purchase was for two ite ms : XXXX XXXX XXXX ( XXXX ) Elliptical at a price point of {$760.00}, and, a set of SpeedWeight Adjust able Dumbbells ( XXXX ) fo r a price point of {$390.00}. The combined purchase amount in sum was for {$1200.00} and includes CA state taxes. The dumbbells were returned on XXXX XXXX , 2017 by wa y of refusing the box from the XXXX XXXX XXXX ( XXXX ) for two reason : the box was so damaged that the contains were visible/falling out, and also, the dumbbells were cancelled in the order. This is not in dispute with regards to the dumbbell return, however, is a record of the overall events that happen during this transaction. At this point, a balance of {$810.00} was recorded by their billing depart ment ( XXXX assisted with the return of the dumbbells ). Exactly a month later, XXXX XXXX XXXX still did not have the Elliptical on the radar for an item financed. I called XXXX XXXX and their customer service representatives stated, " you own nothing '' the balance is {$0.00} with " Us ''. I called XXXX XXXX XXXX b ack and they also stated, " you have a credit balance of over {$400.00} for the return of the dumbbells but nothing else was owed. I was confused and quickly explained the item I had and still, the representative insisted that they had no records and I owe nothing. I called XXXX back after several days of waiting and waiting to see who to pay and here is where we have a problem. O n XX/XX/XXXX , I called the Billing department at XXXX XXXX after calling XXXX XXXX XXXX again to see if there was a change- and the same answers applied- you owe nothing ( I also closed the account on XXXX XXXX , 2 017 to a void charges from being applied to the account ). When I spoke with Billing at XX/XX/XXXX XXXX , I explained the situation again ( several times ) a nd spoke with XXXX . I asked if I could pay with m y XXXX card and she said Yes. I pai d the account with her and I asked for a receipt to be emailed and she denied me the request for a receipt. She said, " we do not provide receipts '' for transactions and that the invoice would be emailed. No invoice was emailed. At this point, I am thinking everything is ok and then I receive an alert on my cre dit that XXXX XXXX XXXX i s reflecting a CLOSED account and a balance for {$820.00}, XXXX of the XXXX bu reaus is all I can see as I have not subscribed the XXXX one as of yet. I called the company for clarification ar ound XX/XX/XXXX and th e representative pretty much told me to call XXXX XXXX and get it resolved with them. Several attempts into this, it is quickly becoming a HUGE strain on my patience and at this point- I am frustrated that I am receiving alerts from XXXX XXXX XXXX stating th at I have a payment due even though the balance was paid in full back in XX/XX/XXXX . To be cle ar, the elliptical was paid off on XXXX XXXX , 2017 wit h the Billing representative at XXXX XXXX ( w hich she was rude the entire time ). The card provided is financed through XXXX and officially completed its pending process into a completed transaction on XXXX XXXX , 2017. XXXX did something in the process that was not correct so she or a representative with XXXX XXXX ran the card again later in the month taking from my available credit TWICE, although one of the two pending transactions were FINALLY dropped in the end. The charge was for {$810.00} and officially I was advised that I have a {$0.00} balance. I would also like it noted that without a receipt and only an invoice, I have no real receipt of the paid transaction, which is a problem. The invoice only reflects the initial transaction and not the return of dumbbells, the payment for the elliptical. The only confirmation that XXXX XXXX would provide after numerous calls to resolve this was a confirmation number on a Debit Memo ( XXXX ) order number XXXX , and also, a generic invoice. The only true purchase record is a credit card statement from XXXX , which XXXX with Billing said would be sufficient enough, although that is her XXXX opinion and not that of mine. I feel that I should have been given a record of receipt so that I could have turned that over to the credit bureau 's. Their lack of experience will cause my credit to receive damages if something is not done about this now. In the end, I paid the bill but now XXXX XXXX XXXX w ants money that does not belong to them! They have sent me a text message letting me know that I have a payment coming up. I received this ye sterday, XX/XX/XXXX . I spo ke with them again this morning and at this point, I am no longer trusting that either company will get their senses together enough before I have a real big problem on my hands.
10/09/2023	Yes	Credit card Store credit card	Problem when making payments Problem during payment process	PA 18015	Web
I made a purchase at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and opened the company-suggested credit card ( Fortiva ) which promised zero interest for 12 months to finance. I immediately signed up for monthly automatic payments by entering my bank information using the Fortiva website. A monthly deduction of {$120.00} was made without any issue ( and is still being deducted as I wait for this issue to be resolved ). On XX/XX/XXXX, several weeks before the end of the 12-month interest deferment I made the final payment of {$840.00} using the Fortiva website ( as usual ) in order to avoid interest. I received notice on the website that the web payment was received including a thank you message. On XX/XX/XXXX, nearly three weeks later, an additional monthly payment of {$120.00} was deducted. Unbeknownst to me, the final payment I had made on XX/XX/XXXX of {$840.00} had been reversed by Fortiva, As I am not enrolled in paperless billing, this was not communicated to me until I received my monthly statement in the mail in XXXX, past the date of the promotional expiration. I was shocked to see the payment reversal and the new additional interest charge of {$530.00}. Especially given the fact that my automatic payments always go through without a problem and I used the same payment method/source. I called Fortiva Customer Service on XX/XX/XXXX around XXXX. I explained my concern that my payment was reversed and interest had been applied and that I'd like to pay off the balance again and have the interest removed. I was told by the representative that they could not tell me why my payment had been reversed and that there was nothing they could do about it since I was past the promotional expiration. I explained that it was not communicated to me that the payment was reversed and the service agent stated that notice of the reversal was in the XX/XX/XXXX statement, again too late to make the payment on time. She later backtracked, stating that there would be no record of this transaction on Fortiva 's end because of " invalid information '' with my banking information. When I asked to verify what account and banking information I had entered ( since I had used the same information saved in the automatic payments ) the customer service agent became defensive and hostile. She refused to provide any additional information or guidance to resolve the issue, including any actual proof that the transaction failed because of misinformation. She repeatedly insisted that the XX/XX/XXXX statement was the only notice, as the account " cycled '' not resulting in the full interest charge. She repeatedly insisted that the information in the bill payment portal was somehow incorrect causing the transaction to fail, even though this payment information has been working for the last 11 months. When I asked about communicating with my bank regarding the failed transaction, the customer service agent insisted that there was no record of the transaction, that it must be an incorrect account number and therefore there would be no transaction history or evidence from my bank. She said if I could have my bank confirm the payment on their end, they could perhaps forgive a percentage of the interest. I asked to speak to a manager and she told me that no matter who I spoke to, the answer would be the same. The agent aggressively terminated the call at about XXXX by hanging up on me and stating, " I've already explained everything, XXXX XXXX. Goodbye. '' I was confused and in tears. I called my bank and found proof of the payment, but my bank could see no reason for the payment being reversed. I called Fortiva and spoke to a new representative, with my bank on the line who confirmed the payment had been attempted on my end. The agent offered to forgive a portion of the interest, but not the entirety. I requested a call from the corporate office. I received a call on XX/XX/XXXX from the corporate office. They were understanding and agreed that I could pay off the new balance of {$770.00} ( the original balance of {$840.00} minus the automatic payment of XXXX made on XX/XX/XXXX ) and they would remove the interest and my account would be at XXXX. I made the payment later that week, again through the Fortiva website and received confirmation on the screen. However, the payment never reflected on my account. Since I used the Fortiva website, my bank was unable to confirm and Fortiva claims to have no record ( as they claimed in prior conversations in XXXX ). The customer service agent repeatedly lost signal could not answer my questions and ended the call prematurely. I am feeling defeated and disrespected after months of making timely payments, paying off the balance prior to the promotional expiration only to have my payments reversed or erased. I continue to have the monthly deduction but have been unable to pay off the balance despite my attempts, therefore I have since been charged additional interest totaling {$600.00}. In researching the company, I have found many similar complaints. I feel like I am being taken advantage of, and can not get a clear answer or my issue resolved. I took out the card to build my credit, knowing I would pay it off prior to the promotional expiration. I am a responsible customer, making payments consistently and on time. I have made two efforts to pay off my purchase in order to avoid the extremely high interest of 35.99 % to no avail. As I have told the company many times, I just want to pay off my balance as I attempted to do on XX/XX/XXXX, without the unjustified interest charges.
08/10/2017	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CO 810XX	Web	Older American
Approximately18 to 20 years ago I acquired an Aspire credit card -- I frankly do n't remember the circumstances ( I believe I had a secured credit card through a bank following my divorce, and this may later have been transferred to Aspire ). I do n't know the original credit limit, but I do n't think I ever charged more than a total of {$2000.00} or {$3000.00} -- most of which was expenses associated with moving from the XXXX XXXX area to XXXX in XX/XX/XXXX. I have been making monthly payments since then. To my recollection, the last time I used the card was 12 to 15 years ago. Due to the high interest rate ( 30 % ) I stopped using it at least 10 or 12 years ago, and the company cancelled my account approximately 9 or 10 years ago. I 'm sorry that I do n't have exact figures or dates -- that 's part of the problem, that I no longer have the basic information that I have on current accounts. Nevertheless, I continued to make monthly payments, and never missed a payment until recently. I am a well educated person who has held responsible management positions and would never knowingly default on a legitimate debt. I have earned relatively high salaries over the years, had a 401K plan and a healthy savings account, and planned to continue working into my seventies. Unfortunately, three years ago, due to an unanticipated health crisis, I became XXXX and was no longer able to work. Today, after XXXX XXXX I am XXXX XXXX XXXX XXXX and my only income is XXXX XXXX. I have exhausted my savings, and in an attempt to avoid bankruptcy, have carefully reviewed my current debts and attempted to reduce expenses as much as possible. It was during this process that I realized the Aspire account had remained at around {$3000.00}, despite making payments for 15 years and I had no way to verify the amount still owed. I wrote to the company requesting the following information : what was the total amount ever charged to the account ; what is the total amount paid on the account ; how much has been paid in interest and fees. I thought this was a reasonable request, but despite several months of correspondence, I have been unable to obtain an answer. I stopped making payments until they would verify how they determined the amount they said was still owed. I told them I would resume payments when I received the information requested. I estimate that I may have paid some {$15000.00} at this point against an original debt of $ 2- {$3000.00}. The company for many years had nontraditional practices, including imposing a " periodic finance charge '' of between {$85.00} and {$100.00} a month in addition to the high interest rate and any late fees. I recently found a statement from XX/XX/XXXX that showed of the previous month 's {$100.00} payment, only {$20.00} was credited toward the balance. They used to have a different due date each month and charge {$14.00} for making a payment by phone.. Despite my current financial situation, I have continued to make regular payments on my other accounts, all of which are current. It was not my intent to stop paying on the Aspire account, but I did n't feel I could justify continued payments until they could verify the amount owed and how they arrived at that amount on an inactive account. At one point they said they would provide the information if I would pay {$5.00}. I sent them a check, and eventually they sent a statement of the current amount owed, interest rate, etc. That is n't what I was asking, and further correspondence has proved futile. My credit rating has suffered because of this ( a year ago it was a respectable XXXX ). Now they have turned the account over for collection and are threatening legal action unless I pay the full amount due, which is impossible for me due to my limited income. I wrote to the collection agency and explained the situation. I told them it was never my intention to avoid payment, but merely wanted them to verify -- with factual data -- how they determined the stated amount owed. I would think any reasonable person might ask the same questions after paying an estimated {$15000.00} on a closed account for a dozen years and still owing nearly {$3000.00}. I believe Aspire may have sold the account to another company ( it no longer charges the extra finance fee ). If they do n't have the information I requested, they could have told me that. Instead, they seem to be avoiding providing the answers. When I looked up Aspire online, I saw that there are many complaints about their practices. Now I worry that I wo n't be treated fairly. If they can verify the legitimacy of the amount they say is owed, I am willing to resume making monthly payments, but I ca n't pay the whole amount at once. Again, it was never my intention to avoid paying a legitimate debt, but after so many years I have no way to verify how much was charged, how much has been paid, how much is still owed. I just want a response from the company providing this information and hope that they might mediate a reasonable settlement or allow me to resume monthly payments ( with some assurance that it eventually can be paid off ). I believe I have paid many times over the amount ever charged on the account, making monthly payments for over 15 years. So it is n't as if they have been shortchanged. I am trying to be reasonable -- I hope they can show me the same consideration. I am a 70-year-old XXXX woman living on XXXX XXXX and doing my best to meet my financial obligations. I want to settle this matter as soon as possible without being bullied or threatened.
07/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 32225	Web
Aspire did illegal actions again for the second time. Aspire has violated the Truth in Lending Act, Fair Credit Reporting Act, Fair Debt Collection Act. They have applied account maintenance fees to my account. When I discovered this, I called and requested for this fee to be removed multiple times. Each call did not resolve my issue. -Truth in Lending Act Disclosures documentation reads account maintenance fee {$0.00} annually ( {$0.00} per month ) after the first year ). -I am requesting maximum civil penalty for compensation for : {$5000.00} Violations of the Truth in Lending Act -I am requesting maximum civil penalty for compensation for : {$1000.00} Violations of the Fair Debt Collections Act -I am requesting maximum civil penalty for compensation for : {$1000.00} Violations of the Fair Credit Reporting Act. When I signed the contract with Aspired Credit Card, there was to be NO account maintenance fees and no annual fees. This was outlined in writing from the Truth in Lending Act Disclosures documentation that my original issued card was attached to. The document reads account maintenance fee {$0.00} annually ( {$0.00} per month ) after the first year ). This is why I chose the Aspire credit card. For the XX/XX/2023 billing cycle, I received a bill that had a fee applied to my account. At the time this fee was applied there was no money/balance due on the card. My account is set up for mail communications/mail billing/mail any and all notices. I DO NOT HAVE PAPERLESS BILLING. I never received any written notice in the mail about proposed changes to my account and that these changes would have a time compliance to them. I was informed during a phone call to aspire that this notice was to my email address on file over 45 days prier to my bill. That aspire automatically enrolled me into a monthly fees and that the time has expired for response to the email notice, to stay monthly fee free. To my knowledge I never received any email from Aspire. I only received an email from them when I requested to send it to me in XXXX 2023 the billing cycle that has the Monthly maintenance fee applied to my account. Aspire Violations : 1 Truth in Lending Act- Section 1026.9 : creditors are required to provide 45 day advance written notice to rate and significant changes this includes fees. My written form of communication with Aspire is by MAIL, my monthly bill/account statement is received through the united states postal service. This shows that Aspire has acknowledge the form of communication by mailing my month statement to me. I am not paperless billing. Aspire Violations : 2 Truth in Lending Act- Section 1026.9 : creditors must provide consumer the right to reject the change. This was stripped from me when Aspire failed to give me written notice through normal form of communications of mail through united stated postal service. Aspire Violation : 3 Truth in Lending Act- Section 1026.16 : deceptive or misleading advertising pratice, that a rate or payment is FIXED when in fact it can change. Aspire original documentation states account maintenance fee {$0.00} annually ( {$0.00} per month ) after the first year ). Under account maintenance fee there is no statement about this fee can change. Aspire Violation : 4 Fair Debt Collections Act- 15 usc 1692e 807 ( 9 ) - use or distribution of any written communication which simulates or is falsely represented, which creates a false impression as to its authorization or approval. With Aspire not using normal communication by mail, has created a false impression that a notice was sent to me and that I elected not to respond. Aspire Violation : 5 Fair Debt Collections Act- 15 usc 1692e 807 ( 13 ) - false representation or implication that documents are legal process. Aspire chose to not communicate by normal means which is MAIL from the United States Postal Service. They allegedly sent an email, they could not state if it went to spam/junk folder for my email. Spam and junk folder empty daily automatically. Aspire Violation : 5 Fair Debt Collections Act- 15 usc 1692f 808 ( 1 ) collection of any amount including and interest, FEE, charge, expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt. I never agreed to any new terms a condition/ enter into a new contract agreement with Aspire. At the time a fee was applied I had a {$0.00} balance on my account. Aspire has collected fees that is not part of the principal obligation. Aspire Violation : 5 Fair Credit Reporting Act- 15 usc 1681a ( 5 ) ( A ) ( i ) consents in writing to the nature and scope of communication. Aspire through billing monthly statements has confermended the lack of communication for the fee implantation through email. Aspire Violation : 6 Fair Credit Report Act- 15 usc 1681a ( k ) ( iii ) an increase in any charge unfavorable change in terms. Aspire through false practices has implemented changes to my account.
05/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 32225	Web
Aspire has violated the Truth in Lending Act, Fair Credit Reporting Act, Fair Debt Collection Act. They have applied account maintenance fees to my account. When I discovered this, I called and requested for this fee to be removed multiple times. Each call did not resolve my issue. -Truth in Lending Act Disclosures documentation reads account maintenance fee {$0.00} annually ( {$0.00} per month ) after the first year ). -I am requesting maximum civil penalty for compensation for : {$5000.00} Violations of the Truth in Lending Act -I am requesting maximum civil penalty for compensation for : {$1000.00} Violations of the Fair Debt Collections Act -I am requesting maximum civil penalty for compensation for : {$1000.00} Violations of the Fair Credit Reporting Act. When I signed the contract with Aspired Credit Card, there was to be NO account maintenance fees and no annual fees. This was outlined in writing from the Truth in Lending Act Disclosures documentation that my original issued card was attached to. The document reads account maintenance fee {$0.00} annually ( {$0.00} per month ) after the first year ). This is why I chose the Aspire credit card. For the XXXX XXXX billing cycle, I received a bill that had a fee applied to my account. At the time this fee was applied there was no money/balance due on the card. My account is set up for mail communications/mail billing/mail any and all notices. I DO NOT HAVE PAPERLESS BILLING. I never received any written notice in the mail about proposed changes to my account and that these changes would have a time compliance to them. I was informed during a phone call to aspire that this notice was to my email address on file over 45 days prier to my bill. That aspire automatically enrolled me into a monthly fees and that the time has expired for response to the email notice, to stay monthly fee free. To my knowledge I never received any email from Aspire. I only received an email from them when I requested to send it to me in XXXX XXXX the billing cycle that has the Monthly maintenance fee applied to my account. Aspire Violations : 1 Truth in Lending Act- Section 1026.9 : creditors are required to provide 45 day advance written notice to rate and significant changes this includes fees. My written form of communication with Aspire is by MAIL, my monthly bill/account statement is received through the united states postal service. This shows that Aspire has acknowledge the form of communication by mailing my month statement to me. I am not paperless billing. Aspire Violations : 2 Truth in Lending Act- Section 1026.9 : creditors must provide consumer the right to reject the change. This was stripped from me when Aspire failed to give me written notice through normal form of communications of mail through united stated postal service. Aspire Violation : 3 Truth in Lending Act- Section 1026.16 : deceptive or misleading advertising pratice, that a rate or payment is FIXED when in fact it can change. Aspire original documentation states account maintenance fee {$0.00} annually ( {$0.00} per month ) after the first year ). Under account maintenance fee there is no statement about this fee can change. Aspire Violation : 4 Fair Debt Collections Act- 15 usc 1692e 807 ( 9 ) - use or distribution of any written communication which simulates or is falsely represented, which creates a false impression as to its authorization or approval. With Aspire not using normal communication by mail, has created a false impression that a notice was sent to me and that I elected not to respond. Aspire Violation : 5 Fair Debt Collections Act- 15 usc 1692e 807 ( 13 ) - false representation or implication that documents are legal process. Aspire chose to not communicate by normal means which is MAIL from the United States Postal Service. They allegedly sent an email, they could not state if it went to spam/junk folder for my email. Spam and junk folder empty daily automatically. Aspire Violation : 5 Fair Debt Collections Act- 15 usc 1692f 808 ( 1 ) collection of any amount including and interest, FEE, charge, expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt. I never agreed to any new terms a condition/ enter into a new contract agreement with Aspire. At the time a fee was applied I had a {$0.00} balance on my account. Aspire has collected fees that is not part of the principal obligation. Aspire Violation : 5 Fair Credit Reporting Act- 15 usc 1681a ( 5 ) ( A ) ( i ) consents in writing to the nature and scope of communication. Aspire through billing monthly statements has confermended the lack of communication for the fee implantation through email. Aspire Violation : 6 Fair Credit Report Act- 15 usc 1681a ( k ) ( iii ) an increase in any charge unfavorable change in terms. Aspire through false practices has implemented changes to my account.
08/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92651	Web
On or about XX/XX/XXXX I noticed a charge on my Fortiva statement on XX/XX/XXXX for TXXXXXXXX XXXX CA {$150.00} that I did not make or authorize ( attached ). This prompted an immediate investigation on my part which caused me to discover that my Fortiva credit card and drivers license had been stolen out of my car a couple of days before the charge was made, when my vehicle was in the care and custody of the valet service at a local mall. On XX/XX/XXXX I notified Fortiva of same, and thereafter, in quadruplicate : 1. By calling the lost / stolen number on their website and leaving a voice mail ( they didnt even have their lost / stolen hotline staffed by someone to answer ), 2. By secure message on their website under my account log in - and then again, after hearing nothing back from them, on XX/XX/XXXX 3. By email, 4. By written mail sent via USPS ( attached ). On XX/XX/XXXX they responded by email ( attached ) stating that they had sent me an affidavit by mail on XX/XX/XXXX to fill out, and indicating I could email a digital copy of it back to them. Why they delayed action on the claim by sending the affidavit by snail mail instead of just attaching it to this email or just originally emailing it to my address on file, or via secure message under my account log in on their website, is beyond me. From the start, it seemed like they intended no effort be put into this. The affidavit arrived in the mail on XX/XX/XXXX. I filled it out completely and emailed a digital copy of it back to them that same day ( attached ). The charge in question was credited back to my account on the following statement ( attached ), but then re-applied to the statement following that ( attached ). On or about the last week of XX/XX/XXXX I received a letter in the mail from Fortiva dated XX/XX/XXXX ( attached ) stating Correspondence obtained from merchants in question indicates that you have provided them with the authorization to charge your account for the amount you are now disputing. We suggest you contact them for further information regarding these transactions. The letter was on stationery with Fortiva Credit Card printed in full color at the top, but with no contact address, no phone number, and appeal process included anywhere in the communication whatsoever. Attached to the letter was ONE page, in the upper right hand corner of which stated page 2 of 13. On this page, which one presumes is the information the merchant provided to Fortiva, was my name, my account number, the cards CVC code, my billing address and details of the merchandise being a prescription veterinary drug. As indicated by the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, and by Cal. Code Regs. tit. 16 1780.1 ( attached ), both state and federal laws require the seller of any prescription veterinary drugs in California to maintain prescriber information including prescriber license number. Not only was Fortiva XXXX XXXX XXXX XXXX XXXX XXXX XXXX to conduct an investigation, or to fully disclose their documentation to me, what little they did manage to scrape up and embarrass themselves with by claiming as proof that I authorized the charge, and all of it, was information that is printed on the drivers license and credit card that was stolen from me. Fortiva XXXX XXXX XXXX XXXX provided no proof of shipment, no proof of delivery, no evidence whatsoever or even reference to same that I made or authorized this charge. Additionally, they completely ignored a definitive, independent audit trail attached to the goods that were purchased and available to them, simply by asking the merchant for the veterinarian license number which the merchant is legally required to maintain record of, and which can be traced to a name and address and phone number in a matter of seconds by entering it into California governmental websites available to the public. It wouldnt have come back to me - Im not a veterinarian and have no association to the profession. Nor would any vet. that a valid license number trace to be able to identify me as the prescription issue-ee - Ive not been to a veterinarian because I do not own or have responsibility for the care of any animals, nor have I, for decades. EVEN WORSE STILL, the information Fortiva XXXX XXXX XXXX XXXX revealed that the merchant provided them, had an I.P. address for the order that was physically located more than 50 miles away from me, and an email address for the order that is not mine. While falsely claiming to have evidence that I authorized the charge, either through willful disregard for the law, or blinding incompetence, Fortiva XXXX XXXX XXXX XXXX ignored evidence they tripped right over in their own, pathetic excuse of an investigation, that corroborates the charge as fraudulent and NOT authorized by me.
12/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 18360	Web
Back on XX/XX/XXXX my car was broken into and my Phone, Bookbag and wallet stolen during a family event from a hotel parking lot. I reported it and got a temporary police report. I had to replace my license and closed the cards I knew were in there. XXXX weeks later I get statements from 2 cards Ive had over a year but never used. I immediately contacted both companies both cards were used on the same thing a XXXX XXXX. XXXX performed their investigation and determined they were fraudulent, Aspire is saying they were verified by the company XXXX. The request was put in by phone and email on XX/XX/XXXX, I never received a response until I filed a XXXX complaint, in XXXX they send a letter dated XX/XX/XXXX and another dated XX/XX/XXXX. They had already started reporting my account as past due even during my dispute. After I received the XXXX response, I mailed them out a packet of documentation which proves they were not my transactions, ( which I am enclosing ) asking to reopen the dispute and send me the documents they used from XXXX XXXX to deny my dispute. During this time I Also contacted XXXX on social media to see if they can just reverse the charges, they did verify that I do not have an account with them. I also filed a XXXX complaint against them as well to get someone higher in their offices to respond and at that time the manager also verified my card could have been added to someone elses account and used, as he can see I do not have an account with their company. This company has ruined my credit XXXX points lost, which Ive tried very hard to improve and maintain due to me recently XXXX a XXXX and needing to back everything personally until I build a XXXX & XXXX score. The transactions were cash advances through an App into a bank account, at the time of the transactions I had over {$40000.00} in my checking account. I would not have needed to take a cash advance from a credit card I never used with an XXXX of XXXX % through a company that charges I think I read its 7 % to send the transaction, Nor XXXX my credit score for a {$25.00} minimum payment, now its a charge-off and sold account. Despite me sending them 3 more requests, one in XXXX XXXX mail with tracking and one in XXXX sent certified. They have not responded at all to any of these requests or inquiries. So in XXXX I disputed the account with all 3 credit bureaus by mail and online miraculously they verified the information as correct within 1 day Despite me sending them all the documentation I sent aspire as well. Yet Aspire hasnt responded back to me in months, still has not sent me the documents I asked for of how they verified their investigation and sold it to a collection agency. I do not know where to go from here. I need this fixed and its not right that Ive had 2 older cards closed due to this showing on my report and limits on another lowered because I now look like a risk even though every legitimate card is paid 100 % on time and paid down more than minimum each month, most even carry a {$0.00} balance. I tried reopening the disputes with the CRAs but its getting nowhere, they say to send in new documentation and even though theres over 40 pages nothing is changing. Since this incident we found out who took my bookbag and charges have been pressed by the state as they also signed and cashed 2 of my personal checks so they have XXXX XXXX XXXX against them, XXXX for the checks and XXXX for the credit cards, sadly it was my ex-wife and her new boyfriend, neither have ever been on my accounts, she was the reason for my XXXX bankruptcy. ( we have been divorced since XXXX and I have had an incident with him in XXXX when he tried to XXXX me with his XXXX as well ). Since its abundantly clear by all my documentation that I did not make these charges, nor were either of them authorized to use my cards I shouldnt be the one suffering for this due to a Bank that either does not know how to investigate a dispute properly nor read consumer mail sent to them. If I am reading the laws about disputes properly, they have violated several things : It took over 6 weeks and a XXXX complaint to even acknowledge my initial dispute not 30 days They have not given me the documentation I requested related to the transactions They have not followed up with me after I sent in additional supporting documentation The reported my account as delinquent despite being at a {$0.00} Balance prior to these charges This seems like a common occurrence with this company over XXXX XXXX complaints for the same or similar things within the last year. Im sure there would be more if they were listed as Aspire and not the XXXX XXXX XXXX "
05/05/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53406	Web
I have called aspire credit card about my issues they are refusing to see things from my point of view these people have hacked my account changed all my information to where i could not see when my card was being used they changed the phone number and changed my address i dont know what these people are doing with my information so i call and complain to the company and they are trying to throw me through a million different loops to get justice for them allowing people to compromise their system i have fruadulent charges on my credit card unauthorized addresses reporting on my credit and on top of that they allowed the hackers or scammers max my credit card out causing my utilization to impact my credit score tremendously in a negative way i spoke to supervisor XXXX for aspire she was very rude disrespectful and she went out her way to intaganize me i recieve absolutely no help from her what so ever i asked to speak to a different supervisor she denied my request i asked her why and she didnt give me a clear answer this is wrong you can not force me to go through all of this stuff that i dont have the time or resources to complete and tell me if i cant complete the process they wont help me. For one they are not helping me do anything because i did nothing wrong they allowed someone to access my information which should of been well protected especially if the company promotes how secure their systems are but they are weak obviously. I should not be held liable or responsible to prove my innocents to anyone. They made it easy for a hacker to steal my information but are making it hard for me to correct their wrongs and now they are threatening not to do anything to help me if i cant complete their procedures which is wrong i told them what charges where fraud they should have fixed them on the spot i live in wisconsin their are charges on my card from FL and GA both of these states i have never been a day in my life i dont even know how they allow people to use somepnes card all the way across the country without a fraud warning or anything sent to me or without locking the card in general. I spoke to another representative who assured me that my account was closed down a couple days later i realized the account was not closed down and that these hackers tried to use my bank account to pay my credit card bill so that they could continue to use it. I called aspire back again the next representative confirmed what i already suspected and that was that the account was never actually closed down at that time and that i was lied to by the first representative. Refusing to remove the address off of my account this is illegal than the supervisor tells me it doesnt matter what i say they dont have to believe me but they allowed someone to use my stuff the following adress is to be removed from all reports immediately and permenately as they are fruadalent also i would ask that aspire credit card no longer be allowed to report on anyones credit based on the fact that they do not have the proper security system and will make it extremely difficult for someone to report fruadulent information they do not care about consumer protection what so ever i watched my account be hacked while i was attempting to change my pw i kept being kicked out of my own account i explain it to this company they were rude non caring etc they should also be investigated by the XXXX i honestly feel as if they are responsible for my information being stolen due to the fact that i changed my email info switched houses changed my account info no matter what i tried someone kept getting back into the account they always knew what my password was even after i continously tried to change it the only way that is possible is if someone within the system was doing it manually they spent large amounts of money at resteraunts and other establishments and now this company is basically trying to call me a liar even after i attempted to stop it attempted to call attempted to change my log in info attempted to be reasonable with them i have never been to these states where my card was used one of the states were the same state as which this credit card company is at inside of GA its ironic that i have a credit card company that works out of GA and now im seeing fraudulent charges from my card being used in GA i want this entire account shut down and removed from my credit reports as well as all debt or ill go to the attorney general next and i will sue
05/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	MO 64836	Web
Complaint : Re Deceptive Business Operation FortivaXXXX I am startled at the high number of customers of this business with high number of complaints for the last few years. However, I am motivated by that to include mine after having dealt with t FortivaXXXX that work in conjunction confusing the customer into subscribing to XXXX the camera surveillance company. I have already filed a detailed complaint with the XXXX XXXX XXXX in XXXX XXXX, Utah, Re XXXX deceptive operation with which I established business relationship in XXXX of XXXX. This complaint is solely focused on the deceptive operation of XXXX affiliated company ; Foriva. I do not recall, at the time, the sales person for XXXX to have mentioned Fortiva or acknowledge the credit card company as the financier of the service which I find disturbing and that with which company I have not been familiar. I moved out of my property in XXXX of XXXX, upon safety concerns, and therefore finding it unnecessary to have the house monitored. XXXX has refused to authorize formal and written cancellation of the service, while verbally and initially it was accepted, but refused again, and that full payment of the camera products financed by Fortiva has been the condition for the formal cancellation. However, Fortiva that will not pave the way towards a final determination and resolution, is a credit card company that according to the available publicly-made-available online sources/platforms, issues credit cards for consumers with bad credits, NOT recommended to obtain. I simply wonder if my credit profile was checked by Fortiva and what the score was. I did not want a credit card or the {$3000.00} credit placed on it. I would have declined business with XXXX, had I known the service is being financed by a credit card company and that one that maintains an unfavorable reputation. The reason for this concern remains to be the deceptive methods/manner by which the credit scores are manipulated or not checked at all! Additionally, I was at the time unaware of Fotiva financing the camera service that I would have refused had I been informed of the involvement of a credit card company, here being Fortiva ; NOT RECOMMENDED TO SEEK, by consumer protection agencies, sources. I do not have credit cards and never want one, but it appears that XXXX and Fortiva pursue the consumers into subscribing to the deal, but does not disclose the source of financing until after the fact. In addition, the monthly installments for Fortiva, have been progressively increasing and doubled, and tripled to the present. For instance, I was charged a total of over {$110.00} for the month of XXXX, XXXX vs {$23.00} for XX/XX/XXXX. When I have inquired about the reason, I have been refused satisfying expedient answer. Although, XXXX seems to be in charge of every individual business costumers needs, it is Fortiva and its top owner-mangers that authorize cancellations, fees or price adjustments. Also, stonewalling is a routine pattern when it comes to the specific needs of one as the businesss client with need for cancellation upon even legitimate reasons. The financial and emotional abuse and exploitation during communicative periods and times by the company sales, and cancellation personnel is an ongoing process that hopes for the customer to give up and give in to the demands of the either company towards large sums of money. Last but not least, I am one of the categories of the consumers that has strived to diligently and sincerely, improve their credit numbers/profile towards full enhancement, to be able to further build a great, deserving economy and consequently comfortable purchasing/financing power and life for ones family. However, companies like Fortiva come along and interfere and disrupt that hope and dream, with objective being the company wealth and prosperity without concern for the innocent customer. Nonetheless, this is a challenge that we will rightfully meet and fight against, and do what legally and properly fitting to overcome. As for the resolution, I seek the cancellation and refund from Fortiva, and adequate apology to have financed the operation and requirements of XXXX for business without obtaining my full knowledge and authorization. This is simply a fraudulent transaction that FortivaXXXX must take responsibility for and dealt with accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX Email : XXXX XXXX
02/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	PA 163XX	Web	Servicemember
I needed a line of Credit in XXXX, XXXX in order to help pay for some dental work performed at XXXX XXXX in XXXX, XXXX. I filled out an application at XXXX XXXX to get a line of credit worth {$3000.00} with Fortiva Retail Credit at 29.99 % APR. It certainly wasn't a great option, but I needed a lot of immediate work done due to dental trauma and it was my only option. The contract states that the monthly Minimum Payment Due is based on the balance of the account, as follows ( taken from page 4 of the contract - see attachments ) : Balance = {$0.00} - {$1000.00} -- - Minimum Payment : {$49.00} ; Balance = {$1000.00} - {$2000.00} -- - Minimum Payment : {$99.00} ; Balance = {$2000.00} - {$3000.00} -- - Minimum Payment : {$140.00} ; Balance = {$3000.00} and up -- - Minimum Payment : {$220.00} ; My first payment was due on XX/XX/XXXX. However, I mistakenly thought that the payment was due on XX/XX/XXXX and I made my payment on XX/XX/XXXX of {$140.00}. On XX/XX/XXXX, I received my monthly statement which said that my next payment was due on XX/XX/XXXX with a minimum payment due of {$220.00}. I called the customer service number - XXXX - and asked why the payment was so high. The person that I spoke to explained that because I was late by one day that the late fee placed my balance above {$3000.00} and the minimum payment was {$220.00}. She also explained that making the payment of {$220.00} in XXXX would lower my account balance to under {$3000.00} and my future payments would return to {$140.00} per month. I made the payment of {$220.00} on XX/XX/XXXX. The late payment in XX/XX/XXXX was absolutely my fault and I had no problem paying the extra amount in XXXX. On XX/XX/XXXX, I received my next billing statement which showed that my payment for XXXX would be due on XX/XX/XXXX with a minimum payment of {$220.00}. I contacted Fortiva on XX/XX/XXXX and spoke to a supervisor. I asked why the minimum was so high, and she put me on hold in order to check into it. She agreed that there was an error and that minimum payment should only be {$140.00} as my account balance did not exceed {$3000.00} once I made the payment in XXXX. She advised me to pay the {$140.00} and that she would waive any late fees. She also told me that she would contact the accounting department to ensure that the issue was fixed on my account. I made the payment of {$140.00} on XX/XX/XXXX after speaking to that supervisor. On XX/XX/XXXX, I received my next billing statement which showed that my payment for XXXX would be due on XX/XX/XXXX with a minimum payment of {$300.00}. I contacted Fortiva on XX/XX/XXXX to ask why my bill was so high. There was a communication barrier with the agent that I spoke with, as she spoke very broken XXXX with a thick accent. On XX/XX/XXXX, my online statement shows that the minimum payment for XXXX was reduced to {$220.00}. I contacted Fortiva and was transferred to 4 different people. Each person I spoke with told me something different. No one could explain to me clearly why I was showing a minimum payment of {$220.00}. One person told me that I had an {$80.00} late fee from XXXX. I explained that I made my payment on time in XXXX and there should be no late fee. Another told me that the minimum payment is not fixed and it is based on my balance. I explained to her that my balance was under {$3000.00} and therefore the minimum payment should be {$140.00} and not {$220.00}. Another person told me that the extra {$80.00} fee was from " the collection agency ''. I asked why the account was in collections, and he gave me " their '' number - XXXX - and stated that I would have to contact them to fix the issue. I called that number and the woman that I spoke to stated that she works for Fortiva, not a collections agency. She told me that there was nothing that she could do and that I will have to pay {$220.00} in XXXX and that my future payments would be {$140.00}. I made a payment of {$140.00} on XX/XX/XXXX, as per the payment schedule. I retired from the XXXX XXXX XXXX in XXXX. I do not collect my pension yet, as I retired from the XXXX and not from XXXX XXXX. I have a XXXX XXXX rating of XXXX XXXX which I am fighting to increase. I am on a very limited income and I can not afford to pay for fees that I did not accumulate. I was late by one day and only one time. I have done everything that I can do to try to work this issue out with Fortiva. I am getting nowhere.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77346	Web
This account has been disputed multiple times to no avail ; with the credit reporting agencies as well as the furnisher directly! This account reflects different high balances, dates of last activity, open dates as well as closed dates. There was never a notice of dispute notated on the account. The furnisher is also reflecting a false credit limit, they are stating my credit limit to be XXXX however my credit limit was only {$350.00} and I never received an increase. I have asked the furnisher to provide me with the original documents surrounding this account and have not received it. I have provided printed copies with the inaccurate information highlighted to the furnishing company! They have been put on notice of the discrepancies reflecting in my consumer report! According to 15 USC 1681 s-2 ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This company is reflecting the account as a charge off. According to the IRS publications a charge off or canceled debt is income, and income should not be reflected on a consumer report. Below is the initial email i received from the company that clearly shows my credit limit Welcome to the Aspire Credit Card Family! Inbox Attachments Tue, XX/XX/2019, XXXX PM to XXXX Logo Welcome to Aspire Dear XXXX XXXX, Welcome to the Aspire Credit Card Family! You will receive your Aspire Credit Card and your Cardholder Agreement by mail within 2 weeks. Please carefully review and keep the Cardholder Agreement for your records. Here 's a recap of your key terms : Credit Line : {$350.00} Current APR for Purchases : 36.00 % Current APR for Cash Advances : 36 % Annual Fee : {$85.00} ( Annual Fee will be assessed before you begin using your card and will reduce the amount of credit you initially have available. Based on your initial credit limit of {$350.00}, your initial available credit will be only about {$260.00}. Annual Fee : {$85.00} in the first year and {$39.00} in the second year, billed annually. ) Account Maintenance Fee : {$87.00} annually ( billed at {$7.00} per month ) This fee is not billed for the first 12 months that your Account is open. Program Fee : $ ( Program Fee is a one-time fee required to be paid at the time of account opening ) Authorized User Fee : $ ( The fee will be imposed annually for each authorized user ) Additional transaction fees and penalty fees may apply. Please see your Cardholder Agreement for your full terms and conditions. You will receive a payment reminder three days before your payment is due. Once you've received your card, visit www.aspire.com/my-account/ to create a free online account. You can access your online account anytime. Easy. Convenient. Secure. Manage or Enroll in Automatic Payment Plan. Pay your bill online. Check your account balance. Update your contact information. Thank you for choosing ASPIRE! Sincerely, ASPIRE Customer Service XXXX www.aspire.com/my-account/ All Aspire Credit Cards are issued by The XXXX XXXX XXXX, XXXX XXXX, MO. Copyright 2019. All rights reserved.
12/22/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	NY 142XX	Web
On XX/XX/XXXX I called the Credit Protection Dept. of FORTIVA since the person on CHAT couldn't help me, and I spoke to XXXX. I informed him I needed to activate the Credit Protection I've been paying for on my account due to me just recently, as of 2 weeks ago losing all income I've had because my unemployment has now completely been exhausted and I currently have no income.. Absolutely, NONE. 0! NADA! ZILCH!. XXXX, the smart man that he is.. told me that have to fill out 2 forms and then fill in proof of me not receiving an income. Which is the DUMBEST thing I've ever heard in my life. If I dont have a job and unemployment has run out There's nothing to send. I informed XXXX I will NOT be sending anything to him when I'm indemnified for the service of the Credit Protection Program cause I've been paying for it every month. XXXX put my account in Pending status. Several days go by and a I receive an email from FORTIVA for a bill telling me to pay {$92.00} which a sum of {$42.00} was just added on. The pain that IMMEDIATELY SHOT through my ENTIRE body knocked me off my seat and onto the floor. That was XX/XX/XXXX. ON XX/XX/XXXX, after having a chance to calm down, I called back .and spoke to a Supervisor named XXXX XXXX I explained to XXXX, I am 100 % XXXX. I can not walk, I am in XXXX mode. My XXXX XXXX is through the roof. I am on bedrest and watch care. On tons of meds and I can not leave the house to go print out the papers their requesting in order to send them back. Especially when I'm indemnified for it. In addition to which the payment should have been decreasing instead of increasing and I think it's quite insulting that Fortiva would even request documents when we're INDEMNIFIED FOR IT. I informed XXXX-the supervisor CLEARLY , if every other credit co. I deal with for this purpose just went ahead and handled business why is there such a problem for Fortiva? XXXX acted like he heard nothing I said.. and was clearly to DUMB to make a Supervisory decision and to go ahead override whatever procedure they have in place.. given what I'd just told him. When he told me I still have to provide the paper work ... that same XXXX pain shot through my entire body and so I just let him know since they agreement is not unilateral and there's no conditoins stating I need to provide you any type of proof for something I don't have ... then I'll just file a complaint. Today I receive another notice from FORTIVA requesting the following ; Dear XXXX, This email is being sent to inform you that the credit protection benefit due to involuntary unemployment is pending in receipt of : XX/XX/XXXX Account ending in : XXXX Benefit Activation Form Adequate documentation of your involuntary unemployment ( i.e., Evidence you have registered for work with your state employment office or a recognized employment agency within thirty ( 30 ) days of your last date of employment. If strike or lockout, evidence of involuntary unemployment, may include a statement signed by an office of your union. ) The Benefit Activation Form and required documentation must be returned within 60 days of the date the protected event occurred, or your benefit request will not be considered. You can submit the required documentation via one of the following methods : Go to https : //www.myfortiva.com/upload? XXXX to upload documents electronically Mail : Fortiva Credit Protection XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Questions? Our Fortiva Credit Protection specialists are available to answer any questions you may have, please call us at XXXX, Monday through Sunday from XXXX XXXX XXXX XXXX XXXX. Eastern Time. Sincerely, FORTIVA Credit Protection Please do not reply to this e-mail as we are not able to respond to messages sent to this address. ================================================================== This is the DUMBEST THING I'VE EVER SEEN. After I've told you I'm not sending you any thing because I don't have to. And I've paid for service and your refusing to pay out the service.. which you continue to add insterest and late fees to my account and you continue to report to my credit report which is now negatively effecting me.
02/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32817	Web
FORTIVA is currently attempt to collect fraudulent and alleged debts from me, a private individual, federally protected consumer and natural person. I have already sent them previous correspondence through the CFPB on XX/XX/2020 which FORTIVA ignored and continued to report this fraudulent and alleged debt onto my consumer report AFTER being told that it was a matter of identity theft, showing blatant disregard for FEDERAL LAW 15 USC 1681c-2, they received ALL of the necessary items per that subsection. FORTIVA also committed Identity theft by acquiring my private, personal and CONFIDENTIAL information WITHOUT my consent, Identity theft is a crime and it has been reported to the proper authorities. FORTIVA then received a debt validation request demanding several documents that any company attempting to collect alleged debts would have if the alleged debt claim was in fact true. FORTIVA STILL has NOT answered to these demands nor sent any bona fide evidence to collaborate with their alleged claims. FORTIVA is STILL attempting to gather more private and personal information from me, contacting me through the mails without my consent in violation of FEDERAL LAW. FORTIVA has violated FEDERAL LAW multiple times in their unwanted communications with me which have been well documented as well as clearly and conspicuously disclosed to them. FORTIVA has used abusive, deceptive and unfair debt collection practices in an attempt to collect an alleged debt from me in violation of 15 USC 1692 ( a ). FORTIVA has engaged in conduct to harass, oppress and abuse me as well as using threats and other criminal methods in its attempt to collect an alleged debt from me in violation of 15 USC 1692d. FORTIVA has not received any request to communicate with me from me directly or indirectly in its attempt to collect an alleged debt from me in violation of 15 USC 1692b ( 3 ). FORTIVA has NEVER once told me that they were a debt collector ( see proof in the attached documents ) in violation of 15 USC 1692e ( 11 ). FORTIVA has continually used false and deceptive means in an attempt to collect an alleged debt from me in violation of 15 USC 1692e ( 10 ). FORTIVA has used other names than its true name in an attempt to collect an alleged debt from me in violation of 15 USC 1692e ( 14 ). FORTIVA has used unfair and unconscionable means in an attempt to collect an alleged debt from me in violation of 15 USC 1692f. FORTIVA has created and used deceptive forms in order to create the false belief that I owe them an alleged debt in its attempt to collect an alleged debt in violation of 15 USC 1692j. FORTIVA is liable for ANY and all damages I have received due to their negligence and non compliance with federal law, unfair abusive and unjust debt collection and consumer reporting practices in its attempt to collect an alleged debt from me pursuant to 15 USC 1692k ( c ). FORTIVA has used unfair means to directly injure me a federally protect consumer, private individual and natural person by directly impairing my credit report, unlawfully obtaining my private and confidential information without my consent, and preventing me from engaging in other consumer credit sales/transactions which were needed to improve my standard of living and create financial stability for myself and my family. FORTIVA has committed unauthorized use credit card ( social security card ), and conducted some type of consumer credit sale/transaction unbeknownst to me and without my consent. FORTIVA has comitted IDENTITY THEFT ( a CRIME ) by obtaining and using my personal and confidential information without my knowledge or consent and still attempts to do so after being notified of their hostile and adverse actions. FORTIVA has NEVER received my WRITTEN consent to contact me outside of compensating me for my injuries due to FORTIVA 's negligent non compliance with FEDERAL LAW. I have attached the FTC fraud report to this correspondence to this as well as previously sent correspondence. I advise FORTIVA to make these matters right or be FORCED to due so by the court.
11/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 30349	Web
I have sent numerous communications to this company regarding fraudulent charges on my account which they claim I'm responsible for. I have disputed this and gotten a so called investigation. this investigation did not go in my favor and they reversed the credits given. I requested this be reopened as I was not responsible, and you refuses saying I'm responsible for the bill. There have been numerous notations made to my credit report reflecting my dispute. Your company is tarnishing my credit history! Here is the basis of what was sent by certified mail posted here for the record : NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom it XXXX Concern : This is in reference to the report of outstanding debt of {$1600.00}. I was notified by your company of the above-mentioned alleged debt on multiple occasions by mail and by phone. This notice is to hereby advise you, that there are several billing errors on my account. The amount of the errors being disputed are {$1600.00} from previous billing statement dated XX/XX/2022. The amount in question originated from unauthorized transactions that were reported in XXXX, 2022, in a timely fashion by XXXX and our current Agreement, also sent in the requested Affidavit, all in Good Faith, to no avail. Months have passed with no resolution. I called numerous times and made note of this to your agents and have been treated very unfairly, hung up on and been made to think I had no remedy under law, but this is not a fact. However, your company chose to side with the merchant after brief and uneventful investigation, that should clearly show Cardholder was not at fault, you decided to bill Cardholder and would not negotiate further. Hence, this is a billing dispute in writing pursuant to 15 USC sec. 1666 and 12 CFR 1026 et sec. All billing of disputed amount must cease, pending rectification by federal law. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Your Company and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well incomplete documents from dispute with XXXX XXXX and a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX, a COPY of the XXXX XXXX is not sufficient evidence of debt. Your Company also slandered and reported erroneous unvalidated information to Credit Bureaus further doing harm to consumer XXXX XXXX. {$160.00} was the most recent payment made, on coerced from me due to the negative reporting that resulted on my credit report forcing me to pay to stop the slander of my good name, making the New alleged balance {$1400.00} I have had perfect payment history for years and your negative reporting affected my score tremendously to XXXX XXXX where I lost a couple of accounts, and my limits were lowered on several of my credit cards because of this. I have suffered hardships and loss of status due to your erroneous, unlawful and malicious reporting practices. These facts make you liable for damages according to 15 USC 1692 ( k ), {$1000.00} USD per occurrence, if necessary, I will file a claim in federal court to not only rectify the balance, but to retrieve damages as well. There are numerous violations here to be had months of them if we are counting. However, there is a remedy I hereby grant your company the opportunity to amicably resolve the matter by way of doing ALL of the following : 1 Deletion of missed AND late payments from all consumer reports 2 ) Clear away any alleged balance owed 3 ) Refund all the payments that are made on this account. XXXX ) Return Account to Good Standing at XXXX balance XXXX ) Account remains active and open and credit limit increases to {$3000.00}, as compensation for months of hardship and inconvenience, and since Consumer is extending you His Credit in Good Faith, via this Agreement
04/14/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	VA 23669	Web	Servicemember
Made monthly online-pymts to Fortiva- paid the said amount per the webpage. Fortiva reporting to credit bureaus as late- no help with correcting. I opened up an account ( Account # XXXX ) with Fortiva in XXXX with a credit limit of {$1500.00}. In late XXXX XXXX, I received my credit reports and I noticed Fortiva reported me late to the credit bureaus several times in XXXX. XXXX XXXX -30 days late XXXX, XXXX, XXXX, XXXX XXXX -60 days late XXXX XXXX -90 days late I knew this could n't be correct because I paid at least the monthly minimum amount of what the statement said via the online website. XXXX XXXX paid {$75.00} Confirm # XXXX XXXX XXXX paid {$75.00} Confirm # XXXX XXXX XXXX paid {$78.00} Confirm # XXXX XXXX XXXX paid {$63.00} Confirm # XXXX There was n't a statement generated in XXXX ( unsure of the reason- Fortiva acknowledges that error in a response received via XXXX ). There was n't a payment made in XXXX XXXX because the online payment site stated the next payment of {$100.00} ( minimum ) was due on XXXX XXXX XXXX. I understood that this account is an installment account that fluctuates up/down monthly depending on your balance. XX/XX/XXXX, I mailed Fortiva XXXX certified letters ( XXXX to the CEO/Director and XXXX to Corporate Dispute Center ) to include my compliant, online screenshots of my account statements showing what to pay and payments made. I also filed a complaint with the XXXX. On XXXX XXXX, I received a XXXX page, XXXX sentence letter from Fortiva thanking me for being a valued customer but after a review of my account the reporting 's are accurate and no error has been found on their part, but feel free to call customer service if I have any other questions. No signature or a person 's name was on the letter. Talk about HORRIBLE customer service! They blew me off, as they do when I call customer service. I was expecting a history of receipts from Fortiva showing my full payment history, all transactions dealing with the account, a typed, signed-response and a courtesy statement saying as a 1x courtesy the credit reports will be updated due to all past errors and my experience to say the least. Fortiva did respond back to the XXXX on XXXX XXXX and they stated that they credited my account {$100.00} in late fees but declined to update my credit report as paid on time. I advised the XXXX that I did not accept the response and I wanted my credit report updated correctly because of Fortiva ' s website error. The only option to make payments on your account is mail, online or over the phone. You do n't have the option to go inside a store and make your payments, so being that this account is a revolving account, how was I to know that the minimum amount online was n't correct? Fortiva responded on XXXX XXXX with a breakdown of my account history ( which is n't available online ). Also declining to correct my credit report. XXXX information attached* To prove my point I have attached XXXX statement screenshots ( XXXX XXXX and XXXX XXXX ) that I was able to save. Fortiva mentioned in their statement that on XXXX/XXXX/XXXX a statement generated for a min of {$360.00} due. Fortiva reported me to the credit bureaus as 90 days late as of XXXX XXXX. However my online screenshot DATED : XXXX XXXX XXXX, shows XXXX {$100.00} due XXXX XXXX XXXX with no past due outstanding. Fortiva stated in the XXXX response that a statement generated on XXXX XXXX stating a MIN of {$120.00} was owed in XXXX, I paid {$180.00} in total ( {$86.00} XXXX XXXX and {$100.00} - XXXX XXXX ). They then stated I owed {$21.00} for XXXX but my online screenshot shows {$0.00} due for XXXX/XXXX/XXXX. I did n't make a payment in XXXX because it said {$0.00} due online. Also, the online system does n't update in real-time even after you make a payment. To prove my point I have attached a before and after screenshot for XXXX statement which states {$42.00} due by XXXX XXXX. Just paid {$21.00} on today and system still reflects {$42.00} due by XXXX XXXX. This is unfair reporting!
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11236	Web
THESE account are in violation of the law put forth to protect me as a consumer and they are not following the law as it pertains to these financial institutions To whom it may concern ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 S-2 RESPON responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A I see that your agency or financial institution has made a report on my personal consumer report and I ask that you please expeditiously remove this item from my personal consumer report as I have never given you or anyone written permission to write or divulge my personal information to any third party which is a violation of my consumer rights as a consumer 15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer, a notice that complies with section 6803 of this title ( B ) OPT OUT ( 1 ) in general a financial institution may not disclose nonpublic personal information to non-affiliate third parties unless ( A ) such financial institution clearly and conspicuously discloses, to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third parties ( B ) the consumer is given the opportunity that such information is initially disclosed to direct that such information may not be disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I opt out of any disclosures to any third parties or non-affiliates of this financial institution any credit unions credit bureaus credit reporting agencies I do not give any written permission to XXXX XXXX XXXX and its affiliates to disclose my personal information as I have a right to privacy and my personal information is solely mine. 15 USC 45 PRIVACY MISSION OF FTC 5 USC552a PRIVACY ACT OF 1974 15 USC 6802 6809 GRAMM LEACH- BLILEY ACT 15 USC 1681 FCRA I opt out of any disclosures to any third parties I ask that you remove any reports that you have given to a third party to place on my consumer report that means XXXX XXXX XXXX and all other credit reporting agencies I opt out! I have given you in writing My unwillingness to allow you to give third parties and non-affiliates any of my personal information I ask that you remove from my consumer report on all platforms any information that you as a financial institution has given to a non-affiliate expeditiously remove all of my personal information from all credit reports and data furnishing firms! I opt out!!!!!! yours truly XXXX XXXX.
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44313	Web
I have faxed, mailed, and emailed a letter to XXXX/Aspire XXXX regarding this account reporting incorrectly, inaccurately, and illegally. I have received no response from the company in regard to my letter. I mailed this letter emailed the letter and faxed the letter on XX/XX/2023. This is the letter that was sent below. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX/ASPIRE XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has cause severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary Income, INCOME DOES NOT GE REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate. By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 U.S. Code 1681s2 Says you XXXX/ASPIRE XXXX are a furnisher of information to a consumer reporting agency. You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy of the amount of canceled is {$600.00} or more and the lender is a financial Institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS publication. SEND ME MY FORM 1099-C that you should have sent to me when you filed the account as canceled debt. My address is listed below. 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting Inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is in clear violation of Law 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! XXXX XXXX XXXX
03/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 78233	Web	Servicemember
My husband died of XXXX XXXX on XX/XX/XXXX. I submitted his death certificate to all of his credit card companies as he did not have a life insurance policy or a POA .. he was only XXXX in good health and I am ten years younger and we have XXXX XXXX XXXX. I was an Authorized user on his Aspire account and occasionally I made payments but he made payments on that account and I was not responsible for his debt. We had nothing when he died and even though he was a XXXX Veteran we still got nothing. I made one payment to his credit card account after his death before I called months later and told them I couldnt afford to pay on his account and I explained how he died. Aspire assured me they would close his account and I would not be responsible for the balance on his credit card. Well.. in XXXX of XXXX and XXXX of XXXX I was making a payment on my own Aspire account & for some reason it was not applied to my account but debited from bank account and applied to my husbands closed credit card account. I called Aspire visa several times to ask why his account was credited and not mine. I thought maybe I did it by mistake in my grief as it was unauthorized and I didnt notice until months later. I have been severely depressed and I couldnt understand why my bank account was being debited for so many payments to an Aspire credit card. However, I had no one to help me with my finances until I hired a tax attorney who helped me go over my bank statements and noticed all the large bank authorizations XXXX after another. When I called Aspire visa they told me that they could see that the payments were made to my deceased husbands accounts but they couldnt reverse them back to me because I didnt have power of attorney and that I had to fight the unauthorized payments with XXXX XXXX my bank. Well.. earlier in XXXX that is exactly what I did .. only when XXXX tried to XXXX the payments for me.. Aspire Visa came back and stated that I did in fact authorize those payments to be made on my deceased husbands credit card account. This is appalling that a credit card company is doing this. If they closed my husbands account.. why would they direct debt payments from my bank without permission because I made a XXXX time payment after his death? I am trying to raise XXXX children on my own and now XXXX is going to reverse close to {$3000.00} worth of charge backs to my personal bank account that were not authorized. I thought perhaps I made a mistake in paying on accounts but that isnt like me and the claims department at XXXX bank made me cry because I honestly didnt remember exactly what had happened 6 months after my husbands sudden death. I thought there were XXXX XXXX relief laws in place to prevent this from happening. Nothing was done to help myself and my children when my husband suddenly died of XXXX at age XXXX. He was an amazing man who was honored to have served his country and he got nothing from the VA when he died and we go virtually no assistance from ANY Covid relief funds. He owned his own business that he built up from nothing and no one gave a XXXX when he died. I put his cremation on one of my credit cards and paid it off. I couldnt afford a burial. I had to sell our home. I get sick when I read about all the money that was misappropriated by people who took from the government who didnt need it. We have a beautiful little girl who is now XXXX XXXX XXXX who doesnt have a father. No one deserves this. I was treated like absolute XXXX by the banks he did business with and the government he loved so dearly. I am a XXXX XXXX XXXX XXXX XXXX XXXX and I cant even begin to tell you how hard it is to move on after a spouse dies. Your mind doesnt function and I had people steal money from me thousands. I cant even get my own bank to help me.. never mind his credit company to admit they made a mistake. He deserves better. Please help us.
07/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 75052	Web
I hope this letter finds you well. I am writing to file a complaint against Fortiva regarding the assessment of excessive late fees on my credit card account. I believe these fees are unjustified and not in compliance with the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ). In XXXX of this year, I encountered a banking error that prevented me from making the full payment on my credit card account. As a responsible and conscientious cardholder, I promptly contacted Fortiva to report the issue, ensuring they were aware of the situation and my genuine intention to fulfill my obligations. During my call, the representative assured me that my situation would be noted in my account and that the fees would be waived due to my previous good standing and communication with the company. However, to my disappointment, a {$30.00} late fee was still assessed on my account for that month. Distressed by this inconsistency, I immediately contacted Fortiva again to address the matter. On this second call, I was informed that the fee would be deducted from my balance. Nevertheless, this does not resolve the fundamental issue of unjustified fees being imposed upon me despite my efforts to act responsibly and communicate effectively. In XXXX, I was unfortunately late by less than 12 hours in making my payment, resulting in a staggering {$40.00} late fee being added to my account. Although I acknowledged my tardiness, I refrained from contacting Fortiva this time, assuming that my late payment automatically triggered the assessment of the fee. Nevertheless, this recurring pattern of excessive fees is deeply concerning and seems disproportionate to the minor timing oversight. Recently, my most recent payment was submitted on the payment date itself, only to receive an alarming text message the very next day, claiming that my payment was late. Baffled by this discrepancy, I immediately contacted Fortiva again, armed with an email confirmation and bank records showing that a payment had indeed been made on time. To my astonishment, I was then informed that the payment was considered late due to a specific cutoff time of XXXX XXXX Eastern time, while my payment was submitted at XXXX XXXX As a responsible consumer, I take these obligations seriously and expect transparency and fairness in return. The late fees assessed on my account appear excessive and do not seem to align with the principles outlined in the CARD Act. According to the Act, late fees must be " reasonable and proportional '' to the violation, and they should be directly related to the actual costs incurred by the credit card company due to the late payment. In light of these circumstances, I kindly request the following actions to be taken by Fortiva : 1. Immediate refund of all late fees assessed in XXXX and XXXX, along with any interest accrued as a result of these fees. 2. Assurance that no late fee will be applied to my account for July. 3. Thorough review and adjustment of all fee ( s ) assessment processes to ensure adherence to the CARD Act 's principles of reasonability and proportionality. I firmly believe that my request aligns with the guidelines outlined in the CARD Act and seeks to uphold fair practices in the credit card industry. I trust that Fortiva will promptly address these concerns and take appropriate measures to rectify the situation. I have attached relevant documents, including payment confirmations and communications with Fortiva, to support my claim. Please consider this information while investigating my complaint. Thank you for your attention to this matter. I look forward to a timely resolution of this issue and the restoration of fairness in my credit card account. Sincerely, XXXX XXXX
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44313	Web
Fortiva XXXX Account Number : XXXX This letter is to inform Fortiva XXXX that their actions have violated 15 U.S.C. 1681, 15 U.S.C. 6801, and 15 U.S.C 6802. This has severely affected my ability to obtain credit and is affecting my ability to buy a home for my family. They have violated my rights by violating the FCRA laws. They have violated the 15usc 6802 which states the Creditor is required by law to provide 3 disclosures when extending credit which was never provided. 15 U.S.C.1682 ( B ) states : ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. There were no disclosures provided. They did not provide any disclosure notifying me that I have the option to OPT Out of having my information shared. They also violated 15usc 1681 ( a ) ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.-This information isn't accurate and needs to be removed from my report. They violated 15 USC 6801 states:15 U.S.C. 6801 establishes the policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of customer information. It also prohibits obtaining customer information of a financial institution by false pretenses.-They did not protect my personal information by disclosing my information to the credit agencies. Also, The IRS defines a charge-off as gross or ordinary income. Income doesn't get reported on your consumer report so why is this charge-off being furnished as a debt and the IRS says it is income which makes this account inaccurate account and violates 15usc 1681 ( e ) ( b ) -which states Accuracy of the report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. And it also violates 15 USC 1681 ( s ) ( 2 ) which states : Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Which means this account needs to be deleted Immediately. I strongly demand Fortiva XXXX to take immediate action to rectify these violations and ensure that they are compliant with all applicable laws and regulations in the future and delete this from my credit reports Immediately.
04/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21202	Web
I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase furniture for my home. I was met by the sales associate XXXX XXXX ( XXXX ) who showed me furniture. I decided to pay cash for the items {$570.00}. As the sales associate XXXX was completing my transaction, I viewed more item. Next, I did not leave the store but looked at additional items in the " as is '' section. I was told by the sales associate since it was my first time in the store, I have the option of financing additional furniture. He said he would do a credit application for me on XX/XX/XXXX on the store computer as I sat in a chair beside him he asked me questions about my finance and pertinent information like my social etc. I was told by him that I was approved by Fortiva XXXX XXXX ( Merchant ID : XXXX ) for a line of credit in the amount of XXXX. He said that was pretty good for a new customer and my credit must be good. We then walked around the store and I picked out other items. I asked for a copy of the credit application and never received a copy due to them not being able to print it out. I did received a printout of the transaction summary for Fortiva XXXX XXXX and was advised by the sales associate that I had 6 months to pay the account before interest would be charged and I will be mailed a bill from Fortiva once payment was due. I didn't receive anything in the mail in regards to this transaction and requested the information from XXXX XXXX XXXX and Fortiva who said the agreement wasn't processed yet and I would receive correspondence in the mail when it was time to pay the bill. Thereafter, In XXXX I review my credit and an inquiry from Fortiva/XXXX was on my report as of XX/XX/XXXX and I spoke to Fortiva representative XXXX ( Rep IDXXXX ) on XX/XX/XXXX who said they did not do a credit inquiry or application for me and furthermore she never heard of Fortiva/XXXX, they are Fortiva XXXX XXXX XXXX I have been the victim of identity theft in the past and apart of a XXXX Data Breach settlement ( claim XXXX dated XX/XX/XXXX ) XXXX assured me it wasn't them and I disputed the inquiry with XXXX. She forwarded my call to the fraud department and I spoke to a representative working from home named XXXX ( Rep IDXXXX ) and supervisor XXXX ( Rep ID XXXX ) who advised me that they didn't see a recent credit inquiry for XX/XX/XXXX and no department has a active credit application with my social security number and I may want to check with XXXX XXXX XXXX XXXX Therefore, my dispute was validated with Fortiva XXXX XXXX. I continued to do an investigation and went to XXXX XXXX XXXX and asked the manager XXXX XXXX ( XXXX ) if he had a recent credit application for me and he said " No and I never heard of a new credit application five months after a transaction that happen in XXXX of XXXX. I will investigate why this happen and make sure it doesn't happen again and I apologize for the inconvenience and credit issues this caused you and I will be making his staff aware of this issue you brought to my attention. '' I asked did he have a copy of the original credit application and he said " it was shredded ''. I asked if he was sure my information was not on file, he said " No and I suggest you contact Fortiva because it must have come from them ''. I said I did and they said " maybe it was someone in the store ''. Therefore, this led me to believe some fraudulent activity is going on with this Financing company or XXXX XXXX XXXX. I want Fortiva/XXXX remove from my credit report immediately due to the date reading unknown and numerous people from Fortiva XXXX XXXX stating that they do not have a record of this transaction, do not know who Fortiva/XXXX is or a recent credit application for XX/XX/XXXX.
03/09/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IN 46368	Web
I had opened a credit card through XXXX in XXXX, and have had a multitude of issues with their service ever since. The situation can be quite long-winded, but can be basically reduced to the company initially not honoring a late fee being waived at the very beginning of my membership. I pay my bills online, and on time. My bill is due at the XXXX of each month, to which i not only paid on time, but had paid significantly more than my minimum of {$25.00}. I had accrued a late fee despite the fact that XXXX had received my payment before the end of the business day on XX/XX/XXXX. I had come to realize that they charged me a {$27.00} late fee, to which increased my interest and began to be applied to my minimum balance in the following month, resulting in yet another late fee because my newly adjusted minimum is substantially higher than it once was, and my auto payment didnt meet their increased requirements. They refer to this is a late fee, because what i post ( and should be paying in a normal circumstance ) is no longer the total of the new minimum, so therefore can be labeled is late and in turn give way to yet ANOTHER late fee and resulting increase in what i in turn have to pay. It's a cycle that repeats itself. I had called customer support in XXXX to address this issue, and the representative had told me that my initial payments were late because the digital payment was not received by XXXX ( a previously unaccounted stipulation ). She did not specify what timezone. She advised me to make my payments before XXXX, and agreed to waive this minor transgression and credit me back the late fee money, which she explained how it would cancel out the increase in minimum payment required because there will no longer be additional fees and interest tacked on to my next bill. The representative did none of the things she had agreed to over the phone, and the initial issue was never corrected resulting in an explosion of spontaneous and unavoidable increasing minimum requirements, fees, and interest. It is not only forcing me to pay ever-increasing ( and asinine ) amounts of money every month, but it's beginning to interrupt and possibly damage my credit because im being docked as not being able to meet financial obligations. I had contacted customer service roughly 6 times, and 2 of them were of no use whatsoever. The remaining 4 had asked me to make additional payments in promise that they will make the much-needed adjustments to lower my monthly dues to a real level. Not only did they not make these adjustments to fix the issue, but i ended up paying this credit card twice a month, on 2 separate occasions. There are no credits on any of my bills, and no evidence that anything was actually changed. My minimum payments in chronological order from XX/XX/XXXX - XX/XX/XXXX : {$25.00} ; {$36.00} ; {$62.00} ; {$99.00} ; {$130.00} I had not made ANY purchases using this card during the entire last 6 months. My late fee is not only being applied directly to my new bill, it is ALSO being converted into interest, to which is then added to the {$25.00} i should be realistically paying. And this is an ever-growing issue that compounds off of itself, and it can only continue spiraling further out of control as it so predictably has been so far. I believe this to be a scam, or at least some fraudulent activity is going on. i have a detailed spreadsheet that has all of the pertinent information needed, however this simple HTML page will not transfer. if provided an email address for delivery I shall submit it upon request.
08/18/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30052	Web
On XX/XX/23, I started home security services with XXXX and Fortiva. The enitre ordeal has turned out to be horrible and appears to be a scam by both companies. I have included with this complaint, the 6-page contract provided to me by XXXX. Page 2 of the system purchase and service agreement reflects that I will pay XXXX {$49.00} monthly service fee, plus {$1.00} cellular network service fee, for a total of {$51.00} monthly. I would also pay Fortiva separately {$890.00} plus {$63.00} taxes for a total of {$960.00}, to be divided into 36 months of payments. I provided my debit card information for automatic monthly withdrawals. Fortiva : I received my first bill in mail from Fortiva stating that I would be paying 9.99 % interest on the equipment in addition to the full amount of {$960.00}. Interest information is not listed in our contract. On XX/XX/23, I called Fortiva automated pay line and attempted to pay entire bill in full, to avoid interest charges. Their system kept rejecting my debt card, I assumed it was a problem on their end, so I paid via check providing my account and routing number. I was given confirmation number XXXX for check payment. Fortiva did not process full payment, instead they automatically debited my account for WRONG AMOUNT of {$31.00}. My monthly payment per contract should be {$26.00}, after interest {$29.00}. On XX/XX/23 at XXXXXXXX XXXX manager XXXX called me regarding failed full payment. I brought to his attention that the monthly amount being charged is inaccurate. He agreed and placed me on hold for 17 minutes. When XXXX returned to the call, he apologized, asked me to hold longer, and stated he was trying to get account corrected. I asked him if it would be better to resolve the issue and call me back, he agreed that would be better. He asked if he could call me back after account was corrected. XXXX never called me back and account was never updated. On XX/XX/23 at XXXX, I called Fortiva and spoke with supervisor XXXX XXXX she had no knowledge of my complaint. She reviewed my account and agreed that monthly amount was inaccurate. XXXX requested to call me back once account was updated. I refused the request. I explained to her that XXXX never called me back. XXXX explained that she personally would have the account updated and personally call me back once resolved. I agreed, and to date I have not heard back from XXXX. I received text from Fortiva reminding me of auto debit of the wrong amount {$31.00}. I responded that monies will not be paid until account has been corrected. On XX/XX/23, I received an email stating that per my request auto debit was cancelled and I now owe incorrect payment of {$31.00} plus {$20.00} penalty. XXXX : XXXX contacted me on XX/XX/23 to advise that my monthly amount was past due. I explained to rep that it made no sense, XXXX has my auto debit info becuase it was relayed to Fortiva, Furthermore, Fortiva is freely debiting my account the wrong amount. To date, XXXX has charged me a late fee and has made no attempt to auto debit my account for the month of XXXX. Also, I reached out to XXXX for assistance with Fortiva. I explained to rep that Fortiva is not charging per contract and not returning my calls. Rep referred me back to Fortiva. I requested supervisor, rep placed me on hold, came back and stated that supervisor was refusing to take call because she could not help. He stated that supervisor advised me to call Fortiva again. I demanded that supervisor take call as I purchased service thru XXXX. Rep placed me on hold and disconnected call.
12/11/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	CT 060XX	Web
On XX/XX/XXXX there was a transaction for {$100.00} from XXXX XXXX XXXX XXXX and posted to my XXXX Statement on XX/XX/XXXX. On XX/XX/XXXX there was a transaction for {$2.00} from XXXX XXXX that was included in my XXXX Statement with a posted date of XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$480.00} that should have paid off all transactions including 2 transactions ( {$100.00} XXXX XXXX XXXXXX/XX/XXXX + {$4.00} XXXX XXXX XX/XX/XXXX ) that had yet to be included to my Statements. Today I received my XXXX Statement with a balance of {$110.00}. XXXX statement included a total of 4 transactions. {$100.00} XXXX XXXX XX/XX/XXXX, {$4.00} XXXX XXXX XX/XX/XXXX ( both of which are noted above ), {$100.00} CDSR with a transaction date of XX/XX/XXXX and a posted date of XX/XX/XXXX, and {$2.00} XXXX XXXX with a transaction date of XX/XX/XXXX and a posted date of XX/XX/XXXX. Both of those transactions were already included on previous statements ( {$100.00} XXXX was on my XX/XX/XXXX statement and the {$2.00} XXXX XXXX was on my XX/XX/XXXX statement ) and should have been paid off when I made a {$480.00} payment on XX/XX/XXXX. I have contacted Aspire 7 times over the last couple days and they continue to state they think that the 2 transactions previously noted were pending over the last 2 months and never posted to my account balance and statement until XX/XX/XXXX statement. When I show them all the above information and go over the calculations Aspire then informed me that they Think that it must have been pending for the 2 months or I made duplicate transactions on those dates ( {$100.00} XXXX XXXX + {$100.00} XXXX XXXX, {$2.00} XXXX XXXX XXXX + {$2.00} XXXX XXXX XXXX ). However when I ask to go over my last XXXX transactions those charges those charges are only mentioned once. I have spent over 5+ hours on the phone with Aspire with no resolution. Also I did not recognize either of the charges ( {$100.00} XXXX XX/XX/XXXX or {$2.00} XXXX XXXX XX/XX/XXXX ) when they were originally made in XXXX and I opened a case up with the fraud department to investigate. They did inform me that specifically the XXXX XXXX charges is a fraud issue they are familiar with and many Aspire Card holders have also opened up investigations regarding their accounts being fraudulently accessed and this investigation can take up to 90 days. That is totally understandable as my complaint is not about my account being fraudulently accessed. My complaint is solely regarding Aspire charging me twice for the {$100.00} CDSR ( it was posted on my XXXX Statement and again on my XXXX Statement ) and twice for the {$2.00} XXXX XXXX ( it was posted on my XXXX Statement and again on my XXXX Statement ) while XXXX debates that and has told me they Think they were Pending since XXXX and just recently included in my XXXX Statement. I have all statements downloaded and will submit if needed when opening up this complaint. I opened up my Aspire Mastercard Account in XXXX and received my first statement on XX/XX/XXXX. Since opening the account I have made a total of {$2100.00} ( {$1900.00} purchases + {$71.00} Interest + {$120.00} annual fee ) in charges and made a total amount of {$2200.00} in payments to cover XXXX additional purchases that I made that were not reflected on my XXXX Statement ( {$100.00} XXXX XXXX XX/XX/XXXX + {$4.00} XXXX XXXX XX/XX/XXXX ) with the expectation of XXXX statement to have a small balance of some interest owed to previous purchases. Any questions please ask.
09/15/2015	Yes	Consumer Loan Personal line of credit	Account terms and changes	MA 02155	Web
Opened a line of credit with Fortiva Servicing ; however, the line of credit was reported as closed to all credit bureaus. I 've submitted a compliant with XXXX credit reporting agency but have not yet heard back regarding the results. I did contact Fortiva Servicing regarding the reason why the account was closed and it was stated to me that due to the account being inactive for 3 months, the account was reported as " closed at consumer request '' since I had paid off the balance to avoid incurring additional interest charges. I stated to the representative that I never authorized for the account to be closed and that it was negatively impacting my credit report ( due to the account still being considered " new '' and being closed in a short amount of time, as well as bringing down the amount of open lines I have ) and they stated to me there was nothing they could do. I stated to them this is not something that is in my terms and conditions ( account closure within 3 months due to inactivity ) and that it is misleading to the customer to not provide crucial terms information that could impact their credit report and the most they could do ( after the XXXX attempt at contacting them for a resolution ) was tell me I would need to call every 3 months after the account is closed to have it reopened. This account was opened at a XXXX spa ( XXXX XXXX ) to pay for services used there, as needed. Upon contacting the merchant, they also stated this was something they 've never heard before but due to privacy reason, they was not much they could do as Fortiva Servicing is a third party vendor. The concern is, how can a company close out an account due to reasons a customer was never notified about nor agreed to upon signing the contract terms and conditions? Had I known that a line of credit would be closed due to inactivity after 3 months, I would have never agreed to opening the account. Additionally, as I am currently pregnant, XXXX is not advisable during the term of the XXXX so I can not feasibly use the account until after delivery anyways ( I volunteered this information to them, all XXXX times I called them ). They stated to me, if I do not call to have the account reopened or if too much time laspes between the time the account is closed by them and the time I call them to reopen it, I would need to reapply for a new account to be open. ( again, another impact to my credit report ). I spoke to XXXX different representatives, all providing me with different information. Ultimately, upon speaking to a supervisor ( after being on hold for almost XXXX minutes ), was when they agreed to reinstate my account but that I would need to continue calling every 3 months to reinstate the account each time. The XXXX time I called, I was told without any evidence of negative impact, there was nothing that could be done. The XXXX contact ( this time via email ), I was told that if I did not use the account within 3 months, I would need to reapply for a new account and the account would reactivate only if used within 3 months and ultimately, upon the XXXX call to a supervisor, was when the account was agreed to be re-reported to the bureaus as opened and active, but only for 3 more months. The supervisor checked the terms and agreement while I was on the line and agreed, this condition ( maintaining the account active for 3 consecutive months ) was not stated anywhere.
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30228	Web
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : ASPIRE/ATLANTICUS/XXXX XXXX : Soft Inquiry Reported without verbal or written consent to a third-party organization. Credit Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Adverse Action Notice - Request for Remedy Under ECOA, FCRA, and Social Security Act I am writing to address the recent unauthorized inquiry on my credit report, as indicated in the adverse action notice dated XX/XX/23 ( inquiry date ). I am deeply concerned about potential violations of the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and the unauthorized use of my Social Security information, which may implicate provisions of the Social Security Act. Under the ECOA, discrimination in credit decisions based on certain factors is strictly prohibited. Furthermore, in accordance with 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined not more than {$5000.00} or imprisoned not more than one year or both. ASPIRE willfully and knowingly processed a credit inquiry on my credit profile without my direct written or verbal consent. I did not personally apply for credit with this company, nor do I have a current or past business relationship with them or their subsidiaries. The Credit Reporting Agency that reflected these inquires were XXXX I am particularly concerned about potential unauthorized credit pulls and false or misleading advertisements, which may implicate the Social Security Act. If my Social Security information was used without my permission or if false advertising practices were involved, I want to bring to your attention that this could be in violation of the Social Security Act. Considering the gravity of these potential violations, I am seeking a thorough investigation into the circumstances surrounding the unauthorized use of my Social Security information. If evidence of discrimination, unauthorized credit pulls, or false advertising is found, I expect appropriate action to be taken to rectify the situation and uphold fair lending practices. Please provide me with the necessary information to initiate this process and keep me informed of the steps taken to address my concerns. You may reach me the contact information provided to discuss this matter further. Violations-Obtaining my credit without my verbal or written consent. Law-A creditor shall not make any oral or written statement, in advertising or otherwise, to applicants or prospective applicants that would discourage, on a prohibited basis, a reasonable person from making or pursuing an application. Resulted in a soft inquiry on my credit report ) I XXXX XXXX am seeking remedy for {$1000.00} for this violation. Violation-Solicitation to a XXXX party organization ( XXXX ) without verbal or written consent is prohibited regarding ANY aspect of a credit transaction. I XXXX XXXX am seeking remedy for {$1000.00} for this violation. Violation-Credit Inquiry reflected on my credit report as evidence of securities being received to ASPIRE on my behalf. I would like ALL inquires to be REMOVED from ALL credit reporting agencies listed with CFPB to be notified to remove and restore positivity to my credit profile. I XXXX XXXX and seeking remedy {$1000.00} for this violation. Sincerely, XXXX XXXX
01/11/2024	Yes	Credit card Store credit card	Fees or interest Unexpected increase in interest rate	MD 206XX	Web
I purchased furniture on my XXXX XXXX XXXX with Fortiva a year ago. When purchased I was told there will be no interest for 12 months. Once I viewed my 12th month statement It just stated my promo ended within 60 days. It also had the same thing on my 11th month statement. I called on XX/XX/XXXX the day my bill due, and ask about the interest. Did I need to pay it all off to avoid the interest or would interest be added to the remaining amount only. He told me to pay it all of to avoid the interest because it will be the interest for the entire amount of the purchase not for what was remaining. There was also a late fee on there statement and he reviewed the account and stated the late fee would be credited in 1 - 2 days. After I got off the phone with him, I paid the entire amount, minus the {$41.00} late fee. On XXXX XXXX I receive a text that my statement is ready, because I get paperless statements. I noticed there is now {$780.00} on my accounts after I paid everything off. The late was still there and all of the interest was added to my account. I called twice and spoke with XXXX and asked her why was there interest on my account when I just called oXXXX XXXX XXXXnd spoke with another representative who instructed to pay everything that day to avoid the interest. She said because my promotion ended on XX/XX/XXXX and even though the bill was due until XXXX XXXX still had to pay it by that date. I have never heard of that, I have other credit card and it doesnt go by the exact date that you buy the item, its 12 months from when it shows up on the credit card statement. I informed there is nothing on my statement showing I had to pay by XXXX I asked could the interest be removed and she said no because I didnt pay it on time. I told her again, I am looking at my statement and there is no promo end date on the statement. She then disconnected the phone again, this was the second time I called her. I then got on chat and explained everything and I asked if I could send a video of what my statements look like like from their website. He said the promo is on the bottom of the statement. I opened every statement for 12 months and its not there. Even on the first statement it just shows the balance, and all this other information but never the date that I purchased it. I screen recorded to show I am pulling it directly from the website because they want you to go paperless. After the chat ended I sent a message through the website asking if I can send them what my view of the statement was showing. Its been 72 hours with no response and the response time is 48 hours. I also sent an email and attached the screen recording showing me opening the each statement and scrolling down to the bottom and there is nothing there about a promo end date. I have not received an response back. I do not understand why the promo information would not be on the page with all the summaries. It almost feels like they want you to miss that date to apply interest and that is not fair. The statement for XXXX stated the promo ended within 60 days and the XXXX statement showed that the promo ended within 60 days. The XXXX should have stated within 30 days. Then there is a breakdown of the interest, the next page is a payment coupon to send the payment in the mail and that is where my statement ends.
09/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33852	Web
On the date of XX/XX/XXXX myself and my family checked-into the XXXX XXXX XXXX XXXX located in XXXX Georgia and checked-out on XX/XX/XXXX. I later learned that I was charged a total of XXXX which brought my total at the time to around XXXX. My credit limit was XXXX so I was unknowingly roughly XXXX over my credit limit. No clue how Aspire let that happen in the first place. I was billed from XX/XX/XXXX to XX/XX/XXXX. Upon checking-out we proceeded to drive to South Carolina to attend our sons upcoming graduation from XXXX XXXX XXXX Once arrived at South Carolina we checked into XXXX XXXX XXXX XXXX. I provided Aspire my credit card statement from XXXX XXXX supporting this. I was not even in the state of Georgia at the time and dates billed above by XXXX XXXX XXXX. We were in South Carolina until XXXX XXXX until we checked-out and drove back home to Florida. The outrageous charge was posted to my Aspire account XX/XX/XXXX and I was made aware of it XX/XX/XXXX I called Aspire customer service number immediately and informed them of the overcharge and I needed them to start a dispute because I could not be held responsible for charges I was unknowingly and wrongfully billed for and so they said they would notate the account but I needed to contact the merchant which I already done, but they could not start the dispute until I filled out paperwork and mailed it back in. Dispute never arrived in the mail. I called back spoke with a different person this time that told me they could email it and so they did and I provided them with all the proof they needed via email. I provided them with a email sent to me from XXXX XXXX XXXX of them apologizing and stating the documentation in that email was showing that the funds were being refunded, I provided them with the statement from XXXX XXXX showing I was in South Carolina, and a receipt of the amount that was correct. I soon after learned my account had been closed and due to no fault, negligence or mismanagement of my own. My account has not had a blemish on it even with the overage on there I continued to make my payment as usual I have always made my payments early not once have I been late. I have been emailing Aspire to get clarity as to why my account was closed to no avail they are very vague and unclear I am fairly certain they are not even reviewing my account. I am still waiting as well on the written response to the dispute as I am yet to have a written decision but my account shows the funds have been corrected. So what exactly is the issue? I am a account holder that was taken advantage of and they drop me and they still somehow are adding on charges, that is not right this has affected my credit report I asked them to fix this and I get no response. On XXXX XXXX I spoke with a young lady by the name of XXXX for the time period of 27mins and 9seconds who told me my account would be reopened within 5-7 days I they same day got an email saying it can not be reopened. What is going on is this ok, is it legal? Aspire is wrong and companies like this need to be held accountable for mistreating people when no wrong has been done they should not be able to close an otherwise perfectly good standing account that just received a credit line increase for no reason.
04/26/2021	No	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	VA 23234	Web	Servicemember
On XX/XX/XXXX XXXX had a rep come to my home to sell me a security package. I had another system through XXXX that had no contractual agreements. I was very clear with the rep that I did not want to be tied to any contract to keep their services. I would also like to be clear this entire exchange happened with me, my fiancee, and my adult nephew - and we all remember it the same way without trying to line up stories. The sales rep advised that I could cancel and I could apply for credit to pay for the equipment. He stated that if I canceled there would be no fees and the equipment would be financed through a bank. I chatted with them on Saturday XXXX XX/XX/XXXX XXXX only to find out that I am in a contract for 5 years. However, the rep stated the contract was only to lock in my rate. I called this morning to proceed with canceling, I told them I understand I am obligated to make my monthly payments for credit. However, I did want not their service. They advised me that I WAS in contract to keep their service for 5 years, there IS a canceling buyout of the contract, AND in order to even start that process I would need to pay for the equipment upfront through Fortiva - which is it's own separate entity. I told them that that doesn't make sense, I was willing to pay the monthly payments to Fortiva but that had nothing to do with XXXX and that I was never supposed to be in a contract. After 50 minutes the customer service rep was advised by his supervisor that despite the fact that I was lied to - there was nothing that could be done. The supervisor stated that the best they could is defer the XXXX contract for 6 months but I am stuck in the contract and making payments for the credit card alone is not an option unless I keep XXXX as my security system. I continued to question what my credit account with a separate bank - that has paid them for the equipment already - has anything to do with XXXX as a security company. I also advised them that they were extremely misleading and lied to me to get my business and that goes against federal guidelines. They didn't care nor could they provide an answer as to what my credit account has to do with them but I needed to prove it's paid off to cancel with them. - again I never said I wouldn't pay but that I preferred to pay my monthly payments with Fortiva as I have always done. I would NOT have agreed to this contract if I the sales rep had been honest. I was VERY clear that I did NOT want a contract. I was very clear that I did NOT want any obligation to stay with the company. He literally said XXXXthis is financing through them so they pay us so you don't have to be in a contract with us '. Only for me to find out that is a COMPLETE lie and I am obligated to not only stick with them but there is some weird rule that I have to completely pay off my credit account to cancel their service. What is the point of financing over time if me walking away from the XXXX means I have to come out of pocket all the way to do so. I was told that making monthly credit payments but canceling XXXX is not an option. I am baffled, upset, and completely dumbfounded. I was lied to and the concept that my separate credit account has something to do with XXXX doesn't even make sense.
12/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 72404	Web	Older American
I was called by a company called XXXX XXXX about an old credit card debt. I was told it was concerning a XXXX Credit card. I told the man that according to my credit report that debt was closed in XXXX. He told me that just because it was closed did not mean I did not owe it. He told me he was needing to collect {$1800.00} from me and if I did not agree to a payment plan today ( XXXX XXXX ) that I would be " served : with court papers. I could see that the debt still showed on my credit report, so I paid the XXXX XXXX {$150.00}. XXXX. However, I called XXXX XXXX XXXX today ( XX/XX/XXXX ) who told me they had no lawsuit against me and the total I had owed them was {$970.00}. The lady explained to me that if I wanted to pay them, I could make payments, but they would not be taking me to court. I then called XXXX XXXX back to try to explain to him I have made a connection with XXXX XXXX and would not need to make payments to their legal firm. The man was very hateful to me and told me THIS IS NOT FOR A XXXX ACCOUNT -- THIS IS FOR AN ASPIRE CREDIT CARD FROM XXXX. I told him I had never had an Aspire credit card, but he insisted that this was an old debt, and he had my social security number on the account # XXXX. I tried to tell him this was not right, but he threated to add harassment to the lawsuit and said I had already made the payment, so this was no longer up for discussion. I got back online, and I called Aspire Credit card corporate offices. I asked them to look up my social security number and tell me if they showed an old credit card bill in my name. They FOUND NOTHING UNDER MY SOCIAL. I then asked them to check old " bundled and sold '' accounts given to collectors or legal firms -- AGAIN, THEY FOUND NOTHING UNDER MY SOCIAL OR MY NAME. I called XXXX XXXX back and requested that they send me the account information and the entire written explanation of this lawsuit and account -- they agreed to do so after being somewhat nicer to me but reminding me that this had been explained to me before and I had sent a payment ( it was explained to me as an old XXXX debt first, though, and then Aspire ). I spent a great deal of time and money 2 years ago to contact all my old bills and pay them off or settle them and during that time I saw NOTHING FROM AN ASPIRE card either on my credit report or from the collection agencies/law firms I called to resolve all those. XXXX XXXX ( which I can not find online anywhere ) states that this bill was from XXXX!!! THAT WAS 14 YEARS AGO!!! I can not find proof of this anywhere. I called each of the 3 collection agencies that Aspire told me handled their past due accounts -- I talked with XXXX of them -- XXXX and XXXX -- neither of these agencies found my social on any documents or accounts they had. The other agency they gave me was XXXX XXXX -- I could find no information on them at all. XXXX XXXX did not tell me where they are located. The phone number I have for them is XXXX and that is all I know about them. I do not mind paying for past mistakes and i have tried to clear each one, but I can not find proof of this account or bill, therefore, I am questioning XXXX XXXX. I want to get to the bottom of this situation. Thank you. XXXX XXXX XXXX.
09/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TN 374XX	Web
I accepted an offer from XXXX for an account with a credit of {$700.00} in XXXX of XXXX. As soon as the account was set up online I paid the annual fee which made the balance {$0.00}. This card was intended for emergencies only. It was put in a safe and NEVER used. I set a reminder on my phone to alert me in late XX/XX/XXXX that this card 's annual fee occur in XXXX. Circumstances had changed and I no longer felt the need to have this emergency credit card so in early XXXX of XXXX I called and closed the account. The annual fee had not been charged yet - according to XXXX 's website. My balance was {$0.00}. So after I called to close the account I crossed that task of my to do list and moved on. Flash forward later in XXXX and I'm getting voicemails from XXXX about an overdue balance. The account hadn't closed and because months went by without making a payment interest fees piled on to the annual fee charge. I called to clear this up, XXXX didn't assert I hadn't called or closed the account previously. However XXXX also wouldn't offer any solution unless I paid a {$50.00} fee right then and there on the phone. After spending a lot of time explaining how messed up this situation is, XXXX said the issue was going to go up the chain of command and to check back in 7-10 business days to see if the request to waive this balance was approved. It wasn't. So I call again. And once again after spending a lot of time re-explaining this messed up situation is, XXXX doesn't offer any solution unless I pay {$50.00} right then and there on the phone. I again refuse and am told the request to waive the entire balance will work its way up through supervisors and to check back in 7-10 business days. It wasn't. So I call again... At some point the account is closed for non payment but the balance worked it's way up to {$270.00}. However having to call, re-explain this maddening situation, and check back in 7-10 days to see if waiving the balance is approved -- that task stays the same. Each time I call XXXX behaves as if it's the first time I'm contacting them about this issue. They don't assert that I've never called or had any interactions with XXXX via phone before. But they also do not acknowledge any previous interactions via phone. This happened today XX/XX/XXXX and once again I'm waiting to see if my request is approved or not ( in 7-10 business days ). It's time consuming and frustrating. And while waiting for this issue to get resolved XXXX is harassing me with phone calls and emails multiple times a day to pay the entire balance ASAP. I don't want to pay {$50.00} on the phone to a company that already indicated via phone transaction that the account was closed with a {$0.00} balance over 6 months ago. If I pay {$50.00} to make this all go away I have no confidence it actually will. XXXX is either denying I closed the account before the annual fee would be charged, or a mistake was made in their system. I can't be expected to record every phone call and even if I did have something like that and presented it to XXXX they would probably just pass that info up from supervisor to supervisor to ultimately not change anything. And again this card was NEVER used. It's maddening.
06/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	TX 75241	Web
XXXX Aspire Credit Card Services to set XXXX XXXX XXXX Was offered " XXXX XXXX XXXX '' by Representative. Was told to make payment of {$560.00} to clear total balance and close credit card. Agreed to set up Auto payment for XX/XX/XXXX. XXXXcalled Aspire, advised representative bank account has a temporary hold due to state taxes so can longer use account to make payment. Advised representative will still make payment with another card. Representative agreed to cancel the auto payment for XX/XX/XXXX and agreed I can call back with someone else card on XX/XX/XXXX to make the payment. XXXXcalled aspire and advised using moms card to pay the XXXX. Representative advised can pay online through account to avoid processing fee. Agreed to make payment. XXXX aspire to advise Bank notified me of transaction trying to go through. Advised representative of conversation on XX/XX/XXXX and that account was on hold and made payment on XX/XX/XXXX so need to reverse payment to avoid any other issues with bank. Representative apologized and said see payment for XX/XX/XXXX and will reverse incorrect payment. XXXXcalled Aspire to see why balance still showing on account when I made the payment agreed upon. Representative advised to give til XXXX and account should be updated to zero-balance. XXXXcalled Aspire advised balance still showing on account. Representative advised program voided. Advised representative made the payment and held up my end of the agreement. Spoke to another representative that stated due to online payment it voided the agreement n had to pay with representative. Advised rep was never told had to pay with another rep. Advised rep when called to make payment the rep advised can pay online. Advised again I made payment as agreed and did not appreciate tat the previous rep o XX/XX/XXXX did no cancel the other payment as he promised. Advised Rep I will need to hear all the recordings once I speak to an attorney. Rep advised me he will have manager pull calls and will rectify the situation and promised to call me back on XX/XX/XXXX between XXXX XXXX. XXXX-called Aspire and advised a manager was to call me back to fix the situation with the XXXX XXXX XXXX. Female Rep did not adhere to what I was saying. Advised rep at this time I need to file legal because, no one is trying to help me resolve this. Rep advised se would get me to a manager. Rep placed me on hold and never came back. Called aspire back and advised another Rep what was goin on. Rep advised me he will be emailing upper management to get this resolved and shows that I held up my agreement. Rep advised me it should be rectified by the following Friday ( XX/XX/XXXX ) and to call back that day or after. XXXXcalled Aspire advised checking status of dispute. Rep advised no dispute and do not show. Advised Rep keep getting the run-a-round and this need to be resolved today. Rep gave number to fraud department for dispute. Spoke to that department. Rep advised ill get manager. Male came to phone then hung up. Called back spoke to female Rep. She advised no previous notes and cant make a dispute in this department. Advised Rep at this time will be seeking legal action and filing against them.
11/01/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 77407	Web
I opened a service with XXXX security company ( for home security ) in XX/XX/2021. At that time, the XXXX company offered a loan {$700.00} for two purchased video cameras ( for my home monitoring ). Later, I received a retailer credit card from Fortiva ( It seems this Fortiva credit card is partnered with the XXXX company ) with the balance {$700.00}. Please also refer to an attached XX/XX/2021 statement of my Fortiva credit card and it shows on XX/XX/2021, the transaction {$700.00} was posted to my credit card. After XX/XX/2021, I did not purchase any cameras, equipments, or items from the XXXX company. On XX/XX/2021, I online paid the full amount {$700.00} to my Fortiva credit card, and make the balance to XXXX. Please refer to the attached XX/XX/2021 statement of the Fortiva credit card. On XX/XX/2021, I received an email from Fortiva to say that there was a transaction charge from XXXX with the amount {$700.00} on my Fortiva credit card, but I did not purchase anything from XXXX recently, so I ignored it. On XX/XX/2201, the Fortiva credit card company sent me the same email again with the same attachment. I enclose the two emails from Fortiva ( on XX/XX/2021 and on XX/XX/2021 ) and its attachment document here. This {$700.00} is either duplicate or illegal charge. On XX/XX/2021, I filed a dispute form for this illegal {$700.00} charge and emailed it back to the Fortiva customer service. The Fortiva customer service confirmed with me that they received my filled transaction dispute form. Pleaser refer to my email communication with Fortiva customer service on XX/XX/2021. On XX/XX/2021. I called XXXX customer service several times and even spoke one of the customer service directors at XXXX. He told me that XXXX did not charge you recently, since you did not buy any item from them. In the phone call the director told me that such illegal transactions came from Fortiva credit card, and the illegal transactions have nothing to do with XXXX. Because of the numerous problems with the Fortiva credit card, I called the Fortiva customer service to permanently close this credit card on XX/XX/2021. The customer service representative told me that he closed my Fortiva credit card on XX/XX/2021. Later on XX/XX/2021, Iogged into the online account of the Fortiva credit card. it does show my Fortiva credit card was actively locked ( or called cancelled? ). I also attach the XX/XX/2021 snapshot of my Fortiva credit card online account regarding its status. on XX/XX/2021. I received another email from Fortiva to illegal charge me {$700.00}. In this email, it attach a transaction report for {$700.00} from XXXX again and again. I attach this email and its attached document here. In summary, the Fortiva credit card fabricated repeated illegal and fraudulent charges on customers for completely faked/fabricated transactions. And, such illegal activities have been made repeatedly. I am outrageous at such activities and would need helps at federal level to fight with such outrageous illegal activities conducted by the Fortiva credit card company.
06/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	NY 115XX	Web
Aspire Credit Card is a company that makes it intentionally difficult to pay your bill. They dont send you a notification when your bill is due, their website to pay is constantly down, their app is also constantly down, and even when its working it makes me change passwords that I know are correct. My payment was due XX/XX/. I tried to use the website or the app to pay, however, both were down. Every single time I tried to use the website it would end up not even functioning, and the app would just stay stuck in loading screen every time I tried to log in. Since it was past XXXX XXXX I wasnt able to call them to make the payment. So I had to wait until XXXX XXXX XXXX XXXX to call them so I could make the payment online. They payment came with a {$41.00} late charge and even though I told them the reason was because their website was down, they still told me theyd reverse the charge as a one time courtesy????? I couldnt pay because their own systems were down and they charged me for it??? And then acted like they were being nice for reversing the charge? While trying to log in to my account XX/XX/XXXX, the website would constantly tell me that my email and password was incorrect. I use the same password for everything so that didnt make sense to me, but I went to go search my email to see if I could find where they may have sent me my account info before. When I searched my email, I found that exactly a month ago, when I was trying to pay, I had the EXACT same issue! Wasnt able to log in and had to reset my password. When I looked up the issue online, I found a lot of other consumers had the same problems I did, going back years. The website never worked, they never got notifications of upcoming bills, the app never functioned, they couldnt pay their bills for those reasons and had to get charged interest or late fees because of it. I looked through my email again and noticed Aspire had sent me a feedback request a few weeks ago. So I decided I was going to leave my feedback for this company in their reviews. What really upset me is that when I tried to rate it one star, nothing happened. Two stars, three stars, nothing. If I rated it four or five stars, I would be linked to a website to leave a review on their page. That made me think this was all intentionally by design. They purposely made a website that functions poorly and an app that never works so they can make their customers miss payments and pay late fees as a result. When I spoke to both the representatives working there and they didnt understand why I was so angry, I asked both of them if they would use a card from this company knowing their practices and working for them everyday. Unsurprisingly, both of them were silent when I asked them. It seems as if the intention of the company is not to provide customers with an opportunity to build credit, but rather take as much money from them as possible in fees and interest, by designing a business that makes it borderline impossible to pay your bills on time.
08/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	TX 77375	Web
I had to open a retail credit account with Fortiva Retail Credit to finance equipment for XXXX the security systems company. This new account was reported to the credit bureaus a couple of weeks after opening the account. To my surprise, 18 months later the account was reported as new again decreasing my credit score by XXXX POINTS! I called the company to understand why this happened and I was notified that my retail credit account was converted to a credit card account. That I was sent a notice via email that I had to " opt-out '' within 45 days. I told them ( a ) I never received the email and ( b ) it is GROSSLY inappropriate to send an email concerning such a serious impact to a person 's credit file! I asked them to forward me the email. After several attempts I never received it. I asked them to confirm the email address. It was WRONG! They had the wrong email address on file. So, technically I never received the opt-out notice. I asked them to convert my account back and the rep said no and there was nothing I could do it about it. I confirmed that this was the email address that XXXX provided to them and no changes to the email were made. I contacted XXXX and I have it in writing from them that they have had the correct email address since the inception of the account. I contacted Fortiva again and told them the error was on THEIR end. Again, since I never received the opt-out notice they need to convert my file back to retail. They refused and told me there was nothing I could do. They converted my account WITHOUT my consent, gave me a credit limit {$300.00} more than my balance thus driving my utilization up over eighty-percent on the credit card and knocking my credit score down by over XXXX points. This is unethical! Companies should not take measures to convert accounts impacting the credit file of their customers without consent. Sending an " opt-out '' email is not acceptable. The option should be to be able to " opt-in ''. They are counting on the email address being wrong ( as was the case for me ), or they are hoping it is spammed or that you miss it. They can make collection calls, send marketing material, but they can not contact you through better means to notify you of something so major? This is a bad business practice and has a direct impact on the financial file of customers. I am extremely upset and frustrated by this. Even after confirming they made an error by not correctly keying in my email address- they still did not do the right thing. I had to request that they do not activate this credit card, that I did not ask for or sign up for. I had them confirm that they would not charge me any fees, activation or otherwise and I paid off the account in full to stabilize my utilization. So, now I am out a lot of money and a large dip in my credit score until it rectifies itself. Opt-out notices via email should not be a business practice. Tacit acceptance when it concerns your finances is a devious business practice. This is not ok.
05/22/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MI 48235	Web
On XXXX XXXX, 2015 I was attempting to help a friend obtain a phone through the XXXX XXXX XXXX. I was advised that they had financing options that did not include pulling or reporting to my credit bureau. The gentleman in the store asked me if I wanted the payments to be withdrawn from my checking account, I advised I just needed him to make sure that my credit was not run. He said ok, finished processing the account, we received the phones, he gave me information for when the payment was due and I thought that was the end of it. On XXXX XXXX, 2015 I called Fortiva as I pulled my credit report and noticed an inquiry from Fortiva and gave them a call and explained that I was told more than once that my credit report would not be run, I advised their inquiry was without permission and told them that I wanted the info to be removed from my credit report. I was told by a representative as well as a supervisor by the name of XXXX that I needed to XXXX the balance on the account and they would remove the info from my credit report. I asked for something in writing and they said they would n't be able to give me anything in writing, but to make the payment and call back and they could take care of it from there. Apparently, as XXXX informed me, there are XXXX ways for financing for XXXX phones. There is a " Y Buy '' program that does n't include pulling a credit report and then there is " Fortiva '' which indeed does pull a credit report. XXXX told me I could have the store cancel out the Fortiva account and instead sign me up for a " Y Buy '' account and that would XXXX the balance or I could just pay the account down to XXXX. In not wanting anything else to do with any of their financing options I went ahead and paid off the account on XXXX XXXX, 2015. The payment updated to the account after business hours on XXXX XXXX, 2015. I called in on XXXX XXXX, 2015 and then spoke with another representative as well as another supervisor by the name of XXXX rep id # XXXX. I informed him of the previous conversation and that the account was now paid off and that I wanted them to follow through with removing the information from my credit report. He told me there was no way to do this as they do n't remove factual info from the credit report. I advised I understood not removing facts, but I did n't authorize my credit report being pulled. He said they would have to do an investigation and someone from their corporate office would call me within 3-5 business days. 14 business days later I have not received a call back or resolution to my problem so I called in on XXXX XXXX, 2015. I spoke with a representative and asked to speak to a supervisor. After almost 15 minutes on hold, the rep came back and said a supervisor was not available, he was on another call and would need to call me back. 24 hours later and I have still not received a call back. This is incredibly wrong, I have been misled and lied to and I would like some resolution to this situation.
11/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL XXXXX	Web	Older American
You know with the inappropriate language XXXX that the majority of the people I do business with really over-react to what the federal government put into writing, it really is no wonder why I do not get more DEATH THREATS THAN I already receive : I did not agree to the account maintenance fee of {$10.00} nor was there any mention of when an annual maintenance fee of {$39.00}, other than your exorbitant {$120.00} to open the account in which I agreed to in order to get the credit from you in the first place Normally I would contact you first however with a Federally protected non-dangerous with COURT ORDERS to back-up these non-dangerous SOCIAL SECURITY ORGANIC MENTAL HEALTH DISORDERS including XXXX and XXXX Syndrome, among hundreds of other impairment coded non-dangerous XXXX. However after dealing with several of you normal people that can not or will not accept that the AMERICANS WITH DISABILITIES ACT ( ADA ) is a Federal Law, and purposely go out of their way to attack me, by causing physical harm to myself by your and others like you actions, it is with a not SO HEAVY HEART, more precautionary on my part, that I am making this CFPB report, prior to sending this to FORTIVA. See ( HA, HA, HA ), as I still have all the medical documentation to state that I am an XXXX XXXX XXXX, LEGALLY XXXX, IN A WHEELCHAIR AFTER XXXX DUE TO THE XXXX ( NO XXXXXXXX XXXX OR XXXX ), the non-dangerous XXXX XXXX XXXX language XXXX, being OVER XXXX XXXX XXXX, HAVING KLINEFELTERS SYNDROME which automatically puts me in that DOJ XXXX XXXX XXXX IDENTITY PROBLEMS, WHICH MAKE MYSELF PART OF 5 distinct groups, which allows myself to contact the DOJ with this case number from the CFPB. Then after those XXXX onto the XXXX XXXX BANKING XXXX IN TEXAS, which oversees the RICO ACT, what you did not know or care that in XXXX that PRESIDENT JIMMY CARTER, RATIFIED THE WIRE TRANSFER ACT OF XXXX, which gave the DOJ & the FBI the power to go after criminal enterprises, like the XXXX, OR THE XXXX, or maybe even your firm. Again, what, you did not know that even with a VISA/MASTERCARD LOGO on them, that ALL BANK CARDS fall under the WIRE TRANSFER ACT OF XXXX, and since I made all of my payments with my bank, XXXX XXXXXXXX XXXX THE WIRE TRANSFER ACT OF XXXX, the Banking commission tells you when to JUMP. Then onto to the FTC for consumer FRAUD. Overkill you SAY, well as I stated earlier, I have had the DISTINCT PLEASURE OF DEALING WITH so many of YOU normal people, NOT, that make up the rules as you go along. WHAT I WANT IS NO CUTE NEW CHARGES going forward, plus the removal of the following fees : ACCOUNT MAINTENANCE FEE XX/XX/XXXX {$10.00} ANNUAL FEE XX/XX/XXXX {$39.00} Since there was no mention of it anywhere prior to you committing the alleged fraud against myself, and the HATE CRIMES AGAINST MYSELF. No potentiality, on that point, as the DOJ does NOT come to me and say XXXX do we have your permission to indict anyone or company.
12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web
In regards to the fair credit reporting act 15 USC 1681 section 602 it says there there is a need to ensure that a consumer reporting agencies exercise their grave responsibilities with fairness and partiality and respect for the consumers right to privacy XXXX and XXXX are the consumer reporting agencies and I myself and the consumer. I have the right to make sure that my private information isnt shared which is backed by 15 USC 6801 in which says it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers by not sharing their non-public personal information Fortiva, XXXX is a financial institution by definition under that title. It states in 15 USC 1681 section 604 ( a ) section 2 in general to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances, and no other in accordance with the written instructions of the consumer, to whom it relates Fortiva XXXX, the financial institution, and the consumer reporting agencies XXXX XXXX , do not have my consent to furnish this information, and they surely do not have my written consent to share any of this information. And any, and all consent to experience or XXXX Fortiva, XXXX, whether it be verbal nonverbal written implied or otherwise revoked. 15 USC 6802 ( b ) ( c ) clearly says a financial institution may not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that a nondisclosure option Fortiva XXXX never informed me of my rides to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) clearly says except as authorized under the subsection ( b ), 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 the records of convictions of crimes, which annotates the report by more than seven years this account is an adverse item they are reporting again of which I never gave permission and this is against the law 15 USC code 1681s-2 ( A ) ( 1 ) clearly says 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 in accurate. 15 USC code 1681e clearly says every consumer reporting agency, shall maintain reasonable Procedures designed to avoid violations of section 1681 ( b ) of this title, and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 clearly says that a consumer may exercise the right to opt out at any time.I am here exercising my right opting out of your reporting services
10/22/2019	No	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	FL 33445	Web
XX/XX/XXXX received a bill in the mail from XXXX XXXX fortiva account in the amount XXXX Bill stated it was due on the XX/XX/XXXX, even though I received it on XX/XX/XXXX. Payment was made in the amount of {$60.00}. No bill or email statement was sent prior to XX/XX/XXXX or any previous month. XX/XX/XXXX received bill in the mail with a statement stating that I owed XXXX the {$60.00} previous statement had a {$30.00} dollar late fee and only {$30.00} dollars was applied to the balance. I called customer service at fortiva to then complain how can you charge me a late fee if i get the bill 2days after its due?. I was told " at least you got it in the mail '' and the fees can not be removed and I wanted to close the account immediately. I wanted to speak to a supervisor and was told that wasn't possible. I immediately wanted to complain and could not over the phone and told me I could close the account at XXXX XXXX. So the next day XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX florida to speak to a manager. The manager on duty told me he would call and get back to me, 3 days went by and no call. I go back to the store spoke to a new manager and told him I wanted to close the account and did not want to be charged anymore fees and would pay off the {$220.00} balance immediately. He said no problem and he would take care of it. Have not heard back from XXXX XXXX manager since and now XX/XX/XXXX fortiva has charged me {$90.00} in fees and {$80.00} in interest, I have not received a bill since XX/XX/XXXX. XX/XX/XXXX I call fortiva and im told I have to pay XXXX on a now closed card and that they will continue to charge me fees and interest, I offered to pay the previous balance after explaining to them what has been happening even offered to pay the balance including the 3 late fees to close the account totaling {$310.00} and refused me saying they can only accept the {$400.00} dollars and until its paid it will keep incurring fees.I have made several attempts to get this sorted and can not believe this is a real company. I have requested the phone recordings and feel like i'm being extorted. No one at XXXX XXXX can help me. XXXX is the email they gave me and was told someone will be contacting me. In XX/XX/XXXX I realized that this company was bogus and wanted to cancel the card before it got out of control. My original available balance on the card was {$500.00}, the card was closed before the 90 days of non payments agreement as well. The current balance of XXXX is well under the card limit, I also brought that to their attention. I was told they closed my account in XX/XX/XXXX and I had no notification. That was 60 days after my last payment well before the company 's policy. Im working very hard to improve my credit and absolutely regret dealing with this company. This is absolutely extortion style tactics, especially since ive made so many different attempts to rectify this situation.
12/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30096	Web
This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. Be advised that verification is defined ( XXXX 's XXXX XXXX, XXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z. The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
10/19/2018	No	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	OH 44306	Web
In XX/XX/XXXX ( Between XXXX ) I ordered a XXXX XXXX XXXX XXXX from XXXX costing {$2200.00} for the machine and an additional {$240.00} for In-Home set up of the treadmill. XXXX gave me a Discount of {$120.00} which they later Credited my Account because that supposed to be part of the Special. Initially, I thought my payments were to be deferred for One year and thereafter Interest would began to be charged to my account is what the representative that handled my call told me. Not to mention in the beginning dealing with XXXX Reps I had my share of receiving conflicting information from them. Poor Customer Service relations from them. The experience alone should have prompted me not to do business with them and send the equipment back. However, I kept it and believed all would be successful moving forward. To my dismay that has not happened I Never received a physical credit card from the Company XXXX that financed my XXXX XXXX XXXX from XXXX. I only receive Billing Statements and can access my Account on-line. On XX/XX/XXXX, I called XXXX and spoke with XXXX and questioned her about my Interest Rate charges and she told me that the charges began six months after I purchased the machine. I told her that was unbeknownst to me in the beginning. I called XXXX Billing ( XX/XX/XXXX ) to get the correct amount for APR, I was told 26.90 %. XXXX shows on paper that Ive only Paid {$150.00} Year-To-Date in Interest Fees for XXXX. However, I have Paid {$360.00} in Interest Fees. I am unsure how much in Interest Fees I paid in XXXX because when I called to inquire about such data I was told by the Representative ( possibly XX/XX/XXXX ) that he could not access that information and he could only go so far back into XXXX which was XXXX out of that year. I have Never heard of a company not being able to furnish a consumer any of their data or documentation to support facts about their account I no longer have the original bills of XXXX for XXXX, XXXX, XXXX, XXXX XXXX. Thus far, I have Paid {$1100.00} in payments year-to-date XXXX. Paid {$980.00} for XXXX. XXXX practices of the on-line system the Pending Status, Balance After Payment or Payment Deductions are lacking tremendously. It never is consistent. Either, I can not see what should be posted or the Balance seemed to keep being elevated and never seeming to be lowered after all the money I have paid toward the machine. I only have missed a total of 3-4 on time payments. I pay more than the Minimum on several occasions because I thought I would see a Decrease. I called them on this in XX/XX/XXXX and told them I was utterly upset and I would seek to have someone look into this further for me because I had had it. A few days later I went on-line and was able to access the Balance to the Account. I feel XXXX Business practices have been Deceptive and Fictitious starting with XXXX the company that starts the initial set up for XXXX XXXX.
04/30/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76140	Web
On XX/XX/2020, during the 30+ plus days where the temperature exceeded 100 degrees. My air compressor stopped working. I contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX at ( XXXX ) XXXX. The service tech XXXX came out and explained our freon was low. After filling the freon he explained that the type of freon our unit needed was no longer an approved freon within the State of Texas. XXXX said in the future to add freon would cost us a minimum of {$900.00} per pound. He recommended a maintenance plan which we purchased. During that conversation, XXXX also suggested that we consider replacing the unit since it was almost 20 years old. He informed me of the various financing options. We agreed to have another representative come out to talk with us. XXXX ( sales representative ) came out and XX/XX/2020, and he sold us the entire Heating and Air Conditioning unit for {$10000.00}. He discussed the special financing 48 months, same as cash upon application approval. We did not want to make a joint application in fear it would be declined. Therefore, we ran provided my SSN and my husbands SSN. XXXX ran my SSN first and I was approved. There was no need to run my husbands credit, so he didn't. I signed the contract. When the statement came in the mail it was under my husband 's name and not mines. Once we received the first bill, we set it up on auto draft in hopes to pay it off quickly to prevent the finance charges. After 6 months, we received an invoice showing finance charges greater than {$3000.00}. I immediately contacted Fortiva and was advised their company does not offer 48months same as cash. They only offer 6 months. I explained the contract I signed and asked them to provide a signed contract in my husbands name that outlined the 6-month term. Fortiva instructed me to contact XXXX XXXX. They also advised me there was no signed contract they received from either XXXX or myself. I immediately contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I was informed there was nothing I could do. I asked for a copy of the signed contract showing my husbands signature. I was informed there was no contract. I have tried to explain to both companies that the contract was in my name and that I was the only person that was approved for the 48months same as cash. We have continued to pay Fortiva and now owe less than {$3100.00}. This loan would be paid off if the contract I signed was honored. There is no credit bureau reporting being provided for me since the loan is in XXXX name. I am reaching out to your Consumer Complaint department because this is fraud. We should have finished paying the {$10000.00} had they not added the finance charges. Please assist if possible. We are currently on paperless statements ; I reached out to Fortiva and was advised I would be unable to print my statements. I requested all the statement for my account. I am currently waiting for a response.
07/20/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92544	Web
I received a call XX/XX/XXXX, I believe, on behalf of a court summons for my mother. The woman on the other side of the line would n't tell me what the summons regarded, and only stated it was personal business for my mother. I ended up writing down the phone number, and letting her know that she was n't expected a court date, that she had heard nothing of it. She seemed obviously surprised. With that, I took this seriously, and told my mother to call as soon as possible. Here 's that number : XXXXShe did end up calling a few days later between XX/XX/XXXX and XX/XX/XXXX while I was at work. Now, keep in mind, my mom 's not a courageous person, and is easily intimidated. I suspect that the thought of a surprise court summons caught her off guard, and activated her flight response in dealing with this asap. Here 's where I believe where she 'd dug herself a hole. She owes money to Aspire Visa, a company I researched, and they apparently have their own issues with debt collection. Apparently, this debt 's been around since XX/XX/2001, according to my mom. His name was XXXX XXXX. They verified the last XXXX digits of her ss, and started at a high number for payment, around XXXX XXXX for her to pay off. They got lower in negotiation, we do n't have much in the form of income, so another debt/bill to pay only adds to the struggle. They took it down to around XXXX, and agreed on bi-weekly payments. She agreed, and gave them her debit card number. I was floored when I found out she did this. They sent her a contract to sign, which she did. Aspire Visa is the original creditor, though there 's no trace of it anymore, and XXXX XXXX XXXX ( a company that does n't even collect debt, I 'll get to that later ), was the debt collector. I contacted an attorney for a free initial consolation, l brought him up to speed on the details above, and the main thing that stuck out to him was the 'court case ', the woman also said she 'd put it on 'courtesy hold ' for my mother. This tipped him off, he recommended we stop making payments, so we did, we canceled the debit card my mother was using to make the payments, and here we are. They can not threaten a court case according to the FDCPA. Just today, XX/XX/XXXX, around XXXX, the same man my mother spoke to called. I did n't pick up, but I did listen to his message. He left a case number for the debt, stated my mother could still resolve this willingly and to call him back, but it was a 'timed matter '. He did n't give a deadline. The number was also different, XXXX. I researched this number, too, and found it to be linked to XXXX XXXX XXXX, apparently another debt collection company XXXX XXXX works with. I researched both companies, and found that they are not debt collection companies, not the official ones I could find registered in theXXXX. This is all up-to-date, and I do expect more calls from this person regarding my mother.
01/27/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TN 38002	Web
At the end of XXXX, 2016 I purchased a XXXX and signed up for the promotional financing of 12 months same as cash through Fortiva XXXX XXXX. I was looking at my statement today and it stated " Deferred Interest Charge Calculation '' and showed a timeframe of 6 months. I called customer service and they indicated I had signed up for the 6 months same as cash. I told them that the promotion XXXX was running at that time and still today was 12 months same as cash. The customer service rep stated she was sorry but that was not what I signed up for. She indicated someone would contact me within 10 days. I looked on the website again today XXXX XXXX and all over it states 12 months same as cash in nice big letters. The only thing I found referencing 6 months was in small print at the bottom ( copied below ). If the offer is either 6 months or 12 months same as cash, it should be stated somewhere besides the small print at the bottom of the page and really, this does n't say the offer is for 6 months, it just states " within XXXX or 12 months as applicable. '' I would assume 6 months is not applicable for this offer since nowhere else does it state 6 months same as cash. *subject to credit approval. Deferred interest means that if you fail to pay your purchase in full within the promotional period, then the interest accrued on such purchases From the date of purchase through the end of the promotional period will be added to your account. To avoid paying the deferred interest charges, you must ( a ) pay the Promotional purchase in full within XXXX or 12 months, as applicable and ( b ) make all required minimum monthly payments on time. Making only required minimum monthly payments will not Pay off your promotional purchase before the end of the XXXX or 12 months, as applicable promotional period. See credit agreement for full terms and conditions. Fortiva XXXX Credit lines of credit are issued by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, Member FDIC. If you do not pay off your purchase within the allotted timeframe, you must pay back the entire purchase plus interest from the beginning. I understood this but felt 12 months was a reasonable timeframe and calculated that if I made a {$250.00} payment each month I would have it paid out. {$500.00} a month however, it is not reasonable for me and had I understood this was only for 6 months I would have utilize a card I already had with a lower interest rate, as this XXXX is 26.9 % if applied to the balance. It seems to me this is a bait and switch tactic ; advertise for 12 months and then only provide for 6 months. If the consumer does not notice, they will have to pay the interest on the entire balance and will probably give up fighting so as not to mess up their credit report. Again, NO WHERE does the XXXX site indicate the possibility of XXXX promotions ( 6 months or 12 months ).
11/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL XXXXX	Web
I OBTAINED THE aSPIRE CREDIT CARD AND HAVE AT ALL TIMES ACTED PURSUANT TO THE TERMS AND AGREEMENTS SET FORT I NTHE MASTER AGREEMENT GOVERNING THE CREDIT CARD ALL WHILE DOING SO I ATTEMTED TO USE MY CREDIT CARD TO RENT A VEHICLE FOR XXXX ALL OF WHICH WAS AVAILABLE IN MY ACCOUNT I WAS BEING DECLINED FOR NO REASON AFTER ATTEMPTING TO MAKE THE PURCHASE SEVERAL TIMES ONLINE. I CALLED ASPIRE CREDIT CARD CUSTOMER SERVICE AND THEY ASSURED ME THAT THE MONEY WAS AVAILABLE AND DID NOT KNOW Y THE CAR RENTAL TRANSACTION WAS BEING DECLINED. THIS HAPPENED FOR OVER FOUR HOURS AND OVER 10 ATTEMPTS ALTHOUGH ASPIRE STATED THEY DID NOT KNOW ABOUT THE DECLINES AFTER INVESTIGATION IT TURNED OUT THAT AN ASPIRE EMPLOYEE WAS ILLEGALLY MONITORING MY ACCOUNT AND MANUALLY DENYING MY CAR RENTAL TRANSACTION WITHOUT CAUSE OR PROVOCATION ASPIRE EMPLOYEES LIED TO ME FOR FOUR OR MORE HOURS STATING THEY HAD NO IDEA ABOUT THE UNLAWFUL DECLINE. I FOUND THAT ATTHE SAME TIME XXXX WAS STATING THAT THEY KNEW NOTHING ABOUT THE DENIALS ASPIRE EMPLOYEES WERE DELIBERATELY CAUSING MY CARD TO BE DECLINED WHEN CONFRONTED WITH THE TRUTH THEY ADMMITTED LYING AND TOLD ME THE CREDIT CARD COULD BE USED AND I NEEDED TO FIND ANOTHER COMPANY TO RENT MY CAR FROM I VEHEMATELY PROTESTED THSI ASPIRE WORKER TELLING ME I COULD NOT USE MY CREDIT CARD AND RENT FROM THE COMPANY THAT DID ACCEPT XXXX. I WAS HUNG UP ON AND INTENTIONALLY CAUSED TO BE EMOTINALLY DESTRESED AND MY PURCHASE WAS BEING DECLINED ON PURPASE WITH THE FUNDS AVAILABLE BY ASPIRE WORKERS AN AT THAT IS INCONSISTENT WITH THE TERMS AND CONDIDITONS THAT GOVERN THIS MASTER CARD I WAS TOLD POINT BLANK BY THE ASPIRE EMPLOYEE THAT HE PREFEREED I USE ANTHER CAR RENTAL COMPANY. THE CAR WAS FOR WORK AS A RESULT OF NOT BEING ABLE TO LEAGALLY RENT THE CAR I WAS CAUSED NOT TO BE ABLE TO WORK AND LOSS OVER {$1500.00} IN INCOME AT THE TIME OF THE RENTAL I HAD MORE THAN ENUF FUNDS TO COVER THE {$110.00} RENTAL CAR COST THE CAR RENTAL VIOLATED NO RULES OF REGULATION OF THE XXXX AGGREEMENT AND THE ASPIRE WORKER ILLEGALLY TOOK OVER MY CREDIT CARD AND ACTED AS IF IT WAS HIS OWN ATTEMPTING TO COERCE ME INTO USING ANOTHER CAR RENTAL COMPANY WHEN I DIDNT BLOCKING AND DECLINING MY TRANSACTION TO GET THE RENTAL CAR OF MY CHOICE THIS ACTION CAUSED ME NOT TO BE ABLE TO ATTEND EMPLOYME NT THAT REQUIRED THE VEHICLE IN WHICH I WAS LAWFULLY RENTING WITH MY CREDIT CARD FROM ASPIRE I ASKED TAHT THE WHOLE CONVERSTION AND CALLS BE RECORDED AND NOT DESTROYED BY ASPIRE I AM REQUESTING THAT ASPIRE CREDIT CARD WORKER ACTIONS OF DECLINING MY TRANSACTION AND ATTEMPTIN TO FORCE ME TO USE ANOTHER CAR RENTAL COMPANY BE FOUND IN VIOLATION OF THE MASTER CARD AGREEMENT THAT ASPIRE CREIDT CARD BE REQUIRED TO PAY ME ALL LOST INCOME LOST DURING THE TIME OF THE RENTAL WAS ATTEMPTED XXXX XXXX LAST 4 SSN LAST 4 CARD NUMBER XXXX XXXX XXXX
03/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 77459	Web
On XXXX my certified return receipt was stamped for the address XXXX XXXX XXXX XXXX, MO, XXXX that my documents ( XXXX, written instructions, POA, optional form XXXX, form XXXX and an endorsed remittance coupon ) were sent " attention to '' the CEO XXXX XXXX and XXXX XXXX XXXX. The documents were sent to this address because researching directly for Aspire CEO/CFO or legal department I came back with nothing. However on their website it states that the Aspire Credit Card is issued by The XXXX XXXX XXXX, XXXX XXXX, MO so I sent the documents to the head of that company and trademark. They received my documents and never applied the credits to my account as instructed. On XX/XX/XXXX I sent another correspondence certified mail, and this time i sent it to the address on my bill however as I check my tracking number they are returning my payment back to sender. Not only have my account not been credited accurately I am disputing that Aspire closed my credit card account after I spoke with someone an told them I had already sent a payment. For the simple fact that Aspire has not honored my written instructions, I am now publicly making it known of the billing error and lack of General disclosures from this company. As this is a formal instruction in accordance with 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 U.S.C. 44 to resolve this billing error, the documentary evidence, which includes books of account in accordance with 15 U.S.C. 44, must be provided to clarify this amount. The creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S.Code 1666 ( e ). I, the affiant, hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13d ( 1 ). Fact, I, the affiant am aware, ASPIRE, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. Fact, I, the affiant am aware, that, in accordance with 16 C.F.R. 433.3 ASPIRE is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the affiant, may invoke her rights as the debtor in this consumer credit contract against ASPIRE for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3.
10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 610XX	Web
Aspire credit card has reported my XX/XX/2022 as late on both XXXX and XXXX. I spoke to an Aspire agent on or around XXXX and advised the agent that they wrongly reported my card payment late for XX/XX/2022, to both XXXX and XXXX XXXX He did research and agreed that this was an accidental error on Aspire end. He said he would note the account about this error and would try to get it corrected. I advised the agent that I would be also disputing this error with XXXX and XXXX. Which I did dispute this error on or about XXXX XXXX updated my report to XXXX being current on or about XXXX. XXXX updated my report to being current and ontime for XXXX on or about XXXX. My credit report for both XXXX and XXXX updated to XXXX being paid on time and my XXXX XXXX reflected the correction. Assuming this error by Aspire Credit Card had been corrected I was happy. Then on or about XXXX, I get an email from XXXX saying the Dispute is complete. Thinking nothing of this, and that the issue was rectified given the update on XXXX I did not research this at that time. Then on or about XXXX I get an email from XXXX saying the dispute is complete, again thinking nothing of this I did not research it at the time. On or about XXXX I checked my Credit report and saw a major drop in my XXXX XXXX on both XXXX and XXXX. Admittedly I freaked and immediately researched the cause of this drop. My XXXX Aspire payment had reverted back to XXXX days late and XXXX was a missed payment by them. So on or about XXXX I filed a dispute with both XXXX and XXXX in regards to this error once again. XXXX completed the second dispute one day later on XXXX and now shows the XXXX payment as missed and 60 days late. Even worse now XXXX completed the second dispute on XXXX, and still shows the XXXX payment as missed and XXXX days late. I immediately called Aspire on XXXX at XXXX XXXX XXXX XXXX the call was approximately 13 minutes. and explained the situation. I was placed on hold for a period of time and The agent once again confirmed there was an error on their end and to quote the agent sent to the back end for correction my issue with this is the agent was very vague when I asked if this was from the previous call or this call.. The agent really didn't specify, I asked for an email confirming and stating this and the agents reply was it will take 60 days to correct this on the back end, then you'll get an email ( whatever that means ) Feeling as though, I couldn't just take this aspire agents word I asked for the agents name ( the agent said her name was XXXX but then spelled it XXXX ) I asked for an employee number and the Aspire Agent Said her number was XXXX. I really dont have much confidence that I was even given an accurate name or Aspire Employee Number.
11/24/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NY XXXXX	Web
On XX/XX/19 I received a pre-approved credit card offer in the mail from Aspire Mastercard ( Acceptance Code : XXXX ). I completed the acceptance application online the same date, but when I saw that this company charges over {$200.00} per year in in annual and maintenance fees, I immediately called Aspire minutes after completing the application on XX/XX/19 ( XXXX ), spoke to XXXX XXXX ( ID # XXXX ) and requested that my application be cancelled. XXXX XXXX informed me that she processed the cancellation of my application, that it would not affect my credit, and that I had to call Customer Service ( XXXX ) after XX/XX/19 to confirm the cancellation on their end. On XX/XX/19 @ XXXX EST, I called Aspire Customer Service XXXX spoke to XXXX , who staetd that she did not see where the application had been cancelled. XXXX put me hold several times, initially stated that the account would be closed, then when I asked why would this be processed as a closed account when I requested that my application be cancelled on the very same day, and an account was never opened, she placed me on hold several times, and gave conflicting information on whether the application would be cancelled. XXXX stated that she was submitting a " request '' and that I would receive a letter in the mail in 7-10 business days. When I asked about this application not having a negative report on my credit, such as a cancelled credit card, she said that she would put in a request that would take 60-90 days, but it was not guaranteed. There was a clear language barrier with XXXX, when I asked where she was located she initially lied and said XXXX, Ga, then said they were located off-shore, and did not have access to transfer me to someone in the United States. I asked to speak to a Supervisor, spoke to XXXX ( ID # XXXX XXXX, who stated that he will request to stop creation of account, and to disregard application, and will send special request not to send negative report to credit bureaus. He agreed that I was correct that the account has not yet been created. XXXX also stated that he could not guarantee that any of this will happened. When I asked if he could escalate this request, he said that account is automatically created within 2 business days, but he could not guarantee that he would contact the proper department to stop the account from being cancelled tomorrow, Monday, XX/XX/19, prior to it being created on Tuesday, XX/XX/19. XXXX, a supervisor, stated that he does not have authority to escalate issues. I also asked that he contact his manager to intervene and have application cancelled. I do not want this company to be able to place a negative report of a closed credit card account on my credit report as I never had an open account with them.
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34787	Web	Servicemember
XXXX misrepresented the cost of its equipment, and is using its relationship with Fortiva to get the benefit of a credit provider ( i.e. file reports with the credit bureaus ), while avoiding scrutiny of its fraudulent actions. XXXX claims that it is only a provider of home security, and has nothing to do with Credit Reports. But, for all practical purposes, Fortiva is an arm of XXXX. Once XXXX sends an account to collections, all bets are off. XXXX will only communicate with customers who continue to XXXX payments on fraudulently obtained accounts. On XX/XX/XXXX I agreed to installation of XXXX security equipment in my small home, and monitoring thereof. On its own initiative, XXXX referred the transaction to Fortiva for financing. I later discovered that XXXX drastically overcharged me ( {$3400.00} for a home security bundle ). While the Purchase and Service Agreement, and Schedule of Equipment and Services show {$3400.00} due, because I had existing equipment from a prior home security service, the Schedule of Equipment and Services also shows the total number of pre-installation equipment was XXXX, and the total post-installation equipment number was XXXX. Based upon the email with the price list that I received on XX/XX/XXXX from XXXX XXXX, Legal Assistant - XXXX XXXX XXXX XXXX XXXX, XXXX North XXXX West, XXXX, UT XXXX ( XXXX ), the actual total cost for the equipment that XXXX installed in my home is {$1600.00}. XXXX charged me for equipment that was already installed in my home by the prior home security service provider. She had no explanation for why I was required to pay more than twice the amount for the equipment that XXXX actually installed. Nonetheless, she told me that this dispute was between me and Fortiva alone. In a XX/XX/XXXX email, Fortiva told me to contact XXXX and advise the store to initiate a refund request if you find a discrepancy in your transaction amount. Fortiva explained that Fortiva is " only a financing option for XXXX XXXX XXXX. '' Fortiva advised me to contact XXXX for specifics regarding merchandise. I am filing this complaint against XXXX and Fortiva because my account was sent to collections, and a major derogatory note was added to my credit report. Fortiva refuses to remove it unless I pay Fortiva the claimed amount that Fortiva allegedly paid to Vivint on my behalf. XXXX ceased to provide monitoring services and refuses to further communicate with me, other than to tell me that the account is in collections, and only Fortiva can provide relief after an account is sent to collections. XXXX intentionally sent my account to collections to avoid dealing with me, and place me in this never ending loop of finger pointing, while my credit is being destroyed.
05/31/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	NY 10009	Web
I am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXXFORTIVA and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a W2 tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXX, NY where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called Fortiva to report the fraudulent account. I spoke with a representative in the Fortiva Fraud Department, XXXX, who advised that the account was opened using the XXXXXXXX XXXX XXXX XXXXXXXX address. I had not been living at this address for 2 years when this account was applied for and opened on XX/XX/XXXX. On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXX Precinct, XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On XX/XX/XXXX, I sent Fortiva a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. It has been 30 days since I sent Fortiva the letter of request for business records related to this fraudulent account and the only correspondence I have received is an Affidavit of Fraud form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to Fortiva, disputing the account with all three credit bureaus - XXXX, XXXX, and XXXX - filing a complaint with the XXXX, as well as the XXXX Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all three credit bureaus. This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that Fortiva, XXXX, XXXX, and XXXX absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account from my credit files.
07/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 34287	Web
I have a Fortiva credit card and I noticed that on XX/XX/XXXX and XX/XX/XXXX I was charge by XXXX {$180.00}. I didn't notice the charge until my XXXX statement and on XX/XX/XXXX I call Fortiva to complain about the charge on my cardthak I did not make. They explained to me the would send me a complaint form out asap and once they received that then they could move forward with my complaint. I asked is there anyway to go online to their site to make this happen faster and was told its only by regular mail. I had no choice but to wait for the mail to command since my complaint to Fortiva Credit Card Services they have sent me a new credit card because the old was tainted as they said and I have also received my XXXX statement. I decided to call Fortiva Card services on XX/XX/XXXX and ask where the complaint form was and the gentleman on the phone said I should have seen it and he is going to send me a new one asap for me to file my complaint. XX/XX/XXXX still No complaint form so I call Fortiva card services again and this time I ask for a manager and I was told mangers don't talk to people on phones. So I asked are you located in the Staes or over seas he says he is from XXXX and I asked again for a manager and he says again our managers Do Not talk to people I will get a supervisor so I agree but before transferring me he tells me the person I spoke to on the XXXX of XXXX can't mail you a 2nd complaint form you only get one by mail then he offers me to have a form emailed to me. I asked is this something that has always been available and he said yes email or regular mail and I asked why that wasn't offered when I asked on the XXXX and the XXXX of XXXX and he had no answer. I finally got the supervisor on the phone and asked is your office located in the states and she said No we are off shore so I asked again to be transferred to the states to speak to someone. She then said to me we Do Not transfer people to the Staes we can't. I have been trying to get this fraudulent charge off my card with Fortiva for 3 weeks now and I am NO further then I was on XX/XX/XXXX. This is getting very frustrating that they do NOTHING for their card holders. I just want my {$180.00} plus all interest charged to me back on my card and my credit card company Fortiva has done Nothing but lie to me and give me a run around. This scam that XXXX has going on is all over the internet with A LOT of people complaining to their credit card companies and they are getting results like paying back the persons card and dealing with getting the money back on their own not making their card holder wait " the proper way of doing things ''. Thank you for you time
03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49444	Web
Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 15 U.S. C 1681 section 602 a. States I have the right to privacy 15 U.S. C 1681 Section 604 a. Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR. My rights have been violated several times over and I keep reporting this over and over and have been reported to this agency previously and to the third party by mail stating no such double payment shall be issued. By statute I am due relief and remedy the same as XXXX XXXX XXXX has already been issued via 1099-A by the treasury. Again no malice is being issued, only frustration peaceable.
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 337XX	Web
Fortiva Credit Card, a division of XXXX XXXX XXXX XXXX, reported that I was 30-days past due. On or about XX/XX/2022, the undersigned cardholder contacted Fortiva 's Customer Service department to inform them that they had inaccurately reported information to the national credit bureaus. The undersigned spoke with a Customer Service Manager who agreed that their information was inaccurate, and requested the national credit reporting agencies remove all negative information from the undersigned 's personal credit report. On or about XX/XX/2022, the undersigned reviewed his credit score. The undersigned 's credit score had fallen by XXXX points as a result of incorrect information that XXXX XXXX XXXX had reported, which resulted in the undersigned 's credit score rising to XXXX. In accordance with the recorded conversation with a Fortiva manager who stated that she had sent a request to the credit bureaus to correct all negative information reported by Fortiva. Today, despite their contractual agreement to correct ALL negative information while the undersigned remained on the phone. Fortiva 's Customer Service Supervisor ( who reports to the Customer Service manager ) refused to correct the negative information that appears in two ( 2 ) fields of the undersigned 's personal credit report. One of the two fields was corrected, but the Customer Service supervisor refused to correct the 2nd incorrect field that was reported to the national credit reporting agencies ( CRA ), however, today, XX/XX/2022, Fortiva reported, or failed to correct, all of the information the disputed items during the XX/XX/2022, agreement. The Customer Service manager refused to listen to the undersigned because the undersigned had stated that he is an XXXX, and that the dispute between the parties had been resolved on XX/XX/2022, and that if Fortiva would not correct the negative information pursuant to the XX/XX/XXXX agreement, he would file an administrative complaint to Fortiva 's federal regulator and/or file a lawsuit against Fortiva for breaching its agreement and its knowing violation of the FCRA by reporting information that Fortiva had agreed to remove, which resulted in a denial of opening a new credit card. The undersigned had applied for a credit card yesterday, and was denied solely because of the undersigned 's credit score. Because the undersigned had reviewed his credit score on XX/XX/2022, his request for credit was denied because of the lower credit score caused by Fortiva 's breach of contract, discussed above. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX
11/21/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MI 48085	Web	Older American
It was XXXX of this year 2019, that I accepted a pre approved offer sent by mail to me by Fortiva Credit. My offer was for a credit line of up to {$1000.00}, which is what they lent me minus a {$170.00} Annual Fee. My actual resulting line of credit was {$820.00}. On XX/XX/XXXX, I made my first payment, the minimum of {$25.00}. They didn't post it until XX/XX/XXXX so they charged me a {$25.00} late fee. Now I had a new minimum payment of {$100.00} due XX/XX/XXXX, which I made. It was on or around XX/XX/XXXX that I called to discuss changing the due date, since I get paid social security on the XXXX Wednesday of the month. I believe they know as well. The due date of the XXXX was just before my payday. I was told my account had to be " current '', and then at that time I could put in a request, though not a guarantee, and it could take several months. When I received my social security check, I made a minimum payment of {$52.00} on XX/XX/XXXX so I was charged another {$39.00} which showed up on my due date of XXXX XXXX statement. Now my minimum payment is up to {$180.00}. I could not afford that high of a payment that month. On XXXX XXXX, again after I received my paycheck, I made a {$300.00} payment. It was the weekend so Fortiva didn't post it until XXXX XXXX.The minimum on my XXXX XXXX due date statement was {$270.00}. They charged me a late fee of {$39.00} as well. On XX/XX/XXXX, I made another {$120.00} payment and Fortiva charged me another {$39.00} late fee. On or around XXXX XXXX, Fortiva closed my account because I " ..failed to honor the terms of your account agreement. '' I did not receive any type of text or email, which Fortiva had used on numerous occasions. Instead, I received a letter, standard US postal mail around XX/XX/XXXX, a copy of which I have attached, along with the envelope with no date on it. Only within the first 3 months, I was told by XXXX XXXX, can the {$170.00} Annual Fee be PRORATED and partially refunded. This card was not a " rebuild your credit '' opportunity. This is predatory lending or loan sharking in my opinion. I have made {$590.00} in payments on a credit line of {$820.00}. I have been charged {$410.00} in FEES, {$190.00} in interest totaling {$600.00} in a closed account within 6 months. And, I still owe OVER what I borrowed {$860.00}. And, then I went to make my XXXX payment, they wouldn't take my credit card! Debit only. That is a first from my experience. This company has never failed to disappoint. Their purpose and design is to take advantage of people they know are at a disadvantage, and ruin their credit more.
03/22/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	LA 701XX	Web
I was shopping for an elliptical and a co-worker told me about the offer on XXXX. XXXX was offering 12 months defer interest with payments as low as {$32.00} financing through FORTIVA RETAIL CREDIT LINE. I noticed that XXXX was also offering 12 months defer interest with financing through FORTIVA RETAIL CREDIT LINE. I decided to make my purchase through XXXX and applied for the financing. I was approved for a {$3000.00} credit line. I made my purchase on XX/XX/2017. My co-worker made her purchase for a treadmill a week before XXXX, XX/XX/XXXX. On XX/XX/2017 my co-worker noticed she was being charged interest and called Fortiva. They stated she was late making a payment and therefor forfeited the deferred interest option. She stated she never received a bill and just received her treadmill a couple of weeks ago. She hung up and called Fortiva back in hopes to speak with another customer service rep. The second rep told her they do not offer defer interest on credit cards. She went back and forth for some time to no avail. I was a little concerned, I was next to her while she made the phone calls, so I went to the FORTIVA website and created my profile and reviewed my account. Even though it was 15 days from the date of purchase, I was due a payment of {$60.00}. On XX/XX/2017 I made the first payment. A week later I received the actual statement. My payment due was {$60.00} and not the {$32.00} as stated on XXXX when I applied. I also noticed that I was being charged interest of 29.99 %. I contacted Fortiva Retail Credit and was told by their customer service rep that Fortiva Retail Credit line does not offer any defer interest deals and I applied for a credit card. I explained to the customer service rep that I applied online through the XXXX website and was approved for 12 months defer interest financing for exercise equipment not a credit card. The rep had no idea what I was talking about and stated that he would have someone in management research my account and call me back. No one has contacted me. After a few weeks I went to the FORTIVA RETAIL CREDIT LINE website and clicked on " contact us ''. The only option is to email them through the website itself. I emailed FORTIVA and still have n't received a call back or an email. The issue is still unresolved. Recently I went back on the XXXX website and the XXXX website, both of these website still as of today, Wednesday, XX/XX/2017, offer the same financing deal through FORTIVA RETAIL CREDIT LINE. The very same 12 months defer interest option that FROTIVA claims that they do not offer.
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19606	Web
In XXXX, I was preparing to make final payment towards the balance I had on my Fortiva Account that had a remaining balance of {$290.00} that was due XX/XX/XXXX. I have attached payment text reminder from bank. I called the end of XXXX to schedule for funds to be withdrawn on due date. Noticed I received a text reminder XX/XX/XXXX for payment that should have already been processed so I called bank to verify payment. Per rep, check was on file and could not be processed as " funds were not available. Confirmed with rep funds were always there and that should have been processed. Attached bank statement for proof. Rep said she could not process payment again as acct was frozen and on hold due to payment rejection. Spoke to management and was reassured no reports would be sent to credit bureau as it was protocol to put acct on hold. They could not take payment until hold was removed and was advised to call back for payment. I voiced frustration as I had to keep communicating with them for this final payment. Told them I just wanted to be done with payments and not have to worry about outstanding balances. Called again XX/XX/XXXX for final payment and successfully payed with XXXX over the phone for the amount of {$360.00} which included late fees. Attached bank statement with payment. Check cleared XX/XX/XXXX and thought all headaches were over. Unfortunetly, on XX/XX/XXXX I noticed that my credit score dropped by over XXXX points because Fortiva Bank closed my account without my permission and also reported late payment. I reached out to them to request for my acct .to be reviewed/disputed and advised them I never requested for account to be closed but instead to pay it off completely to be done with the unfortunate back and forth. I provided the info to a supervisor however rep was trying to justify the companys actions. He did not reflect my experience and my attentiveness and was quite rude with what I was trying to express. I was told I would be notified and called with details after review. When I wasnt contacted, I took it upon myself to dispute with all credit bureas and XXXX XXXX. I noticed it was reviewed and they were able to fix the errors and update my new credit score. Then in XXXX, they reported again that I closed acct that rep stated in XXXX would fix and reopen and also reported this late payment again. I have attached the details. My credit went down again over XXXX points and now I find myself in the same position. I don't know what else to do to fix this error and I hope someone can resolve this matter.
06/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 20852	Web
Subject : Complaint against Fortiva Retail Credit for Harassment and Unfair Practices Dear XXXX XXXX I am writing to bring a serious matter to your attention regarding the harassing tactics and unfair practices employed by Fortiva Retail Credit . I kindly request your assistance in resolving this issue and putting an end to their unacceptable behavior. On XX/XX/2023, I made a purchase at XXXX 's using a Fortiva account that was opened by a representative from XXXX 's. The item I purchased amounted to {$42.00}, which I promptly paid off before the due date. However, a few weeks later, I received a call from a Fortiva representative claiming that I owed membership fees and late fees. I was taken aback by this information, as XXXX 's had not informed me about any membership fees associated with the account. Nevertheless, I agreed to pay the membership fees but requested that the late fees be waived. The Fortiva representative assured me that the late fees would be waived, and I made the payment online as agreed, three days later. I believed the matter had been resolved satisfactorily, but to my dismay, I continued to receive subsequent bills indicating additional late fees. When I contacted Fortiva to rectify the issue, another representative informed me that the late fees could not be waived because I had not called a representative to make the payment. I explained to them that the previous representative had failed to provide me with this information, and I should not be held responsible for their inadequate communication. Despite my explanations, Fortiva continues to add more late fees to the membership fees that I have already paid. I am seeking your assistance in resolving this matter promptly. I find it grossly unfair that Fortiva is abusing its power and attempting to coerce me into paying additional sums of money when the original amount owed was paid on time. According to Fortiva 's own rules, no interest should be applicable when the full amount is paid within 12 months. Therefore, their ongoing imposition of late fees on the already paid membership fees is highly unjust. I kindly request that you investigate this issue and take appropriate action against Fortiva Retail Credit to rectify their unfair practices. I believe it is crucial to hold companies accountable for their actions, ensuring consumer protection and safeguarding the rights of individuals like myself. Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this dispute. Yours sincerely, XXXX XXXX
06/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MI 48227	Web
Hello, XX/XX/XXXX : I secured a line of credit with Fortiva for cosmetic treatments ( www.myfortiva.com ). I was told if I paid in full by XX/XX/XXXX, there would be no interest or fees. I proceeded based on that promise. XX/XX/XXXX : I paid the account in full for {$4100.00} & received a confirmation of the payment via email. XX/XX/XXXX : I received a text that my payment was late, a {$30.00} fee was assessed. Confused, I logged in online to discover my payment was rejected. First I checked with my bank ( XXXX ), they said none of my payments had been returned & confirmed adequate funds available to cover the expense. Second, I used the chat feature to find out what was wrong ( chat history attached ). First they said the payment didn't go through. Then it was fraud. They couldn't help via chat & gave me a number to call to speak with a specialist. I called, XXXX, twice & got no answer & left a message. XX/XX/XXXX : I received an email. Basically saying they suspected fraud ( on a bill I'm trying to pay mind you ). I needed to wait 10 days for a suspension to be removed ( meaning I can't pay the bill ). XX/XX/XXXX : I received another statement showing additional fees. I called again & was given the run around about 10 days to wait. XX/XX/XXXX : I called again, insisted on speaking with supervisors. I was " disconnected '' twice, told the suspension would be removed, I could pay partial but not all, on & on, finally told a supervisor would call me back. I did try making the partial payment & was still given an error message as the suspension is still active, even after verification of my identity & ability to us the debit card on the same account. I have NEVER once received a call back I was NEVER notified of suspected fraud causing issues with my payment. If they can text & email every notification, then why is it they never notified me of the rejected payment? THEY are the ones who are fraudulent & predatory by intentionally creating barriers to payment in order to charge bogus fees. I'm happy to pay my legitimate balance owed of {$4100.00}. I'm asking to do so with all fees & interest removed ( {$130.00} now ) & any negative credit reporting is expunged. No one at the company seems to be able to speak with me to resolve this as I keep getting bounced around or told to wait ( for what Im still not sure as Ive provided proof of my identity ). Meanwhile they continue to add fees to my account while they ignore my desire to pay off the debt. Thank you for the help & for warning others.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10027	Web
after being informed XXXX/FORTIVA XXXX is furnishing a tradeline on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. XXXX/FORTIVA XXXX has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means, which is not lawfully my account. I have reason to believe XXXX/FORTIVA XXXX had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX. The furnishing of this false tradeline violates the FCRA. Any account resulting from aggravated identity theft it to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. If has been more than 3 months and the information is still on my credit file. In fact after notifying XXXXFORTIVA XXXX they notated my account as " Transferred to another lender Purchased by another lender '' so instead of complying with the law they have chosen to sell the fraudulent debt to a debt collection agency to cause more harm to my financial reputation. Their blatant repudiation and noncompliance with the law is disgraceful and is a blatant example of a pattern of racketeering activity in attempts to fund their corrupt organization. XXXXFORTIVA XXXX is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an fraudulent extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028a and violation of the XXXX act 18 USC 894. I am demanding XXXXFORTIVA XXXX to provide me with the consumer credit contract bearing my signature, and their errors and omissions insurance information. XXXX/FORTIVA XXXX is also to provide documentary evidence such as the books of account or any evidence as described under 15 USC 44 that this is in fact a legitimate debt owed to them by me XXXX XXXX. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics.
06/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 27406	Web	Older American
I got a new Credit card in the mail in XX/XX/XXXX. I went to my personal bank, tried to get a cash advance and was told that the card was declined. So I withdrew the funds from my personal bank account. In XXXX, XXXX, I received my first statement from my new credit card, and the FIRST TRANSACTION on XX/XX/XXXX, was a CASH ADVANCE. My FIRST STATEMENT also included an important message that my ACCOUNT IS PAST DUE, however, this is my FIRST statement. I was charged a LATE PAYMENT FEE, CASH ADVANCE FEE, & I have a previous balance, but AGAIN, this is my first statement. I am also being charged an interest for the cash advance. I called Fortiva bank card, & I tried to explain the problems with charges I didn't authorize, and the cash advance that I was told was declined. After my daughter called 3 times for me, I was sent a letter on XX/XX/XXXX, about the unauthorized charges in XX/XX/XXXX. We sent that into Fortiva, no word yet. On each of my statements that have actually been sent, I am still paying cash advance interest charges. I have paid {$990.00} on this card since having received it in XXXX of XXXX. Every time I make a payment, around XXXX goes to my balance, the rest just pays fees associated with my account. I am XXXX years old, and I am on social security. Only one or two times have I paid the minimum payment. If all I am going to pay is fees, I might as well not pay anything, because this card will never be paid off. I have cut the card up and disposed of it. Fortiva keeps telling me that I am late on my payments, however they don't even send me statements to show me how much I owe. My daughter set the account up online, so she could see what is going on with it. In XXXX, the first statement has a due date of XXXX XXXX. I received the card in XXXX of XXXX. My agreement with them states that they will send me statements by mail, and they have not done so. I can only pay my bills with checks as I am not computer savy as my children are. For the 2020 year, there are only three statements listed, XXXX, XXXX, and XX/XX/XXXX. In XXXX 's statement it shows I am over the limit {$120.00}, and I haven't even used the card. It shows I have a past due balance of {$150.00}, and I have been sending them {$100.00} a month. They have charged me {$12.00} maintenance fee, and a {$40.00} past due fee, but the last statement I received before XXXX, XXXX, was XX/XX/XXXX statement. I am still also paying a finance charge for a cash advance that was declined in XX/XX/XXXX, and it has been 15 months ago.
12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33461	Web	Servicemember
A technician approached our home at XXXX XXXX XXXX XXXX XXXX XXXX. He introduced himself to XXXX XXXX at the time who was my significant other. He sold the alarm system to XXXX, upon arriving home from work, it was stated I would just need to confirm on video that I was accepting to the terms and agreement, at which time I asked what they were. The representative said, oh, this is for the equipment for the cameras installment loan they do a credit check nothing appears on your credit at all. Within 3 days of the installation of the cameras we cancelled.- I would need to verify this date for you. They came back out with technician changed a camera in our systemn ( front living room door area ) wanted us to try it and following that they gave us 30 cancel guarantee Prior to 30 days we cancelled the service and were told we could not. Then a technician came to our home and stated our area was not serviceable. On XX/XX/XXXX @ XXXX XXXX-placed a call to their customer service and no one responded or called back after leaving a message XX/XX/XXXX XXXX XXXXXXXX XXXX closed and the call hung up on me Called their corporate location XXXX number listed and spoke to XXXX whom said their was no manager who could help me and then I asked for a number to their corporate office that handles complaints and he said there was none XX/XX/XXXX XXXX called requesting payment of {$250.00}. I told the rep I do bot even have the service therefore I am not paying for it and what would this take to resolve this as they are negatively affecting my credit. I was told it would take {$1700.00} to buy out the equipment which is the remaining of the buyout fees at 50 % The account for Fortiva is a fraudulent company. Originally it was AN INSTALLMENT LOAN AND to be a soft credit check and now they have reported this to my credit as a charge card maxed out in full. Now its a charge off. This is a significant issue and violates the Federal Credit consumer laws. They have falsely misrepresented themselves and I have never received their services nor utilized them. Numerous attempts have been made to the company no one will call you back, in addition made an online complaint and was not contacted back. Tried to get management and upper management involved, would not provide me any of that information. Please note read the complaints on the web- company has been sued for fraud! The credit companies will not assist me and this needs to be removed immediately or I am getting a lawyer. PLEASE ASSIST
07/07/2022	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	CA 95841	Web
On two occurrences, I was reported late to the credit bureaus for missing a payment. Once in XX/XX/XXXX and in XX/XX/XXXX. I was never informed via phone, email, or mail correspondence that a payment was due or missed. I even logged into Fortiva 's portal to make a payment in XXXX and it showed that there was no balance due which I assumed I had just made an overpayment as I have done in the past. I have a history of making my payments to Fortiva on time. I was notified of the payment by credit reporting alerts not by Fortiva themselves. I immediately contacted Fortiva via their chat option and was told that my issue would be escalated to a supervisor for a callback in regards to the discrepancy in XXXX business day and I never heard back. I then contacted Fortiva again via chat on XX/XX/XXXX again and received the worst customer service that I have ever received in my life. I explained to the representative that the payment did not show due in their portal and that I did not receive any communication from Fortiva regarding this payment and explained how this inaccuracy is preventing me from buying a home for me and my children and the representative gave no empathy or showed any desire to even try to help. She at one point denied reporting a late payment to the credit bureaus and even stated that nothing has been reported to the credit bureaus on my account since XX/XX/XXXX. I asked for supervisors, chat transcripts, and names of departments that I would be escalated to just to receive refusals to answer. I had to ask numerous times for the agent to look further into it because I was looking at my credit report and showing that that was true. She then gave false hope and acknowledged that they would try to help, got my hopes up that this would finally be rectified, just to come back, killing my hopes and refusing to provide no answers. This interaction and experience with Fortiva have caused me a great deal of XXXX and XXXX. I had to screenshot the chat after being denied a transcript of any of the chats I had with them being told by the representative that " we do not have that option ''. I asked for my issue to be escalated again just for the agent to agree, I then asked what department would my issue be escalated to just to get the response " Unfortunately, we do not have that option. '' again! There is much more that was said during my interactions with Fortiva that I could not believe as I have spent well over an XXXX in communication with them.
01/12/2023	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	WA 98177	Web
While making a purchase at XXXX XXXX, I was talked into signing up for a card in order to get a discount ( even though I was planning on paying directly ). With many people in line behind me, the signup went fast and the information given kept to minimum. After that I never received information about the card from XXXX. I never received a card, never knew the account number and never knew the card number or that an entity named Fortiva was in charge of it. Some time after I tried to pay by calling XXXX several times and even going there in person. Every time I was told they had no account associated to my name or SSN. Several times I tried to comb my email ( junk and inbox ) and the XXXX website, looking for ways to make a payment. All these attempts failed and I couldn't figure out how to pay. I tried combing through the XXXX websites as the XXXX site mentioned their cards were handled by XXXX. All in vain. After months of frustration and stress over this, I accidentally found text messages in my " Unknown senders '' folder, it alleged to be from a company named Fortiva, and mentioned a " XXXX '' account. It looked like a scam, but since it said XXXX I eventually decided to look up that link, though concerned it could be a phishing attempt or a virus nest. The webpage had several bugs ( one of my red flags for scammers ), and was very simplistic, asking for payment information but without the usual options. I found it to look very suspicious and was worried to submit payment information through it. I then called XXXX asking if they knew anything about Fortiva, they didn't. Having no other recourse, I kept calling the only trusted party, XXXX, asking about Fortiva. Eventually, an XXXX agent knew of Fortiva and explained they provide services for one of the XXXX card ; she reassured me that Fortiva would have my account information and gave me their phone number. I noticed the number matched the one on the suspicious text messages so I called them. I explained the situation, offered to pay in full and requested for late fees to be lifted, given the situation. They initially refused and eventually committed to lift a couple of them ; by then there were several late fees. It seems like a scam to me, they fail to provide proper payment information ( no letters, no emails ), only suspicious text messages and payment page that doesn't instill confidence. I imagine I'm not the only one falling for this and I feel that they need to correct these business practices.
08/22/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	VT 054XX	Web
At some point in XX/XX/XXXX, I called my credit card company, Fortiva, and reported suspected fraudulent activity on my account. After two hours had passed by, I realized that I had made the charge and it wasn't fraudulent. I called Fortiva to tell them this two hours after I had called the first time and they told me that it was too late to take the claim back and that I would have to wait seven to fourteen business days for the replacement card. I understood and actually appreciated the security reasons behind that. Fourteen business days passed and I never received the replacement card. I again applied for a replacement card online and selected the rush delivery option that would cost me {$25.00}, but I am in need of the card so I was willing to pay the fee. I ended up calling the company again anyway and I was told that they don't offer rush delivery, and I would have to wait up to fourteen business days for a new card. I expressed my dismay and I waited again. Fourteen business days have passed again, and I still do not have my replacement card. Frustrated and upset, I called MasterCard to report what was happening, and they weren't of much help either. I called Fortiva and reported to them that I was making this complaint to Consumer Finance Protection Bureau and here I am. I was told just five minutes ago that I would again have to wait up to fourteen business days, and I asked, considering the circumstances, if I could have the card rush delivered. I was told I would have to pay {$25.00} and I agreed to that. I feel like I should not have to bear the cost of the rushed card, as this long and unnecessary waiting period is their fault. I have never been late on a payment, my balance is virtually XXXX, and I have been making payments the whole time I have been without my card. I am in between jobs and I am waiting to start at my new job on the XX/XX/XXXX, and I need access to my line of credit now! The company is aware of this. I am reaching out because I am convinced that I will not receive a replacement card again. Something has to be done about this. I am a good cardholder and I don't deserve this horrible experience. I just want my card ASAP and I don't want to pay any special fees for it being rushed to me considering the circumstances. I ordered a new card originally in XXXX, and it is almost XXXX. Fortiva tried to tell me that my original request for a new card was some time in XXXX, but that is false. I have no reason to lie about any of this.
08/30/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	LA XXXXX	Web
Fortiva Account # XXXX Dear Who ever this concerns, On XX/XX/XXXX I Disputed Fortiva Account # XXXX through the CFPB portal case # XXXX, because I thought this account should report as an installment loan instead of a revolving account. I was incorrect and Fortiva VERIFIED this account 100 % and mailed me the original contract that explains it would be an revolving credit card account. However, XXXX decided to REMOVE this entire account from my credit report although Fortiva has VERIFIED this account and without my request. No other credit bureau has done such a thing. I have reached out to XXXX multiple times and Fortiva multiple times and the account is still not reporting to my XXXX file. I have paid this account and would appreciate if it could reflect my payment history greatly on my XXXX file. Equifax claims it's an issue with Fortiva, Fortiva claims it's an issue with XXXX. I AM FED UP WITH THE IGNORANCE! I DEMAND THIS TO BE FIX WITHIN THE NEXT 30 DAYS! I NO LONGER WANT TO BE THE MIDDLE MAN BETWEEN THIS ERROR, I DEMAND FORTIVA AND XXXX CONTACT EACH OTHER DIRECTLY! FORTIVA RESPONSE : CFPB Case number # XXXX. Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your Fortiva Retail Credit account. Your correspondence expressed concern that you would like for your Fortiva Retail Credit account to be reported as an installment loan rather than a revolving line of credit. Our records indicate that on XX/XX/XXXX you opened a Fortiva Retail Credit account to finance a purchase in the amount of {$2400.00} with Vivint Smart Home. The Fortiva Retail Credit account is a revolving line of credit that can be used to make additional purchases with XXXX and accordingly is reported as such with the credit bureaus. Please note that prior to accepting the offer of credit you were presented with the terms of the account, including the credit limit and the cardholder agreement, which discloses that this account is a revolving line of credit. Please note that you may pay more than your required minimum payment at any time to reduce the outstanding balance that is reported to the credit bureaus. We hope this explanation addresses your concerns. Thank you for being a valued Fortiva Retail Credit customer. Sincerely, XXXX XXXX On behalf of Fortiva Retail Credit* XXXX XXXX XXXX XXXX is the creditor of the Fortiva Retail Credit account.
04/18/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 95355	Web	Servicemember
On XXXX .17 I ag reed to a purchase in the total amount of {$2500.00} from XXXX XXXX . I also took advantage of their advertised 12 mo same as cash promotion. Late XXXX /early XXXX I received a call from someone who identified themselves as being a collector from Fortiva Retail Credit. I informed the caller that this was my initial contact with Fortiva and that I had never heard of them. The caller told me I need to pay approx. {$300.00} immediately to bring my account current or a delinquency would be reported on my credit report and that the 12 months same as cash offer from XXXX XXXX was no longer an option due to my being late with my initial payment. I was told the total amount of my account was now over {$2800.00}. They also told me they accept only payments directly from my checking account and I would need to use my bank debit card. I again informed 'collections ' that I had never heard of them and asked that they at least send me some verification of who they are and their connection to XXXX XXXX . I was told I would receive my documentation in the mail within a week. On XXXX .17 I rece ived my initial piece of mail from the company with an account # and balance, address, payment information, etc. I immediately called Fortiva offering to bring my account current but only if they would honor the origi nal 12 mo sac agreement which they refused to do. I then offered to pay the original amount in full immediately but they insisted I owed them over {$300.00} in finance charges + late fees and could not do anything about derogatory remarks on my credit. I have since spoken with their collection department several times, not including the many calls from them prior to having received my initial statement, but they insist on payment of all interest and fees. They can not allow me to discuss the matter with customer service until the account is paid to date bringing it out of collections. I have no recourse but to pay their fees or have my credit ruined apparently. I did an online search of Fortiva and many reviews state the company engages in this activity as a matter of practice. I want to note that XXXX XXXX was given my current address, phone # and email information. They delivered the initial purchase to me by truck approximate ly 2 we eks after my purchase, sent follow up emails, called me during the purchase process and nothing has changed.
02/15/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WI 54311	Web
In XXXX, my husband and I took out a line of credit with Fortiva Retail Credit through XXXX XXXX in XXXX XXXX, WI. We purchased furniture on the line of credit and were advised an annual fee of {$49.00} would be charged if we didn't cancel the financing after the purchase was paid off. We opted to keep it open just in case we wanted to finance additional purchases, but never used it. In XXXX, we received a bill for the expected {$49.00}. The terms indicate I could pay a minimum of {$30.00} and pay off the balance in XXXX months, but if I was late I could be charged up to {$41.00} in late fees. I mistakenly wrote the due date down wrong and did not pay it on XX/XX/XXXX as required. On XX/XX/XXXX I received a text message indicating the payment was late and a link to make the payment. When I went to the site, it didn't tell me the balance, only offered to pay via check or debit card. The charge was actually {$60.00}, not {$49.00} and there was no itemization. I assumed this meant my late fee was a reasonable {$11.00} and the balance was paid. This was because they took {$60.00}. Please Note : If Fortiva was taking the full late fee plus minimum payment, the charge would have been {$71.00} ; if they were taking the full balance plus the full late fee, the charge would have been {$90.00}. This morning, I received a call from Fortiva claiming I owed {$20.00} and could settle the full balance by phone. I explained this can not be correct because in no scenario would my balance be {$20.00}. It should be {$0.00}, but even if the {$60.00} had been the minimum payment of {$30.00} ( not paying in full as I thought ), that would have left me with a balance of {$19.00}, not {$20.00}. I proceeded to tell the man to cancel my line of credit. After the call I produced written requests to cancel to be sent to the correspondence and corporate offices. During the day I received two ( 2 ) more emails asking for a payment of {$60.00} and a payment of {$30.00}. I have emailed the cancellation letter to Fortiva and informed them of my assertion that they are violating FDCPA regulations and to discontinue the collection attempts, as well as sending me proof the account was cancelled. Please contact me at ( XXXX ) XXXX or XXXX It is worth noting that I work in a law firm and have practiced consumer law for several years. I do not expect inequitable relief.
09/29/2023	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	NC XXXXX	Web
Fortiva Credit Card owned by XXXX XXXX XXXX XXXX but controlled by a third party. XXXX XXXX XXXX XXXX may not know of the illegal/ predatory lending practices that the third party is committing, or maybe they do know and don't care. Fortiva is more like all the other credit cards owned by XXXX XXXX XXXX XXXX. They target low income/ and consumers with low credit scores. Banks like XXXX XXXX XXXX get rich off the poor/low income consumers, They take advantage of the low income. Companies like this one, break the law in every State they do Business with. They mislead, false advertisement. They get you approved for one of there cards, make promises and once your approved they change the terms and conditions without consent. In my case, they violated the truth in lending Act. Promised me certain terms and conditions and changed those once I applied and was approved. Charging monthly fees, yearly fees, not posting the payments when they're made in order to made extra money from interest. I have paid a total of {$640.00} since I've had this credit card, and my balance never goes down, enough since I don't use it. Each month those show my balance above the {$700.00} credit limit, after making payments, my balance finally comes just {$10.00} below the limit balance {$690.00} the next month when my bill is due, my balance shows above the credit limit. Credit Card companies like Fortiva is no different than payday loans that charge upwards of 500 %. Make your min payment of {$60.00} and not use it, only to find your next months balance still only {$10.00} below the credit limit. This Business main objection is to get rich, while making sure the CEO gets rich while robbing the poor and less fortune. It is very sad. They're also violation the NC Consumer Protection Act here in North Carolina. If CFPB doesn't do anything to stop these fraudsters from ripping off the low income consumers of this Country, than the only other thing I know to do is have my Attorney XXXX to file a lawsuit, possibly a class-action after we contact other consumers with the same or similar issues. When it comes to class-actions, we do have a work around the so-called arbitration cause to pursue a class action. These fraudsters are also violating my rights under the FCRA but more so my rights under the NCFCRA which entitles me to damages.
11/07/2020	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 48185	Web
I want to make a formal compliant again Fortiva. I made a purchase of a mattress from XXXX XXXX XXXX store on XX/XX/XXXX and scheduled for delivery on XX/XX/XXXX. I was sold on using this finance company because they offered 6 months of no interest. From the day the bed was delivered I have had issues. XXXX XXXX have resolved their issue and Fortiva has not as of yet. First I received an text message saying that I qualified for their match pay program. It says fortiva would match every dollar I paid. I called to in to pay off the balance. As I spoke to the rep, he informed me that I did not qualify for the program. I advised that I was contact via text and told that I was. He apologized and reaffirmed his stance. Then I argued that they should honor it because they contact me unsolicited and offered me this program. I was then offered a discount of 40 % for my troubles. So I accepted it. While in conversation I discovered that from the time the bed had been delivered I have been charged interest. This discover was realized after they quoted me 40 % off of $ XXXX. I advised that I was not supposed to have interest per my agreement. I have reached out to them multiple times to have the interest removed. I advised them that I was interested in paying in full but they had to remove the interest. I was advised they could not do that I had to go the XXXX XXXX. I went back to the furniture store when they reopened after Covid and was informed that though they see that I am interest free for the first six months in their system, they could not assist me because they no longer dealt with the account once the sale was complete. I have been going in circles regarding this issue. I am now extremely frustrated that I am now in collections and this is affecting my score. I am still looking to honor my agreement and pay off the balance. However, I am looking to pay it off at the rate of 40 % off that was offered. But It needs to be 40 % off the original price without the interest and fees that were added. Also to have this collections account completely expunged from my credit report seeing as this was reported fraudulently because I was never billed the correct amount. Even after months of trying to get issue resolved. I am reaching out to you now for assistance seeing as I have gotten nowhere over the past few months.
07/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	TX 77469	Web
Dear Consumer Financial Protection Bureau, I am writing this formal complaint to bring to your attention a distressing incident involving the unauthorized opening of a credit card account in my name. The purpose of this complaint is to seek your immediate intervention and assistance in resolving this matter, which has adversely affected my credit score. On XXXX, XXXX, XXXX, I discovered that a credit card account was established in my name with Fortiva Credit Card, without any form of authorization from me. I immediately reached out to the credit card company and was given the runaround. The Fortiva rep acknowledged they had not received my consent but refused to delete the credit card and remove the unauthorized credit card from my credit report. I must emphasize that I had no prior knowledge of, nor did I provide any consent for, the creation of this credit card account. Initially, I had a loan ( line of {$4000.00} ) with Fortiva, NOT a credit card. After making faithful payments on time, Fortiva decided to illegally issue me a credit card without my consent. This unauthorized action has negatively impacted my credit score, as the card is recorded as a new account with no credit history ( despite making payments for 1.5 years ) and a new low credit limit of {$2000.00}, thereby negatively impacting my credit utilization on the account. I believe that the unauthorized opening of a credit card account in my name constitutes a serious violation of consumer rights and the Fair Credit Reporting Act ( FCRA ). As a responsible and law-abiding consumer, I have diligently managed my credit and maintained a positive credit history. The unauthorized account created in my name has blemished my financial reputation through no fault of my own, and this issue must be rectified promptly. I trust that the Consumer Financial Protection Bureau will take my complaint seriously and act diligently to protect consumers like me from such unscrupulous practices. I request that you keep me informed about the progress of the investigation and resolution of this matter. Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assurances that appropriate measures will be taken to prevent similar incidents in the future. Additionally, I've filed a fraud complaint with XXXX.
01/22/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 178XX	Web
I had an issue with this company beginning in XX/XX/XXXX. I used my card to purchase something online. I then received a bill with an unauthorized charge on it. I called the company and disputed the charge. They stated that they would have to issue a new card. I got the new card and then used it in XXXX to reserve a hotel. I immediately realized on my next statement that there were yet again unauthorized charges on my card. So I called and disputed them, they once again stated they would have to issue a new card. I at that point fearing for my protection as far as my identity and credit was concerned. Told them not to send a new card that I wanted to close the account. The man agreed and said that he would process my request. I have continued to make my monthly payments as I always have. I usually make them online. When my XXXX statement came out I made my payment on XX/XX/XXXX using the online forum. As I have many times. My payment was for {$58.00} which was more than my minimum due of {$44.00}. I received online confirmation and the site stated that my payment was received and processed. ( I have attached this statement ) I then received my bill statement that reflected XXXX with a due date of XX/XX/XXXX. Everything looked fine the previous payment was reflected and there was no late payment or issues reported. ( I have attached this statement ). Then yesterday XX/XX/XXXX. I received a letter stating that I had not made my payment in on XX/XX/XXXX and that I was past due in the amount of {$86.00}. And to send this payment immediately to avoid revocation of my credit card privileges. ( I have attached this letter. ) This account was closed by me. Which would stand to question how they intend to revoke my privileges. I immediately went online and checked my account and it showed that I made the payment before mentioned. Then below stated that it was reversed. I was not reversed by me. I then used the over the phone method and immediately paid the {$86.00} stated in the letter. that I have attached here. I feel that this company is internally screwing with peoples accounts and allowing these issues to happen to charge extra fees and harass their customers. I never had a problem with my payments showing up when I made them or not being applied until after I requested my account be closed.
11/14/2022	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	OH 452XX	Web
On XX/XX/22, I visited the XXXX XXXX furniture store on XXXX XXXX. in XXXX, OH. Upon entering the store, I was told that they had two financing options were available, a three month zero interest financing plan available to everyone and a 12 month zero interest option available to well qualified customers. After filling out the financing application in the store, I was told by the store representative that I qualified for a {$2000.00} credit line at the well qualified buyer rate of 12 month zero interest financing though Fortiva Retail Credit. At the point, I decided to purchase a living room furniture set costing {$1300.00} using the offered 12 month zero interest credit line. On XX/XX/22, after making a number of on-time monthly payments, I looked at my credit statement for Fortiva, and was surprised at how much was still left to pay off. After further investigation, I discovered that I was being charged 29.99 % interest from the time of purchase! I immediately called the Fortiva Customer Service line and was told that no type of promotion was found in my file. I was then directed to call the store, XXXX XXXX, to have them apply the financing promotion, and that I would be credited back the unfairly applied interest once this was done. On the morning XX/XX/22, I called XXXX XXXX. After going through the issue with the store manager, I was told that the promotion is something Fortiva handles and the store has no involvement. After making several more back and forth phone calls, I was ultimately told by the XXXX XXXX corporate office that they were aware of this misleading promotion, but there was ultimately nothing they could do. I feel completely taken advantage of by both XXXX XXXX and Fortiva Credit! I made this purchase under complete false pretenses, and had I known that I would be charged 29.99 % interest immediately, I would have either paid for everything upfront or sought other financing options at another store. I paid off the full balance today to prevent incurring further interest, however I absolutely feel that I should be refunded the two months of unfair interest that I unknowingly incurred as well as the {$79.00} application fee! This is an absolute scam and I want to ensure that other customers are not egregiously taken advantage of in the same manner I was!
03/29/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 48221	Web
ACCOUNT NAME/ XXXX XXXX CREDIT CARD/ XXXX Mastercard It's ridiculous any company employees would keep a customer on the phone so long they become ill. I've never in all of my years dealt with any company that penalize customers for paying off a credit card. This credit card company called XXXX does just that penalize you for paying your card off not only that they'll hold your payment when you pay with a debit card. Clearly this credit card company XXXX would rather customers stay in debt and keep a balance instead of paying their balance off each month. Once this complaint is over and it may take a hit on my credit score but i'll surely be closing this account. OnXX/XX/2019 i made a payment for {$460.00} to my credit card. I made the payment well before XXXX XXXX CST/XXXX XXXX EST so my payment should've posted at midnight yet it didn't. When i called in on XX/XX/2019 to see why my payment had not posted. I was then told by a representative name XXXX it would be on hold for 3 days. I asked him why and he continued to put the phone down when i asked. He provoked me to the point yes i became irate and asked for a supervisor. I sat on hold for 20 minutes because XXXX LIED and said i dod n't ask for one when i did. He finally got a supervisor who's name was XXXX as well. I asked this XXXX why my payment didn't post and he told me because i paid more than 50 % of my credit limit which my credit limit is {$700.00}. Then he tells me it didn't post but it will in 4 business days which this information IS NOT on their website, it's not in their terms and conditions, nor is it anywhere on their app that they will with-hold your payment if you pay too much or if you pay 50 % of your credit Limit. This makes no sense and the only time i've known for a company to with-hold a payment is when you pay by check NOT by debit card which are suppose to automatically post. Then the supervisor stated my payment didn't post because i haven't had my account opened long. This is very deceptive to customers to not have this anywhere the customers can read it or see it. I've included 2 screenshots. One shows the text message stating my payment had posted. The other screenshot shows the time frame for a payment to post which DOES NOT state if you pay too much they'll with-hold your payments.
04/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	AR 72758	Web
Recently, my credit card company, Aspire, reached out to inform me about a new monthly fee that was to be added to my account. In order to make an educated, responsible decision regarding whether or not it made sense to keep my account open in light of the new fees, I requested a copy of my current cardholder agreement to compare to the new agreement that was proposed. When I requested a copy of the current agreement on XXXX, I was told the following by Aspire on XXXX : " Our records indicate that your account maintenance fee was recently updated and as per the new credit card terms and conditions and your monthly maintenance fee will be increased from {$0.00} to {$5.00} effective from XX/XX/2023. Hence, we are unable to provide your previous card holder agreement. '' I asked the following on XXXX : " Why am I unable to receive documentation regarding my original card agreement, especially considering that the change in maintenance fee is not yet effective? '' To which Aspire simply said ( XXXX ) : " Unfortunately, we are unable to send your Cardholder Agreement. You can find the information on Generic Cardholder Agreement. Please be advised that, Generic Cardholder agreement will be available by clicking on the support tab from Aspire Account Center. '' I then sent the following to Aspire on XXXX : " Can you please explain to me why you can't send me a copy of my current, active cardholder agreement? From ConsumerFinance.gov : 'Under federal law, your credit card issuer is required to provide a copy of your agreement upon request. ' It succinctly states that the requirement is that a copy of my cardholder agreement is to be provided, not a generic overview. '' After I sent this response, Aspire, despite previously replying in 1-2 business days throughout our earlier correspondence, ceased all communications. I believe that they are purposefully ignoring my updated request in order to stall out until the new cardholder agreement takes effect. I believe they are doing this as to skate around fulfilling their requirements as described by federal law. Through these actions, Aspire has shown a lack of willingness to provide consumers with the information needed to make responsible financial decisions regarding the use of the credit options offered by this company.
11/13/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 44121	Web
I applied for an Aspire Credit Card, which was promoted as having no annual or monthly fee. After about 12 months of use of the card, Aspire apparently changed its fee structure and started charging me a $ XXXX fee, which I did not notice until today. I carried a balance on the card until paying it off in full earlier this fall, so did not notice the extra $ XXXX in charges. Aspire invited me several times to sign up for XXXX of statements and notices, but I prefer paper notices, so I never opted-in to XXXX Despite this, XXXX apparently never notified me in writing of its new fee structure. I asked when they mailed me notice of the new fee, and they told me I was sent an " email notice '' in early 2023, But if such an email was sent, I never saw it. I recieve hundreds of emails a day, so if such an email was sent, I did not see it. As such, I have apparently been charged $ XXXX for at least XXXX months, without notice to me or my consent to such charges. I would like to be refunded for any of these charges that were placed on my card. In a phone call with customer service, I was told that the $ XXXX maintenance fee is " automatically added '' after the card account is open for a year. I do not recall any disclosure of this escalating fee structure. When I called to cancel my account, the first XXXX customer service representatives told me that a request to cancel my account would take " 45 days '' or " XXXX business days '' to process, and that the $ XXXX fee would be deducted during that time. Only after I identified myself as an attorney did the customer service rep ( the XXXX one I spoke with ) agree to cancel my account more quickly, and to remove the existing {$10.00} balance ( XXXX monthly maintenance fees ). This undisclosed increase in fees and XXXX cancellation period seems extremely sneaky to me, and since XXXXspire markets itself as a " credit recovery '' credit card, I suspect Aspire is deliberately taking advantage of unwary consumers. I signed up for the Aspire card because I recently exited a personal bankruptcy, and Aspire was the only " XXXX XXXX XXXX credit card that did not charge monthly or annual fees. Secretly charging a monthly fee added after XXXX XXXX feels like a bait and switch deliberatly structured to mislead consumers.
12/23/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 915XX	Web	Older American
On XX/XX/XXXX a purchase was made on my Aspire MasterCard for {$860.00} from XXXX. I reported the unauthorized purchase on XX/XX/XXXX. They cancelled the account and sent me a new card and emailed me a fraudulent charge affidavit on XX/XX/XXXX. I returned the completed affidavit on XX/XX/XXXX with all information including that I was still in possession of my card and that I had had it throughout the month. On XX/XX/XXXX they let me know they had reversed the charge and were continuing with the investigation. In XXXX the charge was put back on my account. I called on XX/XX/XXXX and was told that XXXX supplied information saying the charge was made by me. I asked if the company could send me the information that supposedly came from me and reiterated that it wasn't me. The service rep told me they'd resubmit the claim for evaluation. She asked if I had any other information I could send and I answered " I don't have any other information since I had nothing to do with the charge or knowledge of the company. '' In XXXX, I realized the charge was still showing on my account. After a little phone tag, on XX/XX/XXXX I reached a rep who ( I think ) then transfered me to the XXXX department. She said the merchant form shows they had my name, email, ID and phone number which is why they overturned the case. I asked to be sent the merchant information. She told me I had to call the office that actually does the investigations and gave me a number. I called the number several times and always got a voicemail asking me to leave anumber and they'd call back the next day. I left a few messages and received no call back. On XX/XX/XXXX I left a message and someone called back on XX/XX/XXXX. But then they said they couldn't see the full information so I should call directly to investigation ( where I though I had left the message on XX/XX/XXXX ). After hanging up, I realized the number I had just been given was the same number I had called multiple times before. I went ahead and called it again and left a message but have not heard back. So I've seemingly never been able to reach the people actually in charge of the investigation and have not received any documentation from Aspire or XXXX of how the charge was received and why it was approved.
09/08/2020	No	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	NE 681XX	Web	Servicemember
I applied for a Fortiva credit card back in XXXX. I received a credit line of {$3000.00} and charged XXXX for a purchase. I then went in and set up auto pay. Every time they try to debit my account, they reverse it the same day, according to their website. Then I start getting phone calls from collections. The first time this happened I thought it was a fluke thing so I paid {$60.00} directly from my checking account. This is the same account I used for auto pay and I have over {$5000.00} in my savings. I did have money in my checking but if they were to tell me that is why it was reversed, I have my account set up to debit my savings. If you need proof of this I can provide it. This happened again when my XXXX payment were to come out. I get a text message they they are debiting my account per my auto pay instructions. Then at some point, on their site it says the same day, it gets reversed. When I called they said it wasn't the same day it was several days later. Regardless I don't know why this is happening. And I do not receive a text or email that the payment had failed either. I called them on XX/XX/20 at XXXX. It sent me straight to collections. When they answered they could not look at any details on my account until I paid my {$60.00} in full. I told them as a consumer I want to know what is going on with my account because this is starting to feel like a scam. They refused to give me any information. I asked for customer service. They said I was unable to reach customer service since my account was overdue. So they could provide me with zero information until they were to get a payment. I'm happy to pay my bill, my credit is good and I don't have any past due payments. But as a consumer, I demanded more information before I made a payment. She refused and would not give me a supervisor either. She said she had to submit a request for me to get to a supervisor. My complaint is that they are not able to provide me information with why this is happening but expect me to keep making payments. Will they start charging fees? I'm still having to pay interest on the amount. Will this be reported and will my credit go down? I don't know but I will certainly close my account when it is paid. This seems like fraudulent activity to me.
01/05/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 32301	Web
To whom it may concern, I am a consumer who opened this account to extend my credit with FORTIVA in good faith. I had this account placed on auto pay from the time it was opened up until FORTIVA deceptively charged me a late fee and refused to provide any help or remedy besides taking the payment and applying it to the balance on the account. FORTIVA has since then been continuing to violate my consumer rights and has harassed me calling me all times of the day with over 20 phone calls in the month of XX/XX/XXXX alone causing me severe emotional distress. I just received a call from a FORTIVA representative at XXXX on XX/XX/XXXX and when I asked if they would not call me so late, he rudely stated is it not XXXX for you? Regardless of what time their company hours are, I explained to him that was severely inconvenient as I was putting both my toddler and infant to bed and have to wake up extremely early to get them ready. The very next day on XX/XX/XXXX I received another call from FORTIVA at XXXX which blatantly shows the lack of respect for consumer rights. Pursuant to the Fair Debt Collection Practices debt collectors are prohibited from placing repeated or continuous telephone calls to you or having telephone conversations with you with the intent to annoy, abuse, or harass you. Placing a telephone call includes telephone calls that the debt collector makes and that go into voicemail. Debt collectors are also prohibited from calling more than 7 times in a seven day time period. FORTIVA called a total of 8 times in a 7 day period from XX/XX/XXXX, XXXX XX/XX/XXXX including calling multiple times in one day less than an hour apart and I have a record of each time FORTIVA has called and a record of the XXXX second call that lasted on XX/XX/XXXX and the call I received the very next day at an even later time. I offered to pay the bill with the removed late fee when FORTIVA called me initially before the payments began to add up and FORTIVA refused that payment and only wanted the full payment with the incorrect late fee charge. FORTIVA has since suspended my credit card and has violated my right to privacy by reporting negatively on my consumer report resulting in defamation of character and tarnishing my credit reputation.
11/11/2017	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33018	Web
I opened credit account with XXXX XXXX on XX/XX/XXXX. The agreement was to pay the balance of {$2000.00} with at least a minimum of {$110.00} a month. Logged in to their online portal to make the payment, used my debit card at the time to make the first monthly payment on XX/XX/XXXX of {$110.00}. The online portal accepted my payment and it was deducted directly from my personal checking account. I have copies of my bank statements to prove this. I noticed that although the money was withdrawn from my account, the balance owed on the account remained the same. I called the company and they said to give it time to clear and it can take up to 3 days to clear. Waited for the 3 days, again same response. The following month, made the payment on XX/XX/XXXX and XX/XX/XXXX for the same amounts of {$110.00}. My thought process was since it was a larger amount being paid off that the company would act faster. Made no difference, called about the payments not being reflected in the balance, they said that it takes time to clear to check back in a few days. The following month, tried one last time and it went through. But they were unable to account for the other three payments made and did not reimburse or apply it to balance even after it was deducted from my checking account. Since I did not continue to pay as they would not credit account for other three payments, they sent my account into collections. Now two years later, I am in the process of cleaning up my accounts and have disputed this twice with all three credit bureaus, with proof of bank statements where credit card companies can verify my personal data and XXXX XXXX keeps claiming that the account is being reported correctly. Their last " confirmed '' payment date on file is on XX/XX/XXXX. They sent dates to the credit bureaus showing monthly balances, but have only shown dates within the last year and not the dates where the bank statement shows I made the payments. I need help clarifying this matter and updating my account to reflect the correct balance. As a consumer making responsible on-time payments, I was treated unfairly and am offended that I have not been helped with this matter despite reaching out several times to avoid being in this situation.
07/21/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AZ 85254	Web
Since opening the Aspire credit card several non-requested user transactions have occurred : An authorized user card was added to my account without request - I was charged a {$25.00} service fee - The additional party added has their own, unused Aspire account - When this person was added I was requesting actual cards to be sent due to many months of never receiving the cards An automatic withdrawal for the entire balance was set up in XX/XX/XXXX on a knowingly closed account remaining in my account history - I was charged a {$25.00} reversal fee - When this transaction was manipulated, I previously set up a replacement acct - A {$200.00} payment was also " refunded '', with no identifying traceable information - The {$200.00} payment was made prior to the auto pay being forced onto the account - There is no designation for " primary '' payment account These insider manipulations concerning my account are running up the otal owed on the account. I am not being allowed to make regular, affordable payments. Excessive, illegal and unauthorized access and changes within my account setup and payments are causing exacerbated injury to my credit, banking relationships and time consumption by creating unavoidable debt! This is being done by adding fees through triangulation of my account by never having information available that I request to verify with the financial institutions I am currently doing business with or have done business with in the past. I am being hit with fees every month and larger balances when I try to pay my balances down, legally! It is clear from month-to-month that there was no account auto pay set up as my payments were made via direct payments in the web portal. Each payment was returned. When I brought this information to XXXX 's attention, XXXX, the supervisor on today 's call ( XX/XX/XXXX ) at XXXX XXXX ( AZ ) attempted to delete information needed as proof to these aggressive tactics of financial manipulation of my account. She also stated that the {$25.00} fee for a closed bank account should be taken up with the bank! I hold no account there, therefor, XXXX bank would never charge {$25.00} for a XXXX XX/XX/XXXX transaction on an account that has been closed since XXXX XX/XX/XXXX!
08/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	OH 438XX	Web
In XXXX, I opened an account with Fortiva through XXXX to pay for a big ticket appliance. The terms of the account were satisfied in XXXX and I never used the card again. I received in the mail a credit card from Fortiva, with terms and conditions I never requested nor agreed to. I was notified of this through another lender of mine who advised of new accounts on my credit report. My credit score also had decreased. I contacted Fortiva on Monday 8/21/2023 to advise I never requested nor authorized a credit card to be issued in my name. The agent I spoke with XXXX, offered an apology and advised he would close my account. On XX/XX/XXXX I received an email stating that I was notified via email a few months back that I didn't opt out of the offer, and therefore they issued me a card. It appears I closed the account, however I take issue with this as I never gave express permission for an account to be opened. I understood that it was illegal for a company to open a credit card account without permission of an account holder. I request that Fortiva do what ever necessary to undo the actions they have taken and report that they opened a credit account in my name without my permission to all three credit reporting agencies. A financial institution should not be permitted to reserve the right to open accounts in a consumers name, just because that consumer previously did business with them! In my original terms with fortival, it was an installment-type of loan in excess of two thousand dollars, to cover the costs associated with the purchase of a kitchen appliance. The interest on that initial loan was high- XXXX XXXX. The interest on this credit card they opened without my permission is is XXXX XXXX. The credit limit issued was {$1000.00}. Fortiva claims this was an upgrade from my account through XXXX. How is this an upgrade? I have faced penalties and consequences from my authorized credit card companies who have since reduced my available credit by thousands of dollars citing that "... too many new credit accounts have been opened in my name. ". I am very disappointed in the actions by Fortiva in taking steps I did not authorize that led to a drop in my credit score and my available credit.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77388	Web
Unethical business practices - I opened an account with XXXX security. Rather than pay for the equipment upfront, I chose to finance with them. I had no choice but to go through Fortiva which financed equipment in that area of Texas. I did not want Fortiva because I had never heard of them. Then, I get a report from the credit bureaus that I had a new account opened. Further, that my credit score dropped over XXXX points. I call and find out that they converted my RETAIL ACCOUNT to a CREDIT CARD. I told them that I DID NOT APPROVE this. I was told they emailed me a notice that I had to " opt-out '' if I didn't want to convert. I NEVER received it. Further, I confirmed that they had the wrong email address. The account was setup with XXXX. XXXX had the correct email and had the correct email since I opened the account. So, someone with Fortiva keyed it in incorrectly. Therefore, I never received this notice to " opt-out ''. I asked them to convert my account back and remove that new account inquiry from the credit bureau, they refused. It is unethical to send an email like that. The appropriate thing to do would be to require an " OPT IN ''. They want to email you so they can have it go to spam and you miss it. They should have mailed a letter or called as well, NOT EMAIL! They have added their awful credit card to my credit history, and it has created a MAJOR PROBLEM WITH MY CREDIT AND CURRENT BANK. They still refuse to admit their business practices are deceptive and unethical. This is a second-rate, basement, bottom of the barrel firm, deceptive business practices, and they do NOT care about customers. In addition, I also issued them a cease-and-desist letter to stop all the harassing phone calls about the collection of payment now on this now credit card, that I never asked for. They have violated this request multiple times even after confirming receipt of the letter. they continue to call me every day and leave voicemails with an intent to harass me. This is a clear violation of FDCPA Regulations. Please assist with having this credit card reporting converted back and removed from my credit report. I would also like the FDCPA violation addressed as well.
01/05/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OH 45701	Web
I have 2 aspire credit cards. I had never been late or missed a payment since opening both accounts until late last year when I paid on the app at the same time I had done each month prior when one credit card showed a late fee. When I contacted the company they informed me I had made my payment to early and it was applied to the balance instead of being listed as a payment. I had made the payment through their app and when I did it said I had made a payment and my account was current. I then had to make several additional payments to catch that account up. At that time I requested they close that account so no more fishy things happen. I had no problems with the account I had left open until I went to make a payment on the app and this time with the other card when I tried to make a payment it said I was using a credit card and denied the payment. I was using a debit card so I tried it a few more times and then took a screenshot of what ot was saying. I then callled the company and made an automated over the phone payment using the same debit card and it went through without a hitch. I then contacted customer service to ask why my debit card had failed on the app only to be told it was declined because I didnt have enough money in my account which wasnt the case at all as I had already made the payment on the phone. I then said this wasnt the first time with the app problems and when the app problems occur it costs me money. The customer service of aspire likes to gaslight and blame the consumer. I explained to rep that I had taken screenshots of what had occurred and there seems to be a bug that costs money in the app. After a few go arounds of telling me that there is several reasons that the app might not take my debit card. ( this was after I had already used the same card via the phone ) I told him that I wanted to contact someone within the company to try and diagnose what was going on. Because o knew from my previous experience with this company that getting this escalated wasnt going to occur as they simply dont let you get above the supervisor that is online at the time. He gave me an email address which was XXXX which I sent and email to.
01/23/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77082	Web
Subject : Cease and Desist Communication and Removal of Unauthorized Account from Credit Report Dear TBOMXXXX/FORTIVA, I am writing to express my utmost concern and disappointment regarding your recent actions in relation to my account. I have discovered that you, as a debt collector, have accessed my non-personal information without my consent. This not only constitutes a serious breach of privacy but also raises the alarming possibility of identity fraud. I want to bring to your attention that I am not obligated to pay the debt you are pursuing, as I have already made the necessary payments. Your attempt to coerce me into making additional payments is not only unfounded but also an egregious violation of my rights as a consumer. Furthermore, I have noticed that TBOM/XXXX/FORTIVA has added an account to my credit report without my authorization. I would like to emphasize that even in the case of permissible purpose, the consent of the consumer is still required. I explicitly do not give my consent, and therefore, TBOM/XXXXFORTIVA should be immediately removed from my credit report to rectify this invasion of my privacy. In accordance with Texas-specific laws, including but not limited to the Texas Finance Code 392.202, I demand that you cease and desist all communication with me. Your unauthorized access to my personal information and the subsequent attempts to collect a debt I do not owe are clear violations of my rights. Moreover, your actions may also be in violation of federal laws, such as the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you provide documentation supporting your claim and explain the basis for the unauthorized entry on my credit report. Failure to comply with these demands within [ a reasonable time frame, e.g., 30 days ] will leave me with no choice but to pursue legal action against TBOM/XXXX/FORTIVA. I strongly advise you to rectify this situation promptly by ceasing all communication and removing any unauthorized entries from my credit report. I expect your immediate attention to this matter to avoid further legal action. Sincerely, XXXX XXXX
12/02/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	CO 80220	Web	Older American
I had an account with Fortiva, which is the company that I pay for my home security equipment. They opened a credit card in my name without my permission, saying they had sent me a notice on XX/XX/XXXX that I had 45 days to opt out of this credit card. I didn't receive this notice, but it's an extremely deceptive business practice! I searched through junk mail and my focused inbox and there was NOT an email from them. I called them and this was their explanation. I told them to cancel this card IMMEDIATELY, which they said they did. Because they opened this credit card ( without my knowledge ) my XXXX credit score went down. I told them to rectify this with the credit bureaus, but they refused. This is outrageous! I did file a dispute with the XXXX credit bureaus, but my score didn't increase. I have worked so hard for years to get my score past XXXX and this SCAM greatly affected my score. I contacted them on XX/XX/XXXX. Below is their response : ************************************************************************************************* Dear XXXX XXXX, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. We understand your concern. Our records indicate that your Fortiva XXXX XXXX XXXX XXXX account was upgraded to Fortiva XXXX XXXX account since your Fortiva retail account was in good standing. Please be advised that the change in terms email was sent to you on XX/XX/2023 and you had an opt-out option of 45 days if you had wished to reject these changes. Since the opt-out option was expired, your Fortiva retail account was systematically converted to Fortiva XXXX XXXX account and your previous balance was transferred as well. We appreciate and value your business. Please let us know if you have any further questions regarding your account. Thank you for contacting Fortiva Customer Service. Please note information you send to us contained within or attached to an email is not secure until it reaches our servers. ************************************************************************************************* THIS IS FRAUD!!!!! I believe I was targeted as a single, older female.
01/26/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WI 546XX	Web
I suddenly became unemployed. No income. I called the company advised them. Was at first nice a s helped push back due dates. I called XXXX to resolve the. Debt and was told my card was permanently closed. I looked threw ALL emails and fortivas website messages as well as paper m ail. Never did. I receive any correspondence saying if I didn't make a payment or bring the account current that they were going to close my account. I spoke to somebody on the XXXX XXXX XXXX and I said I want to see the Terms & Conditions that I sign. And he sent me a generic credit card. Terms and conditions. I called again today to see you. If we could come to a resolution where my car wouldn't be closed. I would pay the full balance and they said no. They were rude and I believe this company was a scam. Add this card for all about a year. Never missed a payment never was late. I believe when I was late. It was like do it midnight. And I think I made the payment. It like XXXX XXXX I asked to speak to somebody that can help me. We can come to a resolution and I would pay the balance off in full that day. I don't feel I was treated the way a company or anybody should treat other people. Hard ships happen to everybody. I didn't wan na be one of the people that. Oh, my credit cards close forget it. I won't pay it or the user credit card never paid that it was nevermind intention and they did not want to help in anyway at all again. I looked through all correspondence from this company when was never told if I don't make a payment by x amount date. Your card will be closed. This company is a scam. Add 3 other credit cards. And all three companies worked with me because of the hardship at the time. When I became unemployed because XXXX XXXX XXXX I called I spoke with somebody and they said. Don't worry, we'll work with you until you get back on your feet. They never called me back. So I assumed they put like the credit protection or pause on my account. Fill that I was able to get back on my feet and then bring the account current. I've tried to talk to several people at the company to come to a resolution. And they did not wan na work with me at all
07/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	NV 89052	Web
Fortiva Credit Card, I received a notice via email I assumed was spam. I didn't apply for a credit card, my credit file was locked with XXXX and XXXX. I received a notice from XXXX and XXXX that a new credit file was added to my account. I looked into my email with the name of the credit file, Fortiva. I did see in my spam messages that this company had noted my good payment history with XXXX, a company they previously did business with, and that from my good credit history they were awarding me the opportunity to open a new credit card with Fortiva. I didn't respond to the invitation. After reaching out to Fortiva, XXXX ( employee ID # XXXX ) on XXXX at XXXX PST, he let me know i was awarded this card due to my great credit history. I let them know I closed out my XXXX account last XXXX with payment in full to XXXX, asked them then to close my account. I was confirmed that was completed. XXXX stated that my lack of response to the email automatically enrolled me into the credit agreement. I did not sign any contract, paperwork, or verbally agree to anything with Fortiva. I didn't even open the email, i assumed this was spam. Fortiva stated 45 days from the original email, no response indicated my approval to their terms and they issued the credit from there. I didn't not agree with their assumption. I did not ask for credit nor did I give my permission to credit or any terms associated with their promotional offer. I called in and had to speak with 3 employees to get them to cancel the credit card they enrolled me in. I asked them to send me a copy of my response that initiated the credit card to be opened with my information, they said they could not send me that information. I asked for the terms where i signed anything agreeing to credit, they said my lack of response was approval for their terms. I don't agree. This must have happened to thousands of others who didn't respond to a random email from a company they weren't expecting any business dealings with. I did not give XXXX permission to pass along my information for any credit card opportunities with different affiliates in the future. I need my complaint filled here.
08/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 19382	Web
In XXXX of 2023 I received a text message from Fortiva Credit Card company that stated your payment is past due pls click on link and make your payment, or call us at.. I didnt recognize the name Fortiva XXXX company so called the number they provided. I spoke to a representative and explained that I dont have a Fortiva account. During our conversation we noticed that on my online application the address on the application was different then the address she had on file and different then the address the Credit card had been sent to. Application address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pa XXXX. Address CC was sent to XXXX on file was XXXX XXXX XXXX, XXXX, SC XXXX. That address DOES NOT EXIST. After ending conversation I never received an email phone call nothing. XX/XX/2023 received another text from Fortiva and called and explained again the same thing as I did in XX/XX/2023 and the address they had on file once again was different now it says XXXX Sc. Never lived there they said they sent me papers and they where sent back. Yea dont live there. This time conversation ended with fraud department to file dispute. Next day received email to call fraud department. Called them the guy said that on my depute papers I didnt put what charges I was disputing. I replied all of them I never received the card. Thats what I wrote on the papers. He replied I need dates, amount, and store names. I said idk bc I never got the card never received a bill never knew a card was sent. To be honest I said ok I guess I applied XXXX XXXX % chance I did XXXX just dont recall but I know I never got the card. He told me that card was activated from my number. Ok idk how bc the card was sent to SC I lived in Pa. It might have been activated from my number but was it from my phone. Bc someone with draws money from atm from my checking account using my pin doesnt mean they had my card. Its now on my Credit report effect my score. Was reported to credit report XX/XX/2023 same day i filed dispute for XXXX time. I told the rep I want to see them in court to resolve this bc they cost me a bad mark XXXX my score dropped. XXXX they will not resolve this.
11/18/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 30122	Web	Servicemember
On XX/XX/XXXX at approximately XXXX XXXX. I called Aspire Credit to report my card was stolen and that charges totaling {$330.00} was not authorized by me. I asked that the card be shut down. At XXXX. I filed a report with the police that my purse was stolen and obtained a case # I was told by a rep I needed to send in an Affidavit of fraud but it had to be mailed to me. I asked if it could be emailed, I was told no. On XX/XX/XXXX I got a notification that more charges were charged to the account. I called Aspire and the rep stated that I called in for a increase of credit? I advised I did not and that this account was reported stolen XX/XX/XXXX and I was waiting for the affidavit, why where there additional charges allowed on the acct? The rep did not have an answer, said that when I called on XX/XX/XXXX, that I was inquiring about balance?? Untrue. I found that {$220.00} was additionally charged to the card. I spoke to XXXX representative XXXX in the fraud dept. on XX/XX/XXXX. and asked about the affidavit and he said he could email it. I received it within minutes. I sent it back immediately. On XX/XX/XXXX I got notification of activity on the account and called in. The rep said the balance was XXXX. I advised that is impossible. They said I made a payment thru the IVR on XX/XX/XXXX for {$850.00} via check. I told them I did not make that payment. I asked why would I pay on charges I did not authorize? I then asked for a secret question be asked before giving out any info on this acct. XX/XX/XXXX the payment was reversed NSF and the rep told me that I am responsible that charge of {$29.00}??? I have since closed this card I have been checking on this account weekly and there has been no progress on the investigation and they never ask me the security question on my account. The balance is now over the limit. I have made a payment of {$120.00} XX/XX/XXXX on my portion of the account, which was {$500.00}. I feel that with everything that they asked of me and I have complied that enough time has passed to identify that I DID NOT make those charges and the account should be resolved with me only owing {$370.00}.
12/15/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MN 56201	Web
I received an email stating a fortiva card had been activated. Since I had not recieved or activated a card I was skeptical. I checked my account and no pending purchases or other information was present. When charges appeared I froze the card, contacted fortiva and the police. I filed a police report and began the horrible experience with the fortiva fraud department. My claim was denied and they started they had sent notifications of spending which they did not. I sent the claims to escalation and they denied it a second time stating the card had been used in a simular fashion to past spending. I tried and tried to speak with a manager and was refused on many occasions. When I spoke of filing a complaint a manager finally spoke to me after what must have been atleast 10 calls to fortiva fraud department and numerous hours spent on hold over weeks. I was asked to then provide fortiva with the police report. I live in XXXX and the theft occurred in Louisiana. An arrest has been made and fortivas fraud department still won't honor the claim holding me responsible for XXXX dollars in charges. Apparently fortiva sent a new card in the mail without any notification prior and it was stolen from the mail. I never received the card. I am across the country from where the crime took place and fortiva now wants me to go to Louisiana to get the police report and refuses to let me speak to a manager. They lied about sending notifications asking if it was me or not using the card. I know it's a lie because they said I viewed notifications and I never got any to view. They are calling me a liar and holding me responsible when an arrest has been made. They are forcing me to be a mediator between police departments and fraud departments from across the country. They are trying everything they can to get out of honoring my claim and adding insult to injury with their customer service. This is a horrible credit card company. I have 6 other cards and never had a problem with any of them. They refuse to make this right and I've gone above and beyond to help and provide information. This stress is causing me health problems.
02/24/2023	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	NY 10462	Web
I filed a complaint with the CFPB on XXXX concerning my Fortiva XXXX Card which is financing a furniture purchase I made from XXXX XXXX XXXX XXXX XXXX on XXXX. I stated in my original complaint that my minimum payment of {$120.00} that was due each month was too much and I could not afford it. Plus this minimum payment was not what I was told I would pay a month on my furniture purchase.The Sales Representative in XXXX XXXX XXXX XXXX XXXX did not give me an exact amount of what I would pay a month. The XXXX Representative just told me around {$65.00} to {$75.00} a month would be my minimum payment. I explained in my prior complaint to your institution that the Sales Representative lied to me and used deceptive sales practices on me when I made my furniture purchase from XXXX XXXX XXXXXXXX XXXX XXXX on XXXX. The Sales Representative even lied and stated that my XXXX XXXX XXXX Credit Card was closed and made me open this retail store credit card I now have with Fortiva. I explained in my prior complaint that I was willing to pay {$55.00} to {$65.00} a month as a minimum payment based off what my I paid a month on my XXXX XXXX XXXX XXXX XXXX XXXX that I still have with XXXX XXXX XXXX XXXX XXXX which is all paid up. I received a response back from Fortiva through the CFPB on XXXX on the behalf of XXXX XXXX from Fortiva XXXX Credt that my new miminum payment a month would be {$63.00} based off what I explained was done to me by the Sales Representative from XXXX XXXX XXXXXXXX XXXX XXXX. Now I am seeing that Fortiva is stating that my miminum payment is {$110.00} a month when I was told by XXXX that my new minimum payment would be {$63.00} a month in his response to my CFPB complaint. I can not pay {$110.00} a month as a minimum payment as I am struggling to pay my bills a month as well starting from the XXXX pandemic up to now.I paid {$64.00} on XXXX to cover the minimum monthly payment of {$63.00} that was stated by XXXX XXXX that I would have to pay a month. However Fortiva is still stating I owe {$48.00} for this month as a minimum payment when I check my account online. I do not owe {$48.00} to Fortiva.
03/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	FL 337XX	Web
Company : Fortiva Retail Credit -Reviewed acct on XX/XX/XXXX, noticed promo option called XXXX XXXX. -Had deadline according to website for XX/XX/XXXX, so for approx. {$750.00} debt would be paid. Couldn't make payment by deadline so thought promo was done/finished. - Read all information listed on website about XXXX XXXX to avoid any misinformation and also avoid missing steps yo complete process. It was clearly stated on the website/ XXXX XXXX XXXX XXXX XXXX " learn more '' section that to complete the payment it should be done thru the button " Make a Payment '' I looked and looked thinking there would be a special XXXX XXXX button, but it only stated to click on the make a payment and that once processed it'd be applied as listed in the promo. -When ready to pay on XX/XX/XXXX, it was still displaying XXXX but now it said 100 % match and the XXXX XXXX XXXX XXXX, so I paid it. -On XX/XX/XXXX spoke with 2 Gen CSRs that had no idea about XXXX, requested to be trsnfrd to someone that would know, was placed on hold several times. I even hung up due to the long wait time and lack of info. -Finally spoke to some around the same day that stated I needed to allow 14 days for Pay to process and then it'd be completed, he even said the acct was already closed and just pending payment processing. -Waited til XX/XX/XXXX due to acct still reflecting pend bal, was told then to call Collections, something none of the others mentioned. -On XX/XX/XXXX called Fortiva 's Collection dept, and was told the same thing, there's nothing they can do, I made the payment online as a reg payment, throughout all the calls I explained what was listed on the website and how there was no information about 2 forms of payment ( one XXXX and the other regular ). The agent stated will submit a req, not high priority or anything and no eta was given. I followed the instructions listed on the website and now Fortiva is refusing to match the remaining balance in my account. They even referred to the email sent and that email doesn't state anything in regards to having 2 forms of pay XXXX and reg. Please review, thanks.
11/05/2018	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MI 48235	Web
To whom it may concern I'm having an issue with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GEORGIA XXXX XXXX SEND PAYMENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MISSOURI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MICHIGAN XXXX XXXX I made a purchase of a washing machine and dryer the total cost was {$1100.00} my payments are {$73.00} I made the purchase of the washing machine and dryer on XX/XX/2018 which I have made 8 payments {$73.00} 8 months = {$580.00} but after 8 months of pain my monthly fee I found that I still owed {$1000.00} that only {$91.00} has been applied to my bill and {$490.00} it's the fee if I pay another 8 months only {$91.00} will be applied to my bill and another {$490.00} would be my fee and I will still own {$1000.00} these fees are outrageous I have credit cards for XXXX XXXX store and other credit card stores and I have never ever been charged {$490.00} for fee these are sticker shock fees these fees are unfair to the unexpected consumer I never ever expected to have such big outrageous fees I was told I would have a one-time application fee and I was told that a little intrigued will put on for the fees like {$10.00} or {$15.00} not {$500.00} fees that's more than the product and the purchase I was trying to make a purchase and pay it off when I agree to this contract I had no ideal that the fees would be so outrageous it unfair to the consumer 8 months 8 months = 64 {$73.00} 8 months = {$580.00} {$73.00} 8 months = {$580.00} = {$1100.00} - {$180.00} this what will go on the bill after 64 months = {$980.00} is the fees and the original purchase price of the washing machine and dryer is {$1100.00} - {$180.00} is applied to the bill 64 months I will still owe {$1000.00} EST. The washer was {$440.00} the warranty was additional {$110.00} in the dryer the dryer was {$440.00} and the warranty {$110.00} I was not in no way aware of paying {$500.00} on fees on a {$440.00} wash machine and put in a position where I could never afford to pay for the product because the fee is more than the product an unfair to the unexpected customer sincerely yours dissatisfied customer
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46203	Web
On XX/XX/2023 XXXX Credit Card issued by XXXX XXXX XXXX XXXX cancelled my account for no valid reason. I contacted them by telephone and was first told my account was closed because I had several late payments. This is not true. I was never late on my payment and always made more than the minimum payment required. I was then told I had fraudulent charges and payments on my card. This too is not true. I made all the charges on my account that were authorized and made payments from my Bank Checking Account which too is not fraudulent. ( XXXX XXXX Checking ). I have had this account over 15 years. On XX/XX/2023 I paid the full balance on my account of {$1000.00}. This was able to be paid because I won {$11000.00} on a slot machine on a online Casino known as XXXX XXXX and is legal in my state and in the United States of America. Therefore, there was no fraudulent payments or activity. The account currently has a XXXX ( XXXX ) balance and payment was even made after the account was closed my XXXX and XXXX XXXX XXXX XXXX. My assumption is that they closed my account because there were no longer getting interest charges from me because I charged then account and paid off the balance The was done to show use of my credit available to me and to build up my credit and XXXX XXXX With XXXX and XXXX XXXX XXXX XXXX closing my account the have hurt my credit and reduced my XXXX XXXX by XXXX point and reduce my credit available to me by {$1500.00}. XXXX and XXXX XXXX XXXX XXXX needs to provide to me the FRAUDULENT Charges and Payments and a detailed reason for closing my account. I will also note that all my payments were made on time and often before the due date I have read several complaints online now about this company and post on XXXX. Maybe customers have experience similar situations and closing of account I want my account reinstated with the same credit limit or I will be filing a lawsuit and possibly a XXXX XXXX XXXX This is not legal action by this company. Their customer service representatives have no idea what they are doing and providing incorrect information to customers
09/07/2023	Yes	Credit card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX XXXXX	Web
I applied of this card on, When signing up I typed in my po box for my mailing address, and I also put my physical address for the portion where I was required to do so. I never received the card, and called about 3 weeks after applying and they said they would send a new card, and I never got it. I a called 2 weeks later, and then a week later about the card. Then they stated they sent the card to my home address but via my application and my chat messages which I have screenshots of I explained to them, my home address is an apartment, and someone has been stealing mail. So I opted to send the card to my po box , and every time I check on the card they keep saying its been sent to my home address. However I have informed delivery, which shows you the mail you have coming to your house and at no point and time have I received a notification from them about my a card from this company. I applied for others cards, from a company that was recently absorbed and turned into what is now called XXXXXXXX XXXX, so because I never received this card, and the other company I applied for was absorbed I thought it all became one entity. I believed that to be the case, because they all use XXXX XXXX, so I thought it was a company wide change. Long story short both this card and the other company were reporting a balanced owed on cards I never received. From my understanding which I could be wrong is that you have to activate your cards before they can appear on your credit report, and neither company explicitly state that they are essentially secure cards, on their site nor the XXXX XXXX app which is false advertising. In addition to that it took basically two months, I have yet to receive my card but its reporting on my credit as if it is activated already. Long story short 1. I need them to send the card via the mailing method I gave them. 2. Their app freezes, and employees prematurely disconnect mid conversation 3. The phone reps are just as terrible, and hang up mid conversations 4. They have no record of prior emails or phone call supposedly 5. I
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75035	Web
Subject : Dispute of Late Payment Reporting during COVID-19 Pandemic To Whom It May Concern, I am writing to dispute a late payment entry on my credit report related to my account with ASPIRE. The late payment in question occurred during the COVID-19 pandemic, and I believe it was inaccurately reported. I am seeking your assistance in rectifying this matter. I recently reviewed my credit report and noticed that late payments have been reported on XX/XX/XXXX through XX/XX/XXXX for my account with ASPIRE. I would like to bring to your attention that during the period encompassed by the late payment, I was granted an " accommodation '' by ASPIRE as defined under the provisions of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ) ( i ) ( I ). According to the definitions provided in the subsection : " Accommodation '' includes various forms of assistance extended to consumers affected by the COVID-19 pandemic, such as deferring payments, making partial payments, forbearing delinquent amounts, modifying loans or contracts, and other relief measures. The " covered period '' pertains to the time during which the consumer is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic. During this covered period, I was adversely impacted by the pandemic, leading to the " accommodation '' granted to me by [ Creditor 's Name ]. As a result, I am disputing the late payment entry as it does not accurately reflect the circumstances and the " accommodation '' provided by the creditor in accordance with the Fair Credit Reporting Act. I kindly request that you investigate and correct this error on my credit report. As per the FCRA, I have the right to accurate and fair reporting of my credit information. Please provide me with a written response confirming the results of your investigation and any updates made to my credit report as a result of this dispute. Additionally, if any documentation is required from my end to facilitate this process, please let me know. Thank you for your attention to this matter. I look forward to a prompt resolution of this dispute. Sincerely, XXXX XXXX
12/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OH 450XX	Web
On XX/XX/2022 I contacted Fortiva Credit about the process of paying my account in full and closing my account. I was told by a customer representative to send a certified or bank issued check to a given address to which I did. A week later I received a payment reminder of my upcoming payment at that time I called and checked my account status they then proceeded to tell me they havent received my check. They told me it may take up to 10 days to post I kept an eye on my account at ten days I called they then asked me to send my bank information on the check I had sent to a fax number which I did a week later I received a call stating they still havent received my check I again confirmed the address to which I sent to be correct, At this point they told me to re fax my check information to the same number as before I waited for three days and called back went through the whole thing again with customer service at this time I was told that they had given me the wrong fax number I then faxed information again to the new given number. A few days go by and I receive a call stating I was late I again had to explain the situation again and was told to give it a couple more days about 7 days later I received another call and was told I was accruing late charges at this time I contacted my bank and asked to place a stop payment on the check and overnight a new check please my bank asked for me to contact Fortiva for a address to overnight to and a full account number I called customer service they provided me with a overnight address but said it was not possible to provide me with a complete account number they could only provide the last XXXX I then contacted my bank and sent them a payment voucher as I had done with the first check at this point I assumed everything was taking care of but then I get a credit report alert when I checked Fortiva had reported I was 30 days past and do to this my credit report dropped XXXX points. I have never seen a group that was so hard to pay a account in full and close my account as these people ridiculous Thank you XXXX XXXX
10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07018	Web
Default and Opportunity to Cure To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the XXXX XXXX XXXXXXXX XXXX I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that financial institutions like Atlanticus Services Corporation, and ThXXXX XXXX XXXX XXXX ( ASPIRE CREDIT CARD ) use against Consumers like myself. According to the information added to the account, I noticed that your financial institution added the comment Dispute resolved - consumer disagrees. The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby grant Atlanticus Services Corporation, The XXXX XXXX XXXXi ( ASPIRE CREDIT CARD ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution Atlanticus Services Corporation, The XXXX XXXX XXXX ( ASPIRE CREDIT CARD ), failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions Atlanticus Services Corporation, and The XXXX XXXX XXXX XXXX ASPIRE CREDIT CARD ) decide to ignore my request.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20774	Web
On [ XX/XX/23 ], I reached out to a customer service representative at Fortiva, because I was having issues with my portal. They processed the payment for me and stated that she would take care of a late fee and the account. I asked her throughout the call several times if because I have issues with would my payment report as late. She stayed at all three times that there was absolutely no way my payment will report as late. I had nothing to worry about and I should follow up with customer service on Monday. Unfortunately, the representative gave me incorrect information. I received a notification that my payment did report as late which contradicts the information given by XXXX customer service representative. Please let me reiterate no point in time during that conversation that she state if the payment was after the XXXX that it would be late reporting. I did not find that out until calling a customer service representative today and I talked to three of them and it wasnt until the third representative that I was given that information. Verbatim she stated it was taken care of and there was no way that it will report as late, which is incorrect due to the late reporting. This may have been a honest mistake on the representatives side, however, it was on my behalf. I am asking for Fortiva to Please take accountability for your representatives actions by fixing this mistake and educating the representative. Fortiva has failed to properly educate this particular representative and adequately inform me as the consumer if anything was different. As a result, she has created financial obstacles for me by providing incomplete and incorrect information. This extreme disservice to a client to provide partial information. To resolve the problem, I would appreciate a updated report being sent on my behalf. I look forward to your reply and a resolution to my problem. I will wait until before seeking help from a consumer protection agency or other assistance. Please contact me at the above address or by phone at XXXX.
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NJ 07018	Web
This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party. 15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
02/02/2016	Yes	Credit card	Credit determination	CO 815XX	Web	Older American
I started getting phone calls from credit card called Emerge, This company took over a credit card account of mine in good standing in XXXX or earlier but i can not remember the creditors name. I since have paid on time by check every month and my account has always been current with Emerge until XXXX of XXXX when they said they did not get my payment, they then charged me a late fee, I sent another check including the late fee and payment in XXXX, they have not cashed either check and call me XXXX or six times a day, to get a payment by phone. On XXXX/XXXX/XXXX I asked for the following info- Please provide me with The creditors name you are collecting for, they did not give me the creditors name, only Emerge. I asked for the amount owed, they said {$580.00} and i asked how can i dispute or get confirmation that i owe this dept, they did not respond, i said i need this information sent to me with in 5 days in writing and i will be filing a complaint with the O.C.C and i hung up the phone. I have never been late on payments in many years and find it extremely odd that i am now not behind on the dept and never have been, and all of a sudden they started charging me late fee 's and saying they did n't recieve my payment and want payments by phone, also i find it unusual that they wo n't give me the creditors name they are collecting for XXXX the original owner of the account from XXXX ). If i can request an investigation to see whats going on, if this is a practice or tactic to get more money from me by not cashing my checks by increasing my bill with late fee 's, I read a review online of another man with this same issue with Emerge and he found through the O.C.C. this company was doing some wrong practices towards him and his matter was resolved with a {$2000.00} balance dropped to {$0.00} balance after the investigation. That is just hear say but is what i read. I am filing this complaint for me XXXX XXXX XXXX mother, She is not proficient in computers so i am representing her in this request.
03/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 11210	Web
In XX/XX/XXXX I noticed XXXX charges on my account that I didn't make. The date of the transactions were XX/XX/XXXX. XXXX charge was for {$52.00} and the other charge was for {$9.00} from a company called XXXX. I called my credit card company, Fortiva and informed them that I did not make those charges. On XX/XX/XXXX they credited me back for both of the charges. Then on XX/XX/XXXX they put the charges back on my account. I called Fortiva and asked them why they put the charges back and was told the after their investigation they found I'm responsible for these charges. They wouldn't give me any further information about their investigation and stated I would receive an explanation in the mail. I called Fortiva 7 times to see why I haven't received the investigation letter in the mail. After months of waiting, my XXXX call I spoke with a representative the under and spoke XXXX and he finally had the letter sent out to me. The letter that I received didn't have much information. Not even a phone number from the place where these charges were made. There was a website listed on the letter and I got the phone number from the website. The person at this company also could barely speak XXXX. When I asked her to tell me what it was that I supposedly purchased, she stated that should couldn't find any information on a purchase because it was a year ago. This supposed purchase was in XX/XX/XXXX. After much frustration, I called Fortiva back and let them know that I contacted the company and they didn't have any information about these charges. The representative at Fortiva was not helpful at all and insisted that since they had my address, phone number and email address, these charges are legit. This is not a whole lot of money but it's the principle of the matter. I have no problem with paying for something that I purchased but I am not willing to be wrongfully billed for charges I did not make. I hope that you can help me with the situation. I would really appreciate it. Thank you for your time.
08/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30052	Web
I called Aspire to see about setting up a payment plan to get my credit card back on track. I was offered the " Match Pay '' Program where they match a one time payment at 50 % in an attempt to help you bring your card back to a current status. I set up a one time payment for XXXX and with the 50 % matching it would bring my credit card to a XXXX balance. I was give the specifics of the program and verbally agreed to it. However when we were wrapping up the call the agent mentioned that she say I had mad a payment today in the amount of {$170.00} and it would be reflected on my account tomorrow. I advised her that I didn't make a payment and did not know what she was talking about. She told me not to worry that the account was good. I repeated that I didn't make a payment and she asked if there was anything else she could assist with. I hung up and spoke with someone else who told me the same thing. She went on to say that it was actually a one time payment I set in in XXXX that they processed today. Astounded I asked who authorized this??? She responded don't worry it went through. I know for a fact that I don't have {$710.00} in either of the two accounts I have on file. I stated you do know it is illegal to process a payment without the authorization of the account holder and she replied " yes I know that's against the law but it was from the payment set up in XXXX. I replied so Aspire took it upon itself in XXXX to run a payment that was to be processed in XXXX for XXXX? At this point after confirming they broke the law on a recorded line she began to try and backtrack and said I must have processed the payment on line. I didn't. Frustrated I asked for a supervisor. He was useless. He kept referring me back to my bank. I advised him I already looked at my account and this transaction wasn't showing. He refused to verify what account this transaction was processed on. Request that the call be pulled and you will hear them both admit I di not authorize this request.
08/14/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	TN 37042	Web
On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX ( Original Creditor is : Tribute ). After several failed attempts to contact XXXX XXXX XXXX XXXX by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did XXXX XXXX XXXX XXXX never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that XXXX XXXX XXXX XXXX is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on Tribute statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time XXXX XXXX XXXX XXXX increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.
07/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TN 37091	Web
On XX/XX/XXXX I tried to make a purchase at XXXX XXXX XXXX XXXX XXXX as I was visiting my XXXX on vacation and my card was declined which was strange since there should have been $ XXXX left available on the card. I paid for the merchandise with another card and left the store. Immediately upon getting to my car I called the company to find out what was going on. They informed me that my card was locked due to suspected fraudulent activity. I asked what they thought was fraudulent on my card that would warrant it being locked and they said they couldn't see the exact reason but if I were to send proof of address and a copy of my driver 's license to validate my identity then the information would be reviewed, and the account could be unlocked. I did state that I was out of town and didn't have access to a utility or any other mail that I received she then told me to send a copy of bank statement and my driver 's license. I have now sent everything to them but continue to get the run around. Yesterday I spoke with a rep who told me that they had everything they needed, and my card would be unlocked within the same business day. As of XXXX it was still locked so I called them back to ask why at which point I was told that my proof of address was not sufficient. This 14 days after this process had be started and I have had multiple conversations with the company re this issue and have been told that the proof of address was good but the driver 's license they had multiple issues with and I had to send it XXXX times at which point I was told everything was good. Now they are saying they need proof of address. They are just jerking me around and I am unable to use my card but they are expecting to get payment on time and of course eveything that I have on autopay with this card now needs to be moved somewhere else before those purchases are denied as well. They never contacted me to tell me that there was a problem with my card they just locked it.
07/28/2021	Yes	Credit card or prepaid card Store credit card	Getting a credit card Sent card you never applied for	GA 30269	Web	Older American
I bought a set of tires at XXXX XXXX in XX/XX/2021. They had a promotion that stated that if you opened a XXXX/XXXX XXXX account you would recieve a {$50.00} gift card.While I waited for my tires to be installed I applied for the XXXX card. Within about 5 minuted I recieved a e-mail from XXXX that I was approved for {$1000.00} credit and would recieve a card in the mail.They assigned me a number.I did recieve my card in the mail.I told the store manager to put my purchase on the XXXX card.The number on the computor was different than the number XXXX had sent me.The manager said the number on the computor must be a authorzation number and when I got my bill it would have the correct number on it.About 3 weeks later I recieved a bill from Fortiva Bank for the amount of my tire purchase.There was also a new account fee of {$49.00} on it.I immediately called Fortiva To question why they opened an account in my name and put my XXXX XXXX purchase on it.They told me they were the back up bank for XXXX XXXX and XXXX had refused my credit. NOT true.I immediatly told then to close that account and I sent them a check for the tire purchase.I also told them this account was opened fraudently and I would not pay any fees.After talking to several people they finally said they had closed the account and would remove the fees.I do however still recieve bills every month for fees and penalties now to the tune of about $ XXXX.The last time I called I was on the phone for one and one half hours.The last half hour I was on hold untill they cut me off.I discussed what had happened to the manager of XXXX XXXX and he told me XXXX XXXX had no back up bank and this was obviously fraud.He thought Fortiva must have intercepted my info off of something called the dark web.They now sent me a letter saying they have opened another account in my name with a new account number.This is fraud and a scam and they need to close all accounts in my name and remove any fees.
03/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 641XX	Web
2 weeks ago I was convinced to sign a contract for a XXXX XXXX at XXXX XXXX The consultant told me about the procedure and the price for the service. She told me that the cost of the treatment will be {$3300.00} and I was like no I can't afford that and the She told me that a lending company can finance my treatment. She also told me that after I get approved of this loan, they will charge me 3 months after i get the first treatment so I was like that a good deal and so I ended up signing the contract. The next day I decided not to go through with the treatment so I went to the XXXX XXXX XXXX and canceled my booking. On the same day I also message fortiva to close my account since I'm not charged of anything. Fortiva replied and they said that my account was closed. Few days later I got a notification from my bank that my credit score dropped. So I was like I've been paying my bills on time the might have caused this. So I immediately thought of my closed account at fortiva. Just to make sure that the account was really closed I tried signing in and it worked and I saw a big fat charge of {$3300.00}! I'm shocked. So I called ideal image and told about them about the situation and they told me that they have a NO REFUND POLICY. Since I signed the contract I acknowledged this policy. So I was like okay thats fine maybe if I got a partial treatment but since I didn't get any why am I being charged and he was like well the only thing you can do is to prove that you are medically unable to do the treatment like for example you are XXXX or you have a medical condition that will not allow you. He was also like its gon na hard to get a refund and it will take a lot of time, like weeks to months. If you don't want to do the XXXX treatment then you can just call XXXX XXXX to exchange it to another service. And I was like no I don't want to get scammed again. Thats why I'm reaching out to you hoping that you can help.me resolve this issue.
08/17/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	NY 109XX	Web
I currently have an account with Fortiva. My card has expired as of XX/XX/XXXX. I was never initially sent a replacement card. When I went to go use the card in XXXX, I realized it was expired, and called the company to request the card/change my address. On that first call they told me they would send it. One months later I still did not receive my card so I called again. This time they told me that it takes a month to send the card because I changed my address last time. I asked if they could expedite the card seeing how it was already 2 months without my card and they agreed and said 3-5 days. Two more weeks go by still no card now we are in XXXX. I call again and this time they say they do not know why it was never sent and assured me once again my card would be expedited now 7-10 days. Still did not receive the card after that time. Then I receive a phone call my payment was past due, because now its past XX/XX/XXXX already and my payment was due that day. I did not pay the payment, because I am furious about how this is still going on, so I called again and demanded a supervisor. The supervisor did seem sincere about helping me but did not accept my request of it being sent out that day and also once again said they would expedite the card in 7-10 business days. It is now XX/XX/XXXX still no card. I messaged them today XXXX on there app asking where is my card. The messaging rep said now since my account is past due they wont issue a card at all. I am beyond aggravated with this company. I have an exceptional payment history up to date for the past 3 years not one missed payment. I am appalled at how they are conducting business this way. In good faith I did pay what the actual minimum payment should be which is {$55.00} but since they tacked on {$100.00} dollars of fees for not paying it on the XXXX, they are claiming that has to be paid for a card to be issued that I should have already had in XXXX XXXX
11/17/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	AR 722XX	Web
On XX/XX/2023, I was attempting to make a payment online to my aspire account. I noticed that my available balance was not reflecting the correct amount but I proceeded to make a payment. Upon paying down my balance I thought that I had accidentally made XXXX payments which prompted me to call into the customer service line. During that phone call with a representative named XXXX I learned that my account was actually in collections with no notice given to me. Upon further review, I learned that my credit limit had been lowered, I learned that my account was no longer active and I also learned that while my account is not active and in collections I was charged a {$25.00} authorized users fee when Im not even authorized to use the card per XXXX. I was confused about this so I asked to speak with a manager by the name of XXXX. Upon talk to XXXX I learned that my account was actually locked due to fraud activity and that if I made a payment that customer service could unlock my account. XXXX couldnt explain ther service fee, he could tell me why I got a Thank You For Your Payment prompt online though he wasnt seeing the XXXX payments of {$280.00} that I thought I paid and that if I called back tomorrow customer service could reactivate my account. Ive had friends tell me that they have had some fraudulent charges placed on their accounts that they had to dispute and have removed and so I would like my concerns to be investigated further because Im uncomfortable with the additional fees if my account is in collections and not active, the fact that Im not receiving any notice of whats happening with my account or the credit limit decreases, no one was able to further explain the status of my account even though XXXX is a manager and the fact that my account was supposedly closed for fraud months ago before the account was sent to collections and I was charged a {$25.00} fee for a card I can not use currently.
10/25/2018	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 30157	Web
On XX/XX/2018, I contacted XXXX XXXX XXXX to obtain an estimated payoff for my current balance of {$530.00}. An estimated payoff would factor in residual finance charges and the " bogus '' {$12.00} monthly maintenance fee charged by XXXX. I chatted with XXXX and then XXXX who both said that they do not provide payoffs. I then left a message for XXXX XXXX ( an exeuctive in the XXXX office at XXXX ), but I have not heard back from him. I then called XXXX 's Customer Service and spoke with a representative who was totally and absolutely clueless. In fact, I think he was in another country. He had no clue about providing a payoff. He tried to refer me to Consumer Credit Counseling but then said that he could not because the account was current. By my calculation, an estimated payoff would be {$560.00}, but I could not pay it online because it is more than the total balance. As such, I paid {$530.00} online to post today, XX/XX/2018. I do not want to receive another bill for any fees or finance charges because I tried ( to no avail ) to payoff this account with residual finance charges today. Yet, XXXX apparently has a practice, perhaps illegally so, of not allowing customers to include finance charges with their final payment. I see this as just another way to continue billing finance charges and fees. This is not fair to the consumer and should be illegal. According to this practice, a consumer would never be able to zero out the account because fees and finance charges would continue. I also want a letter from XXXX stating that my account has been paid off in full. XXXX needs to be investigated for illegal practices -- charging annual fees on closed accounts, billing {$12.00} monthly maintenance fees on closed accounts, and refusing to provide estimated payoffs to factor in residual finance charges. I will be searching for a class action attorney because these illegal and abusive practices must stop.
01/14/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 28390	Web
On XX/XX/2023, the IRS accepted the 1099-C for the cancellation of debt owed to Fortiva Retail Credit XXXX And on XX/XX/2023 a 1099-C was received by me from the IRS advising me that the debt has been discharged ( cancelled or forgiven ) and Fortiva is still attempting to collect on the charged off loan. Additionally, payment was sent in full to the indenture trustee XXXX XXXX with XXXX XXXX XXXX XXXX. Though I have not yet heard back from her, according to the UCC, 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Additionally, federal law says that it's illegal to report transaction history. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER, Per 16 CFR 433.2. The account with Fortiva Retail Credit an open-ended credit line and the credit application became a security the moment my signature was obtained. Fortiva Retail Credit and its trust companies and parent companies have committed securities fraud against me for the sale and securitization of the security that I provided them in which I received no valuable consideration for said security and it is still being traded on the secondary market.
11/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Credit monitoring or identity theft protection services Problem with product or service terms changing	MI 48221	Web
Fortiva Credit Account Number : XXXX Account Name : XXXX XXXX DO NOT confuse this complaint with the other one. This is a different issue. This predatory company need to be out of business asap. This predatory company aims to destroy your credit not help rebuild it and i've worked too hard to get my credit right. I've never seen a company so many incompetant ignorant uneducated non-English speaking employees as this one. I've requested this company to change my due date several times thru their app by sending messages yet they've continued to LIE and claim not to have any messages from me. I requested more than once to have my due date changed to the XXXX of every month more than once and i have screenshots to show how it looks on their app. I've NEVER seen a company have an app that doesn't get their messages. On XXXX i once again called this company asking about a Financial Hardship. The so called supervisor i spoke to name XXXX XXXX which i doubt is his name he repeatedly threatened to report on my credit my account as late. Then he tells me they don't do anything like that to help customers. XXXX also told me if i made payment arrangements they would still report it as late to the credit bureaus. I was appalled because just about every company have some kind of Financial Hardship Department or some sort of Department when customers can't make a payment and this is my first time ever not being able to make a payment due to health reasons. I told XXXX XXXX i could make a payment on XX/XX/2019 and he kept threatening to report it on my credit as late. He also kept trying to force me to agree to a payment on XXXX which is also my due date. This XXXX XXXX character kept being sarcastic and ignorant and acting as if he doesn't comprehend anything. If a customer calls in and is trying to do the right thing this company will penalize you for doing right and messing up a person credit.
12/17/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	FL 32303	Web
I received a Pre-Approved letter from Aspire Credit Card for a {$700.00} credit card between XX/XX/2023 - XX/XX/2023. I then applied because of the letter received, however, I was denied after receiving a Pre-Approved letter. My issue is that a pre-approved letter speaks on eligibility information and is considered solicitation. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted Aspire Credit Card my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain your product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. Under Aspire Terms and Conditions When we ( Aspire ) solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. I was not offered neither an account or special terms with an account. After denying this application, Aspire Credit Card has adverse actions on my consumer report which is considerably unfair and illegal. Per 15 U.S.C. 6802 ( a ) ( b ), Aspire has failed to send me any form of notices giving the opportunity to opt out of any access they may have to my consumer report or any adverse actions that was caused by their decision to deny me, when Im sure I should have never been denied originally.
11/16/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 73013	Web
In XX/XX/XXXX I recieved an email informing me of pending purchases made on this credit card. KNowing for a fact i had not used this card in more than a month iim medially called to inform Imagine of what had happened. They sent me via email the form to fill out and told me if i got it back to them in a timely manner they would issue a provisional credit. I had it to them via fax in under XXXX hours and never saw a provisional credit and when i asked anyone about it they would change the subject. I then recieve notice that the dispute has be denied because their records indicate I accessed my account via my online login and I was provided wit hthe balance and transaction information during the time frame that I stated fraudulent charges were being made. First of all, I have never used the online method to view my account, I have the mobile app on my phone i use, XXXX this company takes days sometimes up to XXXX for the recent transaction history to appear on the app. The amount of credit available will be deducted according to the purchases. When I spoke to them on XX/XX/XXXX i asked the rep were the logins right before or after the charges were made and she said no it was a few days before i called in then put me on hold and said shes not sure. ( i have recorded every call with them ) I dont find that this excuse is in any way a viable reason to conclude this dispute. This is bad faith, they did a quick slppy investigation and I did not make these charges nor will i pay for them. They wont share any documents with me, heck, they didnt even call to say the second dispute had ended. very unethical and poor service. I have filed with identity theft.gov, now CFPB, im going tomorrow to my states attorney generals office, and to speak to a private lawyer for advise.I know if this was propery investigated the outcome would be that I didnt make the charges. Please help
03/17/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 296XX	Web
On XX/XX/2019, I picked up some mail from the people that had recently bought my house. While going through this mail, I saw 2 credit card bills that I didn't recognize. After opening these bills, I saw that they were fraud. I had never applied for a credit card to either institution in question, so therefore none of the charges on these cards were done by me or authorized by me. I immediately called both XXXX and XXXX XXXX and advised them of the fraud. The cards were terminated and fraud paperwork was sent to me by both companies. I filled out this paperwork and mailed it back. However, XXXX keeps putting negative reports on my credit report. They are now saying I am over 60 days late on my payment to them. I have no obligation to pay for fraud. Their refusal to remove these negative items from my credit report have now damaged my credit. My credit limits have been reduced on my XXXX card by {$1000.00} and my XXXX XXXX credit card had been reduced by {$4000.00}. Once fraud is reported, there should be a presumption of innocence on the part of the person who asserts to be a victim of the fraud. I submit that any credit card company that ruins a person 's credit after fraud has been reported to them is ripe for suit. This has damaged me in my ability to purchase materials to fix up a property I'm working on to get it ready for sale. XXXX has, in effect, robbed me of {$5000.00} in purchasing power to conduct my business as well as caused a reduction in by credit score to where it is now below average. What's left of my credit will probably be ruined as well if they do not remove all items they have against me on my credit report. I was prompt on reporting the fraud so it could be stopped. However, XXXX has not been prompt in removing themselves from my credit report, instead they have chosen to ruin my credit over fraud. I intend to sue them for doing this to me.
12/28/2022	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Problem lowering your monthly payments	NY 10462	Web
On XXXX XXXX I purchased the listed items from XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, New York XXXX. The salesperson named XXXX XXXX misrepresented/lied and told me my XXXX XXXX XXXX credit card account was closed which is/was not. The salesperson then made me open another retail credit card account with Fortiva Credit Services to finance/pay for the XXXX mattress and XXXX chair that I selected off XXXXXXXX XXXX XXXX The salesperson used deceptive sales practices on me for reasons I do not know. I made several attempts to contact Fortiva/XXXX XXXX XXXX that the minimum payment that I am now required to pay which is XXXX XXXX monthly is too much for me to pay. The salesperson on the day of the purchase could not even give a correct minimum payment amount that I would be required to pay monthly. I am asking is there any way your institution can remedy this deceptive and fraudulent sales practice this was done to me by this sales representative at XXXX. I am asking can the monthly minimum payment that I pay be reduced back to {$55.00} a month which was the monthly minimum payment I paid on my XXXX XXXX retail credit card account for previous furniture I purchased from XXXX. If this first remedy can not be met, can I exchange the furniture pieces that I currently have for something at a lower monthly minimum payment price around {$55.00} to {$60.00} dollars a month. As you are aware these past XXXX years beginning in XXXX to the present the worldwide XXXX pandemic has put a stress on my finances. Please consider theses factors if you are to XXXX me help in finding an acceptable remedy in dealing with this current situation, I am facing in making monthly payments to Fortiva that I can not afford. A copy of a statement similarly to this has been sent to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) and Fortiva Retail Credit XXXX XXXX.
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35010	Web
In accordance with the Fair Credit Reporting Act, Fortiva : Account # XXXX, has violated my rights. This company continues to report a 30 day late payment to XXXX from XXXX of 2021. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
09/10/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CT 068XX	Web
I received a loan through Fortiva for XXXX XXXX XXXX in XXXX. Changed addresses in XXXX and never paid off original loan to Fortiva. Owed balance of XXXX. Never received any communication of this debt. Called Fortiva recently, back in XX/XX/XXXX when I noticed them as charged off as bad debt on my credit report. They informed me that they no longer owned the debt and that it had been sent back to XXXX XXXX XXXX the company that performed the XXXX. I contacted vision group holdings and was told I could settle the debt with debt collection agency XXXX XXXX XXXX XXXX. Called XXXX XXXX and settled debt amount for XXXX dollars on XX/XX/XXXX. XXXX XXXX representative also stated over the phone that they had the wrong address on file and that was the reason I never received any communication about this debt. On XX/XX/XXXX I received an email from Fortiva stating that my debt had now been sold off to another debt collection agency called XXXX XXXX XXXX. I advised Fortiva that I had paid the debt collection agency they originally advised me to contact and that they could not sell my debt off as they had stated originally that they were no longer in charge of that debt. They advised I call XXXX XXXX which I did and I submitted proof of settlement I had received from XXXX XXXX. XXXX representative said this Was fine and that they would reach out to Fortiva to notify them the debt had been settled. It has now been months and they refuse to report the settled debt to credit bureaus. My credit score even dropped 45 points when they resold the debt to XXXX XXXX. Every time I call Fortiva the representative attempts to get me off the line by giving me the phone number to XXXX XXXX XXXX or XXXX XXXX and they refuse to acknowledge the debt settlement. I call XXXX XXXX XXXX and no one answers the phone. I believe they filed for bankruptcy and may have gone out of business.
06/03/2022	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	NY 11356	Web
I have reported to FORTIVA customer service every month. I have been in hospital with XXXX since XX/XX/XXXX I lost my ability to XXXX XXXX XXXX XXXX. I notified this company OVER AND OVER that i was in hospital wiht XXXX and still being affected by pandemic in more ways than one. Now, I call there today to once again tell them that I am still affected by XXXX as i contracted XXXX again and am still with the XXXX XXXX XXXX that originated from XXXX I am XXXX XXXX XXXX XXXX and to try and keep the life i had XXXX XXXX so when i come home i am able to live my life. HOWEVER, THIS COMPANY FORTIVA CLOSED MY ACCOUNT AND SENT IT TO COLLECTIONS EVEN THOUGH BOTH MYSELF AND THE CFPB NOTIFIED THEM OF COMPLAINT PRIOR TO TODAY THAT I HAVE BEEN AFFECTED BY XXXX their customer service now told me they closed my acct on XX/XX/XXXX EVEN THOUGH THE COVID CARE ACT SAYS THEY CAN NOT PUNISH ME FOR HAVING XXXX AND I HAVE NOTIFIED THEM EVERY MONTH AS REQUIRED BY LAW. THEY ARE BREAKING THE LAW AND HURTING MY CREDIT SCORE WITH THEIR FRAUDULENT BEHAVIOR. I DEMAND MY ACCOUNT RESTORED AND PUT BACK IN GOOD STANDING AS YOU CAN NOT PUNISH ME FOR HTE PANDEMIC. I DEMAND ITS IMMEDIATE RESTORAL OR I WANT CRIMINAL CHARGES FILED AGAINST THIS COMPANY I HAVE MADE SEVERAL COMPLAINTS AND THEY LIE TO YOU TELL YOU NONSENSE AND DO HORRIBLE THINGS TO CONSUMERS THERE ARE COMPLAINTS EVERY WHERE I DEMAND THE RESOLUTION NOW. IF THISIS NOT FIXED EXPRESSLY AS I REQUEST I WILL FOLLOW THRU AND I WILL ALSO GO TO NEWS STATION TO REPORT HOW I AM XXXX TRYING TO XXXX XXXX XXXX XXXX I SENT PROOF TO YOUR COMPANY HOSPITAL DOCUMENTS AND ALL AND YOU EVEN EMAILED ME BACK STATING YOU WERE FIXING THE PROBLEM INSTEAD YOU DID SOMETHING ILLEGAL - RESTORE MY ACCOUNT AND PLACE IT IN GOOD STANDING OR I WILL BE FILING CHARGES IMMEDIATELY AGAINST YOU. I DEMAND CFPB INVESTIGATE FORTIVA AND ITS SUPPORTING BANK IMMEDIATELY.
08/13/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 91606	Web	Servicemember
The problem is a ongoing problem with Fortiva credit. I attempted to get a head of my obligated monthly payments by paying my payments in a month in advance. This was due to having so many problems with Fortiva billing. XX/XX/2020 I made a payment of {$50.00}. Since there were no payment due for XX/XX/2020 because XXXX payment was made in XX/XX/2020. My payment are due the second of each month. So I made the payment after XX/XX/2020 that posted on XX/XX/2020. The exact same day my XX/XX/2020 statement was generated. Around XXXX XXXX I started getting texts message saying I had a payment due in the amount of {$42.00} due XXXX XXXX. I call customer services only to get someone attempting to get me to lose my cool by making up reasons that made no sense at all. I have sent a email to the CEO office and received no response. I have sent a email through general contact no response. Today I check my account and its past due. I went from having no payment due to being past due over hundred and some dollars. After going back and reviewing my account adding up all payments and fees. Too my surprise the requested payment of {$42.00} was actually my payment of {$50.00} minus {$7.00} which is the monthly service fee. I have gotten matter resolved by going to the XXXX then and only then did Fortiva corrected billing inaccurate statements. All the text message and trying to force me to pay the past due amount {$42.00} stating its past due when the payment was made. I dont know what to do because making any kind of payment would be saying I agree with the billing thats incorrect. Now I am in danger of outrageous charges that can get in the thousand of dollars quickly if not resolved. I feel this is complete fraud due to having to deal with the exact same thing month after month with Fortiva credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca ( XXXX ) XXXX-XXXX
04/28/2018	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	FL 32128	Web
I purchased XXXX equipment onXX/XX/XXXX by phone and online. I applied for their online credit service through XXXX ( which is owned by XXXX XXXX XXXX XXXX XXXX which has recently merged with the XXXX XXXX XXXX as of XX/XX/XXXX ) and was approved for {$3000.00}. The equipment order was placed by me. I changed my mind within 24 hours and stopped the purchase by phone with XXXX. The equipment was NEVER DELIVERED. I never took possession therefore this purchase never happened. I contacted XXXX to let them know that the purchase was a return/refund. The total amount financed was {$2400.00} on XX/XX/XXXXas shown on my XX/XX/XXXX statement. They received and applied the first credit from XXXX on XX/XX/XXXX in the amount of {$100.00} and {$1300.00}. Those credits were posted on XX/XX/XXXX. The next credit they received on 3/8/18 is in the amount of {$580.00}. It has been " PENDING '' on my account online since that date ( see screenshot ). Repeated calls, chats and email messages have been made to get them to post the credit. Their excuse is it takes 45 days to post. That would have been approx XX/XX/XXXX. It is now XX/XX/XXXX and multiple chat and email messages since then have produced no action on the creditors part to post the credit. Meanwhile finance charges are being charged every day since XX/XX/XXXX to my account. Interest on XX/XX/XXXX statement of {$48.00} and on XX/XX/XXXX statement of {$20.00} so far they have charged me {$68.00} in interest for merchandise I never took possession of. I was never made aware of the credit by message, email, on any statement or any other communication. When I chat with them they don't " see '' it until I point out that it is showing online. Then they just repeatedly tell me it will post in 45 days. They have deceptive financial practices and should be investigated and indicted for harming their customers.
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 283XX	Web	Servicemember
I was looking over my consumer report and I noticed that a Charge off is reporting on my consumer report that should not be there because the information is different across the Credit Reporting Agencies which means it's inaccurate and in violation of the FCRA. The IRS also defines what a charge-off is. As defined by the IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
01/01/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 94115	Web
In XX/XX/2019 my credit card was stolen and subsequently used without my permission or knowledge to purchase products and or services. As soon as I beacame aware I contacted the issuer of the card and let them know what happened. At the time of this fraud occurring my balance on the card was {$65.00} dollars. It has been 4 months and many phone calls, letters, etc., and I still have no resolution in this matter. Not only is there no resolution in sight, my new balance is {$450.00} dollars ( including disputed charges ). Mind you I have been paying my bill every month, have not made any purchases, and I owe more than I did the previous months. I have offered every opportunity to Fortiva Credit Card to make this right and they have pretty much ignored me.Not only is my balance the highest its been forcing interest to accrue, not to mention fees which are completely bogus and uncalled for. They insist they are investigating the matter to which I have to ask : " It takes 4 months to investigate this? '' I have provided all the paperwork necessary as per their request, and furthermore I was at work during the times the theft occurred. The charges were made in cities I have never been to and in some cases I have never heard of. In the meantime while they " investigate '' the case, I am suffering with a lower credit score directly triggered by their ineptness. If this is not resolved with your help, I will be left with no choice but to hire my attorney to delve into this matter and possible legal action. I have worked way too hard in the past year elevating my credit score by XXXX points to let it decline due to their negligence. I am enclosing paperwork with the disputed charges, timeline, etc., which I have provided to Fortiva Bank as well. I appreciate your time and I am hoping for a quick resolution to this matter. Sincerely XXXX XXXX
04/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MI 48221	Web
Companies like Fortiva shouldn't be in business. This company have absolutely nothing to offer customers but alot of Fees and not even during COVID-19 do they have anything to offer customers and this is the only so called credit card that have nothing to offer customers. They also report you to the Credit Bureaus the day after Lying that your payment is late which they've already caused my credit score to drop drastically. They have these XXXX phone agents who barely can speak any English and who don't Comprehend English either so they Lie and make things up as they go along. I also included a screenshot to prove this XXXX company charged me the same day i made my payment the same day the bill was due. This is why i stopped even using there card and if it wasn't for COVID-19 i would've been paid this card off and stopped dealing with this XXXX company. I'm being charged a {$40.00} Late Fee for paying my bill the day it's due. On XX/XX/2021 Fortiva charged me a Late Fee the same day the bill was due. On XX/XX/2021 when i called and requested the Late Fee be removed i got the run around. I spoke to a Supervisor name XXXX who sat there and said she could have the {$40.00} Late Fee removed right then and there yet as of XXXX the Late Fee is still on there. Fortiva have a cut off time of XXXX XXXX and yes i made my payment after XXXX XXXX but it was paid the day that it was due yet they charged me a {$40.00} Late Fee the same darn day. I'm sick of so called credit card companies trying to give a cut off time then charging a Late Fee the same day. These people are XXXX and XXXX and they act like they don't Comprehend well. You have one XXXX name XXXX who tells me he don't have a clue what i'm talking about. It seem that none of these XXXX phone agents know anything and they're very XXXX and try to be very Sarcastic while being XXXX.
06/16/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AR 727XX	Web
I applied for a Fortivia credit card. Over the year, I have held this card I have used it very sparingly. I have not made many charges on this account. When I did use the card, I paid my balance in full in the month I used the card. In XXXX of 2018, I noticed I was getting a bill for {$5.00} a month even though I did not charge anything on this card. I was advised that this was an account maintenance fee. I asked then to pay the entire XXXX a month for the account maintenance and was told I could not. I expressed concern at that time that the {$5.00} was being charged every month even when I did not use my card. I was told then that the {$5.00} account maintenance fee would just sit on the account accruing and could be paid when I made the next purchase with the card. I agreed to leave the account open to keep the buffer of overall available credit to help my usage score with the XXXX at that time with the understanding that I could pay the account maintenance fees that accrued at the time of my next purchase and they would not negatively effect me. Today I found out that they have reported my account delinquent to the credit bureau over account maintenance fees, not purchases, they would not let me pay all at once but spread out over months- although I had the means to pay all at once and attempted to do so several times. As a consumer, I should have the choice to spread payments or pay them in full but was repeatedly denied this request. Today, I attempted again to pay the maintenance fee in full and requested they reverse the negative reporting on the credit bureau. Again I was refused. This is not ethical and predatory behavior by Fortiva Credit. They are damaging my credit over a fee they will not let me pay all at once. I respectfully request that the negative reporting be corrected and my account be closed.
06/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NJ 08865	Web
XX/XX/XXXX I call twice today. The first time was to figure out why I got a letter in the mail dated XX/XX/XXXX which was the same day I made a payment. Telling me that I had not paid my bill and needed to or it was going to be turned off. They told me I got the letter because I paid XXXX days late. I hung up the phone already upset, I then went to the website and post dated the XXXX payment to come out on XX/XX/XXXX the due date. I then went on my bank account and saw that the payment posted against my bank for today. I called my credit card company back ( aspire ) and asked to talk directly to a supervisor. I told her about the call from earlier and that I post dated a payment for the due date onXXXX and that it came out today. She then told me if I make a payment with my debit card it will automatically come out same day. I asked her then why does the site let me pick a date and why is there no disclosure about if I use a debit card it will come out the same day that I have to put it my bank account info in. All she wanted to do was reverse the payment. But when I asked what happens if u forget or get busy on the due date and forget and pay a few days late again your just going to charge me another late fee. I asked again why was there no disclaimer about using a debit card and why was it not written any where. She had no answer. Told me I have been making payment so I had to know better. I was never told that this was an automatic thing only when I called XXXX other time a few months ago that it can sometimes happen. I got most frustrated with her and told her that all calls are recorded so she call dig that call up and see. Still no real answer as to why it is not posted anywhere about no matter what date you pick it will automatically come out same day. I told her I was filing a complaint
12/31/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CO XXXXX	Web
I make all my payments online through my bank account. All of my credit cards are set up this way. I received my Fortuva credit card in XXXX. I made my first payment on XX/XX/2021. The payment showed processes and then reversed the same day. I called my bank first to see if there was a problem on the bank end. The representative I spoke to said that the charge never came through. I went on to my Fortiva account to make sure I did not make a error when entering my bank account information. All information was correct. I called Fortiva and they said they are unable to tell me why it was reversed., bit I was then charged a {$40.00} late fee. I made my next payment in the same fashion. I assured all information was correct. I submitted the payment to be paid on XX/XX/2021. The payment was processed and then reversed. I went through the same process as before. I called my bank and they let me know that the payment never came through the bank. The representing told me that it would show if they kicked back the payment or denied payment. I called Fortiva again and was told that they could not tell me why it was reversed, but again charged me a {$40.00} late fee. The representative said that I could make the payment over the phone and they would waive the fee for paying through the customer service. I have verified and reversed all my banking information and it was all correct in their system. The payment I made over the phone processed right away through my bank. I asked for them to reverse the late fees since there is something wrong on their end and I was told they are unable to do that. I believe they reverse payments on purpose to collect the late fees. Like I said all my other cards are set up the same way and I have never had a problem with my payments. I have closed my account with Fortiva credit.
11/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	MI 49445	Web	Older American
I have been working with a credit counseling company XXXX XXXX since XX/XX/XXXX, they are sending payments to this CC Company ( Aspire ), I have been getting nothing but trouble with them every time I call them and try to get information out of them for a hardship payment plan, a payment date change ( to stop the late charges from accumulating monthly ). They have lied to me about information they have received from my debt collection company ( I know this to be true because I am in contact with them almost daily lately, just today XX/XX/XXXX and yesterday XX/XX/XXXX ). Aspire ( the cc company ) stated to me on XX/XX/XXXX over the phone, they had no information about a rejected proposal from my debt consolidation company, ( they did as stated above they rejected the payment offer ) so I had to call to find what they would consider for a monthly payment. I never could a straight answer from XXXX representative she put me on hold 6 times, she told me there was nothing in my file from XXXX XXXX, and when asked for the 6th time about a payment amount, she said again well you can send something!!!! I hung up at that point!! They are refusing to work with me and I have even increased my payments from XXXX ( that was in XXXX ) to XXXX as of XXXX. They are accepting my payments also! I can not change my pay date I'm on social security XXXX and get paid the XXXX of the month and that's it the Government does not change for anyone! The due date is the XXXX my money goes through XXXX XXXX then onto the XXXX company so the payment is not there until the XXXX or so but again the CC company refuses to work with me on a due date change! I'm trying to pay this down but with them charging late fees and over the limit fees ( that they created ) it never will be paid off!! Card ending in # XXXX
12/31/2016	Yes	Credit card	Delinquent account	FL 32250	Web
I just checked my credit reports to only find out that my credit service, Fortiva ( The Home Improver Card ), reported my history over 30+ days late. I have never made a payment over 30 days late. I was a few days past the due date, by never went past the next due date. Their website does n't provide the required information ( amount past due ) or a PDF version of the monthly billing statements, or even a physical breakdown of what is due, etc. I have pictures that show what their site looks like and you have to guess the amount due, as you are not required to pay the next month 's amount until the next due date, but if you want to know what is due, you have to guess. Their phone system is horrible and when their agents call, they do n't tell you where they 're from, they just say " Account Services ''. I literally had to tell her to tell me the name of the credit card they are calling for as I have many retail cards. She said, '' Well you just made a payment to us on XX/XX/XXXX, '' and I said I have made multiple payments to accounts on XX/XX/XXXX. I told her I go by the name of the card. She finally huffed and told me it was for my XXXX credit card. I told her the payment was sent to be received on XX/XX/XXXX. She then told me that I could make a payment through their site, and I told her it does n't post for 5 days, unless I expedited it and it costs. She said that was incorrect information. I said I 've tried it twice and it shows that it would post right away. Come to find out it was because they had just received a payment and their system would n't allow another to be scheduled within 7 days. They need to get with the times and up to standards with the laws. I submitted a dispute with XXXX. I will submit the dispute with the agencies after I submit this with the CFPB.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	IN 471XX	Web	Servicemember
Requested to have the late remarks stricken from my report so I can close on a house, but the lenders are refusing to remove said remarks due to their opinion that the information is accurate so they don't need to remove it. The problem with this is that the payments have been made, the delinquencies have been resolved, and a thorough explanation was given regarding what happened to cause the delinquency to begin with. They didn't care. They seem to think that just because it occurred to begin with, I should suffer from such and that they are under no obligation to help out at all. All communication was done over the phone with the lendersXXXX XXXX XXXX XXXX and XXXX. The lenderS said the information is accurate and to talk to the credit bureaus. Then the credit bureaus tell me that they only report what the lenders tell them and to go back and ask the lenders to remove it. I have been filing disputes and talking to them but they're dragging this out and I only have so much longer before the seller backs out and my loan possibly gets denied due to these late remarks. I don't know what else I can do because they won't work with me and they aren't doing their job of removing these remarks. I am working with XXXX XXXX to do better and take the necessary steps to have a healthy credit. The date I'm referring to is XX/XX/XXXX 's payment for my {$2300.00} auto loan with XXXX XXXX XXXX XXXX and {$1400.00} loan with Fortiva. Yes I was late, but I've explained that it was due to medical issues with me and my XXXX being sick and being worried and distracted by this that I ended up being late. I need a home for my family, so I won't let this happen again because I'm trying to do right by my child. I don't know what else I can say or do to get them to do their jobs, please help me.
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32824	Web
On XX/XX/2023 at XXXX EST, I spoke with an agent in the collections department at Fortiva Collections. They verified what the last payment date was and agreed to do a settlement for deletion. The collection representative stated that I had until XX/XX/2023 to pay the settlement amount and if paid by that date the account would be marked as 'Paid In Full '. The Fortiva collection agent then informed me to mail the settlement payment amount of {$2000.00} to the following address ; 'Fortiva Collections Department , XXXX XXXX XXXX, XXXX XXXX TX XXXX. The Fortiva Collection agent that I had to pay the settlement amount of {$2000.00} by no later than XX/XX/XXXX. They also agreed to remove the late fees that were reflecting in the amount of {$120.00} The check was mailed to Fortiva Collections Department and placed into their bank account on XX/XX/2023 ( See Enhanced Copy of Cancelled Check Attached ). At this time Fortiva by cashing the check has agreed to the following which is clearly written on the back of the check they cashed and it clearly states : ( Quote ) " By negotiating this check, the creditor herein agrees that this payment represents paid in full, paid as agreed and further agree to remove this account XXXX from my credit report. '' ( End of Quote ) ( See Enhanced Copy of Cancelled Check Attached ). After the settlement amount was, Fortiva has continued to ruin my personal credit by reporting the account as Past Due, Late Payments when in fact they agreed to settle the account for the amount paid which is {$2000.00}. At this time, they continue to harass and phone me for payments and causing my credit scores to continue to be low due to their inaccurate reporting of this account which should be showing as 'Paid In Full '' and 'Removed from my credit profile ''.
10/04/2023	Yes	Credit card Store credit card	Other features, terms, or problems Other problem	NC 28562	Web	Older American, Servicemember
In XX/XX/2023 a representative from XXXX, a security company, came to my house to sell security services. They installed a few XXXX dollars of equipment. They then ran my credit with Fortiva Retail Credit Card to see what my credit limit was. It was {$4000.00}. XXXX claimed that the equipment and installation were free, which was a falsehood because they were actually " selling '' it to me for {$4000.00}. I called FORTIVA to complain and was told that the account could not be closed even though I had offered the equipment back to XXXX and closed my account. FORTIVA told me that could not be done, and that FORTIVA and XXXX were two separate companies. When I called XXXX and sought to close my account and return the equipment, I was told that the equipment already belonged to me ( I guess because it was paid for by FORTIVA ), and that my account could not be closed until I finished paying the {$4000.00} I was supposed to pay FORTIVA. This is collusion between the two companies to defraud me by charging me an unconscionable amount for a few XXXX dollars of equipment and forcing me to continue paying for monthly security services until I have paid off equipment that XXXX claims I already own. XXXX is forcing me to pay for security services that I do not want. FORTIVA is charging me {$4000.00} for a few XXXX dollars of equipment. I would like to know the actual cost of the equipment that XXXX installed in my home and FORTIVA bill should be lowered to that amount. I should be allowed to cease paying XXXX for security services. XXXX 's contact address is XXXX XXXX XXXX XXXX, XXXX, UT XXXX. FORTIVA refused to give me a physical address but told me to reach them at XXXX. He did say they were located in XXXX, GA but the mailing address I have for them is a payment address in TX.
07/03/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 454XX	Web
While reviewing my monthly billing statement from Fortiva I found a charge on my card from an XXXX company in California which wiped out my remaining account balance. I went online to Fortiva 's website and got an online cus svc rep to answer my inquiry which proceeded to tell me to call on XXXX and report the issue to a Cus Svc Rep. I called on XXXX XX/XX/2019 and spoke with a rep named XXXX. He reviewed my account and told me he would send me a new card and paperwork to fill out to have the fraudulent charge researched. I got the new card but never received paperwork for the fraud issue, so I called them again and asked to speak with a supervisor so I could get this resolved. The supervisor 's name was XXXX and she gave me the runaround telling me that it takes XXXX business days to receive paperwork. I told her I got a new card already why not the paperwork. She couldn't answer my questions and transferred me back to the person I spoke with on XX/XX/XXXX. Explained again what was the problem and I asked if he could email me the form so I could get this issue resolved. I received the form and send back all the information they requested along with a copy of my Drivers License and a copy of the credit card and asked for confirmation that the information was received and I have not received anything from them yet. They were more concerned that I activate the new card which I have not done so because I am not using a card which has no funds on it. Also they told me it will take up to 90 days to resolve this issue. I have always paid on time and always more than the minimum amount. The card was used at local stores near my home and I am not a traveler either. I can not believe the customer service and the delay tactics a customer has to do to resolve these sort of issues.
07/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	VA 242XX	Web
I had been hospitalized and fallen behind on payments, attempting to get it back on track I was trying to make multiple payments in a month, a payment was reversed on XX/XX/2023 for {$50.00} I am waiting for bank statement to be sure there was funds on that day, I tried to make another payment on XX/XX/2023 I know there was funds in my account for that but the payment was reversed, both times I was charged {$30.00} for returned fee, payment was made with debit card. On XX/XX/XXXX I made another payment for {$20.00} to cover what was due that month, I then called and asked for a credit of a late fee and was told until my account was current they can't do anything, that is why I made the {$20.00} payment to get the account current. The person I talked to on the XXXX told me the return fee could not be removed and that they would credit me a late fee of {$40.00}. On XX/XX/2023 I noticed anther late fee and that I was credited {$30.00} on a returned check fee. I called them and questioned this, and was told that the {$20.00} had been declined, looked at my bank account and the money was taking from my account so I asked what was going on, I was then told that it was received on the XX/XX/2023 and that made it late, I looked at my account and payment was posted on XX/XX/2023 and that they would reverse the late fee. I questioned why the other late fee was not reversed and that a return fee, that was supposedly non reversible, was reversed, and could not get an answer. These items made me question the reality of my payments being made. Shortly after that last phone call I recorded an email informing me that my fees will be going up, maintenance fees, late fees, and return fees. I was giving the option to cancel my card if I did not want to agree to these fees and so I did.
10/10/2023	Yes	Credit card Store credit card	Fees or interest Problem with fees	OK 73160	Web	Servicemember
Was under a XXXX month no interest if paid before the end of the period. From the start I would see accual interest charges being applied to the amount due. I made payment before XXXX XXXX statement was ever billed and assumed that since making payment over the min. due that it was going to cancel out the bill due. It did not, I phoned companey and was told I had to call in each time a extra payment was being made. I did not find this in any documents. Also, I was charged a XXXX USD membership fee at the start. This fee automatucly could set a persons account near the offered limit. I was unaware of the fee and asked to see my acknowledgement of it with a signature, none was ever given to me. The statements are very confusing to understand. Its clear that Fortiva will attach fees etc to make a person have to keep paying over the promo period to collect interest. Tried contacting customer service many times. They have a call center in XXXX XXXX and its very difficult for them to understand. My accoutn was almost paid in full but dealing with them and their tactics it extended me over the XXXX month period and the hundreds of dollars already paid was a waste. My account almost tripled and was XXXX more than original cost of product. I sent by certified USPS a letter explaining the issue in detail. Also asking for all documents proving the amount owed and in other documents to vailidate their charges and fees. It was signed and picked up. No response was ever received as of date. ( XXXX later ) I also ask them to cease contacting me other than by mail and they continue to email and text phone. In my account which I no longer have access to also ask to have all cell phone commication to stop. Even after letter sent they are continueing to mark credit report.
07/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NV 89130	Web
I was struggling to make my monthly payments. I always answered their calls because we were trying to figure out a solution so I wouldnt lose the account. I rec. a email from Fortiva Credit Card Co. on XX/XX/XXXX entering into an agreement with me to get my card current. Fortiva suspended my card not over the limit but going on 3 months late. It states that I need to pay the {$460.00} by XX/XX/XXXX. On the very next day after the email, I made a payment of {$100.00}. I called who I thought was customer service to make sure it went through ok thats when I'm informed my acct is closed, the rep. I spoke to never said he was in collections, very deceptive. I told him I never rec. a email or notification it was closed, he said wait for the payment to clear and call customer service again to see what they can do. The payment has cleared I called them today XX/XX/XXXX the rep said yes your account is closed, I asked her when did that happen, she never gave me an answer, I told her I rec. a email about my account being suspended and the agreement to keep it from closing which I began to honor. The rep said we sent a email I told her to find it, she couldnt. I asked for a manager, I also told her about the XX/XX/XXXX email for suspension and agreement that I made a {$100.00} payment towards, but all she kept saying was read your agreement, yes I did the email agreement, then she said we sent you a letter, asked when, she couldnt say because they never sent one im sure one will go out on XX/XX/XXXX. even if you go to their website or app it still looks like my account in open. I explained to the manager, sending that email with that agreement approved by Fortiva is binding and I honored it by making {$100.00} payment this credit card company is very deceptive.
10/11/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IA 527XX	Web
XX/XX/2023 I received a credit card from a company and on the card was an activation sticker for Fortiva. So I called the number to activate the card and the automated system couldn't find my information. So I spoke with a man who couldn't find it either and asked for more information to " try to find it ''. I didn't think anything of it because it's not unheard of for companies to outsource certain things. It didn't seem odd that Fortiva may have been handling the activations for my card company. Well, the man said he couldn't find the account and told me I should reach out to the company that I got the card through. I asked him who I should speak with about the sticker being on my card and he hung up which seemed odd. So I trying looking the number up, and clearly it's a ghost number. So I called Fortiva directly from the number on their website to discuss the issue with their fraud/scam department ( concerned I just gave my private info to a scammer ). They looked for my account ( which I explained that I do not have ). The lady informed me that I can't do anything with fraud or scams unless I have an account. She offered to transfer me to applications. I explained that I am not interested in an account, but I am concerned that there is a scammer pretending to be a representative of Fortiva with activation stickers being placed on credit cards to gather personal information. She stood her ground that there was nothing they could do unless I had an active account with them. Thankfully the company I received the card from was quick about canceling the card and marking it for fraud, but it still raises the question for me as to how and why this activation sticker was put on my card with a ghost number for people pretending to work for Fortiva.
08/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	MO 640XX	Web	Servicemember
Towards the end of XXXX, I received a notification through my credit report that Fortiva had opened a new credit card account in my name. I had absolutely no knowledge of this or why this happened. In 2021, I had signed up for an account with Fortiva through XXXX. But it could only be used through them. That account had not had any activity for over a year. I reached out to Fortiva on XX/XX/XXXX asking them what happened. They said that they were upgrading me because they believed I would like that since the card could now be used everywhere rather than just at XXXX. They also said that they sent me an email in XXXX that I never responded to, probably because it went to spam. It is my understanding that companies are not authorized to simply close and open accounts for people without their actual consent, not just a lack of saying no. Otherwise why wouldn't credit card companies just send out tons of emails to people saying they are going to sign them up for a card unless they respond back. By doing this, they caused detrimental impact to my credit score. Not only did they remove an account that I had for over 2 years, which impacts my age of credit history but it also adds a new credit card that simultaneously shortens my average credit age and makes us less appealing for other offers since it shows we recently took out another credit card. I took a drop in my credit score immediately when this happened. Regardless of what Fortiva is saying about this being an " upgrade '', it is not an upgrade. I have had this happen with other cards where I was upgraded and the account number stayed the same, not impacting anything else. However this is not the case as it actually closed the old account and reopened a new one.
11/25/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 10312	Web
I just activated my new Credit card ( Fortiva ) And understand there is a yearly annual fee. XXXX $ on activation day, and XXXX $ yearly thereafter. However, in the Setup and Maintenance Fees portion, it says NOTICE : The annual Fee will be assessed before you begin using your credit card and will reduce the amount of credit you initially have available. Based on your initial credit limit of {$700.00}, your initial available credit will be only about {$520.00}. You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you will not be responsible for any fees or charges. So I called up fortiva telling them I hereby do NOT agree and reject the plan for ONLY the 1st initial annual fee of {$170.00}, which it says I can reject and not be responsible for any fees or charges. So I fulfilled both requirements, not using my account or payed any fees after the first billing cycle. Fortiva told me that If I reject the annual fee of XXXX $ ( which it explicitly says I can reject and not be responsible for ) that it means i want my account closed. I asked where it says this explicitly in the Cardholder agreement and this is what they said, It does not say tht explicitly. it means if you reject, you agree to have your account closed, if you reject the initial annual fee of XXXX $ ( NOT the {$49.00} annual charge. i am only disputing the XXXX $ setup fee. ) oh well sir it does not say it explicitly, that your account will be closed if you reject the initial assessment annual fee of {$170.00}. They really said that. So it should say it explicitly if that is the case! If you need any further clarification please let me know thanks.
06/27/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 30157	Web
On XX/XX/2018, my XXXX Credit Card Account ( XXXX XXXX XXXX XXXX XXXX XXXX ) was closed at my written request. The account is closed with a balance, and I am making on-time monthly payments to get it paid off. On XX/XX/2018, I was billed an annual fee of {$49.00}. On XX/XX/2018, I first emailed XXXX through its website to request the annual fee be waived. I did not receive a response. On XX/XX/2018, I initiated a chat session through the XXXX website and chatted with XXXX. I asked that the annual fee be waived/removed/reversed, but XXXX refused to waive it. He said that an annual fee will be billed on the account, even though it is closed, as long as there is a balance of {$25.00}. This practice seems illegal and definitely unfair and abusive. Customers should never pay annual fees on closed credit cards. The card can not be used at all ; thus, XXXX/XXXX XXXX XXXX XXXX XXXX is being abusive in billing the annual fee and then refusing to waive it. I am asking that the CPFB investigate this bank for the abusive practice of billing annual fees on closed accounts. Also, when the account is closed, this bank needs to make clear of its annual fee billing in the close confirmation letter. It does not. Whereas other banks gladly waive annual fees on closed accounts, why has the federal government allowed XXXX/XXXX XXXX XXXX XXXX XXXX to get away with such an abusive practice? I would hope that appropriate fines and legal action are forthcoming for this bank, and the abusive practice of billing annual fees on closed accounts comes to an end. I am asking that the {$49.00} annual fee is waived on my account, and on a much larger scale, I am asking the CPFB to investigate and put an end to such an abusive practice.
02/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	OH 44130	Web
We had a credit card with Aspire, which we had paid off the entire balance of in XXXX of XXXX. Following the fulfillment of this payment, we called and then cancelled the credit card in the same month, seeing as we did not want to continue with the card. After a report from XXXX, we learned that Aspire had reported a 30 day late payment on the card ; which not only damaged our credit reports, but also was not communicated to us in any way, shape or form. We called Aspire as soon as possible, and spoke to a XXXX XXXX in the collection department. XXXX then claimed that this {$39.00} dollar fee was an annual renewal fee, having not been informed of this charge ; as previously stated, we did not act on it. This then, when added with late fees that we did not charge, totaled to {$130.00}. Additionally, there is the fact that the card was cancelled in XXXX of last year. XXXX attempted to have us pay the balance off, however, as we stated the card was cancelled 5 months prior, and we had not made any purchases or charges on the card, which has been destroyed following its cancellation. After speaking with XXXX for approximately 30 minutes on XX/XX/XXXX, we ended up speaking to their supervisor, XXXX XXXX. XXXX XXXX is sending this to the resolution department to have the fees removed from the account and to make another attempt to close the account. While this is a part of the issue, the main concern is the fact that this is now displaying as 30 days late on my credit report and the removal of this occurrence from the report is my utmost priority. I had been told by both XXXX and XXXX that this is not a guarantee, which is unacceptable, given that the balance on the account was not of our doing.
10/24/2020	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	FL 336XX	Web
The following message ( request ) was sent to credit card company. -- -- -Original Message -- -- - From : XXXX Sent : XX/XX/XXXX XXXX PM To : XXXX Subject : Customer Contact Request [ EXTERNAL EMAIL ] Use caution with links and attachments. XXXX XXXX XXXX Dear Customer Service, Please see the request below. First Name : XXXX Last Name : XXXX Last 4 Digits of SSN : XXXX Zip Code : XXXX Selected Concern : FI Detailed Comments : Hello, This account was reopened and credit applied without my knowledge of an Annual Fee of {$49.00}. In fact, I did not apply to have this account reopened. The balance on this account was paid off over a year ago. Credit cards with annual fees are of no interest to me! In fact, I have credit cards with much larger available credit with no Annual Fees. If possible, I would like to keep this account with no annual fee. If not, delete balance of {$49.00} annual fee to a zero balance and close this account asap. Thank you, XXXX XXXX FOLLOWING IS LATEST RESPONSE FROM FORTIVA CREDIT CARD COMPANY ON XX/XX/XXXX : Dear XXXX XXXX, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. We understand your concern. Our records indicate that an annual fee of {$49.00} was charged to your account on XX/XX/XXXX. The annual fee is a onetime fee assessed every year to cover expenses associated with managing your account. Unfortunately, we are unable to comply with your request to waive the annual fee. We appreciate and value your business. Please let us know if you have any further questions regarding your account. Thank you for contacting Fortiva Customer Service. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX \| www.myfortiva.com
07/29/2021	No	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	MN 56007	Web	Servicemember
About a month back I received a letter from Fortiva credit saying that if I didn't cancel the card they would charge me {$99.00} even though I had only used the card through a zero interest deal on a guitar from 2 years ago. I called the company immediately and asked why they sent the letter when my account was already closed for over a yearly. The person on the phone assured me I wouldn't get billed and my account was closed. I have the phone call recorded and it backs up my story. Then to make sure I went on the company chat feature on their website and they told me again not to worry it was cancelled. I also saved screenshots of that conversation. Today I received a letter saying I owed them {$99.00} for a yearly fee, with a {$34.00} payment due by XX/XX/XXXX or I would get a {$49.00} late payment fee.. I called the company in Georgia and explained I had cancelled the card, and I have the phone recording, and screen shots of the chat to prove it. The person on the other end asked if I was recording the current call and I told them that I was recording and it was perfectly legal in Minnesota where I was calling from and in Georgia where they claimed to be because they are both 1 party consent states. At that pint he said that he couldn't speak to me if I was recording. I asked to talk to this supervisor and he claimed it takes 2 days for one to call me back. Then he hung up on me and blocked my calls. At this point they've gotten no money out of my account, and my bank has put a stop payment on the company. My biggest concern at this point is these scammers are going after people that possibly can't defend themselves, or that don't keep proof of what these scammers are saying.
06/10/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IL 60615	Web	Older American
On XX/XX/XXXX, I made my regular payment of XXXX to fortiva credit. On or around XX/XX/XXXX, I called to check my balance. The next payment for XXXX XXXX which included a XXXX late fee. I contacted a fortiva agent who told me the XXXX payment was 20 minutes late but that she would waive the late fee. Approximately one week later I telephoned to check to see if the payment had been decreased and it remained at XXXX. I again contacted a fortiva agent who assured me that even though the late fee is normally deducted from the balance, that because the previous agent had told me the XXXX pymt would be XXXX, not XXXX, that a correction, reducing the monthly payment would be made. He assured me that the matter would be handled but that it would take a out 10 days. After about 14 days, I registered a complaint with fortiva at the address provided on the statement. The response was that my letter had been received. " OUR RECORDS INDICATE THAT A LATE FEE OF XXXX was processed to your account on XX/XX/XXXX. A review indicates that the last payment was posted on XX/XX/XXXX and the current balance as of XX/XX/XXXX is XXXX. '' There is no mention of the XX/XX/XXXX payment. Regarding the XX/XX/XXXX payment, the statement I received for XXXX shows XX/XX/XXXX as posting date and not XX/XX/XXXX which would have the date if payment went to next date. The XX/XX/XXXX was a late fee credit and has nothing to do with info I received regarding the XX/XX/XXXX pymt. Fortiva continues late fees and makes calls to me at least 2 to three times a day regardless of my explanations. I relied on info given me on XX/XX/XXXX. I have continued making payments. Any help will be appreciated. Fortiva credit is XXXX XXXX, MO.
08/06/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	CA XXXXX	Web
The company told me in a commercial personalized form letter affixed with a credit card cardboard simulation along with a summary of credit terms all delivered on XX/XX/2019 to my home address in one standard business envelope that I am pre-approved for a {$1000.00} credit limit that has been reserved especially for me and used such letter to successfully make me go within an hour of my own in-hand receipt on such same delivery date of such same mailing to a certain website and enter a certain supplied Acceptance Code and accept my such offer entering my contact information and income amount. Then, immediately, such company delivered to my inbox a notice of denial of my such application stating my such denial reason as Insufficient Income/Low Income, but I feel that such reason is an act of discrimination against me on the basis of my marital status, from such same email message to me, as to me such denial reason reflects two different income states, one being insufficient and the other being low, which, to me, does not necessarily mean the same thing as insufficient. Likewise, such same letter to me includes graphics of a woman ( shadow of a full-haired person wearing a dress ) holding up one of such same credit cards to a man ( shadow of a flat-haired person not wearing a dress ) both standing just above the words, build, grow, and aspire, but such company did not hire me or get me hired and also did not state anything about driving status, income, sexual orientation, or housing in such same email message to me. Therefore, such company, not including driving status, income, sexual orientation, and/or housing in its own definition of marital status, blocked me from joining accounts.
10/23/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MA 015XX	Web
My credit card was used multiple times without my permission. The transactions involved 8 charges of XXXX and 4 charges of XXXX. The credit card company did not activate a fraud alert for repeat suspicious transactions. I find this weird since, in the past, I tried filling up XXXX cars at a gas station, and the credit card company declined the second transaction but not these multiple transactions. I filed a fraud claim with the company when I noticed my credit card information was compromised. The company denied my fraud claim since I did log into my account during that time period and made a payment. At that time, I was using the card a lot for XXXX since my car was in the shop, and I figured the balance was due to the tips for XXXX rides being processed. While I did log in to check my balance I did not check/notice any suspicious transactions. Once my payment cleared, I tried to make a withdrawal which was denied due to the card being maxed out again by more fraud charges. This is when I noticed the fraudulent transactions and notified the company. The company is saying I am responsible for the charges since I logged into my account and should have noticed, but I do not think that is fair since the company should have issued a fraud alert and denied the multiple transactions. The transactions made do not follow my spending habits and should have been flagged. The company also said I only had 14 days to submit paperwork for the fraud complaint. Looking at the regulations, I believe I should have had 60 days. Once the claim was denied I called the company and was supposed to receive a call from a supervisor but it has been a week and I have not received a call from the supervisor.
03/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	KS 670XX	Web
I called Aspire credit card on XX/XX/XXXX about a fraudulent charge I seen posting on my account a representative put me in touch with fraud department and they said they would credit back the charge and send me out a replacement with in 7 to 10 days. A week later I noticed on my account the last four of my card number changed so I thought everything was good. I received a letter on XX/XX/XXXX stating there was fraud on my account and it was suspended. I called and spoke with them again they said that everything was ok but the card was not sent out for some reason so they would sent it out now and I could get it within a couple days expedited I told them that ok just send it regular mail. I received another letter a week later I called back on XX/XX/2023 they told me my card was lost or stolen at first then I talked to a supervisor by the name of XXXX who told me they could not confirm address but they had already sent me out two letters by this time. I asked for a supervisor over him to call me back he said it would take two business days and took down my number. On XX/XX/2023 I called back again due to not hearing anything spoke with another supervisor who told me the problem is the card count was not on account now he can send me out a card in 3 to 5 business days he also said he did not know why the supervisor has not called back for follow up because they should have called me on the XXXX. I dont understand why every time I call them I get a different reason why the card is not being sent out and have to keep calling back. I have been on time with my payments and now am paying for a card and fees of a card XXXX dont have in my possession due to there company and issues.
01/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NY 11735	Web
In XX/XX/XXXX, I opened an Aspire Credit Card in an effort to rebuild my credit. My credit limit was {$350.00}. On XX/XX/XXXX - I accidentally made a payment in real time when I wanted to make a post dated payment of {$250.00}. I immediately called the credit card company who told me unfortunately because it was made through my debit card they can not cancel the payment & the payment was posted. Just to give some context in a 1 month span I made several payments to this credit card which includes 1 {$100.00} payment then 1 {$50.00} payment in edition to {$250.00}. I called the credit card company because I noticed my credit limit was over the limit and my credit card was closed on XX/XX/XXXX because of this. I was concerned immediately because I was told on XX/XX/XXXX when I accidentally made the real time payment that there would be no implications if the payment was posted. I never recieved a call, a letter, anything to notify me my account was closed. I asked to be refunded the payments and annual fee I was charged after my account was closed. Then to my dismay I see a {$540.00} charge on my bank account. I never set up auto pay and was charged this amount. Now I owe over {$800.00} I looked at my statement and under purchases I see over {$1000.00} which is impossible when the card has been closed since XX/XX/XXXX- I am being hit with hefty fees. I hope to open a mortgage later this year and this is a huge hinderance. I have 1 collection account on my credit which I have settled and waiting for my pay to delete letter to be processed. This is a major headache, I have read this credit card company is known to prey on people with bad to fair credit and its very unfortunate.
03/15/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NV 89031	Web
A XXXX called my mom 's home number advising her that I need to contact him immediatley or they are going to garnish my wages and take monies out of my bank account. He left a phone # with an ext., so I called the number and a man answered the phone so I asked for ext.? and he said this is that ext. I advised him I was returning his call and gave him my name and he went on to state I owe {$1000.00} towards a Tribute credit card from XX/XX/XXXX and how do I want to pay it. I advised him I needed something in writing showing I owe this money to Tribute before I pay anything and he became exsremely billigerent towards me threatening to garnish my wages because he knows I owe it. I advised him that I dont have a Tribute credit card on my credit report in collections and he said there company hasnt released it yet and that 's why, so I told him at this point it 's been 7 years and they could n't go after me legally anyway, but I would be willing to pay the {$300.00} he first offered to settle with me if he emailed me the information I was asking for, but he started yelling at me and wouldnt let me explain anything. He said he didnt have time to email me that information, so because I couldnt speak I just hung up the phone. I was in a car accident in XX/XX/XXXX and had to have extensive XXXX in XX/XX/XXXX that put me out of work for 3 months, so I admit I wasnt able to pay the credit cards I had at that time but I did end up paying two of them off because they worked with me. I have never been spoken to like that by any other company represenatative in my life. He was a complete bully and I have been in tears all day because Im scared of the situation. Please help me with this.
07/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	DC XXXXX	Web	Older American
MasterCard credit card issued by XXXX XXXX XXXX XXXX ( XXXX ) ; offered via email promotion and {$1000.00} line of credit. Brand name FORTIVA Credit Card Card was issued XX/XX/XXXX. With. {$170.00} annual fee@ 29.9 % / 34. % APR. Payments were made to this card via ACH direct debit from cardholder checking account. On XXXX, XXXX ; cardholder issued an ACH pymt for current balance @ $ XXXX. Fortiva Card Services claimed the ACH didn't process properly and was therefore, insufficient. Cardholder provided bank statements and documents showing funds were available and were valid for transaction debit, in order to reissue the payment. Card services at Fortiva instead closed the account and claimed non payment and reported to the Credit Bureau as closed and settled account @ {$800.00}. The promise made by Fortiva to credit back the annual fee, ( prorated ) and keep account open and except minimum payments without reporting to the credit bureau has been breached and non existent. Possible correct balance is {$650.00}. XXXX, XXXX credit bureaus are showing this account reported on XX/XX/XXXX closed as settlement. However, cardholder wasn't advised o and wasn't notified of the reporting as closed by creditor without valid reasons. Creditor received payment in full $ XXXX right after the discrepancy was corrected by the issuing or receiving bank via ACH. Fortiva Card Services representative of XXXX have no idea how to correct this problem nor have direct access to the bank making those decisions. Adjustments to the account haven't been processed nor have the customer service department provided valid answer, nor proper information as to where to file a dispute. .
01/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	WA XXXXX	Web
There were many charges made fraudulently on my credit card with Aspire, I did not notice them untill the amount of my regular payment doubled. I contacted Aspire to the charges made, filled out all required paperwork and sent back, mean while was told ", I still had to make the payment amount untill the fraud investigation was over which was double what I paid before the charges were made. At this point it had been over a month and still being billed for those charges plus interest with no word, I called again when the charges were still there and refused to pay again for them, I was told the investigator made a decision and it was in the mail and I'd receive it within 10 business days, a month and half later still no letter, so I quit paying all together and they told me I would be responsible for late fees and the payment. I went on line to look up the businesses where the charges were made and they come up with no business information and they don't exist, they were for the same amount or 4 cents off. # 1 XXXX XXXX XXXX {$99.00} # 2 XXXX XXXX {$4.00} & {$99.00} # 3 XXXX XXXX {$99.00} # 4 XXXX {$99.00} # 5 XXXX XXXX XXXX XXXX {$99.00} These are not common with my previous charging history and they don't exist but yet there Investigators denied my claim, never sent me notice, has put a derogatory mark on my credit report, and are still adding charges to my account, and I do not have access to either accounts because they told me I had to cut up my cards and send them back due to my request to close my account which never was said by me and yet they have new account numbers for my accounts and I never received any cards for those accounts but still required to pay.
01/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92011	Web	Servicemember
I moved into a rental with my XXXX old son and needed an alarm system for safety. I contacted XXXX and setup an install. When the tech installed the system I filled out paperwork with him for the equipment. I setup autopay with XXXX and every month they took payment from me. I received a call saying I was behind on payments for equipment. I told the customer service representative that cant be I'm on autopay. I sent her the autopayments and she explained XXXX and the equipment were XXXX separate payments Once for XXXX and the other Fortiva. Extremely concerned because I had XXXX in the past and it was one payment for equipment and service I checked my credit report and it was on there and three payments were late. I have worked very hard to have good credit. I make payments early and more than the payment amounts. I called Fortiva back and explained this to them and how I am buying a house in XXXX. I paid the balance in full, which was {$1500.00} and the customer service rep said they would send me a letter to remove the account from my credit report. I called back 1.5 months later and they said they would send it and they're not sure what happened. I called again in XXXX worried because my credit score went from a XXXX to XXXX and i do not qualify for a loan with a low interest rate. I was told again it would be sent and it wasnt. In early XXXX, I called and they said they would not be sending me any such letter and no one should have told me that? I dont know why it changed but im incredibly frustrated because i was lied to and never told it was two separate accounts. i would have paid it. i have 13 years of perfect credit history and payments.
05/29/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75240	Web
Hello, I paid my balance off in full of {$370.00} it processed and posted on the XXXX of XXXX. Putting my credit balance at a {$0.00} and giving me an available credit to use of {$400.00}. Then they went ahead and gave me a credit line increase of {$200.00}. Now I have a credit limit of {$600.00}. A supervisor released {$200.00} dollars to me and told me the rest of my credit to use would be on the XXXX of XXXX. But as of this moment my balance is {$220.00}. With an available credit of NEGATIVE {$130.00}. And then tell me that I owe them XXXX. If I owed them {$130.00} then my credit Balance would be {$730.00}. Negatives on a credit card means the bank owes you money not the other way around. But when I call the automated system it say I have a balance of XXXX and a credit line to use of XXXX and some change. ( EVERYTHING IS SCREEN SHOTTED FOR EVIDENCE ). Then when I ask for this issue to be fix and get my account at the numbers it needs to be and release the credits on my account or get it in good standing and close it all together they leave the chat hang up the phone or disregard ANYTHING THAT IM SAYING as if Im not even saying it. NONE OF THEIR MATH ADDS UP. NOT A PIECE OF IT. Then they say its because of the pending charges..no.those pending charges we from my last balance they take it immediately out of my account as a authorization hold.so that money had been deducted already just not posted. They keep running me in circles and ultimately Im 100 % sure this is a scammers site. And they need to be investigated IMMEDIATELY being that their app is synced to third party sites for promotions..DO NOT PROMOTE THIS COMPANY. ASPIRE CREDIT CARD!!!!!
11/17/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	FL 326XX	Web	Older American
I received notice from XXXX that a new credit card had been opened in my name the 1st week of XXXX. I had not applied for any new credit cards. Upon reviewing my account, I learned that a 0 % interest retail loan that existed with the company called Fortiva with a remaining balance in the amount of {$1600.00} had been transferred to a Fortiva Credit Card with a purchase interest rate of 25.99 %. The transfer was made at the existing 0 % interest rate. The Total Credit Line of the Retail Loan was {$4000.00}. The Total Credit Line of the Credit card was reduced to {$2000.00}. Fortiva is issued by the XXXX XXXX XXXX. This transfer occurred because I had not OPTED OUT of this change of terms. The notification to OPT OUT was delivered by email and had a limited time frame within which I would have to OPT OUT. I never read this email. When I called the company I spoke with the consumer representative and her supervisor. Both reiterated that the fault was MINE due to my having not read the company generated email and OPTED OUT! Why am I complaining? Deceptive marketing tactics. The previous Retail Loan was setup with a monthly auto-deduct payment requiring no real time oversight on my part. Had I been required to OPT IN, I would have declined as I do not need or want another credit card. If I had a medical issue that prevented me from managing my emails this would have occurred. Likely there are consumers that this has happened to. The Fortiva representatives call this action an Upgrade. It is NOT! It has decreased my total credit line and dinged my credit score by creating a new credit card liability that I did not ask for and do not want.
04/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NY 10456	Web
I had a credit card with Aspire for a year and one month. I have always made my payments on time and whenever I was unable to make a payment on time ( due to COVID-19 and the current financial hardships of this country ) I informed the company well ahead of time. I most recently made two payments in XXXX XXXX XXXX. I received a notification from a credit report app I use in connection with my checking account that stated my Aspire account was closed. I never received a notice from Aspire with a warning that my account would be closed due to it being {$30.00} over the limit. I have never heard of Aspires policy of closing an account that has been over the credit limit for some time. I have contacted Aspire via phone various times in regards to late payments or the status of my account and I was never informed of any of this. Even when I informed them of a payment that would be received late, they never gave me a heads up that this could be a possibility. I contacted Aspire today ( XX/XX/2023 ) and they confirmed the closure of my account and then decided to inform me of the closure policy. They said this account could not be reopened but they could submit a request. I declined the request due to their bad business and my distaste for the lack of communication. I am looking to have this removed from my credit report, as I know this account closure can negatively affect my report and score. Aspire claims I still owe about {$300.00} but I refuse to pay for an account that I will no longer have access to. I made payments in XX/XX/2023 that were completely disregarded and I will not continue to spend my limited money on this company.
12/29/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 78244	Web
I took out a loan ( {$480.00} ) with Fortiva XXXX company for an iphone that was merged with XXXX company. The loan was for 6 months at {$35.00} per month beginning XXXX/XXXX/2015. I made my payment through my online banking system XXXX ( XXXX XXXX XXXX XXXX XXXX, the online banking sends a check ( check # XXXX ) was mailed to Fortiva XXXX in the amount of {$100.00}. The address mailed to was XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Fortiva company cashed the check and it cleared in my bank account on XXXX/XXXX/15. Company sent a text on XXXX XXXX, 2015 saying that my payment was due on XXXX/XXXX/2015. I contacted the company on XXXX/XXXX/2015 and spoke with representative XXXX, and informed him that my payment was sent and check cleared in my bank on XXXX/XXXX/2015. He asked me to fax a copy of the check that cleared in my account. I faxed a copy of cleared check to Fortiva Research department fax # XXXX immediately ( XXXX/XXXX/2015 ). I followed up with a call to make sure they received my fax. They confirmed that fax was received. I followed up a few days later again, and representative told me that it 's still in payment research. Today, XXXX/XXXX/2015, I received a call from the representative saying that they did n't receive payment and it 's past due. I spoke with supervisor XXXX XXXX and he assured me that this issue will be cleared up in a day or two from him personally and he will give me a call back. I 'm filing my complaint now because I read online that someone else had the same issue with Fortiva XXXX and they have ruined their credit. I 'm taking precautionary measures before this is reported on my credit account.
09/13/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	IL 600XX	Web
On XX/XX/XXXX at XXXX hours, I was dispatched to the XXXX Police Department lobby for an Identity Theft report. Upon arrival, I spoke to the victim/complainant XXXX XXXX XXXX XXXX XXXX XXXX. who reported an unknown offender opened up a credit card fraudulently using her name. XXXX said on XX/XX/XXXX she received a text message alert from XXXX XXXX and XXXX Credit Bureau which alerted her a charge of {$3800.00} was made on her Fortiva Credit Card. XXXX said she contacted Fortiva Credit and advised the customer service employee she has never applied or opened a Fortiva Credit Card Account. XXXX said the Fortiva employee advised her the account was opened on XX/XX/XXXX using her information such as her name, address, and social security number. The Fortiva Credit Card ( Account # XXXX ) was approved for {$5000.00}. XXXX said the Fortiva employee also advised her the {$3800.00} charge was made at XXXX XXXX XXXX XXXX. It is unknown how the purchase was made, or which location the purchase was made at. XXXX said the Fortiva employee advised her the fraudulent account in her name was closed. XXXX said she has no financial loss. XXXX will sign complaints if the unknown offender is identified. I gave XXXX a pamphlet on Identity Theft and provided her with advice. Reporting of this incident was recorded on my body camera. On XX/XX/XXXX at XXXX hours, I contacted XXXX XXXX XXXX XXXX XXXX cell phone and provided her with information and direction on how to submit information/report to FBI IC3 and FTC. XXXX was satisfied and said she would contact the police department if she had any further questions or needed assistance.
07/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	TX 77339	Web
I use to have an account with XXXX XXXX XXXX but I completely closed my account in 2021. MyFortiva Credit card decided to send me an active credit line of XXXX in my name claiming since I have been such a great customer I was rewarded a line of credit. I did not apply, consent, or want this credit card in any way. I called and they told me even over the phone that I did in fact close the account with XXXX in 2021. I immediately did a credit report and saw that this XXXX credit card was on it. Something, I did not apply for. They begin to tell me that I received emails that I am getting a new credit card in the mail and if I saw them. They even begin to tell me that it should not be a hard inquiry on my credit. I begin to tell them that there should not be an inquiry at all take it that I did not apply for the credit card. They even told me that they know I did not apply for the credit card but proceeded to send it to me because I had a good standing with XXXX. Again, not a credit card I applied for or wanted and that is now on my credit report. I was told to send my issues to an email and describing the situation to them and that they will get back to me in 1-2 business days with their investigation and final decision. Again, a credit line I DID NOT apply for or agree to. I am currently contacting them for the third time and sending my issues to this email they provided to me and I have made it clear to them about what they did was illegal and made clear The Truth In Lending Act. What I found to be also strange that they knew my new address of where I lived on top of it as I lived in another address when I used XXXX.
07/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 95630	Web
Dear XXXX, Effective immediately, your Aspire Credit Card credit limit has been decreased to {$100.00}. On XX/XX/XXXX, your account will be closed to further transactions. XX/XX/XXXX Account ending in : XXXX Please note that if you have a balance, even though your account is closed, you are obligated to pay us at least the minimum payment on your account in a timely manner. In addition, in accordance with your Cardholder Agreement, as long as your account has an outstanding balance, you will be billed an annual fee on the anniversary date of the opening of your account and you will be billed an account maintenance fee each month. You will continue to receive monthly billing statements until your account is paid in full. Please stop all automatic charges from utility companies, Internet providers, and other retailers or merchants to your account immediately. Your experience with Aspire is important to us. If you have any questions or comments, please call our Customer Service team at XXXX Monday through Sunday from XXXX a.m. to XXXX a.m. EST ( Eastern Standard Time ). Thank you for choosing Aspire! Sincerely, Aspire Customer Service Please do not reply to this e-mail as we are not able to respond to messages sent to this address. Banking services are provided by XXXXXXXX XXXX XXXX XXXX XXXX, MO, Member FDIC. The Aspire Banking Debit and Aspire Credit Cards are issued by The XXXX XXXX XXXX pursuant to a license from XXXX and may be used everywhere XXXX debit cards and credit cards are accepted. XXXX All rights reserved. XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30909	Web	Servicemember
The following inquiry was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. FORTIVA/XXXX Inquired on XX/XX/XXXX Business Type : All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX
03/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	AL 352XX	Web
Hello I need help with disputing XXXX credit card company I have been trying to get help on charges that are placed on my account that are not true and Im getting heavily fined for the amount of XXXX every month in late fees also interest purchase fees and regular interest fees as well also account maintenance fees every month thats additional to the regular amount thats due Im not late on the bill I found out they gave me late charges because of me not paying my bill on the XXXX of each month Instead I was paying it too early on the XXXX or XXXX of each month so therefore I got charged every month since I opened the account and thats why I could never pay it down please help me or point me in the right direction I called several times last month and now Im in this month with no help I talk with several representatives on XXXX and a supervisor who told me they would go sheet And waive the late fee for XXXX not today on XXXX XXXX at XXXX Im being told no they cant do it I was told that in XXXX if I go ahead and pay the minimum of XXXX then I wouldnt have to pay XXXX late fee if XXXX not that has changed I will never post this card off because they keep hitting me with all the hidden fees and scam charges in fees, interest Etc I also got hit with the over the limit fee because my fee and interest fees keep making my account go over the limit when Im not my credit line is XXXX with my current balance is XXXX and credit limit as of yesterday was XXXX but today XX/XX/XXXX it has miraculously changed to XXXX so they basically got me paying outlandish fees month and I havent used the card for purchase since XXXX of XXXX
11/13/2017	No	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	MD 21703	Web
I established an online retail credit account through XXXX XXXX 's website on XXXX/XXXX/XXXX. This was regarding a treadmill purchase. I was financed through XXXX XXXXXXXX XXXX and it was not under the terms advertised under the XXXX XXXX website. I have called XXXX XXXXXXXX XXXX on XXXX recent occasions in XXXX XXXX since receiving my statement. I also followed-up through email directly to XXXX XXXXXXXX XXXX on XXXX/XXXX/XXXX. So far no action has been taken by XXXX or XXXX XXXX. The account that I set-up on the XXXX XXXX website was for 18 months, with no interest. My XXXX XXXX XXXX account is not showing a 0 % interest rate- as advertised and agreed to. My current APR is showing as 29.99 % which is incorrect. Please see the terms below on the XXXX XXXX Website. " No interest if Paid in Full within 18 Months : To avoid interest, you must pay the full promo balance before the promo period ends. If you do not, we will charge interest from the purchase date at the standard Purchase APR. After the promo period ends, the standard APR also applies to the remaining balance and the charged interest. You are required to make minimum payments, but minimum payments will not pay off the balance on time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum monthly payment and excludes taxes, delivery, or other charges. Limited Time Offer. Regular account terms apply to non-promo purchases. Minimum interest charge : {$1.00}. Standard Purchase APR : 29.99 %. Prior purchases excluded.Account must be in good standing. Subject to credit approval. ''
11/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06033	Web	Older American
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX/ATLS/FORTIVA is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
08/30/2023	Yes	Credit card Store credit card	Problem when making payments Problem during payment process	DE 19803	Web
The is for my Fortiva Financial Credit Card I have.I currently have 2 credit cards from fortiva which are XXXX and my XXXX.My problem is, I always had made my payments on time.It seem like everytime I call to make a payment, they tell me I am late.They always tell me I need more money than I know is due.Its gotten to the point where I have lost all hope with these people and have decided to see about working an arrangement of some sort with the Financial Company, and nobody wants to help me rectify the issue.There is such a language barrier when communicating with the company, that I can't make head or tail by what is being said.Please don't take me saying this as being insulting because I believe everyone should have the same opportunity as I in this country. My concern is how I am receiving the information from the customer service reps.I don't have time to sit on the phone and say over and over again " what did you say'.This becomes frustrating. All I want to do, is pay my bill and get the right information when I call.My credit is suffering greatly due to their negligence.I make plenty of money to afford my bills, I however can't afford extra fees on top of my balance because I can't understand anyone to the point of getting my account under control to know exactly what the balance is and when the next payment is due. I DONT EVEN GET A BILL HALF THE TIME.Please I need someone to call me and straighten this out. My word and my credit is on the line, and it is for all the wrong reasons. It's not that I can't pay my bill, it that I keep getting the wrong information everytime I call.Thank you.
09/06/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IN 46226	Web
I am enrolled in credit protection, I was approved for credit protection. Per the Credit protection ADDENDUM, Fortiva will make the minimum payments due for 6 months if need be.. Fortiva did not make the minimum payment XX/XX/2023 nor are they willing to make the minimum payment for XX/XX/2023. The minimum payment due XX/XX/2023 is XXXX they are willing to only pay {$88.00} leaving a balance of XXXX so they can report my account as late to the credit bureaus, Again. XX/XX/2023 my payment due was XXXX they made a payment XX/XX/2023 of XXXX left a balance and reported my account late to the credit beaureas. I disputed it with the credit bureaus and they sided with Fortiva. This is what is in their Addendum. i copied ands pasted it. Minimum Payment Benefit : During a Minimum Payment Benefit Period, your responsibility to make a minimum payment on your Account is eliminated ( excluding any past due or over-limit amounts ) as a result of your activation of a Benefit for Involuntary Job Loss, Disability, or Hospitalization. We will not bill your Account for Fortiva Credit Protection Fees, and we will make any minimum payments due on your behalf during the Minimum Payment Benefit Period. However, finance charges will continue to accrue during the Minimum Payment Benefit Period. Any scheduled annual fee provided for in your Agreement will be deferred until the Minimum Payment Benefit Period has ended. Once the Minimum Payment Benefit Period has ended you will be obligated to repay the amount outstanding on your Account, including any charges posted during the Minimum Payment Benefit Period.
03/31/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	TX 754XX	Web
I applied for the XXXX. When I filled out the information it asked for my current address so I entered my XXXX address - where I have lived since XX/XX/XXXX. It also asked for my former address- i sold the house in XXXX in XX/XX/XXXX - The card has been sent to the XXXX address. I immediately contacted someone at Aspire, and was told I had to wait 30 days and they could not change my address. I have called numerous time and had several online chats to get this fixed. They send me a link that would not work, so I could submit a utility bill and a copy of my drivers license. I was finally given an email address to send the information. I submit XXXX utility bills and a copy of my DL to show my address, on XX/XX/XXXX.. I have been told soo many things, it will take 30 days, then it was 5 days and this weekend it was XXXX days. XX/XX/XXXX I have contacted again via chat and was told it was just sent to have the address changed. When I called today. It was told they could not change my address because the documentation I provided was invalid. Even though I provided a copy of my spectrum address and a copy of credit card bill address. AND my drivers license. I have attempted on numerous occasions to have my address corrected and it's falling on deaf ears. I have repeatedly let them know it felt fraudulent that something felt off.. I asked to speak to someone state side, and was denied. I was even told by a rep to drive to my house in XXXX to get the card, I let the rep know that's not legal, or how we do things in the states. I don't know what to do. I do not this to negatively effect me.
06/17/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 75056	Web	Servicemember
Fortiva calls from the number provided 3+ times a day. XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX. Every 2-3 hours I recieve a phone call. I have told them numerous times that I am at work during these times and am unable to answer the phone calls at this time. My wife, who handles my account with them had confirmation from the company that my account and her account were both in good standing but the calls continued. Finally had a chance to answer the call today and they said I owed {$1.00}. Yes, you are reading this correctly, XXXX phone calls a day for {$1.00}, XXXX dollar, not XXXX XXXX dollars, XXXX DOLLAR. After authorizing them to take this dollar, I called the company to file a complaint about their frequent phone calls and the fact it was {$1.00} and why we were told we were in good standings. Asked for a manager, got put through to a lady named XXXX, who was not a manager, then got put through to XXXX, who said he was a manager, he kept saying there is nothing he can do about their collections policy and has no control over it and that the dollar warrants the calls, when I would not accept that as a valid reason for the continued harassments he without telling me, put me on hold and transferred me to XXXX who parroted everything he said. These people and this company doesn't realize that to pay a debt I need to work and them taking this time away keeps me from making money to pay their {$1.00} that will make or break their company. So here I am today, taking a day out of not making money to deal with their ridiculous business practices over {$1.00}.
07/01/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 727XX	Web
My account is being reported as 30 days late from XXXX in XXXX from a bank error. This issue was raised back in XXXX when the inaccurate data first showed up on my report and was corrected. Recently the account has been reported 30 days late from that same time in XXXX of XXXX. I call to correct this error and it is temporarily corrected until the next statement cycle occurs. The previous CFPB Case number : XXXX Company Response : Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your Fortiva Credit Card account. Thank you for the opportunity to respond. On XX/XX/XXXX, our records indicate that you spoke to MrXXXX XXXX regarding the concerns you were having related to the billing of account maintenance fees that caused your account to go past due. As a courtesy, Mr. XXXX advised that we have waived a late fee in the amount of {$10.00} and we have advised the credit bureaus to show your account as never past due. As a reminder, pursuant to the terms of your Cardholder Agreement, an account maintenance fee is billed to your Account each month as long as your Account is open, or you have an outstanding balance. Sincerely, XXXX XXXX On behalf of Fortiva Credit Card* *XXXX XXXX XXXX XXXX is the creditor of the Fortiva Credit Card account XXXX I also have attached a screenshot of my current credit reporting from FORTIVA and pulled my Tri-Bureau report from Q4 of XXXX to show the change that has occurred in the reporting. I have attached a letter from FORTIVA indicating the credit file is reporting no delinquencies.
09/06/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	SC 29154	Web	Servicemember
I used my aspire card for groceries, paying the bill in full after each use. On one occasion, I had used the wrong card, so I pulled the money in cash from my aspire card. The first pull did not work, so I tried again. I spoke with a rep who told me to try another atm. I did, and successfully withdrew one cash advance. I went to use the card, only to find my card declined. I checked the balance and it said I owed XXXX, which is over my limit. I spoke to one rep, who said my acct was closed due to inactivity. That didn't seem right, so I called in, the sup on duty told me I had to pay the XXXX, and my acct closure was permanent. Still no reason as to why my acct was closed. I spoke with the atm company where the cash withdrawals failed, and they said to file a dispute. I called aspire and got the paperwork. Still no reason for closure. Filed the dispute, and went to check on the status today. Both atm withdrawals that were declined were put back into the acct. Called to inquire again as to why my acct was closed. Told I should have been more responsible. Spoke to the sup on duty, who just kept repeating that it is in the cardholder agreement that they don't have to tell me. If those were fraudulent charges, as a consumer, I would have been being punished, and forced to either pay or deal with the dispute process and hope for the best, while still having no clear answer as to why. Now my credit is going to take a hit, and I still have no answer as to why. The reps were for the most part rude, unsympathetic, and as a whole, had no interest in actually helping me
12/29/2023	Yes	Credit card Store credit card	Closing your account Company closed your account	WI 53218	Web
XX/XX/2022 This company is a fraud and scale. They told me they would. They were putting me in a program where I would pay {$50.00} a month with no interest in. And I'm still paying interest on this company. I paid a {$50.00} every month and somehow. I looked at the count today. The interest is still paying. So I called the company and talked to someone. That person told me that this company never put me in the program. So I'm still paying interest. They're not sticking to they bargain What they sent to me from XXXX And it's like when they took gave me a XXXX XXXX it went right back on, so I'm never gon na get out of debt with this company. I'm just don't understand how you can tell customers one thing, and do something different it's sad that I can't get the help and the young lady told me. I was never signed up in no program at all and when I contacted them regarding about what letter that was sent to me. And I even emailed it to the company as well. No one still reached out and tried to help me. This company is really scamming me and I don't have it. They shouldn't have lied and told me. That was putting me in the program where they keep hitting. My critic report multiple dives. No company should be able to keep putting. The same thing on your credit report. XXXX times each month they report the account is closed and they keep charging interest and taking my credit score down. Lower and lower someone. Please help me with this situation. Because this company is not sticking to what they said about the program that they were talking about me paying back.
11/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	AZ 863XX	Web	Older American, Servicemember
I closed this Aspire XXXX XXXX Credit carsd account several weeks ago due to fraudulent use by an unknown person, and was told by an employee that I could not re-activate it until the end of the billing cycle, today, XX/XX/2022, but today all I get is that there is a payment of {$270.00} due but no one in the XXXX or XXXX knows what the balance is for, and until the card is reactivated I can not sign into the account on-line, and I do not receive paper statements, so now, they are going to start charging me interest at XXXX XXXX or more, AND REFUSE TO TURN MY CARD BACK ON unless I make a Payment I may not actually owe, and I do not know whether it is better to make the payment for an unknown charge and then demand a refund for it, or file a complaint with you.. I not only made multiple calls to their number, which does not go to their offices in XXXX, XXXX but to the XXXX, and even one that was answered in XXXX, XXXX. I THINK THE ONLY WAY THIS OUTSOURCING IS EVER GOING TO CHANGE IS IF AMERICANS DEMAND CONTACT INFORMATION THAT IS NOT OUTSOURCED. I think all American citizens are getting tired of banking and credit card companies outsourcing customer service to offshore companies, and then being asked to provide personal information before they even attempt to provide assistance. And if you ask for a statement they have no way to send it to the United States, they claim, but my fax number works just fine from any country as long as there is a " 1 '' in front of my US number, and my email also works from any country. It just excuses for lack of service.
09/16/2023	Yes	Credit card Store credit card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30047	Web
I am writing to formally dispute an issue I have encountered with XXXXXXXXFORTIVA, regarding their failure to remove a late payment entry from my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in rectifying this matter. I contacted XXXXXXXXFortiva in writing, requesting the removal of a late payment entry on my credit report, which was inaccurately reported. I provided supporting documentation demonstrating that this late payment was erroneous and should be corrected immediately. Under the FCRA, creditors are obliged to investigate disputes and correct any inaccuracies promptly. However, to date, XXXXFORTIVA has not taken any action to correct this error on my credit report, despite the ample evidence I provided. This has had a detrimental impact on my credit score and financial standing, which is causing me significant distress. I kindly request that the Consumer Financial Protection Bureau intervenes in this matter to ensure that XXXXFORTIVA complies with federal law by promptly investigating and correcting this inaccurate reporting on my credit file. I believe this is a clear violation of the FCRA, which mandates that accurate information be reported and that disputes be resolved in a timely manner. I trust that the CFPB will take appropriate measures to address this issue promptly. I appreciate your attention to this matter and look forward to a resolution that ensures the accuracy of my credit report as required by law. Thank you for your assistance in rectifying this.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 762XX	Web
To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with Aspire Credit Card. I had never been late on this credit card and over the XXXX years of having the account. I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. I contacted XXXX and informed them that I would be paying off my balance of XXXX} in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them {XXXX and paying the account off in full. XXXX lied to me as a consumer and I feel that they should be XXXX and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.
02/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 43229	Web	Servicemember
On XX/XX/XXXX, XXXX XXXX was scheduled to come to my home to install floors in 2 bathrooms. As part of the terms, I agreed to a one day install and to purchase the materials. The installer took the last material to be installed, stating he had something that would look better, and that he would return the next day. Since this was my second install with XXXX, and the installer had been to my home before, ( trusted him ) I did sign for completion. The installer never returned to complete the work and never returned the materials I purchased. I contacted the company and the installer directly until XX/XX/XXXX and then I filed the dispute. As of XX/XX/XXXX, the work remains incomplete. The work was to be financed by Fortiva Credit services. On XX/XX/XXXX, I opened a dispute with Fortiva. On XX/XX/XXXX, Fortiva denied my dispute stating I signed the certificate of completion, despite the fact that Id sent pictures showing the work was incomplete. Fortiva has now added this to my credit report for a total of {$1500.00}, for work and materials not provided as agreed. I disputed this on XXXX XXXX on XX/XX/XXXX and was advised today that the item would remain on my credit report. Last XXXX, Fortiva opened a second account in my name, without my full legal name on the card. When I realized this in XXXX, they insisted I opened the account by applying for credit online in XX/XX/XXXX. This is also inaccurate. I was able to close that account after multiple transfers with customer service. Fortiva recently sent my husband, at same address, a credit offer.
02/09/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MA 02148	Web
During the initial COVID-19 shutdown I asked for deferred payments which was granted but interest charges continued to accrue. I dont have dates for the initial call, however the company continued to charge interest and moreover did not accept certain payments as eligible due to the date received because they were between the prior and next billing cycles. Can provide bills and correspondence for this situation. Monday XX/XX/2021 : Received email threatening fees that were not previously agreed to and reporting to credit bureaus. Current balance on the card in question was XXXX. Tuesday XX/XX/2021 : Called customer service line XXXX Customer service escalated situation to the same employee and attempted to change names. Customer service asked for personal information while also admitting they were working for a third party. Customer service refuses to provide a copy of contract between me and company. Claims that phone call was being monitored but could not be provided to consumer under any circumstances. Company refused to allow consumer to also record phone calls. Customer service said they were in XXXX. The credit card itself appears to be legitimate but the company is predatory and refuses to offer the customer any information other than claiming that there is an agreement of which they will not provide any evidence. It is impossible to speak to anybody in the company other than third party customer service representatives. These representatives blatantly lie, are hostile towards consumers, and will redirect any inquiries to dead ends.
03/03/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 44221	Web
I had 4 1/2 appointments with XXXX XXXX and have the email documentation to show this. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to get medical help but the XXXX XXXX tech utilized harassment and intimidation through other jobs to make sure I was unable to get medical help. I tried since XX/XX/XXXX to email XXXX XXXX and tried their corporate to receive no resolution. They may have even allowed other people to come in under my name or for free. I worked hard after divorce/abuse in XXXX to raise my credit score from XXXX to a XXXX. My goal is an 800. I pay to fortiva lending as agreed for the retail credit card. One payment I submitted on time in XXXX of XXXX but it wasnt processed till XXXX XXXX and they charged a late fee though it appeared to be a technical issue of 4 hours. Now that Im asking for help to get money refunded for what I havent used fortiva is neglecting to help and just keeps transferring reps. They were told that ideal image used an unqualified/unlicensed tech and when I reviewed Ohio codes they should be licensed in Ohio. Fortiva is also aware I was assaulted in XXXX XXXX business, then further harassed and intimidated. Can you please find a way to help so I can not effect my credit score badly and not make payments to a place where Im not receiving service and was injured. Its making the trauma related to this worse! Ally lending seems to be helping unlike fortiva. I am hoping this report helps to ensure I do t get hurt further.
06/22/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	SC 29841	Web
On XX/XX/2019 I applied online for a Fortiva XXXX and was approved online that same day. I realized I had made a huge mistake because of the fees involved and the low ( {$700.00} ) credit limit, and the fact that there was an annual fee of {$200.00} plus a {$25.00} authorized user fee for an additional card for my spouse. I attempted to call the company at the only telephone number provided on the initial correspondence ( XXXX ) to cancel the card before it was activated, but the telephone call caused activation of the account. On XX/XX/2019 I wrote a letter to Fortiva requesting cancellation of the cards. The address shown for correspondence on the account is XXXX. XXXX XXXX, XXXX, Georgia XXXX/ I have had no reply to my request. I have not used the cards at all. I received an invoice from Fortiva on or about XX/XX/2019, wherein I was charged an annual fee of {$170.00} and Authorized User Fee of {$25.00}. The new balance amount was {$200.00} with a minimum payment due of {$25.00} due prior to XX/XX/2019. In the cardholder agreement, under " ACCEPTANCE OF THIS AGREEMENT '' it reads " Your activation of your card, your use of the account, or any payment made on the account, evidences your acceptance of the terms of this agreement. '' I called to cancel the card, but my call activated the account. I wrote a letter ( copy attached ) requesting cancellation, but apparently my request was ignored. I do not feel that I am obligated to the company for user fees when I have done everything I know to do to cancel the card before it was activated.
11/03/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WA 99208	Web	Older American
The credit card was opened in my name without my knowledge or permission by my now deceased husband. I found the credit card after his death and contacted the company. Amount owed {$1500.00} Found his user name and printed statement from online ( found another 2 credit cards from this company in husbands name ) XXXX called company and reported fraud XXXX found email from company in husbands email. Called company - they said report to police and send death certificate XXXX Letter from Aspire, account closed & fraud claim report XXXX Letter sent to Depute Resolution Fraud with FTC Report XXXX Letter from Aspire, again, acct closed & Fraud report 14 days to respond. Note, I was in hospital & ER after total XXXX XXXX and could not reply XXXX Aspire letter, now calls this " unauthorized activity '' & I didn't reply in time, therefore I am responsible XXXX mailed, using their envelope, fraud claim form, my XX/XX/XXXX letter, FTC report, Police report XXXX Called and explained hospital & convelescent, FTC Report etc. Told to start over and fax. Immediately FAX Letters, notes, FTC & Police Report, Fraud form and asked this be removed from my credit report. XXXX Called to check status. Told, not in my favor. Verified account opened using XXXX email and mobile phone. Advised no estate, no probate, no assets. XXXX XXXX XXXX letter dated XXXX stating 1 ) family benefited 2 ) Card sent to fraud claim address 3 ) Aspire will not intervene in civil issue nor be able to make assumptions activity was fraudulent 4 ) therefore I am responsible for balance
02/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33470	Web
I purchased exercise equipment from XXXX on XX/XX/XXXX and charged it to my XXXX account ending in XXXX. Shipment was delayed for the equipment, so I CANCELLED the purchase on or about XX/XX/XXXX because I HAD NOT received the equipment. Sometime in late XXXX, I received phone calls from XXXX requesting payment. I advised them that the account balance should be XXXX as I had cancelled the transaction and never received the equipment. Although, the representative was amicable, documentation must have been overlooked, because I have received repeated calls from XXXX requesting payment for a purchase that I never completed and am being threatened with late fees and negative credit bureau reporting. I provided XXXX the Cancellation Confirmation number form XXXX and advised them that XXXX told me that the return would be processed on or around XX/XX/XXXX. I am most definitely planning on reporting XXXX XXXX lax return processing tactic to the appropriate agency, but at this time I need XXXX to STOP harassing me for payment on a credit line that has XXXX balance. The Cancellation/Return Confirmation number provided by XXXX is XXXX. I am expecting that the amount due on the credit line will be XXXX and NO late or processing fees will be added to inconvenience me. In addition, I am expecting that NO negative reports be made on my credit file as I DO NOT OWE monies for equipment that I did not receive. These two merchants should have better communication protocols between each other that do NOT include harassing and inconveniencing consumers.
11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NH 03102	Web
On XX/XX/XXXX\| received a pre approved credit card offer from " aspire '' bank that said to scan the XXXX code provided to find out more information. I did as so. After reading through they outrageous annual and monthly fees I declined the off and did not submit an application. The next day " XXXX/ASPIRE '' showed up on my credit report as a hard inquiry. I am trying to rebuild my credit score and even a small hard inquiry is a big deal to me. Especially since it was a pre approved offer and an offer I declined to take. I feel like I was wrongfully taken advantage of by this company. On Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response CFPB # XXXX Dear XXXX XXXX XXXX We are in receipt of your correspondence to the Consumer Financial Protection bureau regarding an Aspire pre-approved Credit Card offer that you received at your address. Per your request, this will confirm that we have updated our records to stop mailing credit card offers to you at your above referenced address. Please allow up to 60 days for the block to take effect due to existing mailing campaigns in progress. Additionally, a request has been submitted to the credit bureaus to remove the inquiry as we understand it wasn't your intention to submit a credit card application. Thank you for the opportunity to respond. Sincerely, XXXX XXXX., Executive Correspondence Specialist On behalf of Aspire Credit Card XXXX XXXX XXXX XXXX is the issuer of the Aspire Credit Card account As of XX/XX/XXXX they have done none of the above!
04/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 44087	Web
XXXX {$340.00} XX/XX/XXXX {$440.00} XXXX XX/XX/XXXX Called way back in XXXX of XXXX to report these charges were fraud and not recognized on my account. Filled out dispuite forms sent them in and waited months and months to here from someone despite calling several times. I was not in possession of my aspire card at the time of the transactions I called and reported these I received a bill in XXXX that had a credit balance of {$1100.00} on XX/XX/XXXX XXXX statement had a balance of XXXX cents this after several charges went through. I get my XXXX statement and the balance is {$780.00} I called in to see what these charges were since everything had cleared my account in XXXX and I had no balance and hadent used the card. I was told several different things non of which is correct. Aspire has added on late fees and interest charges to this balance that is not oqrd to them. When I called in asking why these charges were back on my account I got a nasty person who stated they were not going to be removing these charges cause I had logged into aspire platform for the previous three months when I tried to explain to her that the charges weren't on the XXXX or XXXX statement and that when I saw them on XXXX Imiditely called them she refused to listen to me they coled my account out cause I refused to pay for bogus charges. And reported this to the credit buro I want my account reopened charges removed and report as current to the credit burro. I reported these charges in a timely manor and recived little to no help from aspire card.
03/16/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MD 21921	Web
I had a credit card account with XXXX Credit Card company which I paid in full on XX/XX/2019 and sent a certified letter to them on XX/XX/2019 asking them to close my account. On XX/XX/2019 I returned camera equipment to XXXX, XXXX and even though my XXXX account was paid in full and I had requested in closed they issued a credit to the credit card anyone as that it was I used for the original purchase. This credit was issued to XXXX by XXXX on XX/XX/2019. This left me with a credit balance on a closed XXXX Credit Card of {$3400.00}. I mailed a certified letter to XXXX, per their requirements, on XX/XX/2019 requested a refund check be mailed to me as soon as possible. As I had not heard from them I called them Saturday, XX/XX/XXXX and was told by Customer Service that they had requested the check be printed and it should be printed by XX/XX/2019. I waited until XX/XX/2019 and as I had still not received a check I called again. This time I was told the check had been mailed on XX/XX/XXXX and it should be delivered by the end of day on XX/XX/XXXX. When I had not received it in the mail on XX/XX/2019 I called again and was told that if I had not received it by XX/XX/2019 I should call them on XX/XX/2019 and request another check be sent. At this point I do not believe they have made an effort to refund this money. They are in Georgia and I am in Maryland and even with today 's mail service it does not take that long for a check to be sent through the mail. I would appreciate help in getting my refund as soon as possible.
07/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	OK 73115	Web	Servicemember
I originally made a complaint about this in XXXX. The CFPB received a response from Aspire that was riddled with lies, but instead of pursing the claim, the facts, and addressing the issue, the CFPB just closed the case. I'm going to keep opening this until the CFPB does what it is obligated todo : investigate and take action against predatory companies. On XX/XX/2022 I received a physical document from Aspire credit card stating that I had been pre approved for a credit card and directing me to accept the card by completing a document on www.aspirecreditcard.com. Upon completion it did a hard inquiry of my credit report with XXXX which resulted in my credit score dropping from XXXX to XXXX ( according to XXXX ). The website generated a message stating that it would not grant the credit card, and autogenerated an email stating that my credit score had changed since the offer was sent and they would not honor the guaranteed, preapproved credit card. Now, I'm stuck with a hard inquiry on my credit report which has an actual monetary consequence to me. Various interest rates are dictated by my credit score so a XXXX point drop in my credit score may cost me XXXX of dollars in the next two years ( the time it takes the hard inquiry to drop from credit report ), and Aspire has just lied to me and caused monetary damage to me. Further, they provide no mechanism for addressing the issue. The phone number listed on the document and their website leads to an automated call answering system with only a set of recorded responses.
11/22/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AR 72120	Web	Older American, Servicemember
In XXXX 2017 I purchased a treadmill from XXXX XXXX because they promised no interest. I applied for their revolving account which it turns out FORTIVA is the lender. Which I was not aware of until I received the approval. When I was approved AT NO TIME was I advised that the NO interest offer would not be honored. I contacted FORTIVA XX/XX/XXXX to advise them of the error. FORTIVA is telling me they will not honor the no interest offer. They say they are a 2nd tier financier. When I applied and was approved by Fortiva they DID NOT disclose that they were not honoring the no interest offer. I would have never bought the treadmill or would have put it on my personal credit card if I knew I had to pay over 20 % interest! I contacted Fortiva XX/XX/XXXX To request that they honor the no interest offer as advertised. They declined. They said I was emailed credit terms. This is not true. I never received anything by email but an approval with no credit terms detailed. I received a paper bill from Fortiva with verbiage about promotional offers but the offer has not been applied to my account, Fortiva even asked me to write a review. I did, detailing their poor business practices. They emailed me that they will not publish the review. Fortiva should be allowed to bait people with promises of no interest and then charge them a ridiculous amount of interest over 20 %. I am paying for the treadmill as quickly as I can, but have already been charged {$300.00} interest. I want the interest payments credited to my account
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
XX/XX/XXXX Good Morning, Request for Deletion of Collection with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between XXXX/ASPIRE and XXXX XXXX XXXX. As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
03/09/2016	Yes	Credit card	Billing disputes	MD 20874	Web
My Fortiva credit card payment is due on the XXXX of each month. I paid my account via by bank 's bill pay feature on XXXX/XXXX/16. The bank verified that they mailed a check to Fortiva on XXXX/XXXX/16. On XXXX/XXXX/16, I received a call from Fortiva claiming that my account had not be paid and asking me to prepay for my XXXX XXXX payment. I called my bank, and they verified that payment was sent and even called Fortiva with me on the line to confirm that payment was XXXX Fortiva rep said that it may take 7 to 10 days for the payment to poast, and she would notate the account that payment was processing. Later on the XXXX/XXXX/16, I received yet another demand for payment call from Fortiva. I was told that I had to set up automatic recurring payments to ensure that my payments are processed on time because check payments do not post for 7 to 10 days even if they are received by the due date, and if the payment has n't posted, I will receive demand calls until it does. I feel that this is abusive behavior by Fortiva in an attempt to force me to set up automatic payments rather than using my bank or paying my mail. Fortiva seems to be holding onto checks and claiming that they have n't been received in an attempt to charge late fees and force consumers to give them banking account information. I was forced to make another payment to stop the phone calls, so I 've essentially paid Fortiva twice this month as my bank has already debited the original payment amount from my account.
08/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30331	Web
This company informed me via telephone that if I paid the total remaining amount that the negative reports would be removed because it was a clerical error as to why it was not automatically taken out to begin with. All they did was apologize and not fix the reporting. Dealing with a call center I asked for a research request in regards to the phone call complaining about the fact they weren't collecting my payments as well as the fact that I made a large payment and it was supposed to be deleted completely. Neither of these took place and I've made a minimum a 5 phone calls to get a resolution and I have not received a call yet. It is reporting correctly only because of the fact that their system was not taking my payments nor was I notified of any payments not being received until I reached out to them. The person who notes my account on my credit profile used ALL CAPS when saying my payments were late and attached my ledger of payments to for all lenders to see. This is completely against the Fair Reporting Act especially since they are refusing to pull the call of them being at fault. This is a false narrative of the type of borrower I am and I am completely disgusted as to how I keep being read scripts without any return communication or resolve. Whenever they changed the terms of my contract they did something to my account. They closed it as well before any late payments were made or reported. It's not even reporting consistently throughout the 3 Credit Bureaus.
07/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	WA 983XX	Web
I had ( 2 ) open credit card accounts with Fortiva. Each card has incurred a monthly service charge and once a year an annual fee. I originally applied to these credit cards in an effort to build my credit and to show more available credit as eventually I would like to buy a home. I have used the credit cards minimally, have always paid monthly balances on time, and as mentioned above, even without charging pay the monthly service charge and an annual fee. I received emails yesterday informing me that because I have not used my cards in a while, that they are closing them. When I spoke to customer service this morning they informed me that not only could I not have them reopened, and that they would be reporting to the credit bureau as a " negative '' that these accounts were closed. I have several credit cards, and none have ever penalized me for " inactivity '' and reported negatively to the credit bureaus. I feel like I have been penalized for exhibiting responsible credit behavior by Fortiva and their emails informing me they closed my accounts occurred on the same day that the Federal Reserve raised interest rates. Between both accounts, I paid close to {$23.00} a month in service charges and annual fees just to show the available credit. I planned to close the accounts once I was able to purchase a home. It seems to me that I have been ripped off by this company month after month and that now it's going to affect me negatively on my credit reports.
06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between XXXXASPIRE and XXXX XXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement. Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
10/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 90062	Web
I was charged for a " credit protection fee '' which took me over my limit by {$10.00}, and I added additional funds to my account the same day to cover this issue. Aspire reported that overage to credit bureaus about 2 days later. Since I have never been late or gone over in the past, and this occurred due to a fee ( should I not have been " protected ''? ) I was hoping to write them a goodwill letter, requesting that they review my account and possibly forgive this minor error. When I contacted the company they refused to give me an address stating that " under fair credit reporting act we report to credit every 30 days '' which had nothing to do with what I was asking. I realize that they aren't under any obligation to offer the forgiveness, but I've never heard of not allowing someone to even ask for it. As far as the charge that overdrew me -- I do not believe I even signed up for credit protection, but no one will assist me with this issue. As a single parent to a child with special needs, I believe Aspire is preying on people like myself who are not in the best financial situation, but hoping to improve it. I also believe the term " credit protection '' is intentionally misleading/a misnomer. My credit was not protected by this " service '' it was actually quite the opposite. I have not missed a payment, been late, or gone over my limit on any card I have in the 2 years that I've been building my credit, now I am at my lowest score in that time period.
01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Aspire/XXXX and XXXX XXXX XXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
03/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 30238	Web
Fraudulent credit card purchases were made using my Aspire credit card account. On XX/XX/2023 a charge of {$1000.00} at XXXX XXXX XXXX XXXX was made and on XX/XX/2023 a charge of XXXX at XXXX XXXX XXXX was made that I DID NOT DO. Then there were multiple denied charges because there wasnt enough available credit after the robber used up most of the money. I filed a fraudulent charge affidavit but I was still denied because the merchant claims I didnt report the card stolen in time and I logged in around the same time the purchases were made but this is NOT TRUE. I reported the card stolen soon as I found out about the charges the very next day when I got an email describing authorized charges. If the merchant had thoroughly checked the IP address of the log in & the device that was used they will clearly see that it wasnt the same one I have always used when the account was first opened. I did not log in until I received the email about the charges on XX/XX/2023 at XXXX, anybody else around that time frame was not me and came from a different device & IP. The fraudulent charges were made in New York but yet I live in Georgia. I dont know what type of data breach has happened on the merchants end but I just want this to be resolved because I deserve some justice and there needs to be an investigation on who really stole my information. Please refund the money back to the account, I am a victim of FRAUD here & did not share my information with anyone.
09/01/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 956XX	Web
For the past 6 months I have made a phone call every month, requesting my payment date be changed. My payment date was originally the XXXX of each month. I had a XXXX and went on XXXX, where I only get paid on the XXXX of each month. The credit card company told me they would change the due date to the XXXX, but I had to " unfortunately, this one time make the late payment '' to get my account up to date in order to change the payment due date. I paid the monthly payment and the late fee which totals XXXX XXXX They said two billing cycles and it would change. Each month I paid the late fee for the two billing cycles. The payment due date never changed. Each month for the past 6 months I called, I emailed, I sent letters. Each response was the same. " Pay the late fee this one time and we will initiate the payment due date change ''. 6 months later, they've taken {$310.00} dollars in late fees and charged me {$70.00} dollars interest on those fees. I've spoken to many different associates who tell me there's nothing they can do. My credit limit is only XXXXXXXX XXXX I paid XXXX XXXX for 3 months thinking my due date was changed because I received an email stating it was, I figured I'd pay it off and close it. Not the case. They refused to close my account and they are refusing to help me any further. I can not keep continually paying them all the while nothing is changing. At this rate, I will be paying them for the rest of my life. Please help me.
10/19/2023	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	AZ 85023	Web
I had an account with Fortiva - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I closed that account a few months ago. I was asked recently if I wanted to appy for a new account, of which I asked may I just have the old account reopened. I was told that would not be a problem and for a fee of {$25.00}, I could have a card expidited to me. I took the offer. When I received the card, I activaitated it and as you can see from the enclosed images, it said teh card is ready for use. I tried multiple times, to use the card, I called Fortiva, multiple times to discuss this. Enclosed are just a couple of nmany examples of the result of those calls. Eventually and multiple times after, I was told, that becaused my account was just reopened, I had to wait 30 days to use it or a full billing cycle. I repeatedly asked, where was that disclosed and why was I charged a fee, for a product that Fortiva and others knew, was of no value, as advertised. Each agent I spoke with, had no idea - no answer. I called, XXXX XXXX XXXX XXXX, they did not have an answer, I asked to speak with a supervisor, no answer, one was not abke to speak with me and never called me back. I called XXXX, their CEO, XXXX XXXX, XXXX XXXX, their CFO and XXXX XXXX, their Compliance manager. Neither of them took my call or returned my calls. To date, my matter is still unresolved. They also did a hard pull on my credit report which lowered my score and showed I had more credit, than I really did.
12/10/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	FL 33023	Web
I opened a line of credit with Fortiva retail credit from XXXX XXXX back in XX/XX/XXXX. I paid the balance of over {$1500.00} in full in XX/XX/XXXX. They started calling me telling me I owned money. I called to close the account and it was never done. I did not get the mane of the rep I spoke to ( Big Mistake on my part ). I was later hit with an annual fee and late fees starting pilling up and interest because I did not want to keep the account open. As of today XX/XX/XXXX my balance is {$130.00} which are all fees and interest. I owe them nothing. I refused to be bullied into paying something I do not owe. My credit score has dropped by 10 points because of this. I am beyond infuriated. They are crooks and I will never do business with them ever again.I have spoke to so many different reps that they conveniently do not see in their system. I spoke to a customer rep named XXXX XXXX back in on XX/XX/XXXX at XXXX and asked her why are they not honoring my wishes to close the account and reverse those fees. She closed the account but never reversed those fees. Now the fees keep adding up every month and I will not pay them. I paid what I owed in full in XXXX and I will not pay them one more Penney even if it hurts my credit. It's the principal of it all. As I write this I attempted one more time to speak to a representative but I was put on hold and the call dropped. I tried again a second time the call disconnected after I verified my identity.
04/12/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	OK 73159	Web
On XX/XX/XXXX I opened a line of credit with Fortiva through XXXX XXXX XXXX XXXX in XXXX XXXXXXXX, OK. This was strictly to purchase my child a bedroom set. I paid payments on time from XX/XX/XXXXXXXX to XX/XX/XXXX. On XXXX XX/XX/XXXXXXXX I paid the remaining balance of {$1500.00}. As long as I paid the balance due before the sixth month mark then I would not have any interest. In XXXX of XXXX I attempted to purchase a lamp at XXXX XXXX and the card was declined. I contacted Fortiva and the representative stated that the account had been closed out. Close to 15 months later, around XX/XX/XXXX I checked my credit report and it showed a past due balance of around {$90.00}. I contacted the company and they stated that there were fees on my account that were past due. I explained that the card is as previously declined as well as verified by a Fortiva Representative that the account was closed. I have been fighting to get this removed from my credit report and with Fortiva to drop the fraudulent fees for over a year now. Please investigate this company as I know if they did this to me then there are others out there as well. It now shows a derogatory mark on all 3 reporting credit agencies as a balance past due of {$190.00}. I have disputed the charges multiple times and they recently charged off the balance as a bad debt. I was able to obtain access on the Fortiva website and it is still saying that there is a balance due of {$190.00}.
02/18/2017	No	Credit card	Transaction issue	FL 32250	Web
Fortiva is the servicing company who handles my XXXX card. I 've had other issues with this care, one that I had to report previously to your agency. I am back to file a complaint against them for how the handle the payments that are made toward the balance. I made the minimum payment due on XXXX XXXX, XXXX and the funds were removed by XXXX on XXXX XXXX, XXXX. I reviewed the account online and it says I have {$84.00} available to use. I went to a XXXX store close to my residence today and tried to purchased {$81.00} worth on cleaning products for my home. The cashier was great and tried it twice. After that, I pulled my phone out to confirm the available credit. During this time, their front end is getting busy. Here I am standing in line with my XXXX XXXX XXXX son wondering why my purchase keeps being decline. The cashier called them for me and when the representative came on, he proceeded to tell me that even though the payment was made, the funds would not be available to me until XXXX XXXX, XXXX. I was livid and most importantly, embarrassed. He proceeded to tell me that he knew how I felt and I was like no he did n't. I told him how embarrassed I was and that they 've had my money since XXXX XXXX. They are illegally holding my money. I am including the screenshots of their website, my bank account and their card agreement posted on their website. I need this policy reviewed. I want an apology for the embarrassment I went through.
07/25/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 782XX	Web
my issue is with both XXXX ( manufacture ) and XXXX ( lender ) .. XXXX XXXX XXXX \| XXXX, GA XXXX \| XXXX \| XXXX back in XX/XX/18, I purchased a XXXX treadmill for {$1800.00} ( Order Number : XXXX, Order Reference : XXXX ). two issues with that, 1 ) I didn't realize XXXX tackled XXXX for a 24 month ifit subscription and 2 ) I was told I was going to receive a 24 month no interest loan with XXXX ... after several days of disputing these added changes, I received and e-mial ( I can provide it ) indicating that I would be receiving a credit for the added fees and apologized about the " miscommunication '', but even though I was offered the 24 month interest free no payment loan, I didn't qualify and received a different loan ( next time i'll make sure I understand all terms ). * This is where the problem begins because by the time I realized that I was supposed to be paying this loan, I had already incurred a crazy amount of interest and late fees. my new balance is XXXX .... I called XXXX, had an e-mail conversation with both parties and had no resolution. they just passed the responsibility back and forth. I logged on XXXX website, and they received the credit from XXXX, but no adjustments have been made. and they are ruining my credit/credit score. I have told XXXX that I would be happy to pay the credit line I requested, but I needed the balance adjusted.. I am scared at how much I have to pay now because of an error I did not make..
02/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	AR 716XX	Web
On XX/XX/XXXX I opened up a credit protection claim for my account with aspire credit card. I received confirmation on XX/XX/XXXX that my documents were considered under review. On this date Also I learned of missing claim document that needed to be turned in, that I never received. XX/XX/XXXX I contacted aspire as to why the claim was still just pending and let them know I never received the extra document. And in between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I consistently reached out to aspire on this document that was missing and tried to receive via email but only received the same email back every single time. " Thank you for the opportunity to serve you. This email is in response to your recent inquiry. We understand your concern. In order to better assist you with your request, please contact our credit protection team at XXXX. Their hours of operation are XXXXXXXX XXXX XXXX XXXXXXXX XXXX EST from Monday to Sunday. We appreciate and value your business. Please let us know if you have any further questions regarding your account. '' On or around XX/XX/XXXX I called and was able to speak with someone on the phone with aspire that told me they couldn't process my credit protection claim because " i was so far behind on my payments ''. But on XX/XX/XXXX I actually received notification that my credit protection claim was now denied because of the document they didn't receive nor did I receive from them.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46307	Web
On XX/XX/XXXX I called to finalize my account with MyFortiva after speaking to a supervisor who assured me settling the account would not negatively impact my account. She told me I could pay less because of the predatory interest I already paid more than the amount balance. To validate this information again I chatted with an employee who assured me yes it would not impact my account. I advised them I would not settle otherwise because my credit was good. Initially it reported settled account on credit. On XX/XX/XXXX I called to verify account was indeed settled because account showed a balance. The representative said yes the balance would be resolved and my account was indeed settled. The very next day a charge off from MyFortiva was on my credit report. It tanked my credit and even changed my rating with a couple of the bureaus. I feel this a XXXX retaliation after I called the XXXX time because I spoke to several people. I spoke to XXXX XXXX XXXX who advised me my account was delinquent since XXXX. I told her my account was never delinquent more than several days one time because I was working on the settlement amount. She advised me no your account was delinquent every month. I was so angry I advised I would be contacting an attorney. I believe if I wasnt XXXX XXXX this would not have happened. I have copies of the chat and they have recordings of the conversation where I asked if this would be credit impacting.
08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	FL 34208	Web
I have called this company several times to inform them, i am not getting the code sent to my email so i can register my account and make payments online. They did not understand one word I was saying, i have asked for mangers as well. IN my opinion they play games and act like they don't understand English to XXXX us over on these credit cards. No where in the terms did it say they could not text me the code to my phone the code so i could register, Nor in their terms did they mention they do not understand English, if they mentioned the above I highly doubt anyone would open with them. This company is SCAM, and not sure why no-one has investigated them instead allow American 's and whomever else to get conned. They refuse to send me a statement as well. I now have to mail payments which is causing me to be late and i keep getting fees which is not fair. I am done with these people, I am totally willing to pay what is owed not any fees cause its their fault, but not to them. This is straight XXXX that my credit is screwed up because they cant do their part, I have reached to XXXX as well and guess what Fortiva did not respond to them. When we call the numbers they calls us from they ring busy. I want to be done with them but they call me 15 times a day wanting money. How do I get rid of them and it not effect my credit? i sent them 12 emails for help. I hate this Company and they should be registered as FRAUD.
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 3. Do not sell or transfer this debt to any other third party. 4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. Your immediate attention to this matter is expected and appreciated.
06/07/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NC 286XX	Web
On XX/XX/XXXX I received a " Payment Reminder '' from a company called FORTIVA claiming to be a retail creditor, and listing the last four digits of an account number. I do not have any idea what " FORTIVA '' is or represents, and did not open any account with a company by that name. The email directs me to pay a minimum payment of {$30.00} by XX/XX/XXXX and lists an address to send a check or money order. It is a 'noreply ' email and I have tried calling the toll free number provided but putting in the numbers listed in the email as the 'last four digits ' of the supposed account starts a loop of a computer voice rejecting that input, and asking me to input my nine digit social security number. I did not do that and immediately did an internet search to find out what kind of company FORTIVA is. That is how I found this CFPB site. I have not received any of the common required disclosures from this creditor ( that I would expect from any credit holder ), nor do I have any form of charge card. ALSO NOTE : In the final step of this complaint process the form wants an address that the billing would go to ... as I have no knowledge or information about this account, I DO NOT KNOW what address, however, to finish this complaint I reluctantly will indicate the same address as my primary address - I am conflicted as I do not want to provide a company I perceive as a bad actor with access to my correct information.
08/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 330XX	Web
My cards were shut down for absolutely no reason, Im a bartender and I tend to use my credit cards and then pay them off after a weeks work, I have XXXX and i like to pay off my cards, i was never once late with Aspire Credit Card I had a XXXX limit and XXXX limit. I went to gamble one night and took out a few cash advances and then went to work the next day and paid it off! The next day they took my payment and shut off my credit card. I called and they said it was considered fraudulent purchases, i explained what i did for a living and asked how could I prove I was the rightful owner of the credit card, they said I should learn to follow the rules and regulations and if I could pay off my card like that, then I obviously didnt need a credit card, i said I do, im trying to get my credit fixed and this would ruin my XXXX score, i was told that wasnt their problem, the account was closed and I was hung up on, 2 days later I got a notification that my aspire accounts were closed and my credit dropped XXXX points. This apparently happens a lot with this company and its not fair. Ive worked very hard and how can someone just mess with my credit like that. On top of everything, after I paid them off they refunded me XXXX annual fee, however its a charge, not a credit so now I owe them XXXX on my closed account. This is very frustrating, we are struggling and relied on this credit card. Is there anything I can do
07/08/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	GA XXXXX	Web	Servicemember
I was the XXXX XXXX for my mother, who had become very ill. I took care of her for approximately 2 months. My bills have fallen behind and I reached out to my creditors, who have worked with me, offering payment deferments, waiving of late fees, interest fees, and not reporting negatively to all credit bureaus with the exception of Fortiva. I reached out again on today, XX/XX/2020 to Fortiva and advised them that I am continuing to experience a financial hardship and if they can please work with me. I advised Fortiva that my XXXX, XXXX XXXX, in XXXX, GA whom the card was used for, is closed until further notice and they are not sure when they will reopen and my XXXX isn't seeing patients at any other locations, until further notice. I have had to go 4 months without having my XXXX XXXX, understandably due to the pandemic yet. I inquired of Fortiva if my late fees could be waived and payments deferred under the Cares Act of 2020. The representative advised that they can not waive my late fees. They will extend my next due date to XX/XX/2020 but until I bring my account current, the late fees will remain and I will continue to get charged such fees, including interest. Once I am able to pay this card off, I will never use Fortiva again. Be aware other consumers, if you experience an unexpected financial hardship, this company has no sympathy. I am also a XXXX and XXXX Veteran of the United States XXXX.
07/11/2023	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TN 380XX	Web	Older American
On the XXXX of XX/XX/2023 I invited an Individual name XXXX XXXX from the flooring and carpet company XXXX. He began showing products of different types of flooring. He then proceeded to describe financing options. One was with XXXX XXXX, and the other one was with a company called Fortiva. I agreed that i needed new flooring because the flooring in my home at the time was worn out. Fortiva decided to give me financing. We agreed on a date for XXXX to send two contractors to do the job as was stated to me. It was around the first week of XXXX when one contractor showed up to my residence to do the work. I asked him where is the other helper. He said he was the only one. I permitted him to began the work. The individual appeared to be in a rush with his work, and directly in front of me poured out a substance onto the floor and later I found out that it had been mixed with the glue he was using to seal the floor to the foundation. He tracked the glue and substance through the house onto the new flooring. I told the company about this, and they decided to send him back to clean up his mess. He came and stayed about 15 minutes and the same situation remained and remains. The flooring is damaged. I send the so-called credit card back to Fortiva as a means of rejection of services. Fortiva has sent me a bill that is not correct and I never gave permission to make a transaction with the card they sent to me.
09/28/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	IL 60645	Web
I received a line of credit at XXXXXXXX XXXX XXXX XXXX through Fortiva Retail Credit in XX/XX/XXXX. I was told that as long as I paid off what I owed in a year 's time, there would be no interest. I paid off the loan on XX/XX/XXXX. At no point was I told about any additional steps I needed to take to close the account. In XXXX of XXXX, I received a text message indicating that I owed {$30.00}, which was confusing to me seeing as I had paid off the loan months earlier. I went to check my account online and confirmed that I had paid off the loan. Thus, I believed the text message to have been sent in error. Since XXXX of XXXX, I have continued to receive notifications that I owe additional money in {$30.00} increments. At that point, I called Fortiva 's customer service line and was told that I was being charged an annual fee as well as a $ XXXX monthly fee for keeping the account open. When I signed up for this line of credit at XXXX XXXX XXXXXXXX XXXX, not only was this not explained to me, but I was not even told that the line of credit would come from an external company rather than from XXXXXXXX XXXX itself. In the end, I was told that the only way to close the account was to pay the money I allegedly owed. Fortiva Retail Credit and its policies are predatory in nature. The company deceives its clients in an effort to extort them out of money, even when they have paid what they owe on the loan.
07/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 78130	Web
I have had an active account with Fortiva since the beginning of last year ( 2022 ) and have made payments on time since its start. I was not notified that they were to be closing my account and opening up a new account in my name ( they called it an " automatic upgrade '' ) in XXXX of this year. The first I heard about these changes were through XXXX XXXX, who let me know that the Fortiva account I had before had been closed and then another had been opened and the previous balance transferred. I got a letter and a new card in the mail a few weeks later, and when I called to have these changes reversed by Customer Service, they said they can't reverse the changes. They offered to close the account, but the remaining balance would have had to be paid in full to avoid penalties, excessive interest, etc. I never agreed to these changes, and they have impacted my overall credit scores and inquiries/account histories for my credit report. I have tried multiple times to contact Fortiva and every time I have, they tell me it's not possible to reverse these changes that they made on my behalf, even though they were done without my consent. Companies should not be able to just close your account and start a new one in your name without you deliberately opting IN to the change, and this company has decided that a lack of response from its consumers constitutes permission -- this is ( or should be ) illegal.
02/21/2023	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 77005	Web
Fortiva authorized a fraudulent credit card at XXXX XXXX XXXX in XXXX in my name in late XXXX. I learned of this and reported it to Fortiva early in XXXX. I filed an affidavit of FRAUD in XXXX of XXXX. Fortiva sent an acknowledgement by email on XX/XX/XXXX, that I had reported the account in my name at Fortiva as fraudulent. In XX/XX/XXXX, despite my reporting this fraud, Fortiva reported my account as delincuent to credit agencies. They continued to make monthly derogatory reports on my account until XX/XX/XXXX. Fortiva sold this account to XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, well after my written and verbal reports and Fortiva 's acknowledgement of the fraud. XXXX 's attorneys, XXXX XXXX XXXX, XXXX XXXX, called me in XX/XX/XXXX. I explained to XXXX XXXX that the account was fraudulent. And XXXX XXXX confirmed that his firm reported the account as fraud and returned the case to XXXX. XXXX has not reported the account as delinquent on my credit. However, FORTIVA 's negative reports to credit agencies from XXXX through XX/XX/XXXX have not been removed. This account continues to be reported on my credit report, and is causing serious damage to my credit. My credit score has dropped XXXX points, limiting my ability to obtain a mortgage on a home under contract. We have been calling Fortiva, XXXX and XXXX XXXX XXXX for several weeks to remove this report of fraud & they refuse to do so.
10/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	OH 440XX	Web
I wanted to add card to XXXXXXXX XXXX I called FORTIVA because mobile wallet requires a verification code from FORTIVA approval. I was refused. I was harassed. I was lied to. I have added to my sons phone x XXXX including Aspire same card business. No issues. I have called prior and received a verification code immediately Aspire. Same process from XXXX XXXX provided a text to call FORTIVA but FORTIVA is only argumentive. I was per FORTIVA to contact XXXX for help and insisted per FORTIVA they would help with adding their card to XXXX XXXX Next day today XXXX I tried to make a payment. I was blocked and forced to call FORTIVA to resolve. A fraud number. No fraud on my account to block. They wanted my ID and a bill to ensure me when they were non professional conduct and sounded foreign as if angry towards American citizens on actions towards them. I have had a card for 1 year and already provided verification documents. I was verified by some customer service but not all verbally verified me for phone support. I mentioned the U.S. government does hold a jurisdiction over bad unethical business practices and got hung up on the 2nd customer service. I made them aware if any fraud it is them. I can not get a verification code from them to approve XXXX XXXX use as I have done x XXXX and being denied any support service to resolve. I rely on this card for use under them and am being treated unfair.
06/06/2018	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IA 50501	Web	Servicemember
On or about XX/XX/XXXX I contacted XXXX Credit Card ( a division of XXXXXXXX XXXX ) to update my address after receiving an E-mail promotion offering me another credit card ( since I had one already ). The promotions department told me I had to speak to Customer Service about my address before they could honor the promotion. I was told by Customer Service they do not do business in the State of XXXX and the promotional offer was rescinded ( and that is OK ). They told me they could not update my address from previous address in XXXX to my new address in XXXX since they do not conduct business in XXXX. Today, XX/XX/XXXX, I received a text from them telling me I am delinquent on a payment ( due yesterday ) and to call their office. I made the payment and addressed the address issue again. I was told the following. 1. Can not update your address since we do not conduct business in XXXX. 2. Can not generate you an electronic statement since we do not do business in XXXX. I mentioned the promotional offer and they said that was when I was living in XXXX ( which is true ) but my E-mail address has not changed when I moved. 3. Only suggestion they gave was find someone in XXXX to receive my mail for me. I am not denying I owe them money, I am not denying them payment. I have issue with I can not get a statement from them. I can not imagine I'm the only person in XXXX that has this issue.
03/25/2021	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OH 44266	Web
To CFPB : In XXXX of XXXX, I saw on my credit report, that on XX/XX/XXXX, a company credit card account ( XXXX/Atls/Fortiva ) was opened. I have no name or address of who opened the account. The credit card has a {$4000.00} limit with a {$3400.00} balance. I called Fortiva to dispute the opening of the credit card account and the charge. I asked that the account be frozen so that it could no longer be used. Fortiva sent me the forms to dispute the case and also a form to file a police report. Along with the forms, I was asked to send a copy of my ID to prove that I live in Ohio, ( The business transaction took place in XXXX XXXX, Mo. ) After every thing was filled out and mailed, I called Fortiva several time to ask the status or progress of the case. Every call, at least 10 in the 2 month endeavor, I was told that with the information turned in, that the problem would be resolved. Well, today, XX/XX/XXXX, I saw an alert on my credit report that shows the Fortiva charge hadnt been resolved! I called the three credit bureaus to make my complaint. All three told me that the dispute was never turned in! After following through with all that Fortiva said that needed to be done, Fortiva did absolutely nothing to resolve the case! You will see the account is still open and bringing down my score! Thank you for looking in to this! XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , Ohio XXXX
01/16/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	WA 98901	Web
I got approved by this company for a loan to purchase some furniture, everything was ok at first until they decided to change my contract to their benefit without notifying me about the change, when I call them they were extremely rude about the situation, I decided to pay off my loan and asked to close this account, I did not want to have any type of business with these people due to the fact that they have poor customer service, almost a year late I get a call from them asking for a late payment, so I call back and ask what this was about and according to them I owed a maintenance fee, when not once in almost a year later did this people made an effort to contact me about any maintenance, so I'm not about to pay any fee for a service that was never render. They stated that it would be removed, even though they did not have it on file, ok, so I asked for an email confirming the change, which they refuse to do, they also refuse to let me speak to the manager to solve the issue. I want people to know that this is not a very friendly company, they will try to get your money with the so call " maintenance fee '' be really careful, revise your agreement make sure they don't change without you knowing it or prior notice. and the fact that they don't want to send emails confirmations or let you speak to a manager to resolve an issue, to me shows they have something to hide.Send people
01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 076XX	Web
Today, XX/XX/24, I have received a note from the XXXX XXXX XXXX, which tries to explain either options state below. Since I can not figure out which option is correct, I just want you decide and clarify me whether this credit company, Aspire, issued a card or not. The XXXX XXXX XXXX issued a credit card, Aspire, in the name of XXXX XXXX. And this XXXX XXXX XXXX was serviced by Fortiva XXXX, XXXX. Most likely, this XXXX XXXX XXXXXXXX wants tell me that I complain because I receive the credit card offer from Aspire ; even though I never received a card. From the beginning, why I complain if I was issued a credit card from the XXXX XXXX XXXX From the beginning, I do not know this Aspire credit card company and the XXXX XXXX XXXX, I do not expect to receive any 'receipt of [ my ] correspondence ' from the XXXX XXXX XXXX XXXX Anyway, I never have made any correspondence to this Bank. Therefore, I do not know why this Aspire or the XXXX XXXX XXXX knows my email address. I want to have the explanation how this company knows my email address. I also checked Fortiva XXXX. The one relates with the XXXX XXXX XXXX has the address in XXXX, GA ( XXXX ) and I found another Fortiva XXXX XXXX, XXXX, OR ( XXXX ). This number is written in the notice which I received. These two companies have two different logos. I do not know whether these two are one company or not, but I feel weird.
12/15/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	IL 60649	Web
I have an Aspire credit card. An automatic payment was scheduled and processed through my account without my authorization, reversed as I didn't know it was processing, and I was charged the reversal fee. I called the company only to be informed that I was somehow set-up for automatic payments. I do not recall setting up auto-pay because I make regular payments to avoid interest as much as possible. There is a history of automatic debits on my account from past statements and I had no previous knowledge of these transactions. The representative said I set-up auto-pay in XXXX, 2021 yet from my XXXXXXXX XXXX statement there is an auto-pay debit. Thus I don't know if I was overcharged and credited for the overages. The company representatives aren't well informed, my account transactions online and in-app are very few making it difficult to control/monitor spending. My trust for this company is waning. Their internal investigator kept asking me identifying question instead helping me with this specific issue. I could not get a straight answer from anyone as to what is really going. I was transferred to XXXX different people, hung up on twice, everyone seemed to not want to solve this issue. Meanwhile, I have a credit balance with a company I do not trust. My plan is to cancel this card but before then I need this to be look at because there is something not quite right with Aspire.
11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 91740	Web
I purchased a brand new treadmill from XXXX ... they financed me through Fortiva retail credit ... but when I received the treadmill it was not working and it was supposed to be new, so I decided to send it back and get a refund .... when my 1st payment was do with Fortiva I called them and explained that I was returning the machine and asked them if they can freeze my account until the problem got resolved ... they said they couldnt freeze it but they would waive the late fee for that month and I would have to pay the installment the following month ... by the time the 2nd payment was do I explained to them that XXXX had already picked up the machine and I no longer had it in my possession ... I told them that XXXX was going to refund Fortiva the full amount financed and it would take from 7-10 business days ... i asked them I didnt want to see the delinquent marks on my credit report .. I seen on my credit report that I had a delinquent report so I called Fortiva back and asked them if they could not report me being delinquent because it was affecting my credit score ... they said they couldnt stop it because it was automated .. I explained to them that I had no control over when they were going to be reimbursed ... they want me to contact XXXX and tell them what is going on ... I have been calling XXXX for 2 days now and still have not been able to get through to them ...
09/05/2018	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Unexpected increase in interest rate	TX 75002	Web
I opened a {$6000.00} line of credit with XXXX flooring on XX/XX/2018. I was told I would not have any payments due until the next month. Initially, my account was supposed to be with XXXX XXXX, but it was changed to XXXX without my permission. I was against this from the beginning because of the negative consumer reviews on XXXX, but could not afford to pay off the entirety of the loan at that time. I received a bill the next week from XXXX. When I called questioning the month grace period, they said I had opened the account just before the start of their billing month so I would be responsible for the immediate payment. On this call XXXX, I confirmed the last day I could pay the balance on full to avoid the 29.9 % APR. I was told I needed to pay the full balance by XX/XX/2018. I made regular payments greater than the minimum amount due. When I called on XX/XX/2018 to pay off the {$1500.00} balance in full, I was told I had accrued an extra {$490.00} in interest. At no point was I verbally made aware of the interest charges, the date I would start receiving interest, the fact that residual interest would be charged, nor did I ever sign any documents from XXXX acknowledging these agreements. XXXX has not worked with me one bit on any of these charges. The fact that they tout themselves to individuals with less than stellar credit as a way of getting out of debt is shocking.
11/08/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	FL 32792	Web
I have 2 Aspire Credit cards. One ending XXXX with a {$500.00} credit limit. Annual fee of {$79.00} in XXXX and {$10.00} a month maintenance fee that just started XXXX or 5 months ago. I contacted them through chat because its the only option to contact them. Through chat they said I have to call customer service at XXXX, that phone number doesnt work. I keep getting a message from XXXX XXXX XXXX the call can not be completed at this time. Ive been calling everyday since last Friday, during their business hours. I then sent a message through the account mobile app. Originally I was going to cancel this account. I was sent a message that apr was converting to fixed from variable on XX/XX/XXXX. After these problems I decided to close the other account as well ending in XXXX. On XX/XX/XXXX this account is also moving to a fixed rate apr. Maintenance fees are going to {$150.00} a year, also an annual fee on the annual anniversary date. This one has a {$2000.00} credit limit. I got an email this morning from my message I sent through the app and they once again said I had to call customer service and phone call still doesnt go through. So they give me until XX/XX/XXXX and XXXX to close my accounts if I dont agree with the new fee policy, but customer service phone number doesnt work. Thank you for your assistance. Aspire credit card is issued through XXXX XXXX XXXX I believe.
12/19/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 85326	Web
Fortiva Account ending with XXXX. I opened this account on XX/XX/2020 for a XXXX XXXX XXXX for my home. Up to present date, I have made all contracted payments timely with no missed or late payment. Fortiva without my authorization moved my account balance to a XXXX Credit Card, which no did not give them permission to do. To date, I have been receiving harassing messages advising that I need to active this credit card and make a purchase or my account will be closed, which closing the account will negatively impact my credit score. I spoke with the company, which they said " oh well '' and they move forward with closing my account. They provided no information as to why, I would have to suffer a negative impact to my credit score when I have always made payments timely and did not authorize them to start a credit card in my name. They also provided no direction in how I'm to maintain payments to the account if it's closed. This company has very deceptive practices that punish consumers who never had any negative marks with them into forcing credit terms that were not agreed to and that will negatively impact my credit score. I want this fully investigated, because at no time did I authorize Fortiva to active a XXXX in my name. I never signed up, never activated a card, only wished to continue paying my security alarm system w/no additional fees attached.
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OR 973XX	Web
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as did my entire family. Shortly after we all recovered XXXX XXXXXXXX we all got XXXX XXXXXXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. Fortiva credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed '' and " Past 90 days past due ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77044	Web	Servicemember
XXXX came to my door and was trying to sell me home security. They promised products of certain qualities ( XXXX camera, water heater flood alarm, integrated smoke alarm ). I agreed and signed financing documents for the product. During installation, they didn't bring the agreed upon products. They said their salesman was new and to get what we talked about would be an upcharge. I was not interested in haggling and canceled the entire sales. The problem I am having is XXXX canceled everything and vacated my property with their equipment. I have all the documentation to support that statement. Their financing company called Fortiva refuses to cancel the loan and expects monthly payments for something which doesn't exist. The original agreement amount made with XXXX was {$1400.00} which they upcharge to {$1700.00} for the original agreement. After agreeing to the upcharge, they still failed to bring the required products. I got frustrated dealing with their bad sales practice and canceled the entire order. After canceling, a month or two later I see Fortiva on my credit report for {$4000.00}. My wife showed me that she also has a {$4000.00} loan from them on her credit report. They also refuse to speak with us and refuse to accept the cancelation documents provided by XXXX. I have reported it on my credit report and was denied two times with the supporting documents.
12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Subject : Verification of Charge-Off and 1099-C for acount # Dear AspireXXXX, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the account associated with the reference number [ Your Account Number ]. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If your company doesn't have these documents requested for deletion from all major credit reporting agencies immediately within 3 business days. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Thank you for your cooperation in providing the necessary documentation for this verification process.
02/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IL 60640	Web
Around XXXX of XXXX, i contacted the company to ask for Covid Relief programs they may have as I had lost my employment and didn't know when I would return to work. I was informed they would see what programs I qualify for and that they would contact me with further information. In XXXX of XXXX, I realized I was still being charged over limit and past due fees. I called again and was assured that my account had been closed in good standing. I reiterated what I had been told, that my account had been closed in good standing and that there is no balance. I was assured that that was the case. I destroyed my card and was thankful, thinking that that was the end of it. On XX/XX/XXXX of XXXX, I called again as i was still being assessed late charges and over limit fees. Again i was assured the account was closed and would no longer be charged fees. I called again in XX/XX/XXXX, as my account was still being charged and now had a balance of {$540.00}. {$140.00} ove rlimit fee and an interest fee of {$14.00}. I was assured that the card is closed and that all fees would be credited back. Please understand that the last time I used this card was XX/XX/XXXX. I called again today, XX/XX/XXXX. My balance now {$420.00} with a late fee of {$20.00}. I was charged a late fee in XXXX XXXX of {$10.00}. a late fee in XXXX of {$20.00}. After XXXX, the agent hung up on me.
06/10/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Advertising Changes in terms from what was offered or advertised	IL 606XX	Web	Servicemember
FORTIVA gave me a credit card with a limit of XXXX. They were jealous of me and allowed me to spend XXXX which put me XXXX over what they gave me. This is not a bank card or bank account. There is NO overdraft feature at all. They added the XXXX and reported this to the credit agencies and said I went over the amount Fortiva gave me which is IMPOSSIBLE. I want them to fix what they reported and because they only gave me XXXX credit limit not XXXX credit limit. They advertised XXXX and then they changed the terms to report false information to the credit agency in order to change my credit utilization score intentionally. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Over or At Credit Limit XXXX/XXXX/FORTIVA XXXX has reported your account as over or at your credit limit. Financial XX/XX/2022 What happened? On XX/XX/2022, XXXXFORTIVA XXXX has reported to Experian that your account as over or at your credit limit. As a result your score went down XXXX points. Source : XXXX XXXX : XXXX/FORTIVA XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Activity : Bank/Credit Card Over Credit Limit Balance Date : XX/XX/2022 Balance : {$1000.00} You are receiving this alert because your membership includes XXXX credit monitoring & alerts
07/24/2021	No	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 762XX	Web	Older American
To Whom It May Concern, On XX/XX/XXXX I received a Debt Collection Bill from Aspire Credit Card. I immediately spoke to a Representative and both verbally requested a Cease & Desist of further contact and emailed them a Cease & Desist Letter. The Rep said that they would comply and would not seek any further contact with me. In XX/XX/XXXX I get another Debt Collection Bill and I once again call Aspire and speak to a Rep. They said that this was a mistake and it would NOT happen again. In May I get another bill from Aspire and once again I talk to a REP and they mention that the Cease & Desist Letter was in effect as of XX/XX/XXXX ( XXXXXXXX XXXX XXXX? ). They also mentioned even though they received a Cease & Desist Letter that they will NOT stop sending Bills because I owe them money. The CSR, is off shore not located in America. I ask to speak to a Supervisor and they told me, one is not available. XX/XX/XXXX I still am getting Bills from Aspire and I end up texting them instead of calling. Once again I get an apology and that's it. In XXXX I get another bill and I have had enough!!! Enclosed please find copies of my original Cease & Desist Letter along with gifs of XXXX & XXXX bills. I am legally disabled in the State of Texas. I collect XXXX. I am judgement proof from any money demand law suits. They will NEVER collect money from me.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30318	Web	Servicemember
Hello, Once again i have tried to resolve this issue with the lender going on 7 times. I was offered a payment match program that I was at first not interested in. I ask the lady what would be the outcome of me paying my account and letting them match it. The young lady said that I would just have a zero balance and it is a special that they are running. I could have paid off this card had i knew all of this would come about. They took my payment of {$330.00} and STILL DID NOT MATCH MY PAYMENT.. ( Again never asking them to do this ).. They then proceeded to put this account in collections and not telling me I still owe them {$330.00}. I have also ask for the recorded conversation which again is what was stated on the phone call. Which will explain this whole entire story and how they tried to trick me into paying them {$330.00} which they did and since then have reported the account as a charge off which violates the consumer law entirely. They have never reported this account correctly and also the collection company they have claimed to have sold this account to can not provide me with any information besides my first name and amount. They have yet to provide me with an account number.. address.. credit limit amount.. last nothing.. Absolutely nothing.. They have XXXX complaints with this company in the past 12 months from similar situations.
11/26/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 19038	Web
I was looking at my Fortiva account available balance and noticed it was {$0.00}. I started to look at my previous statements and starting XX/XX/2021, my available balance was {$0.00}. Every month I have been charged a {$12.00} maintenance fee, that shows up on my transaction page. Every month I have paid the fee. I texted the company through their app to ask why my available balance is {$0.00} and they told me my account has been suspended. Once I got that text, I immediately called the company. I asked why was my available balance {$0.00} and why was my account suspended and they told me it was because I had not made a transaction in a year. Every month, there is a {$12.00} maintenance fee and then my payment of XXXX that shows up on my transaction page. If my account is/was suspended why am I being charged a maintenance fee, and if it is not considered a transaction, why is it showing up on my transaction history? When I asked the company these questions they just kept insisting that the maintenance fee was separate from transactions, but despite what they say those transactions show up as transactions and are noted as such. I asked to be refunded of my {$12.00} that I have paid since XXXX and they said that was not possible. I was never told my account was suspended until I called. There were no texts, no in app notifications and no mail.
03/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	HI 96814	Web
I contacted a representative at Fortiva concerning waiving a late fee last month. They said they would process it. They processed it as though it was for a month where I did not incur a late fee so instead I still had to pay the late fee. It caused an unexpected financial hardship, so I opted to prioritize more pressing bills this following month. I contacted their " help '' line today and asked if I could speak with a supervisor so I could close my account without paying the fees they claim they waived, but they would not allow me to. They stated " I can help you with this issue, '' " I can submit a request for a late fee waiver, but it's subject to a different department 's approval '', " We already properly processed the other late fee, so you can not have a waiver, '' instead of transferring me to someone competent who could properly do as I requested. If a company does not actually follow through on what they promise their customers, naturally no one would want to retain a card with them, so that's why I am trying to close my account with them. It shouldn't be that hard for them to allow me to pay the full amount I owe plus interest and waive any extra fees. Please never sign up for a card with them. This plus their annual fee and monthly " account maintenance '' fees have made this the most unnecessary card to have in my wallet.
08/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA XXXXX	Web	Older American
Good Morning, I have attempted to payoff a closed credit card account with ASPIRE since you last closed a claim for me in XXXX of this year. The company has continued with usurious fees and charges. On XX/XX/XXXX, I made a payment in the amount of {$150.00}. Today, I went online and spoke with three representatives altogether in an effort to close this account in its entirety as PAID IN FULL and receive a letter to that effect. I have had one misrepresentation after the other from this company. The latest text scripts provided as written documentation is attached. I am on the telephone with yet another representative now trying to pay this account in full and they are refusing a zero balance letter. UPDATE I have made in fact made the payment in full of {$170.00} as indicated in the chat documentation this morning. I have uploaded printouts of this documentation for your review. I did not, however include my checking account number though will provide this should you wish to contact me in a secure online environment. I was told by the representative that I will receive a zero balance letter within two days. This claim is being filed in an effort to establish the validity of a ZERO BALANCE PAID IN FULL status of this Aspire Credit card that ended in XXXX. Thank you in advance for your review and consideration, XXXX XXXX XXXX
05/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85033	Web
Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. I have a XXXX daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the Heat XXXX Arizona unfortunately has to provide. These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona XXXXXXXX XXXX records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. XXXX XXXX XXXX XXXX
01/27/2018	No	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	TX 77388	Web	Older American
On XX/XX/2017 I received an email from XXXX showing I had opened a new account With XXXX XXXX for a XXXX XXXX XXXX XXXX credit card The application for this card was approved by Fortiva in the amount of {$5000.00}. A purchase was made the day the card was approved for {$4300.00}. I contacted Fortiva to advise them that I did not open this account. Fortiva representative said my credit was was checked through the credit bureaus and was approved. I in formed them that I have had a credit freeze on all three bureaus since XX/XX/2017 and that they could not have seen my report in order to approve the application. I also checked with all three bureaus to see if my freeze was still in affect and it was and also checked with all three to see if an inquiry had been made by Fortiva. Each bureau stated no activity on any requests from anyone. I contacted XXXX XXXX Fraud Dept. and explained the situation. They stated that my credit had been checked and again I told them it was impossible to to check my credit because of the freeze on all three bureaus. They still insisted it was checked. I informed them that someone in their company had to approve the application without checking my credit and they should investigate who approved it. On XX/XX/2017 I received the XXXX XXXX XXXX XXXX credit card and I received a bill from Fortiva ( attached ).
04/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OR 97225	Web
I am in dispute of the balance owed on this account. I have requested a copy of my signed loan agreement twice on the company 's website, and have received neither acknowledgement of my request or the document itself. I received a collection call on Saturday, XXXX from phone number XXXX . I informed the agent, whose name I could not understand, that I would bring the account current on XXXX XXXX ; I am currently late on the payment due XXXX XXXX , XXXX . I told the agent that I had requested a copy of my loan documents on the web, and that I had not received them. I asked the agent to provide a copy to me, and he told me that I could not have a copy of my loan documents until I brought the loan current. I do not receive monthly statements from this company. A review of the statement history online reflects that I have been assessed a monthly " interest charge purchase '' since XXXX , XXXX , totaling over {$600.00}. I do not understand why this charge is being added to my loan balance. I feel that this refusal to provide me with a copy of my loan documents is an attempt to prevent me from verifying that I am being overcharged for this loan. My record of payments made shows that my open balance is much lower than what the company says I owe. I wish to have the original docs so I can verify my account.
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 973XX	Web
In XXXX of XXXX I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. Aspire credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
03/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 212XX	Web
My complaint is with Fortiva XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. This company has made unauthorized debits to my account that the monies have exceeded the amount balance. When this instance first happened, I contacted Fortiva in XX/XX/2022, and they stated that they would reverse the charges and send me a check and I should wait XXXX XXXX XXXX days. I waited as they requested and noticed their statements did reflect a change in the account but I never received any of my funds. During the month of XXXX they charged my account again. When I advised the Representative of the company, ( The name he gave was XXXX. ), that I had not authorized these large payments nor did I receive the previous funds, I was told that I would have to send them my Bank Statements to prove that I had not received their check. My response to him was that his company should be able to verify that the funds had not been cleared from their bank. I further told him that having them to review my bank statements is an invasion of privacy and they have no right to make such a request. I have emailed them about this issue as recently as today since we are beyond the XXXX day timeframe that was given, and that they now owe me a grand total of {$3400.00}. I have suffered major financial setbacks due to their irresponsible business practices.
08/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MA 01420	Web
On XX/XX/2022 at XXXX XXXX XXXX time. I had called the customer service support center at XXXX and spoke to a representative named XXXX. I inquired about the status of my current Fortiva credit card and asked her on why did the company decided to close my credit card account? I also told her that I had also received an e-mail from Fortiva on XX/XX/2022 at XXXX regarding to the closure of my account, due to the fact that I did not use my card regularly even though my balance is absolutely at {$0.00} and I had always made monthly and annual payments for the fees they had charged me in full and early but never been late or short in payments. She told me that I was right and correct but she said what she is seeing on her computer is the one and only reason why it was closed because of non-use of the credit card activity. I immediately requested to see if I can speak to a different department who is authorized to review and reopen my account or someone who is higher in rank that is authorized to do the same but the representative became defiant so she refused and ignored my request. She told me I have to reapply again or wait for an invitation. She wanted to end the call quick and not provide outstanding customer service like he is supposed to as I am a valued consumer. The representative is very poorly trained and clearly XXXX
08/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MA 01420	Web
On XX/XX/2022 at XXXX a.m. eastern time. I had called the customer service support center at XXXX and spoke to a representative named XXXX. I inquired about the status of my current Aspire credit card and asked him on why did the company decided to close my credit card account? I also told him that I had also received an e-mail from Aspire on XX/XX/2022 at XXXX regarding to the closure of my account, due to the fact that I did not use my card regularly even though my balance is absolutely at {$0.00} and I had always made monthly and annual payments for the fees they had charged me in full and early but never been late or short in payments. He told me that I was right and correct but he said what he is seeing on his computer is the one and only reason why it was closed because of non-use of the credit card regularly. I immediately requested to see if I can speak to a different department who is authorized to review and reopen my account or someone who is higher in rank that is authorized to do the same but the representative became defiant so he refused and ignored my request. He told me I have to reapply again or wait for an invitation. He wanted to end the call quick and not provide outstanding customer service like he is supposed to as I am a valued consumer. The representative is very poorly trained and clearly ignorant.
03/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IN 46151	Web	Older American
On XX/XX/XXXX we had 4 charges to XXXX for {$100.00} each then on XX/XX/XXXX we had 2 more charges of {$100.00} each to XXXX for {$100.00} each. We immediately reported it to Fortiva. On XX/XX/XXXX they sent us a new replacement card, and on XX/XX/XXXX they sent us a Fraudulent Charge Affidavit that we did not receive until XX/XX/XXXX in the USPS. I called twice to check on when to see if it was coming and they said it was to take 10 business days. It came on the 11th business day. It said it had to be filed within 14 days of the original date of the letter. It could be filed by fax or email but they could not send it to us by Fax or email to sign. Then after we filed it they acknowledged it they sent us a letter saying since we filed the fraudulent charges our account had been canceled. We had the card for over a year and never missed a payment. In going through our statements we also found we had been charged Credit Protection fees totaling {$52.00} for the period we had the card from XX/XX/XXXX to XX/XX/XXXX. It was optional insurance that we never signed up for but in the fine print they automatically signed me up for it and it was up to me to get in touch and decline it or they would charge me for it which they did. This is surely a scam to cower me into just paying the fraud to avoid a black mark on my credit report.
09/29/2020	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	MA 02780	Web
Hi Fortiva Executive Office! Good Afternoon Team! How are you doing this pandemic and Covid19? Hopefully, youre safe and sound! Listen, Im extremely disappointed and shocked because I just looked at my credit again and noticed that the 2 late payments remarked are still reporting on my credit. Remember I called your company directly late XXXX to ratify the situation and your representatives mentioned that they will submit a request to remove the late payments that are reporting on XXXX and XXXX of XX/XX/2020. I also remembered when COVID started my bank was closed and I couldnt see the transaction history and I was certain that your company had automatic payment authorization. Again, this never had happened to me, and therefore, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, I've personally re-assure that the payment comes out automatic and i'm meticulously paying down my payment as fast as i can, despite the COVID19 that's hurting my health now and i've lost my job at the car dealership.
03/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 94598	Web
In XXXX, 2021 I reported my credit card as stolen to the credit card issuer ASPIRE. My card, along with my wallet and identity were stolen and I filed a police report describing what had happened. Since then Im mid XXXX I received an alert from my credit reporting agency XXXX stating that I was past due on payment and when I looked into it I saw that this credit card that only had {$1000.00} limit had been charged and used for almost {$15000.00} in debt. Upon looking into this further the credit card was paid with other peoples accounts. I have since called ASPIRE and told them what happened. I had filed an affidavit with them as well as updated and made a new police report describing fully what happened. They closed the fraudulent account, opened a new account and sent me a new card.. however on my credit report they have updated the account as a charge off which means that I still am liable for this debt and am required to pay a big sum of money for something that was fraudulent and not me. This is ridiculous. Ive done all the necessary parts on my end in reporting this and documenting and sending what I have from the police. Ive filed identity theft months before this happened and I have not even close to this kind of money to pay a debt not mine. I want this account to be removed from my life and taken off my credit.
06/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 17325	Web
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports. I have had to flee 1200 miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
06/07/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30019	Web	Servicemember
Good Afternoon, I had an account go in a XX/XX/XXXX past due status from Fortiva credit due to the COVID-19 Pandemic in XXXX of XXXX. In XXXX of XXXX I was back on my feet and trying to get all of my financial affairs in order. I reached out to Fortiva on XX/XX/XXXX to pay my full balance and in return they would remove all of the late payments during this timeframe. They agreed and I paid the total balance in full of {$1000.00} and some change. I have been diligently working on my credit for the last 4 years and I knew with this I would help be able to purchase my dream home for my in the future. Fast foward to XX/XX/XXXX, I applied for a mortgage and my lender advised me because of the late payments that Fortiva promised to remove, I will not be able to purchase my dream home. I immediately called Fortiva and asked why this wasnt removed as stated back in XXXX of XXXX. They stated that I wouldnt have qualified under COVID guidelines. HOW??? We have technically been impacted by COVID since XXXX of XXXX. These credit card companies lie and prey upon the lower middle class to steal their money and all they can say is tough. I am a veteran and trying to become a 1st time home owner. Please have Fortiva correct this information as they stated they would and stop lying to their customers to just take payments from them.
08/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NV 89117	Web
On XX/XX/2022, I submitted my regular payment though my mobile app for Fortiva, in which the company received payment on XX/XX/2022, everything was fine. On XX/XX/2022, my bank account was hacked, and all the money removed. I informed all my creditors of the problem. Each creditor understood and so did Fortiva. After I received my new bank account. I called each creditor giving them the new information, this included Fortiva. They all wavier the late fees, including Fortiva. and all was well. In XXXX of XXXX, the payment for Fortiva was not paid because of the problem with my bank account. So, in XXXX in made the payment to Fortiva for fees and back payment from the new account. In XXXX of XXXX, I made the payment, and they used the old account number and then charged me with a return check fee and use my payment for that. I called customer service to get the fees refunded but was told that they couldn't because they had already given me wavier in XXXX. This error was not my fault but the fault of the company, because they took the XXXX 's payment from the new account, and they turned around and took the XXXX payment from and old account. I don't think I should have to pay for their error. Now my account is over the limit, and they closed my account and are sending me collection letters before the payment is due.
04/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	VA 201XX	Web
XX/XX/XXXX - contacted XXXX, XXXX, XXXX and XXXX at Aspire credit card company. Since XX/XX/XXXX I made a dispute request with aspire credit cards regarding a transaction for the amount of {$710.00} that was for XXXX XXXX XXXX. I have yet to receive a resolution or response for the dispute I made for the above transaction. I have called numerous times over the last year regarding the dispute that I had to wait around 3 to 4 months to receive the paper form to complete that can only be mailed to the consumer to request a dispute with supporting documentation and followed those steps. During XXXX the United States, Postal Service has been a nightmare, and everyone knows it. Im not the only individual that has seen a problem with delays. Just now I am being told that my dispute is not valid and in the timeframe of their parameters. I have a dispute, and the information that shows on credit card statements with aspire that the amount is in dispute and working on a resolution for XX/XX/XXXX, XXXX and XX/XX/XXXX. Over the past year and a half I have never received any response or been able to get a response from one of their associates one reaching out and has consumed numerous hours of my time with screenshots of 40 minutes 20 minutes an hour and a half trying to help get results of dispute. NO HELP!
06/21/2018	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	IL 60004	Web
I have my credit frozen at all three credit reporting bureaus. On XX/XX/XXXX, I received " XXXX XXXX XXXX XXXX XXXX '' credit card issued by the XXXX XXXX XXXX. The card is administered by XXXX ( who appears to be the primary problem as all correspondence and billing is completed by XXXX, not XXXX XXXX XXXX ). I did not order or apply for this card. I contacted the company and inquired as to what this was and they indicated it was the credit card that I applied for. I never applied for this card. They asked if I had made purchases at XXXX XXXX on XX/XX/XXXX in XXXX, Illinois. I indicated that I did not and that I was out of Illinois travelling for work all day. I requested that the card be closed and a reported as fraudulent. They closed the account. On XX/XX/XXXX, I spoke with the XXXX Fraud department and reported the card as fraudulent and inquired as to how they could issue a credit card to someone with frozen credit. They indicated that they did a " soft pull '' and that allowed them to issue the card. I am not sure what a " soft pull '' is or how that would be adequate to open a credit card with a {$7500.00} limit in someone's name with frozen credit. On XX/XX/XXXX, I received a bill for {$6200.00} for purchases at three separate XXXX XXXX stores. Fraud affidavit filed on XX/XX/XXXX - awaiting response.
12/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CT 067XX	Web
I ordered a replacement credit card on XX/XX/XXXX. The rep said it would go out the next day and I would receive it in 3-5 business days. After XXXX I called to see why I hadn't received it yet. The rep said they were having shipping delays and I'd receive it in 2-3wks from XX/XX/XXXX. I called the following week to get tracking and was advised that no cared had been shipped. I requested a manager who told me that I would not receive my card until XX/XX/XXXX. I called a week later, last week, to see if I could get another card overnighted to me or be told what the initial replacement card number was. I have several auto payments coming out of the account that have been rejected due to me not receiving a replacement card. I have no other source to meet these payment obligations. When the rep told me no, I requested a supervisor. This supervisor advised me that there was no record of me calling and speaking to any supervisor. I requested that the security dept call me back so that they could give me my new acct number. The supervisor told me that someone would call me back in 1-2days. I called back yesterday, a week later begging the supervisor for some type of accommodation to help me with the XXXX in fees that have accumulated due to the negligence of ASPIRE. She said she would research and call me today.
04/20/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	SC 29577	Web
On XX/XX/2021 I Purchased an item from XXXX for XXXX. An authorization hold was placed on my card ending in XXXX. The store I ordered the item from did not have the item in stock so they cancelled the order. The authorization hold was removed and returned the following day XX/XX/2021 by XXXX Transaction # ending in XXXX. Today is XX/XX/2021 I have reached out to Fortiva Customer Service via telephone and chat multiple times totalling 10 or more. They refuse to refund this money saying it has not been refunded. I contacted XXXX customer service again obtained screenshots from there computer systems showing the transactions and refunds again Fortiva said it could take up to 30 days. This is not the only refund I was owed I. Owed refund from multiple retailers totalling around {$200.00} However when I threatened to contact the XXXX my entire account history and all transactions were erased from my account. They are not accessable online or by telephone. I refuse to pay this bill until the proper adjustments are made. I am now over the limit when I should only have a balance of around {$200.00}. This company lied multiple times and has broken numerous Debt Laws. When threatened with CFBP my entire account history has been erased now I have no idea what they have charged me and for what transaction or when.
09/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92683	Web
I had a problem with a hotel reservation when I showed up to the hotel they gave me the key room and number I went into the room it smelled like XXXX I have small kids and an elderly person with me so it was not a safe environment for any of us that actually gave me a XXXX. Less than 30 minutes later I went back to the front desk I explained the problem and told them I could not be staying in a room that smells like this I would have to find another room and that they did not have authorization to charge my card the room is unfit and I would be leaving. They charged my card they have fought me over it I have made a complaint with my credit card company they are not reversing the charges at this time I've told them on two different occasions once in person over the phone and once in a letter written to him that I went through and spoke to the front desk told him not to charge my card they were authorized I told the manager on two different occasions they were not authorized to charge my credit card I've advised this to my credit card company and I'm still having issues and being charged for 30 minutes of being in the hotel at {$400.00} I don't think this is fair to a consumer to have to spend hours and days and hours to try to get their money back when they told him that they couldn't charge my card
03/24/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MO 631XX	Web
I saw a pending charge to this account on my account in the amount of {$650.00} Which is inaccurate because I never authorized it and no one seems to know what it is. I was at XXXX XXXX on XX/XX/2022. The office stated they could not see it in their system. They proceeded to print out all of my bills from their office which did not include this charge showed on my account in the app. I have spoken with several of your customer service employees and still have not received an affidavit they said would arrive. I spoke with XXXX on Friday, XX/XX/2022 and she said to email the signed affidavit to XXXX. I spoke with XXXX on Monday XX/XX/2022 and was told in 2 business days to receive it. My informed mail delivery service shows an advertisement postcard from XXXX XXXX is arriving today so I spoke with XXXX this morning on your chat she said it will be emailed within 2 business days. So I emailed a screen shot of the fraudulent charge to XXXX. Ive received no response. I mailed a certified dispute letter including conversations with 3 different customer service employees, with a return receipt today to their address in XXXX and the card has been locked to stop any more fraudulent charges. I just want the error fixed. Maybe it was a typo but I didnt order any services or products for that dollar amount.
02/21/2018	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MD 20878	Web
In XXXX of XXXX I opened a credit card account with XXXX. The literature that was mailed to me stated that the initial credit limit of {$700.00} would be doubled after seven months if the account remained in good standing. That is, no late payments were made on my part. I called XXXX in XXXX to ask when my limit would be doubled. The representative informed me that since all payments had been made on-time, the credit limit was set to be doubled in XXXX. After I made a on-time payment for XX/XX/XXXX, I noticed that the account limit was still {$700.00}. I called customer service and was informed that my account limit would not increased due to the fact that it had briefly been over the credit limit. I responded that this was not part of the original contract and reminded the representative of my earlier conversation with a XXXX agent. She then informed me that since my initial credit limit was under {$1000.00}, my limit would double after ten months, in XXXX of this year. She completely omitted the over-the-limit issue. Again I reminded her that I had spoken to an agent who indicated that the limit would be doubled in XXXX. The representative was very rude and constantly interrupted me. I informed her that I would report this matter to the CFPB, the FTC, and my state 's Attorney General 's Office.
07/08/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CO XXXXX	Web
Fortiva closed my account because I exceeded my limit. They sent me notice in the mail, in that notice it stated that I could call and make payment arrangements. When I called the Rep told me that my payment due for XXXX would be {$47.00}. A minimum payment of {$140.00} is showing online and in my statement. I wanted reassurance that if I paid the {$47.00} it would satisfy the XX/XX/XXXXpayment due. He said that only if I make that payment right then and there on the phone that it would. He could not provide any documentation that this was indeed true. I asked if it the payment amount would update online and he said if I tried to pay online I would have to pay the {$140.00} and it would not update to the new arranged amount. My due date is not until the XXXX, and I alway pay online, I simply wanted to pay closer to the due date. The Rep then said it was all still in process and that I needed to pay immediately. Keep in mind I have never been late, and all my payments have been made online. The letter they sent clearly states that I CAN make arrangements, the Rep could neither explain this or did he care to explain how I would ever have documetation of such payment arrangement. I would ask that the phone call be pulled so that CFPB can hear the circles and lies that were being stated by the Rep.
05/03/2018	No	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 21804	Web	Older American
On XX/XX/XXXX, I got a call at my workplace from XXXX at XXXX XXXX XXXX about an old debt that I co-signed with my father ( deceased ) on his XXXX card about 12 years ago. He used the card to purchase a TV and I co-signed. I never got any written notice about this debt or attempt to collect the debt. I recall that it was paid in full. They said the debt was {$450.00} but they threatened to escalate it to {$4000.00} with legal fees and court costs. I got a second call from the same person on Friday XX/XX/2018 again at my workplace for the same thing. She also threatened to send someone to my workplace to serve me. A third call on XX/XX/XXXX was from XXXX XXXX with XXXX also at my workplace. The phone # they gave me was XXXX and the account # was XXXX. The method of payment they wanted was for me to use XXXX or XXXX with email receipt. I did not agree to that. I asked for a mailing address and he did not give me that information. I did let them know that I disputed this debt and I called the XXXX card company and found out that account was closed a long time ago. I have not heard back since XX/XX/XXXX. I have contacted my Legal Aid office and was advised to file this complaint. I do not believe this is a legitimate debt collection firm since I never received any written notification from them.
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44125	Web
In XXXX of XXXX i had XXXX late payment due to a medical emergency, in which my husband had an injury that caused his left leg to be amputated that i want to provide documentation from the hospital to FORTIVA explain. I was reported to XXXX, XXXX and XXXX for the late payment. I called on XX/XX/XXXX and spoke to a representative to have my account reviewed and to see my otherwise excellent pay history and to get a goodwill removal of the late payment reporting. I was given a {$36.00} late payment fee credit, but that is not what i needed. On XX/XX/XXXX i was transferred to a supervisor named XXXX, who stated that there was no one higher up in the company that could help me. I asked if i could send him medical information and my sincerest apology but he refused. He stated that it is their policy to never remove credit reporting. I asked if he could send me that policy information in writing and he said he could not. He told me to review the credit agreement. I did review the credit agreement and it contradicts what he told me. They do not report late payments 100 % of the time nor do they say reporting can not be reversed. I never signed anything according to what he says their policy is on reporting. He then said, that is their policy and that he is releasing the call and hung up on me
11/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WA 98501	Web
In XX/XX/XXXX I received the billing statement that showed that in XXXX of the same year there was an automatic payment reversal of {$25.00} on my account ( XX/XX/XXXX ) then the payment is shown as received ( XX/XX/XXXX ). I don't know if that ties into my main complaint or not but I wanted to include information. About that same time frame I enrolled in the Aspire Credit Protection program which per their frequently asked questions and terms ... pays the minimum payment on the account for up to six billing cycles. ( See attached ). In addition it is stated that no credit protection fees or late fees will be charged while on the program. ( See attached ). For the last three billing cycles I've been charged a {$41.00} late fee every month and per the online chat conversation with customer service.. the minimum payment isn't even being paid. ( See attached ) This is all contrary ... ... to what in the terms and in the frequently asked questions on the company 's website. I asked customer service about this they stated that because the minimum payment wasn't being paid that I would be charged late fee and when asked about filing a complaint about that I was told that you can't file a complaint .... it is what it is. Now there's something shady and suspicious about all that.
11/29/2018	No	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	AL 360XX	Web
The company is XXXX/home improver card. I opened this account in XX/XX/2017. Limit was XXXX, I used for carpet in my house and a few other things, so therefore the balance went up. I never missed a payment, but i began to noticed each time I made a payment my balance was higher. I reached the XXXX limit, my payment was XXXX, I paid that, but the next month they would send a bill for over 2000. I requested they close my account. The account was closed with an available credit of around 35.00. But, again I received bill for over the limit of XXXX. I called and requested to get setup on online banking so I could print all of my statements. I was told the system would be down for 5 days and then I could access them, still could not. I have disputed with XXXX and added a 100 word statement. Also, the marketing, I am XXXX, when I opened this card the sales rep never told me anything about insurance for the card should you become unable to pay. I found this on my own, but I was too late. This is a predatory lender. I will never be able to pay this card off. They changed my minimum due amount 3 times as well. I called and asked why, they stated I had a return. I never returned anything ever. I need help with this, I can not pay this, I am XXXX and they are deliberately robbing consumers.
10/17/2022	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	CO 80909	Web
During late XXXX through XXXX until XXXX I was making payments... the system kept saying my bank was rejecting the payments but yet most showed on my bank statement ... my bank also said they never rejected my payments to the credit card ( issued by fortiva )... so all my payments were reversed ... I called them and told them what was happening but never received a return phone call from management ... I finally made a payment to close the account over the phone with an agent in XX/XX/XXXX thus paying off the card and the account was closed ... in XX/XX/XXXX I get a text message from them saying I owe them. I called the company and the agent mumbling barely understandable said I owed {$400.00} for reversed payments that happened in XXXX. I did not have an account opened at that time and I had already had a phone agreement saying I was completely paid off ... now over a year later this comes back up. I told them several times there computer system was screwed up and it needs to be fixed and checked. Apparently they paid no attention to this issue as it comes up again. There are many bad reviews about this company ( Fortiva ) and the way their app works... I believe they also have fake in company personel creating positive reviews. To say finally I paid off this card completely!!!
03/20/2016	Yes	Credit card	Billing disputes	TX 75089	Web
On XXXX XXXX, I made an appointment with XXXXXXXX XXXX about considering possible XXXX. I was told I was an excellent candidate.They treatment was {$580.00} which they financed through FORTIVA, XXXXXXXX. Less than two weeks after the treatment I went back and spoke with the Manager and said the treatments did not work and now I have a XXXX. She told me she would get with her Regional Manager and get it resolved. Two weeks passed, i heard nothing so I started to call. They said they would refund the unused XXXX units I disputed the total transaction with FORTIVA and their response was a copy of the contracts I signed with XXXX. I have since written FORTIVA telling them that the contract I agreed signing however this was obviously not the dispute. I have not had a response. They however did send me a letter threatening to wire off my account and report me the credit bureaus. XXXX did offer me an appointment in XXXX to resolve the issue then cancelled the appointment. I now want a refund to the account and do not wish to do any further business with XXXX. FORTIVA appears to be clearly on the side of XXXX and directed me to resolve with them. XXXX has made it clear and thus I demand a full credit and the account removed from my credit bureau trade list. Thank you, XXXX XXXX XXXX
01/10/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 08005	Web	Older American
Aspire ( credit card company ) informed me in XXXX, 2023 that they had closed my account in XX/XX/2023. I made a payment of {$350.00} and Aspire made a 50 % match payment of {$170.00} in XXXX. Despite my account being closed, Aspire continued to charge me monthly fees, late fees and an annual fee of {$49.00} in XXXX, 2023. They fraudulently charged me {$12.00} in monthly maintenance fees, and {$41.00} in monthly late fees for XXXX months. Aspire also reported those payments as late to the credit agencies. I have called numerous times to tell them they need to report the account as closed as of XXXX, and to stop fraudulently charging my account. They never have a supervisor available. All they offer is another price match, where they will match my payment with a 50 % match payment. Aspire continues to charge late fees and monthly maintenance fees. I will provide the monthly statements that prove the account was closed and they continue to charge fees that no longer apply to a closed account. I am struggling, and Aspire is illegally harming my credit score, making my struggle harder. How is this legal??? How can they continue to charge late fees and maintenance fees on a closed account? How do they get away with charging an annual fee two months after THEY closed the account??
11/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 905XX	Web
On XXXX/XXXX/20, Fortiva emailed me my account has been closed effective XXXX/XXXX/20. I paid off my credit card and requested to close it. On XXXX/XXXX/20, Fortiva emailed me to notify that there was a new purchased activity has been applied to my account. I spoke to Fortiva Credit Card customer service representative and I was advised to submit Fortiva Fraud Affidavit. It was proved that transactions made was fraud. Fortiva never reported to 3 Credit Bureaus that my account has been closed. On XXXX/XXXX/20, Fortiva emailed me RE : XX/XX/XXXX2020 electronic statement is available. When I logged in to XXXX XXXX, I still have access using my username & password. This time the account was opened under my name with different account number. I never authorized Fortiva to open a new credit card account. It says my card has not been activated but I have a current balance of {$25.00} and is due on XXXX/XXXX/20. As I have mentioned earlier, my account has been closed since XXXX/XXXX/20. Fortiva should have been reported to 3 Credit Bureaus my account has been paid off & closed as I requested it. I never authorized Fortiva to open a new account. Fortiva continues to report to credit bureaus my account is open & will have this {$25.00} as delinquent if I did not pay by XXXX/XXXX/20.
03/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 30028	Web	Servicemember
I completed a refinance on our home in early XX/XX/2023. As part of it, there were checks cut to pay off bills, one of which was Aspire credit card of my wife and myself. The total amount sent to me from the escrow company was {$2900.00} ( it was a combined about for both cards ). I wrote each account number of the check, our names and last 4 of XXXX for each respectively. I sent it over night via XXXX through XXXX on XXXX XXXX to which it was received on XXXX XXXX. Aspire did not post the check until the XXXX XXXX, not the date it was actually recieved, after I had to inquiry multiple times as to where it was. Then they posted it only to XXXX account which left one account unpaid and the other with an overage credit of {$1500.00}. I requested the overage on XXXX XXXX and was told it would be 7 business days to process and the check would be sent and to me within the next 10 days after that. However, as of today at XXXX XXXX on XXXX XXXX ( 10 business days later ) there still remains a credit on my account. I keep being told it is 7 business to process and 10 days to get the credit back. We are past the time frame. I want the credit on the account returned to me within 48 hours via overnight delivery or to the payment account I have on file with them via direct deposit.
02/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 483XX	Web	Older American, Servicemember
Aspire will not allow me to make a payment towards my Aspire credit card. Yes, you heard that correctly.. I have been in the hospital for the last 3 weeks. Returned home on XX/XX/23. My aspire credit card was set on Auto pay but the payment of {$53.00} was returned as a result of me not having access to my bank accounts due to being hospitalized. Therefore, today XX/XX/23, I logged into my account to cover that payment using my debit card. I received a pop up that I could no longer make online payments. I used the Live Chat and they could not give me a reason, just stated I had to call to make a payment. I am XXXX XXXX XXXX, just out of hospital and due to bad hearing I get a lot of anxiety trying to discuss things over the phone. Plus why would I not be allowed to make an internet payment with a DEBIT CARD. SInce those payments are processed immediately. Seems Aspire is trying to make it difficult to pay my account then charge me hefty late fees. I have had a few payments returned but always covered them. Plus Aspire sufferers ZERO harm if a payment is returned. I am the one harmed with high return fees or late fees. This policy Aspire has refusing to allow me to make an online payment is absolutely harmful to me, is discriminatory and violates Federal policy.
10/05/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NV 89183	Web
On XX/XX/XXXX a charge was made for XXXX at XXXX and on XX/XX/XXXX a charge for XXXX was made at XXXX which I did not make or authorize. When I did review in detail my physical billing statement from Fortiva Credit Card Company I contacted them to file report regarding the fraud. I submitted all requested documents in timely manor to company. on XX/XX/XXXX I received a letter from Fortiva Credit Card Company Stating that " due to fact that I had accessed my online login and was provided with balance and transaction history prior to contacting fraud unit my claim was denied '' My issue is I have multiple credit card accounts all with various credit limits and various balances. I do not recall if I did login to my Fortiva account or not and if I did the fact that I did not notice fraud had occurred should not be a reason for Fortiva to deny my claim. As sated I do not keep track of all of the many credit cards that I have balances, I look at my billing statements when I get them and thats how and when I noticed the fraud charges and I contacted Fortiva soon as I noticed. PLEASE NOTE THE FRAUD OCCURED ON MY ACCOUNT ENDING IN XXXX I DO NOT KNOW THE FULL ACCOUNT NUMBER BECAUSE IT WAS LOST IN NEXT SECTION I WILL PROVIDE MY CURREND CARD NUMBER SO FORTIVA CAN PULL MY RECORDS.
05/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	VA XXXXX	Web
I contacted customer service to inquire about why my account is showing XXXX credit available despite making payments to bring it current. During my conversation with a woman named XXXX, she informed me that my account was closed on XX/XX/2023, due to missed payments. However, I never received any notification about my account being closed, even though I missed only one payment for XXXX. I made payments on XX/XX/XXXX and XX/XX/XXXX, but my available credit still shows XXXX. In my conversation with XXXX via chat, he mentioned that a notice regarding the account closure was sent to me by mail. However, I did not receive any letter, and I have also opted for paperless notifications. On the other hand, XXXX stated that no letter was sent, and it would take 7-10 business days for me to receive one. Instead, they were sending me text reminders for making payments, which is not the same as informing me about the account closure. I made payments on XX/XX/XXXX and XXXX, respectively. XXXX mentioned that these payments were applied to the XXXX billing cycle, but nothing was applied to the outstanding balances for XXXX and XXXX. Currently, my account shows an no payments due at this time, and the total of my recent payments. But theyve closed my account for non payment.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10310	Web
Aspire is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Aspire is in clear violation of this law. Aspire is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. Aspire has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48219	Web
XX/XX/XXXX XXXX statement generated for the amount of {$200.00} due XX/XX/XXXX. I made a {$500.00} debit card payment on XX/XX/XXXX. I checked my XXXX credit report on XX/XX/XXXX and noticed Fortiva credit card monthly status reflected " late ''. I spoke with a Fortiva representative that day and the conversation goes as followed : Myself : " why is the company falsifying that I was late 30-days for the month of XXXX if in fact I made my payment 6-days past the due date not 30. '' ( In addition, made another payment of {$75.00} XX/XX/XXXX. ) Representative : " our billing cycle generates on the 15th of each month and is automatically reported to the bureau. Since you made a payment of {$500.00} you don't have to make a payment for XXXX. '' Myself : " come XXXX once the billing cycle generates again then the month of XXXX and XXXX should reflect as paid and in good standing. '' Representative : " yes. '' This incident did not sit well with me so I contacted my financial advisor and she recommended me to this site to file a complaint. I am in the process of trying to purchase my first home and this particular incident is impacting my credit score and can potentially hinder me from being approved for a mortgage loan. Thank you for your time, patience, and effort
03/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 90631	Web
Let me begin by saying I take ownership in the fact that I was not reading my statements. I would open my statement, read my balance, and make a payment, but not thoroughly reviewing any charges. Last month I noticed an account maintenance fee, and I called to inquire what that fee was. The first thing the rule young man on the other end of the phone said was that its always been there, and Ive been paying it. So I explain to him that I had not noticed it before and what is it? He responded to say its a fee used for dealing with their customer service so I explain to him that Ive never had to call customer service, so please remove the fee. He said they could not remove the fee because its part of their service so then I asked him to go ahead and close the account and he said OK and advised that would stop that monthly fee. I just received my XXXX statement, and the fee is once again present so when I called today I received a totally different story, unrelated to the one that the previous agent had shared with me. Today I was advised it is a fee that can not be removed, but she really could not explain to me what the purpose of the fee was. I feel like they are taking advantage of people who are working hard to rebuild their credit with this type of fee.
06/23/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MI 483XX	Web
I have a Fortiva Credit Card with a {$500.00} limit. The card has not been working due to unannounced freezes in which I never received any sort of heads up. Currently, XX/XX/2021 when you call the number XXXX XXXX XXXX it says that there is some sort of update in progress. I have not received any emails or literature about the update and received no notices about updates via WEB portal or mail. I believe it is a scam so I wanted to close my account because I have a card that I can not unfreeze or close. I have been trying to close my account now for 3 days and have been placed on hold excessively ( +15 minutes ) multiple times throughout the last 3 days. Each of the 9 different people I have spoken to have said different things about my account and why it is frozen, or why they cant help. I even tried texting them and chatting with them about closing my account and they do not respond after I say I want my account closed ( they ask for my email but never respond and I received no emails ). At this point, they are stalling to earn interest and charging monthly maintenance fees and yearly fees for an unusable credit card account. They make it virtually impossible to close accounts. Impossible to use the card while they charge fees and accrues interest.
06/08/2021	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 808XX	Web
Orginally applied for an account through XXXX for a sandbox. Thought the creditor was XXXX. Purchase was for XXXX on XX/XX/2021. I never got a written or email statement from Fortiva. I got a text message on XX/XX/XXXX for XXXX minimum payment due on XX/XX/XXXX. Never received an exact balance due notification. I tried paying on the link several times with both debit and checking information but kept saying it didn't go through. I still couldn't figure out who the creditor was. Think it was XXXX I get a threatening letter so tried the link again. No account information on this letter either. Just I needed to pay XXXX or XXXX bucks or they would do everything in their legal power. Link still didn't work. Now getting the same kind of letter with no account information. Just threatening text. Just says to call office promptly to pay {$90.00}. I don't have an exact amount, account number, or statement ever provided. Other reviews state this company is making false charges on their checking account if they give this information over the phone. I am terrified to do this. They are not XXXX accredited. I would like a secure payment method, an actual statement, additional charges removed since this information was never provided, and off my credit report.
01/23/2019	No	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	TX 78260	Web	Servicemember
The payment system and deceptive billing practices used by XXXX seem to intentionally cause customers to default, or have late payments. For example, if a person makes a payment on the due date. XXXX will not process the payment until a few days later and post the payment on the day they processed the payment ( not the day it was made ). Therefore, the customer incurs a late fee for a late payment. A second scenario, a customer makes a payment 3 days prior to the due date. XXXX still processes the payment after the due date and post the payment to their customers account after the due date. The customer still incurs a late payment fee, because XXXX did not process the payment until after the due date, although the payment was made before the due date. The payment system used does not seem stable and has had issues processing payments. Also, causing customers to keep trying to make a payment online and sometimes will cause the customer to be late. Or force the customer to submit a payment in an alternative method ( mail ) which will also cause the customer to incur late fees and a late payment. XXXX also reports an account as " Closed '' to the three Credit Agencies, even though the account is truly not closed by XXXX or the customer.
04/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 44146	Web	Older American
Fortiva credit card has issued excessive fees on my credit card. My due date is the XXXX of the month, XXXX, XXXX, I paid the bill the XXXX .TWO DAYS late because I was ill with covid. I called the company and the representative stated they would waive the late fee. HE DID NOT!! Not only was it not removed, from XXXX to XXXX, I am being assessed $ XXXX, As of XXXX, the minimum payment due is {$240.00}, which I can not afford to pay., I had previously paid over the minimum amount due which ranged from $ XXXX. I always paid $ XXXX which WAS over the minimum payment I NEVER missed a monthliy payment. .However, this company does not appreciate the consistent paying consumer. Does not hold true to their word ( waive the late fee ) and fleecing the consumer with continual, excessive late fees. As of today, XX/XX/XXXX, I closed the account, however, was told these late fees will continue. {$46.00}, month which will soon equal the total amount due XXXX,, I have until XX/XX/XXXX to pay the {$240.00}, for XXXX, which will continue to accrue. Presently, theyre, asking 45 % of the total balance {$550.00}. Please help me. This is totally ujust. On XX/XX/XXXX, I faxed XXXX. documents with the statements along with my complaint, I have received no answer.
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28715	Web
I saw an unknown credit card on my credit report from XXXX FORTIVA XXXX, which I did not apply for. I reached out to XXXX and filed a dispute on XX/XX/23. They completed their investigation on XX/XX/23 and said the account is verified as accurate. I reached back out to XXXX again explained that this credit card is not mine but I was told to file a second dispute. I tried to call the credit card company to cancel the card, and they asked me to provide the last 4 digits of the credit card which I do not have. The consumer credit report that I received from XXXX doesn't show the last four digits on the account. I also tried to log into the credit card 's website to cancel it that way, but their website kept rejecting my phone number as incorrect, although it is a number I have had for over a decade. Please help! Thank you! INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. XXXXFORTIVA XXXX XXXX XXXX XXXX XXXX, GA XXXX
11/17/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	OK 745XX	Web
I've filed a dispute with XXXX XXXXXXXX XXXX XXXX XXXX . where I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/2017 serving a XXXX year sentence in the XXXX XXXX XXXX XXXX. Where I am housed at the XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX and my XXXX XXXX XXXX XXXX I looked on my credit report, I seen an account from Fortiva credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX XXXX XXXX with my Social security card. Which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been XXXX for the past five years when this account was opened in my name I was in the XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 5 years where no credit card was ever Sent to me at my apddress at a XXXX XXXX. this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
09/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TX 77070	Web	Older American
ortiva Credit Card issued by The XXXX XXXX XXXX, XXXX XXXX, XXXX Has closed my account claiming it is due to payment history. They have not given me any notice and are in violation of it's own policy. I was notified today that my account was closed by them in XXXX. If you review the statements attached you will see that my account was active and last recent purchase with the card was made on XXXX. Fortiva has no valid reason to close the account, and Fortiva can provide no notice or reason sent to me ( per their policy claiming that they are closing the account for any violation ). Instead Fortiva, continues to accept payments on the credit the provided and refuse to make that amount available for me to use, claiming for some reason that my account is now closed. This bait and switch should not be allowed and is deceptive. This account has been open since XXXX of XXXX. A missed payment does not justify closure of a account. Nor is it part of its own customer agreement to do so. Fortiva has clearly charged a late fee for that missed payment and was paid that late payment and account was in good standing and a purchase was made this month, there is no valid reason Fortiva can provide to close this account. ( see the statements attached ).
04/28/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	FL 326XX	Web
Purchased a treadmill from XXXX in XX/XX/XXXX after being approved through their website for 0 % interest for 12 months. Treadmill was delivered and finally, in XX/XX/XXXX , after I had to call and email XXXX to find out who the creditor was, I got my first statement from Fortiva Credit with the m inimum payment due along with an offer to sign for auto payments from my checking account. If I signed up for auto pay, I 'd get a {$25.00} bonus credit to my account after making the first payment. I made the first payment on th e XX/XX/XXXX & noticed on the XX/XX/XXXX , an imposition of interest in the amount of XXXX . I contacted Fortiva Credit through the online chat feature and was told that my account did not have the promotional 0 % interest. When I inquired about the {$25.00} bonus, I was told repeatedly that the credit would post after the first payment had cleared. When I pressed the rep that the payment had cleared on the XX/XX/XXXX , I was to ld that the credit would post 37 days later. So, Fortiva Credit is bait and switching on the terms of the contract and also continuing to r ack up interest charges for an entire statement cycle before issuing the credit. This was not included in their disclosures.
10/19/2021	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	TX 76134	Web
When I made the purchase we agreed upon $ XXXX {$40.00} a month until the {$1500.00} was paid off. My 1st payment seemed fine I paid {$43.00} XX/XX/21 even though I paid my amount they attempted to pull the full XXXX balance from my account. I called in no one understood what was going on said it was a glitch wouldnt happen again. I get a text saying my next payment will be for {$88.00} they explained that the amount inflated no where in my contract was that correct. The manager basically hung up in my face and never called back then collection calls start they attempt to take XXXX again for the XXXX still implying its a system issue i remove my autopay at this point. They said my balance was XXXX i paid it never posted, now they say i owe for two months a payment of {$88.00} and {$39.00} no one can explain the amounts and its not whats agreed upon in the signed contract.the company is unethical and untrained to deal with the ins and outs of an account they are really rude and are not helping just swindling the consumer by the way she said i had to pay the late fee before it was waived. I need help with this as today XX/XX/21 Im still being treated this way i just want to make a payment not teach Fortiva customer service and support.
07/21/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	WA 98028	Web	Older American
I received a letter from this credit card Fraud Control - saying that they thought there were possible fraudulent activity on the card. A phone # was listed and i was asked to call verify or not the charges. I tried 4 days running to reach someone at the phone # - but it was only a recording that said ' leave your phone number and brief reason for the call and we will get back to you " Two weeks went by and i got no call - Finally I tried again and this time I asked why no one had called me back and she said " we did " and i said I had not received any call! She insisted so I asked for the person who said she had called me. This person said that she had called me - that I had answered as XXXX XXXX and had verified the charges as being mine - I reiterated my two phone numbers which they had on file and I certainly did not recognize the - XXXX XXXX number. I finally received an affidavit form and I sent it back filled out and with a copy of my drivers license as requested - it had to be received within 14 days and i mailed it back on the second day. after I received it Now they say because it was not back within the specified time - their fraud control was hindered and I must pay the charges + late fees - XXXX + late fees - no recourse
08/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	CO 80550	Web
XXXX XXXXfortiva closed a card account of mine that was used to purchase my fortiva alarm equipment, I had paid offthe balance early. The account to my understanding was not set to close until 2026. They than issued me a new card issued me a new XXXX XXXX and account all of this was done fraudulently without my express consent. I called fortiva to find out what was going on as it had lowered my credit score closing and adding a new card and was transferred to different people several times which took a lot of time from my day at work. The last gentleman that I spoke to said his name was XXXX XXXX, I recorded the call from that point on. He was very rude with me when I asked how they opened an account and closed accounts without my consent, he explained that they sent an email ( which I never received ) that me not responding to that email meant that they could open a new account and close the other account without speaking to me or asking me for permission. I then asked him for his name and to repeat what he said and asked him if the actions they arbitrarily took would affect or lower my credit score, he stated it would not affect my credit score at all. My credit score has been lowered a total of XXXX points from this.
11/26/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	AL 365XX	Web
XX/XX/2021 XXXX a.m. Aspire Credit ( XXXX XXXX XXXX ) XXXX XXXX I talked to a account specialist named XXXX that works for Aspire. I requested that my card be fit to use for XXXX pay. He told me I needed to send 2 forms of ID, I told him I didn't want to send my info to a random person in a department and didn't see the need to because I've been using the card, I've made numerous verifications and I'm the sole user of the card. Also, I initiated the request to add my card to XXXX pay ; so for my account to be suspended because I didn't want to send my own information shows abuse of authority by a low tier subordinate. I feel I'm being discriminated by aspire because of ethnicity. I'm always having to verify purchases ( usually my card will decline and I have to verify the charge over txt ... .and usually that takes a hour for the txt to come thru to my phone ). It very repetitive and it's not requested. Also XXXX is a low tier account specialist ; he shouldn't be allowed to make these type of decisions. His English is way too broken and seems very XXXX in how he structures and forms his words. I could barely understand him. XXXX also talked to reps over chat to explain my situation. One had disconnected our chat.
10/02/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60608	Web
In XXXX I lost my job due to covid, I worked at a hotel and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to Fortiva when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in XXXX I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. Fortiva told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling Fortiva and they keep telling me that it will be deleted and still don't see it deleted on my credit report.
07/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CO 80249	Web
The ending of XX/XX/2021 a XXXX excercise bike was order thru Fortiva Retail Credit amount was {$2000.00} and the bike was {$1400.00} I had for almost 2 weeks but I decided I wanted to return the bike due to not being fit for me so I contacted the merchant Fortiva Retail Credit and also XXXX and made return request to have them pick the item. they received the item on XX/XX/2021 which was credit back {$100.00} and {$1300.00} just before that a payment was due on XX/XX/XXXX which I made a payment of {$82.00} before the due date and I still return the item back to them. Now after they received everything back and I don't have nothing of theirs they sent me a statement stating I owe them {$45.00} for what?? I don't know, I am not late on anything I contacted them 2 times already and nothing is being resolved but the representative arguing with me about the balance owing. I asked them to explain what I owe them for she tried to say that before the purchase and I explain I gave everything back and on the statement it stating late fee which I didnt have a late payment at all but they trying to charge me {$45.00} for what they can not explain I asked for a supervisor or manager and gave me a dispute number XXXX XXXX
05/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NV 89113	Web
I'm on paperless billing, the company sends out reminder texts for payments. Unbeknownst to me, the reminder text shorts the amount that is actually on my paperless statement. On XX/XX/XXXX, a bill was generated with the minimum payment being {$96.00}, I received a payment reminder text message on XX/XX/XXXX stating my payment was due on XX/XX/XXXX for {$66.00}. I make my payments every 30 days as required by my bills. The company immediately after my payment on the XXXX, charges their interest charges and fees on the XXXX. On XX/XX/XXXX, fees were billed to my account that put my account over the credit limit, the company benefited from this because they we're able to charge me more interest based off of these fees. Furthermore, the intentional shortage of my minimum payment in communications received by the company continues to cause me to have a higher balance. I understand I would owe interest on my balance, but it seems predatory that the amount is intentionally short to create a larger revolving balance. For people who are on paperless billing and never receive a communication that a bill is available to be viewed, the accuracy of the website and payment reminders is not only necessary, but imperative.
04/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	MI 48187	Web
I received an alert from XXXX XXXX XXXX and XXXX on XXXXXXXX XXXX,2023 that I opened a new account and it affected my credit score. I checked and saw that a credit card was issued by Fortiva without my consent. I already had retail credit with Fortiva for my XXXXXXXX XXXX for my home ( not my choice-this was the creditor I had to use when I set up XXXXXXXX XXXX for my home ). I never applied for a credit card with Fortiva. I did receive many emails offering a credit card by Fortiva but I never responded to their offers. I always ignored the emails unless it was the emails letting me know that my monthly charge for the XXXX account was being automatically deducted from my bank account. I did call Fortiva right away and then know what they did was not right and it has terribly affected my credit score. The rep knew how upset I was from letting him know that I never consented or approved them opening a major credit card. He apologized and closed the credit card account and told me to shred the card when it arrives. The Card arrived the next day on XXXX XXXX2023 so I shredded as advised. This has greatly damaged my credit score which I spent years getting to the excellent status it has been before this incident.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30349	Web
On XX/XX/2023 I filed a complaint with Consumer Financial Protection Case number : XXXX. After filing the complaint, The Company Fortiva retaliate by closing my Fotiva account. When I called and required about why my account the representative stated that on XX/XX/2023 that called and told them not to contact them again. Which I did not do nor did I contact them on XX/XX/2023. I asked to speak with manager and when the manager came to the phone, she told me three different stories to why it was closed. She started out with the same lie that I called them and when I asked who they spoke with and the time of the day she changed her story and said they talk with a third party of my home. I asked who the third party was and give me a name she couldn't give one. Then she changed the story again and said it was closed because they had the rights to close account because the way the account handled. I asked her to explain and she would explain to what that mean when I told her I had a letter from Fortiva removing all these late fees from the account do the way they handle me and the account. This was 100 % retaliation this closed account should not be on my credit report and also paid the account balance in full
08/31/2021	No	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CT 06320	Web
On XXXX XXXX XXXX XXXX XXXX XXXX came to my home to fix a clogged basement drain. They stated that the problem was a collasped sewer line and that the bill would be {$8000.00}. toXXXX. the price soared to XXXX most because of unnessary work. I was never given a opportunity to get another estimate for as XXXX was telling me the problem the electric company arrived to paint digs lines. I was advised that XXXX XXXX would be apply for credit for me. On XX/XX/ I was confronted by the tech on the job that I needed to handle the bill. I advsed him that XXXX was suppose to handle it. He kept his vehicle in place not moving it so I could go to work. On XX/XX/ I received a call at XXXX XXXX that the tech was outside and would stay until I dealt with the final payment. He came and called XXXX of XXXX XXXX and opened a account for 28.99 %. ON XX/XX/ I received mail that XXXX XXXX XXXX also opened a card on Fortiva retail Credit. I have no idea about that account or what is charged on it. As of this time I have neither seen a bill or anytype of accounting of this Job. I have no idea how many accounts have been open. I believe that XXXX XXXX XXXX engaged with both Fortiva and XXXX in a scheme to of preditory lending.
03/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	FL 32810	Web
I receirved a Fortiva mastercard that I did not apply for. I had a retail acccount with Fortiva with credit limit of XXXX with balance owed down to XXXX which I have had since XXXX. Than I was sent a Fortiva mastercard with a XXXX dollar limit with APR of 29.9 %. I called the company and I was informed that they sent me an emial on XX/XX/XXXX stating I was being upgraded and if I want to opt out I had 45 days to respond. However, I have kept every email I have from Fortiva and I explaned to them over and over that I did not get that email. I than contacted the corporate office and spoke with XXXX at XXXX XXXX Tues XX/XX/XXXX and informed me that he needs to speak with his legal department. I spoke with XXXX again on XX/XX/XXXX and he informed me that there was nothing they do and refused to switch me back to my retail account. I again told them that I never authorized my retail account to be closed and never authorized a new mastercard account to be opened in my name. I never recieved such email and I asked to send me the orginal email that was sent or an orginal letter that was mailed informing me. Fortiva has been unwillingly to provide this information. I feel like this decepive to me as the consumer.
09/25/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	NC XXXXX	Web
XXXX a retail account was opened with Fortiva for XXXX security system. Between XXXX to XXXX I gave approval for Fortiva to do automatic payments using my debit card. At some point after XXXX Fortiva switched my account to a credit card without getting my authorization for a credit card. I found out that this was done when I start receiving payment notices with late fees. I then called in and advised the representative and the manager I spoke to that I did not authorize a credit card and I also had an approval on file to pay the retail account via my debit card. The manager then proceeded to say once they changed the account to a credit card they no longer had my authorization for payments. I asked why would they give me a credit card I did not apply for and did not authorize. Fortiva could not explain that and I asked to close the account because that is fraud. I also asked the manager to clear the late fees as this was not my fault and I did not approve a credit card in my name, which he refused. Now, Fortiva is reporting this to my credit score as late payments with late fees. As a consumer this is unfair. I have tried several times to have this fixed with no results. Please help me, thanks
03/01/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PA 190XX	Web
It's a derogatory reporting to my credit report from Aspire Credit Card ; which is causing me hardship.They have sold my credit information to various credit collecting agencies.These agencies have violated me in so many ways. They are sending me letters, texting my phone, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our XXXX XXXX XXXX The violation becomes over kill, and is a XXXX issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. I can send in any documentation as requested. This include emails, text, letters, a call list. " The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.
05/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NE XXXXX	Web
I had issues with paying on the cards Cards are dealt by the same person same address out of XXXX Georgia they kept saying that the payments were not going through but they were going to on my side through my bank and through my debit card that I was using then they used the excuse that because the credit was over the limit by {$1.00} or more they decided to close my account they keep charging monthly payments to my account In the amount of over {$50.00} a month I contacted them on more than one occasion to get this corrected and they never did anything that kept saying that it was never going through and the day before I was actually gon na make a payment to both of them they decided to close them on their own their own I had to find out through my credit report on XXXX XXXX so my advice to anybody do not yet Forteva Or aspire credit cards. They will say that they will work with you but then they won't they'll just close your card and keep charging you in 2 months 3 months that it's been close on one card they have charged up over {$400.00} the other 1 is almost 600 II refuse to pay them because because the fact that I tried paying them when they were open And they kept denying the payment
09/12/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WA 98092	Web
On XX/XX/2020 Fortiva Retail Credit agreed by written and oral communication to settle account ending in XXXX for an amount of {$3300.00} and to further report the account to the credit bureaus as paid settlement with a XXXX balance. As agreed, 10 Payments of XXXX were made to Fortiva ( as shown in payment ledger courtesy of XXXX, debt consolidation company authorized to settle this account on my behalf ) The original debt for this account ending in XXXX was {$5800.00}. The settlement agreement reduced the debt owed to {$3.00}. As agreed, All 10 payments were made on time and were accepted by Fortiva. All proof is attached of agreement and payments made. After 28 calls and written communication to Fortiva, Fortiva has not resolved this debt for account ending in XXXX as they agreed to. They are continuously and aggressively trying to collect a debt which I no longer owe per our agreement. In addition, they have not corrected my credit report as promised in their written communication. Please help me, no one from Fortiva has helped me. They They keep giving me the run around transferring me from agent to agent with no resolution. Please help me. This has been a nightmare. Thank you. XXXX XXXX
05/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	NC 28269	Web
Sent several dispute letters about inaccurate information being reported to consumer reporting agencies along with asking for general disclosures 15 USC 1638 so I can know my consumer rights with this financial institute. I've sent 2 negotiable instruments for payment in XXXX and XXXX ; the company has failed to comply with the law regarding negotiable instruments. I haven't received the negotiable instruments remittance back from Fortiva or a letter of dishonor stating why they were not accepted which the law clearly states these are the steps that should be followed. Before the account was closed in XXXX and I disputed the billing errors ; Fortiva charged me late payments the same day the bill was due XXXX and XXXX. The account has be closed since XXXX and I'm still waiting on a response from my disputes letters sent in XXXX and with the account being closed Fortiva has failed to comply with the law reporting late payments interest while the closed account is under dispute.15 U.S. Code 1681s2 I have XXXX emails from the company Attempting to collect a debt from XXXX. The list of violations from this company and there negligence is something I've never experienced. FORVITA ACCOUNT # XXXX
10/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	MI 48036	Web
I applied for a credit card with Aspire and was approved for {$700.00} credit limit and was told there was a {$170.00} annual fee charged to the card upfront, which I accepted. I was told my would arrive in 10-14 business days. When my card had not arrived by XX/XX/XXXX I contacted customer service and was told that they would cancel the card and reissue a replacement card. But I should pay the minimum due because that was part of my annual fee. I paid the minimum payment and waited for my card, which should have arrived by XX/XX/21. When it had not arrived I contacted customer service on XX/XX/21 and they stated they would cancel the card again and reissue another card. I requested that they send it via express ( XXXX ) service. I called today ( XXXX ) to verify if the card was shipped and if it was sent express, and I was told it was sent via regular mail. At this point I'm doubting this card will reach me. When I told them I am disappointed and want to close my account and their actions seem fraudulent they disconnected my contact to them. After researching online I am seeing that this is a pattern for them of not sending people their cards, but making people pay for their annual fee.
10/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 306XX	Web
XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my Fortiva/XXXX account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration. Have a blessed day!
09/15/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 295XX	Web
I have a credit card with Fortiva. I obtained it in XX/XX/2022. I am in the process of rebuilding my credit and was aware of the {$170.00} first year annual fee which would be reduced to {$49.00} for the second year and years thereafter. Looking at my statement today, I discovered Im being charged a monthly {$12.00} account maintenance fee. When I asked why, I was told that when the 2nd year begins, the annual fee drops to {$49.00}, and the monthly account maintenance fee of {$12.00} is charged to provide basic services, such as online chat and other things, to which I pointed out that I have other credit cards that provide such services without charging any fee. Then I did the math- {$49.00} + {$150.00} ( XXXX. for XXXX months ) equals {$190.00}. Thats an extra XXXX XXXX over the first year {$170.00} annual fee! I think this is a major deception by Fortiva to gouge their customers, many who, like me, arent even aware theyre doing it. Fortiva makes it sound so appealing- {$170.00} for the first year, {$49.00} after - and no mention is made of the {$12.00} account maintenance fee that gets charged after year one that puts almost {$25.00} extra per month per customer in Fortivas pockets.
10/15/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	CA 90028	Web
Aspire Visa Customer Service Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Fraudulent Account from Credit Report I am writing to inform you that an account listed under my name with your institution has been opened fraudulently. I have recently discovered this unauthorized account on my credit reports from XXXX, XXXX, and XXXX. The details of the fraudulent account are as follows : Account Number : XXXX I have not authorized the opening of this account and have taken immediate steps to report this identity theft to local law enforcement and the Federal Trade Commission ( FTC ). I have attached copies of these reports for your reference. I kindly request that you investigate this matter promptly and remove this unauthorized account from your records. Additionally, I ask that you contact each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) to inform them that this account was opened fraudulently and should be deleted from my credit reports. I understand the seriousness of this situation and am eager to cooperate fully in this investigation. Please let me know if you require any additional information or documentation from my end.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 14120	Web
I have paid a {$820.00} settlement on XX/XX/2022 towards an account that was with Fortiva Retail Credit. I have disputed this account with XXXX and Fortiva has refused to update my Credit Report to Legally paid in full for less than the full balance. Yet they just refuse to update my credit report at all. This was what the XXXX representative has told me on my phone call XX/XX/2022 at XXXX. On XX/XX/2022 around XXXX I called Fortiva as I saw the results of my dispute and nothing was changed or updated. The woman on the phone refused to help and kept saying call the 3rd party company that bought my account. I explained this was paid to them ( XXXX XXXX ) and they advised me that Fortiva would handle updating my credit report. Another woman got on the phone also and just kept saying call another company. I asked to speak with the credit reporting department and they refused. XXXX told me they do not update Credit Reports at all. It is Fortiva Retails job and they would. I have paid this responsibility and would like Fortiva Retail Credit to do their job and update my credit report as every other company in America does when you pay off your account. It is hurting my credit score.
03/21/2018	No	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	NC 27514	Web
XXXX Account Transaction [ XXXX ] Sales Order XXXX Customer CodeXXXX When I purchased the bedroom furniture from XXXX XXXX XXXX in XXXX on XX/XX/2018 I was advised that I would have NO annual fees or added interest if I paid off the furniture within 12 months. Since, I have incurred interest and finance fees which I am very upset about. I could have purchased the set without using a credit company since I already have credit cards. I was advised by the sales rep to utilize this method to build my credit more for other purchases in the future. I have yet to receive a signature page where I agreed to these enormous fees the only page I signed was agreeing to the purchase and to receiving the furniture. So in essence, receiving broken furniture twice, mattresses with no railings, and missing engagements and giving up my Saturday afternoons has been the worst experience I have had buying anything in my entire life. To boot, I did not receive the bed until XX/XX/2018. My charge total should only be {$990.00} but I now owe almost {$1300.00}. That is almost {$300.00} more than I intended to spend. Buyer BEWARE of XXXX XXXX XXXX and the lie of no fees or interest if paid with in 12 months.
06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	OK 73115	Web	Servicemember
On XX/XX/2022 I received a physical document from Aspire credit card stating that I had been pre approved for a credit card and directing me to accept the card by completing a document on www.aspirecreditcard.com. Upon completion it did a hard inquiry of my credit report with XXXX which resulted in my credit score dropping from XXXX to XXXX ( according to XXXX ). The website generated a message stating that it would not grant the credit card, and autogenerated an email stating that my credit score had changed since the offer was sent and they would not honor the guaranteed, preapproved credit card. Now, I'm stuck with a hard inquiry on my credit report which has an actual monetary consequence to me. Various interest rates are dictated by my credit score so a XXXX point drop in my credit score may cost me thousands of dollars in the next two years ( the time it takes the hard inquiry to drop from credit report ), and Aspire has just lied to me and caused monetary damage to me. Further, they provide no mechanism for addressing the issue. The phone number listed on the document and their website leads to an automated call answering system with only a set of recorded responses.
09/27/2019	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 206XX	Web
I have a current loan with Fortiva. I am not in collections! I fell behind one month and this Hindu lady calls before XXXX 3 times during the week and today I had it. She also calls with an unknown number so she can hide her identity/whos calling. Then proceeds to threaten to damage my credit by reporting that I am late etc. I think she does gets a kick out of it. Fortiva really need to take responsibility for who they have working for them. This lady is not aware or perhaps dont care to follow the basic rules of engagement and that we have rights. Its Fortiva whom she represents! Plus they electrically present the amount due to my bank/my account to deduct money even when I unchecked the authorization box in the website causing return check fees against my account depleting my funds which can snowball into other financial issues. They present several times at random dates. This is serious predatory behavior. You dont go under someones bank account to draft money when your company is no longer authorized. Please help! I cant start my day like this morning. I lost it today. PS Here is the companys information ; Phone XXXX Mail Fortiva XXXX. XXXX XXXX XXXX, GA XXXX
08/27/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	FL 32935	Web
My experience with Fortiva through XXXX XXXX started from the beginning of my acceptance of their card was a nightmare, So i went to the store to see where my bill was because it was due an they had to corrected the address, so I thought, then i received a bill with an " overdue '' amount attached to it. Next I phone Fortiva and corrected the address again and they would not remove the " overdue '' charge. which was their error. So back to home depot I go a second time and again they ajust my billing address and send it to the correct address still with the over due charge atttached.. When i received the next bill it was to my old address and luckly the mail lady knew me and gave it my neighbor to hold. after 2 more attempts to clear up this mess by phone and 1 more visit to the store. I cancelled the card. Now as I have been paying more than the minimum to get this card out/off of my credit I sent them a check by mail on XX/XX/2019 The bill was due XX/XX/XXXX, and again I get a past due amount on the card, there is more than 14 days to get and process this payment. and I would like you to look into their practice of over billing an past due charges. please and thank you.
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93550	Web
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Aspire Credit Card. In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. Thank you for your cooperation and timely attention to this matter
03/17/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TX 76504	Web
For the past 10 months, I have been charged late fees. I have called the merchant, XXXX XXXX to complain that I have not received any statements. The only time I am aware that a payment is due is when I get a notice advising that the payment is past due. I immediately make payment and I am told that statements will be sent. However again, I am not receiving statements. I have tried to keep abreast of when payments are due, but sometimes I am told the payment is due on the XXXX and other times, I am told the XXXX. I spoke with a rep last month who waived one mon late fee and said she would submit a request for the remaining ate fees. However on XX/XX/2023, I was advised that XXXX XXXX would only waive one month. The amount as of XX/XX/2023 totals {$340.00}. I spoke with a supervisor who advised me that it is not their job to recommend sending statements via email and hence will not waive any additional fees. I advised her that I have been disputing these late fees for a while a now but continues to remain as part of my balance. The supervisor also would not entertain automatic payments from my bank account so that I am not dealing with late fees or missed payments.
08/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	OH 45424	Web
On XX/XX/2023, I applied for the Aspire credit card and was denied for the following reasons : Credit score provided : XXXX Review screenshot score provided directly from XXXX : XXXX Delinquent or derogatory status on accounts is too recent. Answer : There is not any recent or derogatory status on accounts besides the collection accounts, yet they are excessively old dated back to XXXX Not enough balance paid down over time on revolving accounts Answer : Revolving credit does not have any balances " please review screenshot Unpaid collections Answer : Unpaid collections are several years old and do not have significant impact any longer over XXXX years old. There are only XXXX collections withe XXXX of them being medical that should have been paid for by insurance. No open revolving accounts in your credit file Answer : There are open revolving on the account, review attached screenshot Number of inquiries adversely affected the score - impact was not significant. Answer : The score you provided was not accurate but you are a lender geared towards surprise lending and thr credit score has qualified for previous applicants except mine because I am XXXX.
04/09/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web	Servicemember
XXXX XXXX contacted me in regards to my outstanding account with XXXX, Account # XXXX. I agreed to settle the debt for {$1000.00} on XX/XX/XXXX. Agent advised me that I will receive an email that states that account had been settled and that they will contact XXXX XXXX, XXXX to alert them that debt had been satisfied. I received the " paid in full '' letter from XXXX as promised, but XXXX XXXX claims that XXXX has not yet released the money I paid. I tried calling XXXX 11X and advised them that XXXX is still waiting for them to release money I paid. XXXX continues to give me the run around. At first XXXX advised me that they will contact XXXX right away, the next time I called the agent said the end of the month and on another call the manager said on the XX/XX/XXXX they will contact XXXX and on the last call I made the manager said he can no longer assist me since account is no longer with them because debt was already settled. I don't know what else to do no one seems to have the answer to where my money went. XXXX as of XX/XX/XXXX has not yet received my payment. Attached is receipt of settlement I made with XXXX to satisfies debt owe with XXXX XXXX.
05/10/2023	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 781XX	Web
In 2021, I decided to open a XXXX XXXX, credit card account with efforts to build my credit. Several months into opening my account, I went to XXXX XXXX for some gardening supplies, o find that my XXXX XXXX credit card was not in my wallet. Figuring I left the card at home, I asked the cashier if they were able to pull up my account using my social security number or some other means of identification, and when they did, I was told that I had a balance of over {$1800.00} on the card. Immediately, I asked that they shut the card off as we overlooked the charges at the customer service counter. At this time, I realized that my card had been stolen and used. XXXX XXXX told me I needed to contact Fortiva, 2hich is the 3rd party bank, to remedy this. When I did, Fortiva told me I needed to contact XXXX XXXX. I worked very hard to have this resolved, and eventually, I was told by Fortiva that there would be an investigation. Recently, I looked at my credit report and realized that this card is Delinquent. When I contacted Fortiva back, they told me they no longer had hold of the account since it was closed and there was nothing they could do. Please help.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11590	Web	Servicemember
I am writing to report a violation of U.S. Code 6802 involving account number XXXX, under the label XXXXFORTIVA XXXX. This account, originating on XX/XX/2021, is associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. Despite mailing a certified notice requesting my Disclosure in accordance with 15 USC 6802 ( b ), I have not received the mandated disclosures as per federal law. The law explicitly mandates that financial institutions must provide consumers with three disclosures before disclosing any non-public personal information. This is to allow consumers the opportunity to opt out of such disclosures. XXXX has knowingly and fraudulently withheld critical information, manipulating the situation to their benefit. This has led to unlawful reporting of my non-public personal information to non-affiliated third-party entities, against my will and rights. This situation has caused inequity for me, my family, and my household. I hereby invoke my specified remedy as permitted by law, which was denied by XXXX 's withholding of disclosures, pursuant to 15 USC 6802 ( b ). Immediate action is requested to address this violation and ensure resolution.
05/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	KY 40220	Web
I applied for a line of credit with Fortiva through XXXX when a XXXX salesperson salesperson came to my home and completed the application for me. XXXX handled my payments originally, paying using a card I provided when I signed up. My card was stolen, and wgen i updated ymy card with vivint, they did not continue making payments to Fortiva on my behalf. I tried on at least 4 occasions to sign up for Fortiva 's online process, providing the last 4 numbers of my social, my last name, and my borthdate. On no occasions could I complete the registration or payment process online because it came back as account not found. However, the account is available when I call to make a payment, which I did in XX/XX/2023 to provide payment and a card for ongoing payments. However, I just received a notification that my account is past due despite authorizing monthly automatic payments in XX/XX/2023. I believe Fortiva is deliberately keeping consumers from accessing online payments in order to charge interest for missed payments. The offer of online payments is in all communications the company makes, both written and electronic, and it is deliberately misleading.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30094	Web	Servicemember
On XX/XX/2023 I sent all 3 CRAs a letter about illegally furnishing recent and high balances aka utilization on several credit cards I have. They credit card companies had 15 days to follow FTC guidelines and XXXX XXXXXXXX was the only one to do so with one bureau which is XXXX. Ive been waiting well over 15 days for an update or response. These companies are all the same so why was XXXX XXXX the only company in compliance with these regulations and laws. Reporting recent and high balances is a violation of the Privacy Act of Consumer Financial Information of the Gramm Leach Bliley Act. Meaning if my limit is {$6800.00} no CRA should furnish recent and high balances ( transactions and my private information on a private account ) publicly over {$6800.00}. FCRA 15 U.S.C. States consumer reports does not contain any report containing information solely as to transactions and experiences between the consumer and the person making the report. Therefore the credit card companies violated FCRA, my privacy rights and FTC regulations. Transactions and experiences are recent and high balances that should not be publicly furnished on my private credit report.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11590	Web	Servicemember
I am writing to report a violation of U.S. Code 6802 involving account number XXXX, under the label XXXX XXXX. This account, originating on XX/XX/2021, is associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. Despite mailing a certified notice requesting my Disclosure in accordance with 15 USC 6802 ( b ), I have not received the mandated disclosures as per federal law. The law explicitly mandates that financial institutions must provide consumers with three disclosures before disclosing any non-public personal information. This is to allow consumers the opportunity to opt out of such disclosures. XXXX has knowingly and fraudulently withheld critical information, manipulating the situation to their benefit. This has led to unlawful reporting of my non-public personal information to non-affiliated third-party entities, against my will and rights. This situation has caused inequity for me, my family, and my household. I hereby invoke my specified remedy as permitted by law, which was denied by XXXX 's withholding of disclosures, pursuant to 15 USC 6802 ( b ). Immediate action is requested to address this violation and ensure resolution.
03/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29316	Web
I was contacted by XXXXXXXX XXXX who i have no business with and the notified me they were collecting a debt from a XXXX int purchase who i have no business with either. the representative advised me that he was a debt collector on behalf of XXXX XXXX a subsidary of XXXX int purchase. I have not given any information or giving any company the right to share my personal info social security number and telephone number. Aware of my rights as a consumer and natural person under the FCRA. These XXXX comp [ anies per representative who contacted me are Fortiva who shared my info with these XXXX companies without my knowledge or consent. I have asked fortiva in a previous complaint not to share my info in claim # per 15 USC 1681 section 602 A. states I have the right of privacy which for the second complaint been violated. I am asking for a remdy of {$1000.00} per violation. this has caused me extreme anxiety since i was a victim of fraud previously and have XXXX children who count on me and these calls and requests are alot to handle and manage my life due to these pressures and egregious attacks on my name, credibility and ability to maintain.
10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OR 972XX	Web
I did not authorize any of these inquiries XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies FORTIVA XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks FORTIVA/XXXX Inquiry : XXXX XXXX, XXXX XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing
02/01/2018	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NH 030XX	Web
I told the lady I was filing a complaint and she almost laughed over the phone at me because I was asserting my rights. All I was trying to buy was a {$350.00} futon. I get more than enough XXXX to afford it but Im trying to repair my credit. According to the email they sent me I was denied for insufficient income/Low income. According to the FTC website they can not knowingly and willingly deny me credit since my income is guaranteed and it comes from XXXX payments. The FTC website also states I can pursue a cause against the company in federal district court for a claim of discrimination and recover punitive damages. I am thinking seriously about it. If theyve done it to me theyve done it to someone else. A violation of this matter the s also a possibility violation of civil rights. For everyones information : to bring a suit in federal district court you need to ask for at least {$75000.00} in damages. Regardless how this turns out I will write a notice on XXXX review and XXXX warning them to stay away at all costs. That you must need to make {$50000.00} to be able to buy from there apparently. The poor and XXXX XXXX arent wanted.
07/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	UT 84119	Web	Older American, Servicemember
on XX/XX/XXXX a charge was authorized for what was supposed to be shipping costs for $ XXXX.to XXXX XXXX VA On XX/XX/XXXX I found that an additional charge for XXXX had been made by XXXX XXXX XXXX XXXX I called them and they said it was a non refundable sweepstakes entry - never authorized. While I was on the phone with them a company called XXXX XXXX OR hit the account for XXXX. I immediately called ASPIRE and they cancelled the card and issued a new card. I also filed FTC complaint # XXXX. My XXXX statement had {$220.00} charges removed. But on my XXXX statement all 3 charges were back. I contacted Aspire on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The first 3 messages came back with the fraud division will contact you soon - but no contact. The 4th message gave me a phone number for the fraud division. Which claimed that I was notified on XX/XX/XXXX that they didn't accept my fraud claim- with no investigation that involved me, I. was not notified.. An hour and a half after I got the fraud phone number my account was cancelled The {$220.00} was taken by fraud and facilitated by the credit card company. I want my money back.
05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30318	Web	Servicemember
Again, Your statement provided totally goes against the Consumer Law. I also have spoken with XXXX XXXX XXXX and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from XXXX XXXX XXXX XXXX in regards to my account. I am requesting from ASPIRE the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( ASPIRE ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to XXXX XXXX XXXX XXXX WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH XXXX. I have spoken with them several times and they can not provide me with any information. Thank you.
05/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OH XXXXX	Web	Servicemember
On XX/XX/2020 I received an email from my Credit Card Company Fortiva staying a credit limit adjustment. Since I have always been an on time paying customer and kept low balance, I figured it was an increase in limit like other cards! But I was wrong. I see my credit has been cut in half. When speaking on the phone to the customer service questioning why this happened, she stated due to inactivity. I stated that inactivity is not on the Card Holder Agreement by Fortiva, not is it posted anywhere on website or the Agreement page this would happen, if you do not use the credit card. Now my account which I have always kept into good standing, is not affecting my credit score, due to the limit being decreased. No remarks due to anything on there end. My credit score dropped a total of XXXX points since this was made. On top of this they want me to still pay maintenance fees in a card in which the literally stated on the phone was not being used!! This is a sham. Had there actually been in the Agreement for Fortiva XXXX, I would have made sure to add monthly subscriptions on this card, but it was not, and was not notified of such!
01/28/2021	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 19131	Web
I filed an complaint through the cfpb for my Aspire Credit Card. I told Aspire how they violated me by using their logo on communication and they said that it was their policy. So here I am again filing another complaint on how Aspire Cardholder Services violates me Aspire Cardholder Services are sending me bills with their logo on it and its alarming everyone I live with that Im in debt. Pursuant to USC 1692b. ( 5 ) and USC 1692f ( 8 ) it states that a debt collector can not use language or symbol on or in the contents of any information effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Also that content should not state I owe any debt pursuant to USC 1692b. ( 2 ) thats another violation. Aspire also violated me under USC 1692e. ( 11 ) none of the statements they send states that theyre attempting to collect a debt. Thats false and misleading. On my statements they all come in a positive balance. How can you pay on a positive balance!?? Pursuant to 1692e. ( 2 ) ( A ) the amount on the statement is always misleading.
11/27/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NV 89102	Web
I responded to a credit card offer I received in the mail form aspire and applied online. I received a response via email on XX/XX/21 saying I was approved for in the amount {$XXXX} and added my wife as a authorized user and I should receive my cards in the mail with in XXXX weeks. I never received the cards but I did received an email alert saying my cards had been activated on XX/XX/21 at XXXX a.m I called the credit card company on XX/XX/21 to let them know I never received the credit cards and asked how the card where activated. I was told they activated via phone and they used my zip code and my Social Security number to get activated. At this point I had to go file a police report and they advice me to file a report with your agency as my personal information was in jeopardy and the Fraudulent Charge Affidavit document they provided me with didn't seam to be legitimate. In the document they are asking for a copy of my driver license and my social security number which I don't feel comfortable providing. This information was already provided to them and they should have in on file. I'm not sure if this company is legitimate.
08/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	FL 339XX	Web
I received a message from XXXX XXXX and XXXX stating my credit score dropped. Both sites gave a link to see the reason why. Both sites indicated I opened a new credit card account with Fortiva Bank. I did not apply for a credit card with Fortiva, or any other financial institution. I contacted Fortiva and spoke to a female customer service representative who had a thick XXXX XXXX. It was so thick I could not understand her without asking her to repeat herself multiple times. Her claim was that I purchased an item from XXXX a few years ago and when I elected to finance my purchase through XXXX The financing went through Fortiva Bank, and therefore they are able to send me a credit card I never applied for. I have never been an intentional customer of theirs. My purchase through XXXX was done on XXXX website at time of purchase. I paid that debt off immediately, and it was XXXX when I made that purchase. Fortiva commits fraudulent acts by initiating credit cards to consumers without the consumers knowledge or authorization, and places the consumer in a bad situation when it comes to credit and the potential for identity theft.
10/02/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	VA 22152	Web
Do NOT waste your time with Fortiva ( " myfortiva '' )! I had two cards with them for almost three years and was NEVER late on any payments and heavily used one of the two. I found out a few days before posting this review that the account I used the most was closed for " OVERUSE '' of the card! WHAT?!? Yes, I used to card too much, and they didn't like it. This was not closed for fraud or anything else since I was an excellent customer. They literally told me ( after I called them ) that they closed the account because I used the card too much. At that point, I had them close my other account with them since I have no trust in their services anymore. Also, they did NOT notify me of the closure, they just did it and I had to call them to find out why my available credit was XXXX. I received no email, text messages, or postal mail regarding the closure. I would also caution anyone trying to rebuild their credit because of their fees ; there are better options out there. Fortiva not only charges a high annual fee, they also charge a monthly {$12.00} " maintenance '' fee on top of the annual fee. JUST SAY NO to this company!
05/25/2023	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32246	Web
In XX/XX/2022, I made a purchase using my Fortiva account on XXXX for approximately {$750.00}. At the time of this purchase, my balance was {$640.00}. I returned the merchandise a few months later for a full credit ( which should bring my balance back to {$640.00} ). A year later, my balance is {$960.00}. After I returned the merchandise, they never credited by account and I continued making monthly payments to them, paying interest on {$750.00} I called and asked why and they said it was a known issue that returns were being rejected by Fortiva and XXXX was having to issue refund checks to make clients whole. I received a check for {$590.00}, not what i was expecting to receive because it should have been for {$750.00}. Why was I not refunded in full? I never got refunded for interest charges, late fees, etc regarding the {$750.00}. I want a full investigation launched into why I still owe nearly {$1000.00} after nearly a year. I realize that I received a refund check but it was not for the full amount and I was making $ XXXX payments a month from the time i returned the merchandise until I realized this error. Please help!
02/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Unexpected increase in interest rate	MA 02145	Web
I got a lady today stating that my credit card company Aspire wants to Increase my " monthly maintenance fee ''. First of all I never new I had a maintenance fee, how can I get out of debt when I am paying all of these fees. This just started in XXXX so I wasn't aware of it. My account is in good standing and I never missed a payment, always pay more than what is expected etc. So I call there today and directly get someone in Account Services and right away the guy on the phone assumed I had called to discuss the changed in terms on monthly maintenance fee which apparently I was never told about but generically told In my terms that I may be not how much or when. So now I have this letter that is telling me not only do I have a fee that just started in XXXX now I am going to have to pay more as of XXXX. I think this is predatory to the borrower and a way to push the borrower to cancelling their account but why bother giving me an account in the first place. I pay my bills on time and more that what is due each month. Also I was told that even if my balance is paid off I still have to pay the month fee. Help me XXXX XXXX
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 20148	Web
I have credit monitoring service which alerted me on XX/XX/2022 about a credit query to XXXX from XXXX, Since I did not initiate or recognize I put a freeze on my credit report for all three credit bureau XXXX I also called Fortiva next business day to enquire and I was told there is account being opened under my SSN so I was relieved but on XX/XX/XXXX I got another new account open alter, then I contacted Fortiva again - this time they told me yes there is credit card issued under my SSN for {$5000.00} limit, So I told the customer rep about previous call where I was told no account was being opened how could this happen for which I was transferred to fraud depart where they verified how I am and told they will fix it right away and notify all three credit bureau. Due to my previous call experience with Fortiva I wanted to be sure this time so after 3 days I followed up again to my surprise nothing was done and they asked me to submit a notarized fraudulent application affidavit which I did and now I been told they need another 60 to 90 days to investigate the issue. I can not relay on Fortiva so I am asking for help here.
03/25/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	VA 23235	Web
Good Afternoon, My credit card on XX/XX/XXXX was charged 4 times for purchases in MA and FL on the same day. This charges exceeded {$200.00}. I immediately alerted the credit card company these were fraud. After being on hold for an excessive amount of time, the company told me there was nothing they could do until I filed an affidavit, which they would mail to me. Today is XX/XX/XXXX and they have yet to send it to me. I just made a credit card payment and I had to pay the interest on these fraudulent charges. I asked many times to speak with a supervisor and the answer was the same - - we can do nothing for you - - this is our policy. In addition, while speaking with the associates from the credit card company they were dismissive, secretive and abusive. I live in XXXX, was in XXXX when these fraudulent charges occurred. My card was on me, however, they did not care. Oddly, at the same time, they offered me a credit line increase so I would spend more money. I am also XXXX and have XXXX XXXX. No one would help me, or care to help me. I am paying interest on fraudulent charges and no one will help me. Thank you.
10/09/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	IL 60090	Web
I had bankruptcy in XXXX. I applied for Fortiva credit card in XXXX, The card line is XXXX. I wanted to repair my credit, First they were charging mi late fees because my payment was not going through. They were telling me my XX/XX/XXXX account was not stored properly. They could've let me know right away but they did not. It took few months. I wrote to the CEO of the company on XXXX and the issue got resolved. Now my minimum payment went up around XXXX a month on XXXX credit limit. The credit card is charging 31 % a year plus {$12.00} monthly fee. XXXX X 12 months is another XXXX a year. In conclusion they charging 45 % a year. How we suppose to get out of debt and build our credit if we are facing fraudulent companies like this one. The manager helping me was XXXX # XXXX XXXX very rude and unprofessional. Every time I called I get a person that is hard to understand with no understanding and compassion. Please see the statement attached. I talked to 3 people on chat, one person on the phone and one manager XXXX. No one could explain why I was charged XXXX on this statement, And why my payment is being higher each month.
03/07/2017	Yes	Credit card	Closing/Cancelling account	PA 151XX	Web
Hey i have a big problem with Fortiva, i had a tooth problem last year and i went to XXXX because i needed two teeth pulled. They did a check up and said that i needed all these things done and that it will cost $ XXXX+.They checked to see if i qualified for assistance but once i thought about my bills and living expenses i told XXXX dental i could n't afford the monthly payments to pay back the money even if i qualified for a {$3000.00} dollar loan. So i told them to cancel everything.Next thing i know Im being billed like i used the {$3000.00} credit card. On my credit it says i had a high credit balance of {$850.00}. With one 30 day late and one 60 day late and i never would of known none of this if it was n't for Cure XXXX who have been my credit repair savoir 's. My Credit should n't have to suffer because i could n't afford the outrageous $ XXXX debt i would of been in when all i needed was two teeth pulled.This situation is affecting my life and my credit in so many ways, i didnt use any services from XXXX i ended up going to XXXX for my teeth exractions. Please look into this because it has destroyed my credit.
10/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 45039	Web	Older American, Servicemember
I opened a credit card account with Aspire. I normally paid the balance I owed in full at the end of each month. Because I no longer wanted to pay the excessive fees and high interest rate, I paid the full balance and chose to " Lock '' my account on XX/XX/XXXX. Later that day, I received an email from Aspire stating that my account was " Closed '' and that " All future authorization requests will be declined. '' However, when I checked my account a week later, it appeared that I still owed {$210.00}. So I immediately paid that amount on XX/XX/XXXX, which caused an overpayment in that amount. I contacted the company on XX/XX/XXXX ( the day this charge appeared as an ach debit on my bank account ). I was told that they could not reverse the charge, even though it was made the day before and a refund would take 7-10 business days to process. I contacted them again today and was told that " it takes 7-10 business days for internal processing and an additional 10 business days for me to receive a refund check. '' I was further told that " a refund check was not processed. '' The card was issued by The XXXX XXXX XXXX
07/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NY 10466	Web	Older American, Servicemember
I received a mailed pre-approved for an Aspire credit card with a {$1000.00} credit limit subject to verification of eligibility .The pre-approved card offer reportedly provides cards immediately after the consumer calls ( XXXX ) or accepts the offer online with the acceptance code that has been provided in the mailed offer. However, when I called to accept the offer along with acceptance code I was declined for no apparent reason. I was not approved immediately despite my eligibility.I was informed that I would receive a letter or email informing of the results of my application ( which was done con- ducting a hard credit check ) .I thought this was somewhat strange. I called back the next day and was advised by a customer service rep. that my application was declined, Further investigation of Aspire revealed numerous negative reviews fro other comsumers.Most that seem highly questionable and reported as a scam For your investigation of the matter, Aspire can be contacted by calling XXXX XXXX. This number is to their customer service department .This card company should be closed. Thank You. XXXX XXXX XXXX XXXX
07/01/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	PA 19135	Web
This concerns a Fortiva Credit card issued by the XXXX XXXX XXXX. I was about 4 days late with a payment that was subsequently made. While my payment was processing, I received a notice from XXXX XXXX that the account was closed to further purchases. Fortiva gave me no warning they were going to take this action, either on their website, via e-mail, or by mail. I received a letter today (XX/XX/2019) dated XX/XX/2019 that stated my account was being closed since it was over the credit limit. The reason it was over the limit was Fortiva 's own annual fees, which I was again given no warning or notice about. I am protesting the action taken by Fortiva to close this line of credit. I believe it was discriminatory based upon my address in XXXX and as such is a form of illegal XXXX discrimination and redlining based upon my address. I demand that the line should be reopened and that Fortiva should send a letter of apology. I have also since sent them two payments on this card, both of which have gone through. If Fortiva will not reverse this decision, I intend to file a full Civil Rights complaint against Fortiva.
10/30/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	CO 80909	Web
So on XX/XX/2022 my bank account was charged {$30.00} on a supposed XXXX to Fortiva. AS per my previous complaints I paid off this credit card... they claimed payments were reversed by my bank which they were not. Previous to this date I had pulled my permission to charge my account for any reason via a telephone call on at least two occasions in the previous week... .I was told my account was closed over a year previous after I had made payments again totalling approx {$380.00} thus having made these payments twice. Now over a year later they are claiming these same payments were reversed again.. I'm not playing this game anymore!. So on XX/XX/2022 I get a letter seemingly to appear an account was opened in my name by this company to start charging again late fees and interest... this again was without my consent ... .I paid off this account ... funny how I am 100 % on time for every other bill and credit card I have except these people... I demand an investigation of their computer system I believe it's buggy and faulty. I am not the only person who has had this issue with their app and card... read the reviews
10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49444	Web
I received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I want explanation on. I am not saying they are reporting right or wrong. I also read the fair credit reporting act where it says by law, that I have the right to challenge anything I deem to be inaccurate. Are you familiar with 15 U.S.C sec. 1681 ( a )? If proof cant be provided for any account they must be removed. I am asking for any erroneous accounts to be deleted, anything not 100 percent correct. I would appreciate a valid response and someone to respond within law and not statute. I was read in a lawyer forum on a credit website that a person has 30 days to complete this investigation. Please examine all account specimens and remove them if anything is missing or incorrect. I also read where I can get the updated report after you investigate this from the free lawyer forum. Could you please send it to me? Thank You and also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put in the from field.
03/08/2016	Yes	Credit card	Other	MD 21093	Web	Older American
I got this message from my sisters they called her regarding my debt with Aspre visa from XX/XX/XXXX I filed XXXX with what was suppose to be account insurance and never heard any more from them as I was very sick I did n't think anything of just figured they 'd been paid by insurance. I was in XXXX and an still in XXXX under doctors care. I never gave them my sisters phone number where they got in not sure but I called the number she got from them and learned it was aspire visa it was over 7 years I never heard from them. I 'm XXXX they know that insurance should have paid. They collected fees from XX/XX/XXXX to XX/XX/XXXX on account for this coverage in case I became XXXX it 's like insurance fraud selling bogus insurance to card holders. , I got a call from someone regarding XXXX and they are filing suit against you and were going to send the papers here for signature. I told them that you are out of the country. This iis a civil suit. they left a phone number and it is XXXX XXXX and your case file is XXXX. I guess you need to call them. This sound serious. So you should address it. Thanks Love You, XXXX
12/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WI 546XX	Web
On XX/XX/2022 I contacted them for the 5th time about a replacement card because the card has my mother 's last name XXXX when my name is XXXX XXXX I've had problems in the past using it because of this when my ID says XXXX XXXX not only that when I first got the card there was an online purchase for a bike and I called and told them they never did anything on the matter on top of the high interest charges and {$12.00} a month maintenance fees that I was never told about that I signed on it I asked for evidence no answer I paid off the card and still get a maintenance fee charge when my balance is XXXX XXXX.an individual does that aand goes to jail how is it that they can get away with that? I still haven't gotten a replacement card either paid for something I never got and on top horrendous interest charges and fees.They are very rude and unprofessional and can't understand what they say either and it's been well over a year that I have called them about the charge and nothing and a few months and more than 4 times on the replacement card and nothing but they sure are quick to charge that maintenance fee
09/05/2023	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	MO 648XX	Web
This is a follow up to Complaint XXXX that you closed after referring to FDIC. The credit card company, Aspire, that is part of the prior complaint. They have responded to me by email and asked for a copy of XXXX XXXX XXXX 's death certificate. As I previously commented to them, I am not a member of XXXX XXXX XXXX 's family and do not have access to her death certificate. And I reminded them that my request is for them to stop sending mail marketing to my home address that is addressed to XXXX XXXX XXXX because XXXX has not lived here since XX/XX/2022. The issue continues with this company and they apparently are not cooperative with simply removing my address from their marketing database. I have made multiple requests for them to stop sending marketing material, addressed to XXXX XXXX XXXX, to my address. And reminded them I do not want any marketing material sent to my address. Requesting your assistance with this complaint against Aspire for them to stop mailing marketing material to my address. Their company information is below- Aspire \| XXXX XXXX XXXX\| XXXX , GA XXXX \| XXXX \| www.aspire.com
08/11/2022	Yes	Credit card or prepaid card Store credit card	Closing your account Company closed your account	GA XXXXX	Web
I have a card with XXXX XXXX, I am having some financial hardships at this time, due decrease in income, however I am still committed to resolving my debt. I recently made a payment to bring my account current, however my account was closed by the the creditor in XXXX due to my delinquency. I have made payments on my account ( See Pay History attached ) and they still chose to close my account. Now that my account is current, I spoke with customer service who stated that they will not re-open the account. I ask regarding the settlement of the balance, since the closed my account will I be charged interest, and the customer service told me yes. I feel that interest on a closed account is financial XXXX. I didn't close the account, they did. While I will resolve the balance, I do not agree with being charged interest on a closed account. I am seeking assistance to settle this matter, because it is wrong. I was also told by the collection department that once my account was current they would wave the late fees. I really feel like this is double jeopardy and unfair to me as a consumer. I have maid faif
07/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	KY 42223	Web	Servicemember
Had a credit line opened due to getting a credit account towards some camera equipment through XXXX for {$2000.00} on XX/XX/XXXX. We paid the remaining balance of {$1900.00} on XX/XX/XXXX to pay off the remaining balance on the loan. On XX/XX/XXXX received a credit card in my name with a line of credit stating {$1500.00}. This was never requested or approved by me. I received an email on XX/XX/XXXX saying that they were converting my Fortiva retail account with XXXX to an upgrade XXXX. I did not request this nor gave my permission stating I wanted this done. They have sent emails through the years but I never opened them because my line of credit for the equipment was paid in full XXXX years prior. I shouldnt have to answer an email to reject ANYTHING I did not request especially them running my credit without my permission or opening a credit card without me saying I agree or personally asked for. My credit was hit and lowered due to their actions. I called and had the account closed today on XX/XX/XXXX but never should have had to do this because I never asked to have this opened in the first place.
01/17/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MA 027XX	Web
On XX/XX/XXXX I applied for a loan on the XXXX website for 0 % interest financing for 18 months. I input my information and was approved for a {$5000.00} line of credit. I received my first bill and it states that I am paying 29.99 % financing on my purchase. I called Fortiva Retail Credit and was told that I was n't approved for the 0 % financing but the 29.99 % financing. When I submitted my application, the website never said " your not approved for 0 % financing however we can offer you 29.99 % if you want to continue ''. This is a total bait and switch scam. I would have never gone for the 29.99 % interest rate. I could have used one of my lower interest rate credit cards or not moved forward with the purchase. When I called customer service they told me I signed an online disclosure. I never received it. I went through all of my emails and they only correspondence I have received other than the online application is the monthly statement I received. At the very least, there should be an indication that you have not been approved for the 0 % which is what you are applying for on the XXXX website.
09/15/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 618XX	Web
Aquired a loan from Fortiva. I made a payment by phone on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$300.00} for the XX/XX/XXXX and XX/XX/XXXX payment. It was withdrawn from my account on XX/XX/XXXX. I made another payment of {$150.00} on XX/XX/XXXX ( confirmation number XXXX ). It was withdrawn from my account on XX/XX/XXXX. I was then contacted on XX/XX/XXXX - XX/XX/XXXX for failure to pay in XX/XX/XXXX. I am now facing interest charges. The customer service department stated that since " I did not process my payment during the correct billing cycle '', both payments were applied to XX/XX/XXXX, and none applied to XX/XX/XXXX. Therefore, my XX/XX/XXXX bill was considered late. They could not apply the money to the correct billing cycle since " it is an automated system '' and they had no way of applying the payment to the correct billing cycle. Furthermore, since I had paid a 2nd XX/XX/XXXX payment and my XX/XX/XXXX payment today ( XX/XX/XXXX in the amount of XXXX ) they could not cancel the payment since it was paid through the " automated system '', of which they can not change.
10/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 90047	Web	Older American, Servicemember
Got loan from fortiva for purchase of XXXX XXXX XXXX. Purchased in XX/XX/XXXX XXXX functioned well until I moved. Moved to new address XXXXXXXX XXXXHad XXXX reinstalled end of year XXXX at new address .The beginning of XX/XX/XXXX my family and I noticed personal property missing, yet we got no alerts of doors being opened. This has continued until now someone entering my home stealing. I usually shred my receipts when I purchased things. I called XXXX many many times my property was being stolen XXXX wasnt getting alerts. So the last timeI shopped I took pictures of what I purchased also took pictures of receipts and sent them to my daughter. Couple days later went out to run errands, returned home to find half of my things missing that I just purchased. Since I had proof of my purchase I was XXXX to file a police report, also my daughter was a witness. I reported to XXXX the burglary and the police report. I wanted the equipment checked it was being breached somehow. They want to charge me, No I will not pay this has been going on for 10 months. I called so many times, and they wont replace XXXX
04/26/2021	No	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	FL 33328	Web
I always had problems with this Credit Card, as I always paid on time or before Statement came out, and unbeknownst to me if you pay before Statement comes out, your payment is applied to previous Statement and you would have to pay " AGAIN '' to satisfy the current Statement and since I believed I was paying ahead, I got surprised when I kept seeing " late payment charges '' on next statement. I spoke with XXXX on XX/XX/XXXX in Customer Service who credited me {$30.00} late fee, as I had made a payment of {$60.00} on XX/XX/2019 and PAID OFF the account on XX/XX/2019 with a final payment of {$39.00}. I moved to a different home and for some reason was not getting my mail, even though I placed a change of address. This credit Card company, hit me with late fees, after late fees and when I noticed I had a late payment on my credit report, they told me I owed the money and there was nothing they would do for me. I am now upset, that I made ALL my payments as requested and I've had to struggle with this specific credit card Company from the onset and at the end they continued to be deceiving.
08/11/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CA 95618	Web
So, two years ago, I opened a credit card line with Fortiva when my wife and I were buying furniture for our then new apartment. The credit card was paid off and was left open. This last week, I got a notification from my XXXX XXXX account that an account was closed and opened. I looked into it and found out that Fortiva had closed my original credit card account that I opened 2 years ago and opened a new one. Without my permission. I called Fortiva and asked them about this and they said they sent an email a few months ago saying that there were canceling credit cards that were associated with that furniture store. If customers didn't reply to this email, that they sent, Fortiva was automatically going to close the account and open a new one. Upon doing research online and contacting XXXX, I found that this is illegal that a bank or credit card company can not open an account or line of credit without permission of the customer. I did not give permission, this damaged my credit, and I am having to do a lot of work to reverse this. I opened a claim with XXXX and I will be filing a police report.
04/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CO 815XX	Web
I paid of my debt with Fortiva in whole late 2019. Since that time, I had not used my card for any means. Then in XXXX I had received notification that I had a balance due over {$500.00} and I called the company and they had shared the transactions. I reported them as fraud and they transferred to a number that does not pick up. I called customer service again and they gave me " the real number '' and the fraud department emailed an affidavit to fill out and return via email or fax. I returned it immediately with the details regarding the fraud charges. Since that time, I have not received any notification of receipt for that affidavit or the 5 that I have sent via postal carrier. Although, I did receive a letter in the mail that my account has now been terminated due to breaking the account agreement upon signing up with them. My credit score has dropped over 100 points due to this and I am no longer to close on the property that I was attempting to before all of this had occurred. All I want out of this is my account to be settled with Fortiva and back to normal and there will be no harm done.
03/15/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	CA 90505	Web
I received a pre-approval letter with an acceptance code from XXXX Credit Card on XX/XX/2019 by mail. That same evening I decided to activate it, its a fairly simple process, I went to my desktop, logged onto their website, filled in the blank, including my Social security number, my employment, income, mortgage and pressed submit all to find out I was declined and a letter would be sent out explaining why. My big issue is, had it been a pre-qualify or an invitation letter, I would not have proceeded. This was a total gimmick to get additional information from me and I am very upset. Pre approval has my name on it, the amount I'm approved for, there is an acceptance code. The fine prints read " final approval is not guaranteed if you do not meet criteria, including proof of ability to repay. Well that criteria was not defined and I certainly have the ability to pay. I wish for XXXX Credit Card to stop such practices and I am seeking Class Action Law Firms who may be interested in such matters. According to the customers service I contacted, they get several such complaints every day.
04/07/2018	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90003	Web	Servicemember
XXXX is a creditor for XXXX XXXX. This company did not send me any billing information. I reached out to XXXX XXXX several times and they were unable to provide with the information of this creditor, XXXX. I have a XXXX XXXX card with XXXX as a creditor and that is the only information they had on file. When I finally received a call from someone in another country they told me my purchase for {$77.00} was now {$220.00}. I confirmed all my contact information and advised them there was zero attempts to make me aware of this bill, even after I reached out to the store. The representative apologized for the inconvenience and stated if I paid the amount of my purchase she would waive the fees and correct my credit as a result of their error. I agreed to pay the amount of the purchase I made plus a processing fee. I paid {$80.00} on XX/XX/18. I have since received a bill with the same past due amount and my credit is still being impacted. This company has broken FDCP law in place to protect consumers like me. I find it odd how only after I made a payment to someone did they actually send a bill.
06/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	GA 30102	Web
I have an Aspire Credit Card. I made a payment on XX/XX/XXXX for what I thought was the XXXX and XXXX payments, that is what it showed as Due. I don't have another payment showing Due until XX/XX/XXXX but the amount does not look correct- they are sending the request only via text to my phone. I signed up originally - request paperless statements to be sent to my email. Which they have the correct email. But I have not seen any statements. I usually check my account online to verify charges, statements, etc. They now have locked me out of my online account, even though I made a XXXX payment and the XXXX is not due yet. I have called several times their Customer Service Number which is out of the country. They keep routing it to Collections who refuses to unlock my online account or send me the statements for XXXX UNLESS I pay them what they are demanding first. I can not pay them until I SEE the statements or preferably gain access to my online account to verify the charges and amount they are demanding. I WANT to pay them. In fact I hope to PAY them OFF and get rid of this card!
11/01/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	FL 32765	Web
I opened a line of credit with Fortiva via a XXXX in order to purchase a home alarm system in XX/XX/XXXX. In XX/XX/XXXX, Fortiva closed my account without permission then transferred my debt to a new account without my permission. I did not want a new account. The new account impacted my credit score. I called and emailed Fortiva many times and they said they have the right to close my account and open a new account without my expressed consent to which I disagreed. Fortiva calls me many times a week and have threatened to take me to debt collections. My only request to Fortiva is that Fortiva opens my old account and closes the new, fraudulent account Fortiva created without my consent and submit a correction to the credit bureaus. Fortiva stated they will not revert back to my old account nor rectify the credit score with credit bureaus. Fortiva continues to harass me for missing payment on the credit card that I did not authorize. They have impacted my credit score further with the no payments. I do not know what to do at this point and feel helpless. Please assist. Thank you.
04/17/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	PA 19007	Web
I had a credit card with fortiva, which was to be user for XXXX 's XXXX store and I had about a year to pay off the purchase amount or there would be added interest on my store credit card. I obviously did not want to pay the added interest so I did my best to pay the fortiva credit card balance off in full before the interest was added on. I had gotten sick with XXXX XXXX me and my whole family got sick and I missed work and was just trying to survive once I became well I noticed I had missed my last payment with fortiva which would have cleared my full balance I tried calling them to explain that I literally only had one payment left and I pay all of my bills on time and to please waive the interest over the one last payment I didn't get on time. They refused to work with me and added almost XXXX dollars on in interest and late fees. I am not paying over XXXX dollars just because I missed one payment that was not on time most credit card companies will work with me but not this one. I already paid the full balance off for my purchase the whole XXXX dollars is just them being greedy.
10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06051	Web
Fortiva credit card reported to the the credit Burals. ( CREDITREPORT ) That my credit card was 30 days over due.thats false! My payments are Due XXXX Of every XXXX. IN XXXX I paid on XX/XX/XXXX XXXX which is earlier then due date. Then This month XX/XX/XXXX XXXX I did as usual made a XXXX $ payment online. ( I have screen shot of payment ) I made two attempts the 2nd try error message said to call and I did waiting for 2 hrs no one helped! Today I made a successful payment.10 days from the XXXX and 18days from the glitch.Than I received notification from XXXX that fortiva reported 30days past due of my payment.! this is false .. My Credit Score Went Down XXXX points. I'm in the middle of buy my frist house and this a very negative thing for me Please help me ..Fortiva Monthly Yearly interest are beyondeven when having a great credit score they cant keep doingthis to people. Please help this account has never been 30days over due and always been in good standing. Fortiva is One of the finance company 's XXXX 's XXXX Uses. I HAVE EVIDENCE OF EVERY payment and every situation I have had.
11/03/2023	Yes	Debt collection Telecommunications debt	Electronic communications Frequent or repeated messages	FL 34746	Web
I have an aspire Mastercard since XX/XX/XXXX. I was out of work for a few weeks I havent missed a payment up until now. I came back to work last week I reached out to customer service on XX/XX/XXXX via chat and explained that I am in a financial hardship and that I need some time to get back on my feet and if it was possible to get an extension or a grace period and I was told that aspire doesnt give out extensions or grace period and I would be charged a late fee. The agent told me she would notate it in the account. I explained that I would do my best to pay it. My account got overdrawn and I have no way of paying it. I received to emails that the account is past due and I need to make a payment of {$150.00} to reinstate the account. I still received an email about the same thing. I am on a fixed income and Im barely making it. I would like the emails and texts or calls or letters to cease and desist until I am able to get back on my feet financially. Since I was out of work for a while. I can not pay {$150.00}. I would like an arrangement or a payment until I get back on my feet.
05/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 92115	Web
On XX/XX/2022 I made a transaction for a local dumpster company to be shipped, but the order couldn't be fulfilled and I requested a refund on XX/XX/XXXX. Because I noticed that the refund did not reflect on my account yet, on XX/XX/2022 I called Aspire at XXXXXXXX XXXX XXXX XXXX and I was told that the refund is on the account as a credit but was not applied yet. ( This conversation is recorded ) After the entire month of XXXX, nothing still wasn't applied. So today XX/XX/2022 I reviewed all the statements and transactions for XXXX and XXXX to double-check to see if the refund was applied before I called Aspire again and it was not found. I call Aspire on XX/XX/XXXX, and they told me that the credit was applied on XX/XX/2022. How is that possible if on XXXX the XXXX the employee told me on XX/XX/2022 that it was not applied yet? The employee also went on to tell me " maybe because I had a lot of transactions that I was unable to notice the refund ''. I check my balance every time before I spend, so I would have noticed if {$340.00} was put back on my account.
07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33186	Web	Older American
On XX/XX/2022. A transaction was made at XXXX XXXX, where I hold a line of credit, and they send me an email asking for authorization. I did not sign such email because I have not purchased anything on that date or anytime near that date. A few days later, I get a letter from Fortiva Retail Credit with a bill of an installment and a total amount owed of {$1300.00}. I of course panic and call Fortiva since I already had an account with them because of a fridge I purchase and finished paying several months prior to that incident. They opened and investigation but they have not gotten back to me and they keep charging me this bill and the interest keeps increasing. I also called XXXX and they said that such purchased was never made. I have no idea where this transaction came from but I am tired of constantly getting letters and emails from Fortiva to remind me to pay. I have absolutely no clue how they even got my information to do this transaction nor how this installment came to be. I need this off my credit and peace of mind because this has never happened to me before.
12/29/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 760XX	Web
I got an Aspire card, issued by the XXXX XXXX XXXX in XXXX of XXXX. I have paid for credit protection for over XXXX years, roughly XXXX XXXX! XXXX. I lost my job in XXXX and filed a claim on XX/XX/XXXX. I submitted the requested documents through the mail. They never told me they didn't get them, so when I got another past due bill at the at the end of XXXX, I called them and was told they never recieved them. It would have been nice for them to tell me, but ok, I resent the paperwork electronically on XX/XX/XXXX. After hearing nothing again, I contacted them again. They told me the paperwork was not acceptable, because it was hand written. Again, this is after I chased them down. So I submitted additional documents that were official, from the XXXX XXXX. In the meantime, they cancelled the credit protection plan because the bill was past due. I call Aspire, they say call XXXX XXXX. I call XXXX XXXX, they tell me call Aspire. I have paid approximately {$460.00} for nothing but stress and aggravation, and multiple calls, emails, and texts with demands for payment.
07/23/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	CA 90036	Web
XXXX XXXX XXXX XXXX placed a publication on a non local check and its availability. The check returned and a police report had not been filed for the incident until XX/XX/XXXX. The bank returned all credit card payments in this case Aspire visa. Aspire Visa payment was returned on account at that time local authority 's would not allow a police report to be filed. XX/XX/XXXX a fraud report was taken by the police department. I would like the debit of the credit card corrected. In this case of Aspire Visa in which to a law suit was conducted or the credit card company was a law settlement and for XXXX of the XXXX credit cards a XXXX was filed in debit forgiveness. I have XXXX other Aspire Visa VIP credit card that no legal notice for it has been corrected to my knowledge. I have mailed Aspire Visa letter after letter. All they had sent in return before the police department filed a police report was a debit collections deduction. Wherefore the Police departments police report was filed on account of an identity theft indicator placed by the IRS. XX/XX/XXXX-XX/XX/XXXX:
02/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with fraud alerts or security freezes	TX 77041	Web
I had my identity stolen back on XX/XX/XXXX and had gotten my credit report the day after ( XX/XX/XXXX ) and gotten XXXX to combat any further fraud used to open more credit cards etc. I had already pin pointed one potential credit card that was open along with two other loans that are in the process of being disputed. Today ( XX/XX/XXXX ) I wanted to check on a new updated credit report to see if everything had been secure mostly and no new credit cards or loans were taken out under my name. That is when I found out there had been a credit card that was fully processed and sent out named Fortiva? In which the identity thief had charged over {$5000.00} within the past few days that had decreased my credit tremendously. I had call their phone number and fraud department however they stated I would have to wait 7-10 business days. I do not want to waste time by waiting for the credit card company to take action. Over {$5000.00} in the past few days should have been a red flag and I was never notified as they had stolen my identity to do so. Please if possible help me.
04/19/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	LA 71111	Web
I have had so many problems with this company since the beginning I should have stopped when I started. The company seems to make there own rules when they want and will lie straight to ur face whenever something does not seem correct. When you go to make a payment on their app it says payments processed after XXXX eastern will POST the next business day. So I decided to make a payment the day before at XXXX am central. I waiting till around XXXX and asked them why the payment had not been postted they proceeded to tell me that the funds will post and Be made available in 2-3 business days. Now that doesnt make since, however when u call to discuss it they get made mad and start to make up rules on the fly to cover themselves and there is nothing you as a customer can do about it but what I am doing now because u can hear them laughing in the background and all they tell u is that how it gon na be and thats the answer your gon na get. Thisis not the first time in have dealt with them. They are not a company and don it have a professional customer service department.
12/01/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92394	Web
I have tried numerous times to have this fraudulently applied account with my pertinent information resolved. I have sent an identity theft report through the FTC and have received a letter with negative feedback from Aspire Credit Card Co. stating that after a review of all relevant documentation available from their records, merchants and other information that I have been found responsible for said account. Letter states that when I called to dispute this credit card account that they match my telephone number to the telephone number used to activate credit card as well as address on account being my address. This is an absolute fallacy and I demand to view proof of all documents that they are claiming to have proven this account to be mine. That would include the original application to the account, place of employment, phone numbers and signatures to obtain credit. It stands to reason that when disputing I would use my actual phone number as well as actual address to verbally dispute and send documents for some resolution for this fraudulently open account.
12/05/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 12144	Web	Servicemember
For unknown reasons my Fortive credit card account was frozen. I did not know it was frozen since I had not used it in several days. After several failed attempts to make payments before the statement date I called at the last possible moment before the close of business. I was told that my payment for {$700.00} to bring the statement balance from XXXX % usage to 10-15 % usage. This payment was never processed. The next day when I called to fix the situation I was told that the card was frozen because of the excessive payments that I had made. Although I was far from overdrawn and not late on my account payments, the account was frozen. I was prevented from making a payment to force a significantly higher reported statement balance to the credit bureau. Their abusive actions are and misuse of the control of my funds is mind boggling to say the least and quite possibly very detrimental to the credit I am rebuilding. This has to be illegal to indiscriminantly interfere with a person 's financial well being. when I asked what could be done, I was told " nothing ''.
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXXXXXX XXXX XX/XX/2022 To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXXXXXX I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/2022, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. It would assist me tremendously if you could make a XXXXXXXX XXXX that delete these negative account entrys from my XXXX credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. Thank you for your consideration. Sincerely, XXXX XXXX XXXX
09/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	GA 30253	Web
In XX/XX/2022, I filled out a credit application for a credit card and I was denied the card. I am aware that I extended the credit and the extension of the credit is a consumer 's right. Since, I am the creator and maker of the account, i did not receive the value to use for the primary purposes which is for personal, family and household purposes. I sent correspondence to Aspire Credit Services requesting to correct the error in their system and send me a credit card with a {$5000.00} credit limit OR return the property ( credit application ) to me, the consumer as it is my right of possession since it has all my private information on it. Aspire credit services are in violation for discriminating against the consumer and by action ; showing that they use unfair and deceptive business practices. The consumer, preserve her rights to receive compensation for the emotional stress that was placed on her due to Aspire Credit Services violating the federal laws. Aspire credit services is required to return the credit application or send the credit card as requested.
10/10/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	MI 480XX	Web
I have a statement to prove the following information and I would like the opportunity to send this proof to you. This company fortiva retail credit is a company. I have a credit limit of {$3000.00} for some furniture I purchased for my daughter. I paid this credit card off completely with a XXXX balance plus an additional {$100.00} overage. Fortuna then sent a interest charge fee of {$49.00} to my credit card statement stating they have returned my XXXX and please pay this {$49.00} plus and additional fee for a late payment on the XXXX. I contacted fortiva and explained to them that I have not received XXXX check, they still had that money and if there was an annual fee that they suddenly decided to have which I was never given Any knowledge of they could take it out of that XXXX and XXXX well they never did and they have continued to charge me. bill is now {$120.00}. and they've never sent me back my original XXXX. I have a bill statement in front of me that shows what I'm saying and I would love to know how they can charge me a late fee on money they owe me
05/27/2016	Yes	Credit card	Delinquent account	GA 30014	Web
Fortiva has reported and damaged my credit intentionally. I called this credit card company on XXXX XXXX, 2016 to make payment in which their automated system advised my credit card was current and I owed XXXX dollars. On XXXX XXXX, this credit card company called my cell via the dialer system and I spoke with a customer service rep who told me I was 30 days past due and I pay her one payment in the amount of {$74.00} in which I did. Five minutes later I was contacted again via automated dialer on my cell phone and was told I was 60 days past due and should pay 2 payments. Then, I became confused because the reps could not explain my due date or my payment history. I then called back, got another rep on the phone and the third time was told something different. I asked if this would destroy my credit. All the reps kept saying was not to worry, everything was going to be okay and not report if I paid. I paid as instructed and now I am being reported 60 days on my credit. Fortiva has destroyed my credit with their poor customer service and misleading practices.
04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90045	Web	Servicemember
During the Pandemic I was dealing with XXXX XXXX XXXX anXXXX XXXX XXXX with XXXX XXXX XXXX XXXX. which lead me to go visit my doctor, I was involved in a XXXX XXXX XXXX which put me in more XXXX XXXX. XXXX and need for iXXXX XXXX XXXX and XXXX, I value and respect my credit and reached out to Aspire* about the XX/XX/2022 payment which was {$140.00} due, I let them know what was happening and made arrangements/ promise to pay half, with the remaining to be paid by the XXXX of the month [ two days after the statement date ] they reported the entire payment 30 days late, I had no other payment issues with them and paid double payments and entire balance $ XXXXas soon as I got back on, my financial feet. I have been a good customer with this credit card account and really feel it unfair and unnecessary to have my credit score affected by the late payment they placed on my report. I asked for understanding and consideration because of the circumstances I meantioned above. I would appreciate very much to have this removed and to keep good standing with Aspire*
12/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IA 52806	Web
My bank paid off the card and I called to close the account and asked would they take off the late fee they said they would and I closed the account. I got a text message saying my payment was due so I called them. They said I owed {$16.00} dollars they said the charge came in after the bank paid them off. I told them I would call back the next week to pay them. When I called the representative a man said that the account was closed and he would take care of this. The next week I get a text saying my payment was late. I called again and was told I owed {$12.00}. I told the representative that I had been told I owed {$16.00} and it would be taken care of because the account was already close. He said ok, the next week I get text messages that Im late I call again Im told this time I owed {$72.00}. I told her if they record the calls like they say then they will hear what the previous representatives told me. She was rude and said the late fee was not taken off and I owed them the money I was not getting anywhere so I told them I was going to report them.
12/28/2020	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TN 370XX	Web
Fortiva XXXX XXXX charged me on XXXX for XXXX I called them and they said I would have to wait to get letter. I tried to fax to the number on the dispute form XXXX and then on my statement XXXX. I called on XXXX and asked to speak to the XXXX, ga office and was transferred to what i thought was XXXX but was an off shore call center. I told that lady that I have mailed my dispute in on XXXX called 7 days later to confirm. They insisted i didn't send it in I then told them about their fax numbers and they advised i did know how to fax but yet I run an Insurance office for over 15 years. Then I was transferred to another dept and a lady named XXXX with Id # XXXX answered and all the sudden they found my written dispute today XXXX I have done every step they have asked me to do including going to the XXXX store i shop at and to get the manage on the phone with them to confirm if the transaction took place and the manager confirmed they have no record. I believe that they have charged someone else 's transaction to me and they dont want to admit it.
06/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 760XX	Web
on or about XXXX a company called XXXX XXXX XXXX charged my Aspire Credit Card ending in XXXX card {$56.00}. I did not authorize this purchase and did not receive any goods or services from this company. These purchases were also charged to my card and I did not authorize them. XXXX {$9.00} XXXX {$58.00} XXXX {$58.00} XXXX {$56.00} XXXX {$58.00} XXXX {$56.00} XXXX {$19.00} XXXX XXXX did not receive any goods or services and did not directly authorize this. I disputed the charges with my cc company. Aspire credit card originally refunded my account for 7 of the charges but denied my fraud claim for one of them. They closed my card and sent me a new one. The charge they denied was the exact charges of some of the others. I was pretty upset they denied this claim but was going to just roll with it. I log in to my account today to pay my bill and all the charges are there again and they are saying they denied my claim. I did not make these charges and did not receive anything in return. I closed the account and refuse to pay someone elses charges.
08/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 49444	Web
The XXXX owns the all caps entity with the same name as me. I am XXXX XXXX, not XXXX XXXX. I am living entity of the all mighty and the all caps is a corpus entity. I rescind signature on a fraudulent contract with fortiva. All contracts in statute is written in malfeasance of office, surety is being claimed by the Actual creditor, the living man when it belongs to the dead, corpus entity solely. Forced or misleading information is grounds for immediate voidance of contract. You can't take my credit and offer it back as debit ( debt ) and charge me when it is my value that created the fed res debt notes. You are hereby challenged to present a true bill of XXXX and when you can't all must be eradicated. It is unlawful to sell debt as a non contractual party has NO standing in the said contract or the upholding of any actions written in it. Conditional acceptance for much more money is the next option and I will collect on the injuries and damages created by all corporations involved facilitating such non sense as acceptable, I mean every one.
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90015	Web
Looking on my main consumer credit files, I see the corporation XXXX is on it, as well as the company they sold the alleged debt to, XXXX. If they are no longer collecting on this alleged debt, why are they still on my consumer credit files? This is why I sent the Cease & Desist and Debt Validation to Aspire. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury you caused, which was illegal. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ). Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. An original writing, recording, and photograph are required in order to prove its content. Bill statements are not mentioned as validation, according to congress. Bi ll statements with the name of my organization on them are nothing but receipts, proving that Aspire ( the debt collector ) was credited for the transaction already through me, the original creditor.
03/23/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NY 10034	Web
I applied for a line of credit with Fortiva based on the fact that the product I was purchasing qualified for 12 months of interest-free payment. At no time did I receive communication from Fortiva informing me of the conditions of the approval. Nor does XXXX ( XXXX ) website state that not getting the interest-free promotional period is a possibility. XXXX website concentrates on the 12-month interest-free financing, and once you are approved for a line of credit with Fortiva, it automatically goes back to XXXX website at no time showing the terms of the financing nor is written communication sent after approval. First communication received from Fortiva was my statement. I became aware that I had not qualified for the promotion of either 6 or 12 months interest-free payments when I contacted Fortiva after receiving my second statement to inform them that they had made an error in charging me interest. Had I been made aware that I would be charged 29.99 % APR, I would have used another form of payment or not gone through with the purchase.
11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60013	Web
I had an account with Fortiva Credit Card company through XXXX. There was a late payment of {$30.00} or something that they kept on sending to my old home address. As a result, I missed it. That caused XXXX point reduction in my credit score. Fortiva did not contact me by any other means to notify me about late payment or the payment either. I tried contacting them multiple times, talked to several supervisors to remove that from my account. But all in vain. I learnt about the XXXX point penalty only after applying for a home mortgage loan last year. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 that states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. So, I request CFPB to help me resolve this issue since creditor has not at all.
07/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	UT 84321	Web
ON XX/XX/XXXX I PAID OFF MY ASPIRE ACCOUNT IN THE AMOUNT OF XXXX. I ACCIDENTALLY PAID IT OF TWICE. IN TWO PAYMENTS IF XXXX Totalling XXXX. I contacted Aspire on XX/XX/XXXX via text chat. I texted with XXXX. He said " I will have a refund request forwarded to the appropriate department. Please allow 7 business days for internal processing and an additional 10 business days for you to receive the refund check. Then on XX/XX/XXXX Aspire closed my account out of the blue, saying because of " inactivity on my card ''. This made my credit score drop XXXX points! I have had XXXX XXXX on time payments. Then on XX/XX/XXXX they said I was issued a refund. They didn't send a direct payment to my bank account. I called the on XX/XX/XXXX to see when I could expect a payment, if they sent it to my bank account. I talked to XXXX. Then he told me no, it wouldn't be going directly to my bank account, that I would have to wait another 7-10 business days for them to process a check, then wait another 7-10 business day to receive my check in the mail.
10/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CO 80907	Web
I contacted Fortiva Credit Card Company about some fraud charges that was on my account that was racked up to around {$1100.00}. A few months later after looking to see what my monthly bill was going to be, I noticed that the fraudulent charges got put back onto my account. I called and was stated that a notice was sent to me & I should wait till it comes in the mail. Few days later I received a letter for Fortiva saying that the amount is being sent to collections and I need to pay that amount.I was never told in a letter that the charges was denied or a reason behind them. When I tried to call them about new fraud charges the representative didn't send the paperwork that was needed to file the new fraud charges because as she stated " a case was already opened and closed, therefore we don't need to reopen on. '' A month after this letter was sent out to me, they closed the account. They stated that the account was closed for being over said limit and this letter was sent out last month ( XXXX ) and was being sent over to collections.
12/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 90266	Web
In XX/XX/XXXX, I instructed Fortiva to close the XXXX XXXX credit card. In early XXXX, we received an invoice from Fortiva for fraudulent charges on the credit card. Around XX/XX/XXXX, Fortiva resolved the disputed charges in my favor. HOWEVER, Fortiva did not remove the late fees and interest on those late fees from the fraudulent charges. Fortiva continues to send me monthly invoices for the fees and interest on the fraudulent charges. I sumbitted disputes to the credit reporting agencies and had Fortiva removed from my credit report. Regardless, every month I get an invoice requesting payment for fees and interest that change stem from the charges that Fortiva resolved in my favor. NOBODY there will remove the fees and interest from the fraudulent charges. I continue to get harassed every month. I am certain this will go to a debt collector and negatively impact my credit. They resolved the original charges as fraud but continue to try and collect the fees and interest from the fraud. This company is criminal. This is harassment.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30318	Web	Servicemember
Around last year time frame I have a balance of around {$660.00} with an aspire credit card. I called to pay the balance down and they lady over the phone explained to me that I called at the right time because they was offering a 100 % match program and that my account qualified. I asked her is i payed the {$330.00} what would happen to the account, she explained that it would be {$0.00} and it would stay open for use. Literally as soon as I made the payment about 3 days later I noticed the account went to closed status and charged off.. I immediately called them and they have now kept forwarding my calls to this scam like collection company name XXXX XXXX XXXX. These people can not answer one single question about my account nor provide me with any information.. I mean ZERO information. This is illegal and goes totally against the consumer law. My account should have not went to these people in the first place and also on my credit report it still says aspire have the account but that is also incorrect according to aspire. Thanks
07/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	FL 322XX	Web	Servicemember
Fortiva changed my account by opening a MasterCard that accrues interest instead of the account I had which is a retail account that doesn't accrue interest. They are refusing to move it back. I never authorized it. They are saying that an email was sent regarding the changes however I never got the email and something of this nature should never just rely on an email communication. Per the communication I had with them they said that : account was change to Retail Fortiva account to Fortiva Master Card account. Since the account as been changed the interest has increase from o % to 25.99 % This is very disturbing that this would happen. This is a bait and switch which they are not willing to fix because I didn't " opt out '' in time??? No mail was received, no email was received ... why would this be an " opt out '' situation?? This is a bait and switch. I have had the retail account for a long time and now out of the blue they are changing it and charging me interest. Aren't there laws to prevent this situation from happening?
04/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	SC 29209	Web
On XX/XX/XXXX I opened an account with XXXX ( security company ). I was told that the equipment would be financed through a third party company Fortiva Credit with 0 % interest. Everything was fine and going along with what I agreed to which was {$26.00} monthly payment that was auto drafted out of my account monthly. On XX/XX/XXXX, I received an email that said " congratulations you've earned an account upgrade. '' I did not think anything of it, I figured they just moved me to a different account type. On XX/XX/XXXX, I received the card in the mail along with the disclosures and to my surprise this account now charges 29.99 %. This is not something I agreed to or I signed up for. I was switched to this account without my knowledge. The amount that was transferred over to this account is {$690.00}. I agree this is a balance I owe, but I am not an agreement with paying interest on the money. I want to be switched back to my retail account and finish paying my monthly balance. My contact information : XXXX XXXX -- XXXX -- XXXX
04/21/2017	Yes	Credit card	Delinquent account	OH 44143	Web
I took out a credit card with Action Card a few years ago. Unfortunately, due to unemployment I fell on hard times and am unable to pay the bill of {$1000.00} until I 'm gainfully employed. I have been receiving several harassing calls from a XXXX XXXX XXXX . This credit card is in my name only and this XXXX XXXX somehow got a hold of my wife 's cell phone and now she is harassing my wife. My wife did not co-sign on this account nor was she ever a user. I 've asked XXXX XXXX to stop calling my wife and she stated that she is a lawyer and that she can call anyone in my household. I also told XXXX XXXX that I am unemployed and that as soon as I am employed again that I will make payment arrangements. XXXX XXXX stated that unless I am living on the street that she will do everything and anything to collect from me. I feel that she is being overly aggressive. I understand that bankruptcy might be an option but that will hinder our employability so we are trying to handle this as best as we can. Please help.
09/01/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	VA XXXXX	Web
I, XXXX XXXX XXXX was pre-approved for two FDIC backed credit cards in which required paying a fee before they were opened. The XXXX XXXX card was eventually closed after initiating the first card and then the bank closing the initial card without consent and sending a new card, only for the card to be misrepresented in balance. The balance was paid off but the bank has not returned the {$100.00} applied to initiate the credit. The second card is Aspire MasterCard which required a {$99.00} initial fee to open the credit limit. All balances have been paid over the few months of opening the card. However, Aspire would like to close the account, indicating there is evidence of fraud with providing such evidence for review. So, they placed a hold on the account, which the consumer believes have always been placed on the account because the card only allowed 50 % use of the credit limit and declined 1 of 2 scheduled payments which included insurance and phone service. The consumer refused to close the account or accept a new card.
12/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32940	Web
On XX/XX/2022, a Request for Accounting & an Official dispute was sent out to Fortiva Credit Card XXXX XXXXXXXX XXXX XXXX XXXX holding Certified mail # XXXX. Fortiva Credit Card received the request and dispute, however Fortiva failed to respond in accordance with laws and failed to provide debt validation as requested within the letter sent and received by FORTIVA. The account is being reported to the consumer reporting agencies and I have concerns regarding the account being associated with Fraud. Law requires that an account be 100 % accurate and that FORTIVA provide complete validation including a CONTRACT signed by all parties which FORTIVA has failed to provide to me. The account is fraudulent and is being reported to my consumer report in error and FORTIVA has failed to cease and desist their reporting of the account from all agencies as requested in my correspondence sent to them and received and they have failed to validate. Furthermore, FORTIVA received by dispute but failed to mark my consumer report as disputed.
08/20/2018	No	Credit card or prepaid card Store credit card	Trouble using your card Can't use card to make purchases	MD 21244	Web
Made a purchase through XXXX XXXX with XXXX Retail Credit card, the order was cancelled on XX/XX/2018, and was voided on XX/XX/2018. It still shows on the XXXX retail credit card that the order is pending since XX/XX/2018. It has been 3 weeks and 6 days since it shows the order is still in the pending status. XXXX XXXX has already confirmed and sent a receipt showing the order has been cancelled. On XX/XX/2018 I spoke with XXXX after receiving a statement showing that the transaction is still pending, they advised me XXXX XXXX has not sent anything which is a lie because I have the cancellation email from XXXX XXXX, and when I call to speak to XXXX XXXX they state no order is pending and XXXX should have been cancelled the pending transaction. Since XXXX is unwilling to cancel the pending transaction it has just be sitting using my available credit and I can not use the card to make the purchases that I want to make. The representative XXXX I spoke to via chat advised they can not do anything, even when I have the proof.
03/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OH 45356	Web	Older American
Fortiva Credit Card Company 3 fraudulent charges were charged to my credit card. I called over 60 days ago and reported this. The first person I reported to cancelled the credit card and sent a new one and was going to report the fraud and have it resolved in 30 days. I was told a supervisor would call me, never happened. I heard nothing from them so I called again and got the same run around. A supervisor would call and get this taken care of, never happened. Now over 60 days later I called again and they spew the same lies, we will look into this and get back to you in 30 to 90 days. A supervisor will call you. They continue to charge interest on these fraudulent charges, they never let you speak to the fraud department and they do absolutely nothing to resolve this matter. I am contacting the Attorney Generals office and reporting them as a fraudulent credit card company. I have turned the card off and refuse to pay anything more until this is removed from my account. Also they try to charge you for fraud protection.
12/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	AR 71913	Web
On XX/XX/22 I attempted to make a purchase from XXXX. I received a text message from Aspire asking if I authorized this transaction which I replied " Y ''. My payment declined so I reached out to the issuer. They said a temporary suspension was placed on my account to prevent fraud and had me verify my recent transactions to remove suspension. I did and suspension was removed but my card kept getting declined with XXXX. I reached back out to the issuer and was then told some transactions are systematically flagged and to try my card with a different merchant. I told them I was not interested in using the card somewhere else, that I had already approved this transaction several times now ( from the first text and through their chats with agents ) and they need to unflag this transaction I authorized. They told me there was nothing they could do but to use a different card with XXXX or use my Aspire card with a different merchant. They verified I have available funds, but are restricting where I am able to use my funds.
08/18/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 32092	Web	Older American
Fortiva credit cards charges large upfront and then monthly fees ( typically {$99.00} to open a {$500.00} credit limit card, then {$12.00} per month XXXX. They offer a website on which to manage a customer 's account. That website displays the customer 's available credit, which is frequently UNTRUE. They will close the account on the 90th day of no purchase activity ( which presumably is buried deep in the fine print of their customer agreement but still display the full available credit amount, presumably to mislead the customer into paying more fees. When the customer tries to use the card for an amount much smaller than the available credit displaying on the website, it is declined for ANY amount. They then blame this on " unexpected computer errors. '' CFPB should not permit credit card companies like Fortiva to continually treat customers this way and hide behind " computer errors. '' Employees of Fortiva ( or their third party partners XXXX program this software and it is entirely within their control to fix it.
08/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28306	Web	Servicemember
This company has not been mines and I filed a victim of identity theft and the credit bureau never showed proof that this was my debt and when I called the company they claim they dont show a record of this at all but some how they are still reporting me as late on an account thats saying its been closed and charged off! I am in the process of closing on my house and the company Fortiva keeps updating my report showing Im late. I have no idea why this matter has not been removed when its clearly not my debt. I am a military veteran who in that year was not even in the country. Its showing on my report opened XXXX XXXX. Its showing closed XXXX XXXX in the amount of {$5300.00} XXXX/FORTIVA. I just got a update on my report showing late for XX/XX/2020. I cant be late on a closed account thats not even mines. I have called this company and they said we dont show we have this account. Then they claim they sold the account to a 3rd party debt collection company and those company stated we dont have your name or that account.
02/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TN 379XX	Web
Some how a double payment was processed on XX/XX/23 and XX/XX/23 both in the amount of {$290.00}. When I seen this I contacted the Credit Card Aspire handled through the XXXX XXXX XXXX XXXX Told I would receive that over payment after investigation and days for a check to be mailed, asked for a credit back to the account it was paid from, they said no, but would expedite because of the temporary financial distress it has put me in. After giving it the time to receive the check, I used the card to pay utility bills, since the account was still showing a credit of {$290.00}. They have now charged my for those transactions, XXXX and still haven't to this day received a check or credit for the over payment. I keep getting misinformation about what is going on and what they are doing, last spoke to a supervisor XXXX, ID # XXXX, today, XX/XX/23, told to wait another 30 days to call again if nothing is received, nothing they can do. How many other customers have had this issue before and handled the same, I would think many.
05/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	AR 716XX	Web
Since the last complaint I filed on XX/XX/2023 the credit card company Aspire did not follow through with their own agreement on my account that they offered themselves during the last complaint. Aspire did not bring my account current, as I was still {$500.00} + in the hole because of fraudulent transactions that I tried disputing with them. I also made aware during the last complaint that I requested activation of the credit protection feature due to a injury. They are charging me for the fraudulent transactions, but they stated during the last complaint that they were going to activate my credit protection which cover my payments while I recovered from my injury. Two {$14.00} transactions posted to my account from them for the credit protection. That's not even the actual monthly payment amount. This is unfair credit card terms that they are trying to put upon me. And now upon talking to a support agent XX/XX/XXXX they have closed my account and I'm sure it's up for collections which will damage my credit score.
12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 471XX	Web	Servicemember
I never applied nor received any products or services from this company yet they are on my credit report. I have called and spoke with them multiple times and was told someone would be reaching out to me. They have never called. It takes forever to get through to someone because I have no account information to navigate through the system. Once I do talk to someone and tell them they can not find where I have spoken to them before. I do this every month yet nothing. I did file with the Federal Trade Commission in 2020 due to my Identity being stolen and have had a couple things effect my credit situation. I don't know if this is because of that or not. Regardless along with this deragatory mark on my credit it is keeping me from getting a fair interest rate on a car and also not allowing me to use my one time Veteran Home Loan. I need them to delete this. If not I want to know whom to put on court paperwork in order to Compel them to show me the information they have in which why this account is in my name at all.
03/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TN 38018	Web
On XX/XX/XXXX I was notified by my credit monitoring service that my retail Fortiva account had been closed and a new general purpose XXXX had been opened in its place. This resulted in a XXXX point drop to my credit score as it included an account closure, hard inquiry, and new account opening. I spoke with several representatives and was eventually told that they had sent one email to advise of the change on XX/XX/XXXX. After locating the email it is labeled as a " Notice '' and suggests that my account would be " converted '', but makes no mention that my previous account will be closed and a hard inquiry will be run on my credit report to perform these changes. It also does not state why this change was to take place as the retail company and Fortiva are still partners. These are deceptive and unethical practices all in the name of supporting a new credit line through Fortiva and amplifying their sign ups. I was never asked to sign or agree to anything, only to opt out of what appeared to be an account update.
02/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	MN XXXXX	Web
I am a new credit card holder with Fortiva, a high interest credit card company. I had 2 payments that were a couple of days past the due date. I never rec 'd a past due notice because I quickly corrected this issue so my account never even went 30 days past due. I recently made a large payment to the company and noticed that while my credit limit was the same as when I opened the card but my available credit was XXXX. I called Fortiva and was informed my account had been closed because of 2 late payments. I have been trying to rebuild my credit and these high interest cards are the only ones available. I was given no warnings nor was I informed that my account had been closed. When I log in, the account still shows active ( picture attached ). I believe this is a very unethical credit card company. As previously mentioned, I NEVER had a 30 day late payment and now my credit report will show an account closed. I hope you investigate them and take action so others like myself won't be tricked into accepting offers,
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78727	Web
There was a hard inquiry on my credit report from " XXXX '' on XX/XX/2022. Shortly after being notified about this I received a full Credit Report from XXXX and saw that there was a new account in my name under XXXXFORTIVA for a credit card that I never activated. I immediately filed a dispute through XXXX and was notified a week later that the results were " Accurate and Updated. '' From there I filed another dispute on XX/XX/2022 and received the same results. I also contacted Fortiva directly to try and figure out what happened and attempt to remove the account from my name and they told me that there was no record of me having an account open with them therefore there was nothing they could do. So I first need to know how XXXX can declare this being accurate when the company itself has no record of me opening an account with them and most importantly I need this removed from my record as I believe it is fraudulent. I need someone to please help me do this or at least point me in the right direction to do so.
07/20/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Sent card you never applied for	MS 39402	Web
On XX/XX/XXXX I received an alert from XXXX that a new account had been added to my credit report. I did not apply for any new account and was baffled as we are currently building a house and we cant apply for credit right now. XXXXFortiva applied and placed a {$1000.00} credit card on my account without my permission. Ive never had a card with either company and have not used this service sine XXXX. I put in a dispute with XXXX as I dont apply to the card and suspected fraud. I called the company and asked why did they add an account I didnt apply for. He could not give me a reason but stated a card was in the mail. I never applied for the card and asked that it be removed from my record and not just closed off my credit report like I closed it because I never applied for it. I told them this had to be illegal because I did not give permission. I just dont want them to do this to anyone else. If I would have wanted a card from them I would have applied two years ago when I use their service. Please help. Thanks.
08/30/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 727XX	Web
Fortivia continues to report and confirm that my account delinquent from a period of XX/XX/2019. This information is incorrect and I was never late. In complaint # XXXX-XXXX/XXXX Fortiva responded that they have directed the credit bureau that my account was never late and said XXXX needed to correct the information to allow 5 to 7 days for that to occur. I submitted a dispute with XXXX and XXXX. In response XXXX indicates that when Fortiva was contacted by them regarding the dispute Fortiva is confirming that the account was delinquent. In complaint # XXXX-XXXX XXXX indicated that as recently as XX/XX/XXXX Fortiva was confirming the delinquency. I have received several letters from Fortiva that this account is being reported delinquent yet they are continuing to seen electronic feeds to the credit bureau 's that this payment on XXXX of 2019 was 30 days late. This incorrect information needs to be removed from my credit bureau reports. Fortiva needs to fix this electronic feed that is reporting incorrectly.
07/25/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 27292	Web
They said the transaction happened on XX/XX/2021. I made a payment of {$700.00} on my account. I woke up checked my banking account and noticed {$940.00} was also taken. I called the first person told my I had auto pay on and it was a mistake. I asked to talk with a supervisor he said that it was a mistake and would be sent back in two days. She wouldn't tell my why and how that transaction was made. I talked to another supervisor and he said I authorized both transactions. I was explaining to them why would I pay {$700.00} two days after I supposedly made a {$940.00} payment on a card with a {$1000.00} credit limit. Why would I pay {$1600.00} on a credit card with a {$1000.00} credit limit. On XX/XX/2021 i contacted them because the {$700.00} didn't process as what they called a computer error on there end and hit me with a {$34.00} late fee which is the second time this has happened. The first time they sent the money back the day the payment was due. And nobody can tell me why and who authorized the {$940.00}.
03/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NY 10469	Web	Older American
Step 1 : What is this complaint about? accounts were opened fraudulently in my name on or about XX/XX/2020 using an email account XXXX with XXXX XXXX and ASPIRE card Step 2 : What type of problem are you having? i can not close the accounts and the people refuse to acknowledge these accounts are pure fraud and then then demand payments and demand my filling affidavits that do not arrive in the mail on time ... why should the affidavit forms arrive on time by mail?? the US Postal Service in is in disarray Step 3 : What happened? see abover Step 4 : What company is this complaint about? XXXX XXXX and ASAPIRE CARD and in a way the XXXX XXXX people ( an encripted email provider based in XXXX and apparently a favorite for identity thieves Step 5 : Who are the people involved? folks in both companies discover card aspire cards and protonmail.com also people who were staying at my house for a few month s are likely involved as well as a XXXX XXXX who recommended the folks be invite in can be reached at XXXX XXXX XXXX
09/29/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 49444	Web
Monday XX/XX/XXXX I called to dispute a dept from XXXX the manager was extremely rude and refused to accept my dispute And in which I was trying to tell him that XXXX XXXX started happening when the debt came about and that I was affected during that time. Then he proceeds to argue with me telling me that covid 19 is not that bad anymore compared to what it was back then in XXXX.And when I was trying to explain that it was he then hung up on me. I was bullied by him and was not heard. I was going to give in and not dispute this or try to because he wasn't going to let me, so I asked if I paid monthly what would my payments be he gave me a estimate of {$93.00} a month. I hung up because I was very upset with his attitude that he continued to give me. Today XX/XX/XXXX I called again to try and settle a monthly payment that fit my finances. It was a different employee who told me I had to pay {$320.00} for the next 7 months. I do not like being lied to or bullied and that's exactly what this company is doing to me.
07/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	IL 60624	Web
In XXXX, Fortiva closed my credit account ( ending in XXXX ) without notification. They continued to charge a {$12.00} monthly fee. According to the account agreement, this fee would be charged in any month during which their was a balance on the account. There was a balance on the account until earlier this year XXXX XXXX ). On XX/XX/XXXX, the balance of the account was paid off and stood at {$0.00}. In early XXXX, XXXX I received a text message from Fortiva saying that my credit card payment was past due. I logged on and noticed that Fortiva had added a {$12.00} fee to my account for XXXX, XXXX and XXXX. These fees are not included in the cardholder agreement, since there is not a balance on the account. I called Fortiva Customer Service, and asked them to ensure the account is closed and to remove the fees totaling {$37.00}. The fees were removed, but now, over a week later, I logged on and I see that the {$12.00} fee for XXXX has been re-applied to my account and this account is now officially a zombie.
10/19/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33322	Web
I received a collection letter from FORTIVA on XXXX but dated XXXXXXXX XXXX XXXXXXXX. This letter was sent despite my having contacted their dispute department by mail two times previous asserting my rights as declared in the issuance of any such credit under such title clause/language. They have chosen to disregard my communication in favor of their attempts to collect an invalidated debt which would only benefit FORTIVA and threatens to further damage my credit beyond what they have already done. I have already submitted complaints regarding this apparent merchant FORTIVA and as it appears, the complaints are still pending. this is a clear indication that FORTIVA refuses to accept my notice of dispute of any such debt and or is attempting to collect a debt already paid in good faith. Consequently, I have reported this to my credit reports/the Three main Bureaus and they have also refused to properly investigate this and have instead sided wit the reporting merchant having violated my rights under the FCRA.
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63109	Web
In XXXX of last year an account was opened in my name for a credit card with a limit of over 2000 USD and was maxed out instantly using incorrect personal information. When i contacted the credit company they had incorrect phone number and address on file for this fraudulent account proving it was made by someone else. This was 100 % fraud. Late payments started showing up on my credit report damaging my score. The account was closed and then reopened when i attempted to rectify the issue with the credit company. I have tried several times to receive help from the company but they have done everything to ignore my issue and continue to claim the account is mine while sending late payment notices every month. I hired a credit repair company to investigate the matter but were only able to remove one item from my credit report. They were able to prove the account is fraud but for some reason they couldn't get the major credit companies to go further into removing more than the one item from my credit report.
01/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	GA XXXXX	Web	Servicemember
For Fortiva Card Services, this debt was settled via my representative XXXX XXXX XXXX. The credit card debt with Fortiva MastercardXXXXXXXX XXXX XXXX XXXX is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; XXXX # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter to Fortiva om XX/XX/2021, requesting they correct the account on my credit reports ; the balance should be zero. The letter was delivered and signed for on XX/XX/2021. I'm requesting the account be deleted from my credit reports. I have not received a response. A copy of the debt settlement email is attached and a copy of the certified letter sent to Fortiva is attached.
04/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	TX 77042	Web
I am filing this complaint in regards to the company Fortiva. I opened an account XX/XX/XXXX with an opening balance of {$2000.00}. Since then I have paid a total of {$520.00} and as of today XX/XX/XXXX my balance has only decreased by {$100.00}. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. I reached out to them on multiple occasions and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and the company 's only response is that its from interest. The total amount of interest paid to date on the most recent statement shows only {$220.00} which is unfair but not even that if {$220.00} was put towards interest then why hasn't the remaining balance {$290.00} been applied to the principal balance that I actually owe? Please see the attached opening statements and current statements.
05/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	WI 54481	Web	Older American
I received two pre-approved applications/offers for credit cards online several months apart. I filled out the first one and was denied even though my credit report/history did not change in the previous six months. Several weeks later I started receiving junk mail and spam with information that I had used on the credit card application. Another pre-approved application/offer was sent several months later with the same results and more junk mail and spam. These cards were offers from Aspire in XXXX, GA and issued by the XXXX XXXX XXXX in XXXX XXXX, MO. I feel these offers were extended to me to put my information into a marketing data base and sold. When I wrote a letter to the XXXX XXXX XXXX it was returned unopened. When I sent it to Aspire it was never answered. The letter of denial blamed XXXX when in fact they have nothing to do with an approval decision. I have all paperwork to back up these claims. I believe that Aspire never intended to issue me a credit card or denied me because of my age.
03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 302XX	Web
XXXXFORTIVA is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. Last Reported dates are not consistent XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. XXXX is reporting- Account never involved in XXXX XXXXXXXX debt adj. Account never was transferred or sold Never Included in XXXX XXXX Dates with last activity is all different for all three credit bureaus. Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
05/16/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76227	Web
In XXXX of 2019 during all of this Covid 2019 pandemic a later payment appeared on my credit from this company I have never been late making a payment with them last 30 days not to mention their online account access never worked for me to process payments so as a courtesy they would send me text to make the payments because of the inconvenience with their online portal but then stopped sending the text which was negligent on their part. The last message I received to make a payment was in XXXX. Allowing for limited options for payments however I still made the payments. In Addition to that our country is in the middle of a pandemic which we were all affected by. I tried reaching out to the company but no resolution to the 30 day listed on my credit. Ive done some research and have seen reviews on this company and it appears Fortiva does this very often to clients and its not okay. They are very unprofessional and robbing innocent people during such trying times. Ive paid this account off in full.
05/16/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76227	Web
In XXXX of 2019 during all of this Covid 2019 pandemic a later payment appeared on my credit from this company I have never been late making a payment with them last 30 days not to mention their online account access never worked for me to process payments so as a courtesy they would send me text to make the payments because of the inconvenience with their online portal but then stopped sending the text which was negligent on their part. The last message I received to make a payment was in XXXX. Allowing for limited options for payments however I still made the payments. In Addition to that our country is in the middle of a pandemic which we were all affected by. I tried reaching out to the company but no resolution to the 30 day listed on my credit. Ive done some research and have seen reviews on this company and it appears Fortiva does this very often to clients and its not okay. They are very unprofessional and robbing innocent people during such trying times. Ive paid this account off in full.
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28311	Web
I've been back and forth with XXXX XXXX in regards to two accounts XXXX, and XXXX. These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, XXXX XXXX is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of XXXX XXXX trading and selling on my name unauthorized. Pursuant to the XXXX sec filings ( indenture agreement ) XXXX XXXX failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.
04/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 071XX	Web
Fortiva Retail Credit has placed a collection debt on my credit report for what seems to be a home security system for an address I've never lived at nor been to. It is completely fraudulent. I have sent certified letters disputing the collection, as the address is completely foreign to me. Upon recent of my letter, a Fortiva representative spoke with me regarding my concerns. The representative stated that the address listed for the home security system was not known or associated with me, ever, nor was it on my credit report. The representative further deceitfully asked me for my address to verify that the account and address on file was not mine. Upon giving the representative my address, she then, unbeknownst to me, updated the account information to reflect MY address and mailed the collection papers to my house. Now the bill has my name and address on it to further their illegal and deceitful attempts to collect a debt for a home system I have never been to, owned, or been associated with.
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46312	Web	Servicemember
I reached out to this company Aspire several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the XXXX following major XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. Aspire keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.
02/10/2021	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	TX 75218	Web
I recently disputed this alleged account directly with Fortiva. And later checked my credit report and there was no " NOTICE OF DISPUTE '' in the comment section so I sent another dispute letter pointing out that they're ( Fortiva ) is REQUIRED BY FEDERAL LAW TO NOTIFY THE CREDIT BUREUAS WHEN AN ACCOUNT IS BEING DISPUTED. Which they've failed to do. I have proof! a. Time-Stamped copy of my credit reports b. Certified mail receipts c. Including a signature showing that my first initial dispute letter was delivered and signed for. Fortiva is in violation of the FCRA Under the FCRA section 623 ( a ) ( 3 ) and or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period This is a federal violation and isn't to be taken lightly. I'm also attaching the dispute letter informing Fortiva that they've violated the FCRA and the FDCPA. They're now being NON COMPLIANT to the federal law! There is NOTHING IN THE COMMENT SECTION ...
07/04/2021	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	CA 93313	Web
I have two separate credit lines with fortivia credit both lines show that my balance is not going down after a few months of making payments I realize my balance is still high and I have not used my fortivia XXXX account since XX/XX/2021 my other account with for XXXX I was penalized for making my payment early so I was charged for a late fee although my payment was early and then they did not apply my monthly payment to my account someone has kept my money no one wants to reimburse me nor do they want to apply that monthly payment to my balance to me that is actually stealing from someone I never knew that there was a fee for pain one day early I also would like my money back since they are not applying it to my balance nor my account I can not afford to keep doing this it took me months to realize what was happening but I now realize what's going on there are many bad reviews on fortivia credit card line online now I wish I had known sooner someone please help me XXXX XXXX XXXX
08/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 151XX	Web
On the date of XXXX. XXXX, 2022, XXXX XXXX opened a line of credit under my name for {$5000.00} with XXXXFORTIVA XXXX I was unaware of this account until I received a phone call from FORTIVA about payments being past due. After the call, I proceeded to contact XXXX XXXX to request the credit to be refunded to FORTIVA as I was unaware of this account. I have not received any services from XXXX XXXX, especially at the cost of {$5000.00}. I can not stress this enough. I have not received any services from XXXX XXXX. XXXX XXXX, however, was very understanding and returned the credit. XXXXFORTIVA continues to keep this fraudulent account open and reports it as delinquent, regardless of the refund of credit. I have disputed the claim with XXXX and the disputed information was found to be verified as accurate, regardless of the account being created without my knowledge and without me ever having received services from either of these companies. I will continue to dispute these claims.
12/05/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	ME 046XX	Web
I tried to change my username but there is not an option to do that. There are 2 sources of security when it comes to accessing an online banking platform. The username and the password. If your username is on the dark web or has been used to hack into other credit card accounts ( as mine has ) than now your security level has been diminished by 50 % if you are unable to change your username. I then asked to have my online account deleted and was told that was not possible. How is it not possible to deactivate a consumers account? I find this unbelievable and also unsafe. The end result was that I had to close my account to protect my personal information. Because I have closed my account my credit score will be negatively effected. The reporting agency algorithms will read the closed account as negative as though I did it because i couldn't pay my bills. This company should not be allowed to offer online access if they can not provide a secure environment for their customers.
03/24/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 93454	Web
I was notified by my employer of my wages being garnished for a debt in the amount close to $ XXXXThis is a previously approved credit card of {$6000.00} 15 years ago? The Company is VISA ASPIRE. Never have I been in the presence of this approved credit at 20 years old. No credit history no full time job but my social security was hacked into and used to be approved for something I never had access to. There are unknown records of delinquency in XXXX and payments made towards this in XXXX. I called to locate this application and to ask for the proof of approval but they could not locate this account. Furthermore could not prove I have an account there. My " account '' was place with a collection agency XXXX XXXX XXXX which I have been sued for something I have no direct connection too. Please help stop this fraud and please relinquish this debt from my social security as it is damaging to my livelihood! I am doing my part on filing a claim and a police report to help my case.
08/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 334XX	Web
XX/XX/ noticed fraudulent charges on my brand new credit card from Aspire. I immediately commenced an online chat, explained which charges and request my card to be cancelled and a new one to be issued. The online chat acknowledged ( I have screenshots of same ) and issued new card. Online chat advised for me to contact the fraud department at XXXX. I immediately started to try and call. I have all records of the two dozen calls I have made and was instructed to leave a voicemail and never received a call back. I finally connected to a representative who then emailed me a fraud form to complete. I completed/complied and emailed it back immediately on XXXX I received a subsuqent email again asking me to call the fraud department. I have called several times a day, to no avail. I sent a certified letter to them on XX/XX/ which was received by Aspire on XX/XX/. To date, the charges are remaining on my NEW account with no return calls or emails or a provisional credit issued.
04/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MO 64134	Web
This closed my account because they said fraud charges on my account and then closed it. I dispute all charges on what they were talking about and it was from XXXX XXXX they charged me like {$1000.00} in credit card debt but before those charge my card was locked and i had and avialabe credit of $ XXXX en i finally spoke with a agengy about it this was in XXXX and i m thinking everthing would be good all charges got credit back and brought my account back to a XXXX balance but they closed my account and said that cant reopen my account. SO then im like can u open up me another account they told me that t hey cant and then when i asked about my avaiblae credit that was on the account they told me they would mail it but i never got no mail until i got an alert last week saying i owe {$290.00} and when i logged into my aspire account i sent they charge me back on {$290.00} that XXXX did and opened up another account with that balance saying i owe that money and Im like WOW.
06/21/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	PA 180XX	Web
I was contacted by phone ( and my wife ) on XX/XX/XXXX regarding a past due amount owed to Aspire C.C. They proceeded to inform me I am being sued for an outstanding debt and this call could prevent the lawsuit moving forward. I questioned this debt and validity of the phone and they were able to provide quite a bit of personal info - a bit scary. I was told that I would be served the lawsuit paperwork if I did not take this last opportunity to settle the amount owed. I caved in ... now I feel I am paying a huge penalty. They requested XXXX} on XX/XX/XXXX and continue until the amount due XXXX was settled. After this stressful situation I contacted the credit card company and they had no clue and suggested to contact authorities. I reached out to the collection/law firm per phone number and address - address is a virtual office, property manager does not have the company as a tenant/client. XXXX searches did not yield anything but article for phantom debt collections.
01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	HI 96720	Web
I am filing this complaint against Fortiva due to a dispute regarding their report of a late payment on my credit report. Fortiva stated on my XXXX statement that my XXXX payment of {$95.00} was past due. However, I made a payment of {$180.00} on XX/XX/XXXX, as clearly indicated in my XXXX statement. This discrepancy has significant implications for my credit score and financial credibility. Dispute Details : XXXX Payment : The XXXX statement indicated a minimum payment due of {$95.00} by XX/XX/2023. Fortiva 's Claim : On the XXXX statement, Fortiva reported that the XXXX payment was past due. My Action : I made a payment of {$180.00} on XX/XX/2023, as shown in my XXXX statement which covered the {$95.00} XXXX payment. Well within 30 days. Attempts to Resolve : I disputed this with the credit bureaus, presenting evidence of the payment made on XX/XX/2023. Despite this, XXXX 's dispute results indicated that the account remains reported as a late payment.
05/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NJ 07054	Web
I've contacted Fortiva twice by mail ( letters dated XX/XX/XXXX and XX/XX/XXXX informing them that I am having difficulty making payments as I have been furloughed from my employment due to the covid-19 crisis. I've told them I do not know when I will be called back to work and I am running low on my savings. I've offered to make a one-time payment of {$150.00} from my covid-19 stimulus payment if the balance can be considered paid in full. The account is closed and the balance due is {$220.00}. They wrote me back and said they would defer the XX/XX/XXXX payment however it was taken out of my account. I called them on XX/XX/XXXX and spoke to a representative who told me that no settlement can be made since the account is not in default. My economic situation is already dire and now they want me to be in default with potential harm to my credit before they can even accept my settlement offer? This is not good business especially in light of this national crisis.
07/29/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 93307	Web
Aspire Master Card sent my account to collections {$1200.00} I settled the account with XXXX XXXX XXXX for less than that leaving a balance of {$280.00} and they will not XXXX out the account and still show a balance, This account has been closed for over a year. I have reached out to XXXX and XXXX 3 times in the last 5 months regarding this issue and even though I send them my identity documentation and a letter of satisfaction from the collection agency called XXXX XXXX XXXX, they don't do absolutely anything about it and in particular with XXXX, a lady was rude and tried to lecture my on past disputes. I just want Aspire to honor the letter of satisfaction and XXXX out my account and report a XXXX balance to credit bureaus but everyone seem to be making it impossible when I call Aspire they do acknowledge all payments made through XXXX XXXX XXXX however, they say I still owe them {$280.00}. Why is Aspire not honoring my settlement from XXXX XXXX? Crooks!
10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
11/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 137XX	Web	Servicemember
Account opened XX/XX/XXXX. Beginning XX/XX/XXXX Fortiva began charging a monthly account maintenance fee of {$12.00}. Customer service couldn't explain how that fee is calculated, but stated it was for : online account access, credit limit increases, security measures and the ability to use the card internationally. I had to do an online search for the pricing disclosure, that is referenced 12 times in the credit card agreement, as being accompanying the agreement, but is/was not. The Pricing Disclosure ( not found on my login access page. Needed to perform an internet search to locate ) does state that a monthly maintenance fee is billed at a rate of {$60.00} to {$150.00} annually and billed monthly at a rate of {$5.00} to {$12.00}, but does not indicate how that fee is calculated. Placing a call to customer service did not resolve the issue of where/how it was disclosed in regard to the calculation of the monthly fee, in addition to the annual card fee.
11/10/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 75231	Web
I called Fortiva about my amount that was due as I always do each month. This was done on XXXX the XXXX, XXXX.It was reported that my balance was XXXX which I do not have more than a XXXX. Not only this but that the last charge was XX/XX/XXXX. Which was posted XX/XX/XXXX? Whats wrong with this picture? Not only did I not make the charge but why did this not raise a flag with Fortiva? Maybe unauthorized. I had paid XXXX, and XXXX payments early and above the minimum payment. Where did those payments go????? I was about to make a monthly payment when I heard this on the automated recording. Got with a live customer service 3 times on the phone Never got it straight nor could anyone even mention where my payments had gone nor even comprehended fraud ; I continued to call to straighten out. with zero help. I will not pay Fortiva another dime.. Is this company a wash? A false credit card? please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
02/13/2018	No	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	MN 55418	Web
my husband was involved in a XXXX XXXX collision and hospitalized. we lost his income for 30 days. Durring that time all I could cover was our mortgage and utilities. I explained the situation and they continued to call me each hour on the hour while I was at work. They demanded to know who my employer was and threatened to call my boss. they told me if I didn't pay they would garnish my wages. I made a payment over the phone totaling {$310.00} so they would leave me alone. Then I had to go to a food shelf because that was all the money me and my husband had. They are a scam. when XXXX XXXX offered me their credit card at the register, I thought it was a real XXXX XXXX credit card. Instead I got this card from XXXX. They tripled my payment within 6 months. It is a complete scam. I am working through a debt management plan and they refuse to work with me. They told me I should file bankruptcy because unless I do they are going to get their money from me.
10/09/2022	Yes	Credit card or prepaid card Store credit card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19709	Web
Purchased security equipment through XXXX and was told I could finance through them, with a company called Fortiva. I received a 60 month no interest agreement with set payments of {$66.00} a month on {$4000.00}, however my contract states the purchase was {$3300.00}. I woke up to find this was placed on my credit report as a revolving line of credit with a balance of {$4000.00} and line of credit of {$4000.00}. This dropped my credit score 90 points as I have daily monitoring. When I spoke to the company they told me there was nothing they could do in regards to increasing the limit so it wouldnt show up as maxed to the limit and that they can only provide credit up to the amount of the equipment purchase and you can only purchase with XXXX.I was never made aware this would appear on my credit report, it was sold to me as I would be financing the equipment through my alarm company. Almost like financing a new XXXX through your cellular telephone company.
05/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NJ 07054	Web
I've contacted Aspire twice by mail ( letters dated XX/XX/XXXX and XX/XX/XXXX informing them that I am having difficulty making payments as I have been furloughed from my employment due to the covid-19 crisis. I've told them I do not know when I will be called back to work and I am running low on my savings. I've offered to make a one-time payment of {$250.00} from my covid-19 stimulus payment if the balance can be considered paid in full. The account is closed and the balance due is XXXX. They wrote me back and said they would defer the XXXX payment however it was taken out of my account. I called them on XX/XX/XXXX and spoke to a representative who told me that no settlement can be made since the account is not in default. My economic situation is already dire and now they want me to be in default with potential harm to my credit before they can even accept my settlement offer? This is not good business especially in light of this national crisis.
06/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 773XX	Web
I was charged a late fee because The Credit card company told me that I did not make a payment on time, that was simply not true. I called and spoke to a representative who at first apologized for the mistake and waived the overdue payment. I then received my next months bill with a past due amount attached to it. The waived past due payment from the previous month was attached to this payment. I called and spoke to a representative who informed me that It was because of the previous month past due amount. I told them that it had been resolved. I was then told by the representative that the person who waived the fee shouldn't have, even though i was not at fault. I was told that they do not make mistakes. I was also told that I was over drafted because of fees they added because of the past due amount. My monthly payment was almost tripled. I firmly believe this is wrong and that they are taking advantage of people who can not get normal credit cards.
10/25/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33323	Web	Servicemember
I sent out a certified Dispute letter to the Debt Collecter company FORTIVA that was received XX/XX/2020. In this letter I asked them to validate this debt in question. They gave me no response to my dispute. I sent this letter with a return request receipt so I have clear evidence that the received my correspondence. When I called the company and asked to speak to a supervisor they told me that they did not receive a letter from me regarding a dispute. Under the Pursuant to the Uniform Commercial Code and the Fair Debt Collection Practices Act they are required to respond to me within 30 days by law. The supervisor tells me that they have 90 days to respond during their investigation which is false. And to add insult to injury they told me that they responded to me after I called them a second time to make my complaint. I have all the evidence of my certified letter that I sent along with my return request receipt should you need it for your records.
09/06/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MO 64801	Web
on XX/XX/18. tried to buy a transmission from a company. transaction was ran. XXXX through XXXX credit card. on XX/XX/18 all money was refunded. XXXX back to my bank. and XXXX to XXXX who still has not posted the refund and has continued to charge XXXX interest on said purchase as well. my bank had the refund posted the next day. first contacted XXXX a week after refund asking why its not refunded. was told refunds don't post for 45 days. great way to maximize their collected interest. so I waited that out. then asked and they still claim it was never sent. when it was. I have provided about 5 emails since including me and the company sending them the document 's they asked for and still no refund of the XXXX at this point I honestly feel this is a complete scam of a company. wont return items. charge a yearly fee of XXXX and a monthly fee of XXXX just to have their credit card. I want my refund plus all interest occurred credited back to my account.
09/01/2023	Yes	Credit card Store credit card	Closing your account Company closed your account	IA 50010	Web
I have been late on payments with Fortiva Retail Credit. Per an email received XX/XX/2023 if I made payment by XX/XX/2023 then they would match 50 % of the payment amount made. They are denying this. Also I received an account statement dated XX/XX/2023 that indicates minimum payment due by XX/XX/2023. There is nothing indicated in that statement that my account was closed. I only found out this information by checking XXXX XXXX and seeing a closed account on my credit report. I then contacted Fortiva and was told a letter was mailed out regarding account closure on XX/XX/2023. 1 representative claims the letter was returned however all my statements mailed to me have never been returned ; another representative I spoke with only indicated they mailed a letter dated XX/XX/2023, nothing in regards to it being returned. I have lived at my address for XXXX years and never had any problems with any other creditors regarding mailed not being deliverable.
04/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NY 12010	Web
On XX/XX/2020 I called fortiva cause I noticed that my account was closed when I checking my online account so I called to find out why my account was closed and not given the proper notification that is required by law. After speaking with XXXX who refused to give me his employee so I could better identify him. Told me a manger would call me 2-3 business days. Well on XX/XX/XXXX a manger called named XXXX Told me he could not answer my questions and in 2-3 business days he would receive a call from a different manager. Well that never happened Im not sure XXXX was even a manger. This is the 3 rd time they have closed my account with out send out in the mail proper notification. And when you call they say they do not have to. They keep saying they have right to close my account and I agree they do. I do lot even care what the reason is. There needs to be consequences for them doing this. Also like to know why I never got call from second manger
11/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30022	Web
To whom it may concern : On XX/XX/XXXX I received an email from " Fortiva '' regarding a " Fortiva Account purchase notification '' with account number ending in " XXXX. '' Alarmed, I immediately called the company and got an automated voice -- as this was a fraudulent account I was unable to type any information that would lead me to a customer rep. I then went online and emailed the company using their email contact service about this fraudulent account and requested that it be closed. On XX/XX/XXXX I received an alert from XXXX regarding an a new account -- I then saw that Fortiva had been added to my credit report with an outstanding balance of {$640.00} with a total for {$4000.00} and that this company had also done a hard inquiry on my account along with XXXX XXXX -- both on XX/XX/XXXX. Both of these inquiries were the result of fraud. I would like help in closing this fraudulent account and removing it from my credit report. Thank you!
06/10/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	OH 44145	Web
I sent XXXX XXXX XXXX a XXXX letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted
05/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 10472	Web	Older American, Servicemember
I sent my payment to Fortiva credit card on XX/XX/2023, from XXXX XXXX XXXXXXXX bill pay. According to Bank XXXX XXXX, the money was delivered on the XXXX. At the time, my debt was {$1400.00} and cents. Just in case, I sent them {$1500.00}. ( If you check my payments, you will see that I tend to send more than what is owed. ) When I checked my Fortiva statement on the XXXX XXXX XXXXXXXX, I noticed no credit was shown. I emailed them the proof from XXXX XXXX XXXXXXXX. No response from Fortiva. All I received was a letter from them dated XX/XX/XXXX telling me that my account was past due. They had imposed late fees as well as interest charges I emailed them a second time ( the same day ) asking them to eliminate all charges and properly credit my account. Failure to do so would precipitate this action. As usual, no response has been sent. This is why this complaint is been sent. I have all the documents to back up my claim. Thank you!
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
This is my second complaint about this company. My last payment to them was in XXXX. In XXXX, I was unable to log in, my account was locked. My monthly minimum went from {$55.00} to {$220.00}. I contacted the company and they are not willing to work with me. I've been harassed with phone calls 5 to 6 times a day. day and night, with one call being past XXXX XXXX. I was hospitalized for most of XXXX. I have been out of work and I would really hate to see my credit score drop. I have been working hard to better myself and they are not being helpful. I was shocked that they were expecting me to pay that much considering the circumstances. My minimum payment due keeps increasing and the fees keep piling up. Instead of my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me. This account was closed. but the fees keep going up. I don't even have a card.
02/08/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	NY 10305	Web
on XX/XX/2018 i made a minimum payment to my XXXX XXXX XXXX credit card for my XXXX payment of XXXX. on XX/XX/XXXX i made another payment to the same account for XXXX payment of XXXX. on XX/XX/XXXX i went to make a payment and they stated i was passed due for XXXX. they took both previous payments that where made and applied them as one payment for XXXX even though they were made 24 days apart. They then stated i never made a XXXX payment and hit me with late fees and possibly reported this to my credit. i made multiple calls and the customer service department continued to hang up on me and put me to collections department. This department told me if i did not make a payment then i was not able to speak with customer service at all. i then made yet another payment to try to get some resolution with customer service who continued to disconnect the phone call.agents i spoke with XXXX # XXXX XXXX # XXXX and 3 more who just hung the phone up.
01/02/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PA 19023	Web
Fortiva allowed XXXX XXXX XXXX XXXX to charge my account for {$6600.00} without my authorization on XX/XX/XXXX. I did not provide the company with my card or account information nor did I sign anything authorizing the payment. My roof was supposed to be installed on XX/XX/XXXX. My contract stipulates that I do not pay anything until the work was done and I signed off. I contacted Fortiva once the work was not completed on XX/XX/XXXX to ensure that the company could not charge my account without my consent. I was told they would not be able to debit my account without my authorization. I still have not received confirmation from the company the work is completed and now my roof is leaking. I never spoke to XXXX XXXX about processing the charges and was unaware until I saw the charge on my account. Fortiva has allowed this company to debit my account unauthorized and still has not reversed the payment after being notified of this information.
03/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33444	Web
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NY 11356	Web
I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap
01/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WA 99206	Web	Servicemember
Received an email at the beginning of XXXX stating that if I pay the amount due of {$110.00} by XX/XX/XXXX that I would receive a {$75.00} statement credit. I paid the amount ( plus {$10.00} extra ) by the XXXX of XXXX and it was split in to XXXX payments. I called today, XX/XX/, asking about the credit. At first she said that I didnt qualify because it had to be XXXX payment and not split in to XXXX. I told her the email never specified that and it just said to pay {$110.00} by XX/XX/XXXX. She looked in to it and came back and said that I actually didnt qualify because I made the final payment on XX/XX/XXXX, but it didnt post that day. I told her I have a statement that proves otherwise. She told me that theres no way my statement says that because its not true. She told me I didnt qualify and theres nothing she can do about it. I do qualify because I made the payment as required and it was posted in time. This is fraudulent practices.
02/11/2020	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AR 72762	Web
I mistakenly paid Fortiva {$30.00} to a closed account. I immediately emailed and asked them to change that money to the balance of my open account. I didn't get a response. A few weeks later, I chatted via their online chat portal and was told it would be 3 days, and the money would be credited to the correct account. I checked back, and the money had not been credited. I chatted via online chat again, and was told it would be 7 days. On the 8th day, I called Fortiva directly because STILL nothing had been done. I was told FOR SURE it would be done and it would take 7 days. It has now been 8 days since the phone call and after chatting via XXXX, he told me it would be 10 days. I finally paid the account that I owed money to and am chatting with XXXX, who told me that I can request a refund once my account has a credit balance -- which it's had since XX/XX/2019. This is FIVE contacts I've had with Fortiva about this money. Please help.
07/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33771	Web
Have had a Fortiva Credit Card for about 8 years. Due to limiting spending activities due to the pandemic and inflation, the only activity on said card was XXXX, XXXX and the payment of a maintenance yearly fee on XXXX. On Wednesday, XX/XX/2022 I received an email saying my Fortiva account was closed due to inactivity. I called their center on Thursday, XX/XX/2022 for an explanation, After waiting for XXXX minutes for a rep, she finally answered, she barely spoke English, could hear me well enough to take my information and complaint, then she stated the call was " breaking up '' and she couldn't hear me and hung up.on me. So I immediately called back and chose the text message option, rep was named XXXX. He stated the account was closed due to inactivity, although I reminded him there had been 3 transactions in the past year, he stated once the account was closed, it could not be reinstated. Said " apologies '' End of conversation.
08/26/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 322XX	Web
I received an application order from Fortiva credit card when I read the terms I realized. They were excessive fees that although tempting by the amount they would approve of credit, the fees were excessive and take advantage of an average consumer trying to keep their heads above water. They should be stopped from take advantage of the consumers and make the fees more affordable to help, not hurt the average consumer. They are seriously taking full advantage and although I saw through it, most people won't understand until they are indebted to this company. Their terms of service allow them to change their rates at any time and the consumer can not opt out if they carry a balance... they are held XXXX to whatever the company wants to do and has to pay according to the changes if they are currently holding a balance. They are wrong and should be made to Lowe, eliminate and adjust their terms to ones that are fairer to the consumer.
10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OR 972XX	Web
I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AZ 851XX	Web
Someone else opened up account with Asipre credit card in my name without my permission. I wasn't aware of it until I received the bill. I contacted the card company and made them aware. They questioned my about everything. I found out threw them that the account had a different phone number and email attached to the account and I was unable to get any other information about the account. I couldn't even find out what was purchased and from where is was. So this went on for six months. Until it was put into collections. The card company took my information and used it against me. When I wasn't able to access the account and I also requested proof of purchases from the charges that I have attached to my name. I contacted the credit report agency to dispute the charges and I am still trying to find out why I am responsible for this account. Can you please help me in this situation on finding out what is happening to me.
10/11/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NE 68107	Web
Selected Concern : TI Detailed Comments : You put a charge on my account for XXXX. I didn't go to XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX. This is the third time I have tried to contact you. Please respond. I have sent the required forms. They forwarded to XXXX XXXX and are blaming them for charged. Contact had been made XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022. This is the same response over and over and I am still being forced to pay for services I never had. Dear XXXX XXXX, This email is in response to your recent inquiry. Our records indicate that we received your claim form and are awaiting a response from XXXX XXXX. Please contact our disputes department directly at XXXX for further assistance. Thank you for contacting Fortiva Customer Service. XXXX XXXX XXXX \| XXXX, GA XXXX \| XXXX \| XXXX -- -- -Original Message -- -- - From : XXXX Sent : XX/XX/2022 XXXX PM To : XXXX Subject : Customer Contact Request
06/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	AL 35010	Web	Servicemember
I've been attempting to get a replacement card from fortiva credit card for months now. I now have to reach out to you guys because fortiva credit card company has been screwing me around with a replacement card for months. I believe it all started back in XXXX maybe XXXX and I had reached out here and there in attempts to get my card replaced I'm very upset I am a XXXX vet who served in the XXXX XXXX I'm diagnosed with XXXX and XXXX XXXX syndrome. The last thing I wanted as a small business owner is to be ignored by my credit card company where we have a contract for services. It is now come to a point where I have to involve the CFPB to get to comply with the original contract. I have made attempts to resolve this with them in the past but the only documentation I have is on the XXXX of XX/XX/XXXX of XXXX. In between those dates I had also made two phone calls, unfortunately I do not recall those dates. Thank you
03/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 60473	Web
XXXX, I financed the purchase of a couch financed through Fortiva from XXXX XXXX XXXX furniture for almost {$1400.00}. The couch wasn't delivered to me until XXXX. Upon receipt of the couch, it was the wrong couch. The customer service department told me to keep the couch and they would arrange an exchange. XXXX 's brought the wrong couch to me 5 times between XXXX and XXXX. However I kept making monthly payments on the couch. In XXXX, XXXX XXXX came took the couch because they didn't have the color I ordered in stock. I attempted to get the money back from Fortiva that I paid on the couch for a total of {$1600.00} but they would only give me a credit. In XXXX, I used the credit of {$1600.00} to purchase another couch that was {$1800.00}. I am more than willing to pay the difference but Fortiva is stating that I owe {$2000.00} and I don't. I have tried to resolve this matter several times with Fortiva to no avail.
04/19/2023	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	NY 10462	Web
My minimum payment for my Fortiva Retail Credit Card is {$63.00} a month. However every time I go to pay my bill my monthly statement is saying my minimum payment is {$110.00} a month. After filing two complaints against Fortiva with the CFPB my minimum monthly payment was reduced to {$63.00}. I was told this back in XX/XX/XXXX by XXXX XXXX a representative from Fortiva Corporate Office.My minimum monthly payment was reduced because I can not/could not pay the prior minimum payment of {$120.00} a month for my furniture purchase from XXXX 's XXXX XXXX which I purchased in XX/XX/XXXX. I was duped into opening a Fortiva Retail Credit Card account by a Sales Representative in XXXXXXXX XXXX XXXX XXXX.Since my minimum payment was reduced in XX/XX/XXXX every time I go to pay my monthly minimum payment to Fortiva my statement is saying a {$110.00} is due. This is not correct my monthly minimum payment is {$63.00} a month.
12/03/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	FL 34746	Web
I reached out to Aspire about a hardship I am currently dealing with. I received a correspondence on XX/XX/XXXX that I was enrolled into a special payment program that will reduced my monthly payments to XXXX a month. I was told that I was enrolled and I havent used my credit card since the hardship. I received a notification from XXXX XXXX that my card was removed I reached out to aspire XXXX and I spoke to an agent and the agent told me that I am not enrolled. But an agent I spoke to last week told me I was enrolled. I should be enrolled into this program. I am being told different answers I am on a fixed income barely making it. I reached out again it is saying that the account is past due and in order to be in the program I need to make that payment I was not told that previously I responded to the correspondence on XX/XX/XXXX. And I agreed with the outcome and now your agents are giving me mixed answers
07/03/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 32159	Web	Older American
Fortiva Credit Card is charging too much in fees. I pay my bill in a timely fashion ; however, the over limit fees and the short grace period to pay the bills is unreasonable. I advise them that due to the pandemic everyone is experiencing some difficulties, my health insurance has increase by {$230.00} and I told them I have no problem in paying the bill but to charge O/L fee due to the account being a few dollars over due to the high interest rate anyway - which is why you incur the fee. I need them to waive the O/L and late fee. I asked to have the O/L fee waive and not to charge such rate during these critical times. They want to pressure you into having automatic payment which I am not going to agree to - as if you have an emergency these companies will still snatch your money anyway. I advised them of the fee on, apx, XX/XX/2020 and I had other previous conversation with them about their fees.
02/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	FL 33142	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with my account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing my credit report again on XX/XX/XXXX There have been no updates and account is still reflecting on the report. I do not believe the account continues to negatively affect me. Please strike and remove this account from 3 Credit Bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
11/08/2019	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	UT 84120	Web
Phone representative gave me misleading/wrong information about when I could pay my bill once my promotional rate expired in XXXX. I was advised that it would have until my next due date XX/XX/19 to pay off my balance before accruing interest since the promotion expired after my XXXX 's due date. I see my bill today when I was getting ready to pay my balance off, interest charges. I called 5 times today for almost two hours on the phone with them and no one wanted to waive those interest charges due to wrong information provided by them. I just paid off my promotional rate balance today. They also processed a debit card payment today XX/XX/19 without my consent. Another poor business practices. They have no notes on my account so I the consumer pay the consequences. All I wanted is my interest charges waived since I paid off my balance but no one helped me. I closed my card today poor customer service.
09/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IL 603XX	Web
Hi there my name is XXXX XXXX XXXX made a credit card payment of {$50.00} a couple of days ago. My payment date is XX/XX/2020. A few minutes ago I logged in to make another {$25.00} payment. It won't let me make another payment until XX/XX/XXXX. The two screenshots show the bank says my payment is due on XX/XX/XXXX but the next available payment date is XX/XX/2020 I am complaining about this because I am also having an issue with my ATM card at XXXX XXXX XXXX. It's an entirely new complaint completely separate. I had just complimented fortiva for surprising me with a credit increase before I made my monthly payment. If I can't get to the bank to get cash I can't put gas in my car and I can't work. It was very helpful. Unfortunately I am uncomfortable and needed to make another {$25.00} payment for security I have no idea when I'm going to be able to correct XXXX XXXX XXXX The bank 's name is fortiva.
02/04/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MN 55411	Web
Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX/ XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( XXXX ) 2011 So would like to file a Dispute Please!!!
01/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	OH 43055	Web
Fortiva credit card/ was called back in XXXX of 2021, regarding the account being closed and consumer explain the reason for the request to close account, I asked for a close out letter explaining my options and amount owed, instead the account was still open to allowing the Fortiva to access the auto payment system of {$55.00} withdrawal from my checking account with XXXX XXXX XXXX this went unnoticed for several months, until I called customer service regarding the auto payments, and the maintenance fees attached to this account each month.. again I requested the stop payment on the account and the maintenance fees, I left several emails to the customer service/ disputing the charges... I specifically asked in my correspondence that I wasn't happy or satisfied with the services provided, this account was in good standing prior years, now its in default with a negative impact on my credit report..
10/21/2023	Yes	Credit card Store credit card	Fees or interest Unexpected increase in interest rate	CT 064XX	Web
I got an email today stating that Fortiva, the company that holds XXXX XXXX " XXXX XXXX '' credit cards, is going up on my APR from 25 to 35 percent in four days. I've held this account for at least four years, pay diligently, and use it sparingly since my initial APR was ~25 percent. When I called customer service tonight I was transferred to " XXXX '' in the XXXX call center. Operator id XXXX ( last digit is a XXXX ). She stated this was not penalty pricing for missing one payment last month and they actually refunded me my late fee. She said that EVERYONE that has the card is getting this rate increase across all markets in the United States and it based on the prime rate. I believe this is a violation of the Fair Credit and Reporting Act and is arbitrary and capricious. I am requesting an investigation of XXXX XXXX XXXX XXXX Fortiva, based on the premise of PREDATORY lending practices.
05/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NJ 071XX	Web
On XX/XX/2023, I contacted Aspire, a credit card company, regarding an incentive program that was advertised to me. The program offered a {$25.00} credit to enroll in autopay. Upon enrolling the credit did not appear on my account prompting me to reach out to customer service. After reaching out to customer service, the representative ( XXXX ) informed me that my account had been closed due to " inactivity '' on XX/XX/2023. I then informed the representative that I had received NO alerts, letters, or details regarding the closure and was unsure how that was possible as ( seen on my statements ) I had just paid off the entire card and used the entire line of credit at the end of XXXX and beginning of XXXX. I relayed this information, however the representative replied my account was permanently closed. This closure is clearly a false closure that will affect my credit score. I am seeking help.
03/03/2017	Yes	Credit card	Other fee	LA 712XX	Web
In XXXX of XXXX I received a pre-approved credit card from Salute credit company. I did not have credit and figure this would help build it. I used the card and withing a few months they closed the account. I paid on time and never went over my balance. It is now XXXX and I am still paying on it. I have paid almost XXXX what I owe. This card is a scam. My balance is not changing now. I believe they are charging me ridiculous fees that is causing my balance to stay they same but online I can not see these fees. They hide them from me. I can not even view my statements online. I have tried multiple times to contact the company but they have no phone number. I can only email them, which they never reply back. I do not want to pay on this card anymore but if I do not it will go on my credit. I need help contacting the company and getting the remaining balance canceled. I believe I owe them no more.
01/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	MI 492XX	Web
I opened a credit card with Aspire around XXXX XXXX XXXX I was granted a {$500.00} credit limit. I was told my card would be sent to me in 7-10 business days. The days came and went I called on multiple occasions and did the online chat saying I never received it and they said they would request a new one. I was then charged a {$90.00} annual fee on the card with a payment due of {$25.00} on XXXX XXXX I was forced to add a checking account at sign up to make the payments for. I still hadnt received my card when the day of the first payment came out. I called and said I shouldnt be making payments if I havent had any access to the account at all. The lady on the phone agreed and said she would issue a refund by check for the {$25.00} and also try and get my card expedited. She said it would take 14 days for the check to come by mail, it is now XX/XX/XXXX and I have yet to see either of the two.
05/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 10460	Web
Paid off card in full so it would be available for XXXX but misplaced card in my house so I asked for a new one. Couple weeks later a got a message asking if I was trying to use my card for a {$1200.00} purchase. I immediately replied No and was told to call Fraud department, which I did. I was told that my new card was activated and used. I asked how that was possible if it wasnt me. They repeated a # that I dont know and is not my phone #. They cancelled card and told me to fill out paperwork and send back to them. I did as instructed and the charge was temporarily removed. I got a letter that said that dispute was not in my favor so once again I called to state my claim. They once again removed the the claim after sending in a written statement. Few weeks later I received the same results. I called investigators at this company and no one calls me back but they are still asking for payment
06/09/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	MI 482XX	Web
I was charged an annual fee on XX/XX/XXXX closing statement. According to credit card agreement I should have received a statement in XXXX with a massage ANNUAL FEE. To avoid paying it states PAYOFF BALANCE I didn't have a balance, And to send a written notice of termination with in 30 day. Once the FEE is charged it will not be refunded. So they will not remove it since XXXX they add late fees, plus returned payment fees because I did not authorize them with my bank. LAST STATEMENT I RECEIVED them them was in XX/XX/2021 ( That is when I paid off the balance, that statement didn't a massage ANNUAL FEE ). I should have received a statement 30 days prior to ANNUAL FEE being charged witch I didn't. I was never given a chance to terminate the account pre credit card agreement. Once this issue is addressed I need my credit reports adjusted accordingly removing all late payments witch they reported
05/07/2018	No	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	GA 30060	Web	Servicemember
I originally caught the fraudulent XXXX account in the amount of {$2000.00} on XX/XX/XXXXand immediately called XXXX to report that this account was opened fraudulently under my name. They sent me a Fraudulent Charge Affidavit in the mail which I returned to them via fax on XX/XX/XXXX. I also included my Federal Trade Commission Identity Theft Report. When I hadn't heard from them, I contacted XXXX again onXX/XX/XXXX. They claimed to have not received my fax, but when I asked them to look again, they found the FTC Identity Theft Report but had lost the Affidavit. They asked me to send it again via email and I did on that same day. I followed back up today, XX/XX/XXXXand was originally told that they did not receive my documents. When I challenged this, the person I spoke with told me that " oh yes, they have the documents, but it would take 60-90 days for the investigation to complete ''.
10/19/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	VA 23462	Web	Older American
Aspire Credit Card, Dispute Resolution, Trans Date Post Date Description of Transaction or Credit Amount XX/XX/20 XX/XX/20 XXXX XXXX XXXX XXXX/XXXX XXXX {$11.00} Payment Processing Reference Number : XXXX XXXX XXXX XXXX XX/XX/20 XX/XX/20 XXXX XXXX XXXX XXXX/XXXX XXXX {$74.00} XXXX TX XXXX Reference Number : XXXX Directly after seeing the credit card statement, I called the company to inform them that I did not make these two purchases. They immediately cancelled that card and sent a new one ( which is not activated ). They seemed to be helpful, and told me they were sending documents for me to complete and sign, The documents came later than it was dated, and I returned them shortly afterwards. I received a letter that claimed that the affidavit was not returned in a timely manner, and therefore hindered their investigation, making me responsible for payment of the transactions.
12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 190XX	Web
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
01/15/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
Starting From XX/XX/2020, this company named XXXX has been reporting to my credit with charge offs. I was a victim of identity theft around that same time. I filled the identity theft form, completed a police report, and submitted my information to all credit bureaus. The only credit bureau that continues to report this false account to my credit is XXXX. I have contacted this supposed company, I can never have access to the fraud department. I have sent letters showing the names do not match. It is not my account, they have sent payment statements of up to {$1000.00} transactions, which are places I have never been. I have called and sent two dispute letters to XXXX. I sent all documents that proves clearly this is not my account. But this company refuses to correct this misinformation, and the only credit bureau that is not corresponding is XXXX. At this point, I am being harassed.
06/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75051	Web
I disputed late payments with Fortiva on several occasions without any results from Fortiva for the 3 major credit reporting agencies. I called Fortiva on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Fortiva was unable to provide statements with late payment information and information was not available online as well. Only 2 statements were in their system and for me to review online which were not the statements needed. My concern is what information did Fortiva provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months Fortiva is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.
12/18/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	OH 447XX	Web
Aspire Mastercard has sent me multiple offers to apply for credit with them and to see if I prequalify, however despite the fact that I am extremely well qualified to take advantage of their products and services, have refused me credit and service multiple times. As evidence of my qualification and credit worthiness, I am able to provide credit scores, any and all information listed in conjunction with my personal credit profile, as well as emails and notifications sent by multiple credit reporting agencies which point out, compare, and praise my credit profile for having 1. ) a higher score than the majority of others with similar credit age and profile 2. ) a much lower use of available credit 3. ) a superior payment history, etc. I strongly feel that being denied credit by Aspire Mastercard is a perfect and obvious example of illegal and unscrupulous credit discrimination.
01/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94551	Web
I closed this account on XX/XX/2022. Once I closed the account I started getting charged account maintenance fees of {$12.00} per month. Its almost like a penalization for canceling and a way for the company to continue to get more money from consumers because they wont be spending any more money. Its ridiculous that credit card companies are allowed to do this. On top of this, since its a fee they are allowed to put this amount on top of the minimum payment amount. So my minimum payment amount has increased, making it hard for me to pay it monthly. Because of that, Ive been charged late fees for several months which also get added on top of my minimum payment. Making it even harder to pay my monthly minimum. I called Fortiva and they refused to reverse my late fees because I closed my account. This isnt a consumer friendly card and they want to milk the consumer anyway they can.
08/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 99216	Web
I found a delinquency on my credit report on Aspire Mastercard. I called in and they could not find my account. I then received a call on a delinquent amount on my account. I told the customer service agent that I tried calling in and they could not find my account. I explained I closed this card and my name changed. I have no way of using the card or account and closed it and then disputed the charges. They were to have someone call me back. No one called. I received another call. I then put in an online complaint ( e-mail attached ). I feel like I have been very clear on this. I closed the card, my name changed, I do not owe them any money, I have not made any purchases. Their response is very generic and they just say I can't get a new card. I do not want a new card. I need the charges researched. I think these may be fees from them not completing the closing of my account.
05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 333XX	Web
I was made aware of an attempt to pull my credit by an unknown source on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and intermediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with XXXX and XXXX. The account was listed as XXXX/Aspire and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with XXXX and XXXX to have the account removed. Within 24 hours XXXX notified me that the account was verified and would not be removed. I also contacted Aspire at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a report.
01/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94551	Web
I closed this account on XX/XX/. Once I closed the account I started getting charged account maintenance fees of {$12.00} per month. Its almost like a penalization for canceling and a way for the company to continue to get more money from consumers because they wont be spending any more money. Its ridiculous that credit card companies are allowed to do this. On top of this, since its a fee they are allowed to put this amount on top of the minimum payment amount. So my minimum payment amount has increased, making it hard for me to pay it monthly. Because of that, Ive been charged late fees for several months which also get added on top of my minimum payment. Making it even harder to pay my monthly minimum. I called Fortiva and they refused to reverse my late fees because I closed my account. This isnt a consumer friendly card and they want to milk the consumer anyway they can.
10/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	AR 722XX	Web
I was sent a pre-approval letter via mail from Fortiva Credit Card. I saw that it said pre-approval instead of pre-selected. The words should stand for themselves and what they mean. It should not be a grey matter for misunderstanding. I have been pre-approved and never been denied. This company is shady, because they should have told me that they was doing a credit check. I don't see were they said they will be doing a credit check. I don't live in the states that they specifically had disclosure on. So, what information applied to me. A credit check should not be need for pre-approval offers. XXXX XXXX just got hit for misleading with pre-approval lies. This effects a person credit score and a hard inquiry. They need to honor my offer and stop having grey matters on the card offers. Pre-approval should mean just that. Just call an activate and receive your card in the mail
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60615	Web
Fortiva, closed my credit card account three days after setting up a payment arrangement the closed account hit my account and lowered it by over 100 points on XX/XX/XXXX on XX/XX/XXXX the change started I attached the closed account reporting and when it was closed and the recently updated open account. If this account hits my credit again as closed it will surely lower it again this is unethical due to the nature of tactical measures to obtain Furnishing and Reporting Inaccurate Information knowing the account is closed showing as current when it rectified will decrease my score yet again I called and they verified the account was closed however still showing current XX/XX/XXXX was updated as open. FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA,
11/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	MI 49445	Web	Older American
I have been working with XXXX XXXX XXXX XXXX XXXX since XX/XX/2022 to pay my debts.I 'm on Social Security XXXX and ran into some problems financially, this XXXXXXXX XXXX has been receiving payments monthly since XXXX granted they are late I do not get paid until the XXXX monthly from Social Security. And the funds go through XXXX XXXX, then sent onto Fortiva. I contacted XXXXXXXX XXXX XXXX to ask for a date change for my payments so they aren't late anymore ( to stop their late fees and over the limit fees ) they refused. This account will never get caught up if they do not help with changing the payment dates, and refunding of late fees, and over limit fees, ( over limit fees that they created by changing me late payment charges ). I can NOT change my pay date it's straight across the board from the Government! They also refused to offer any hardship payment plan to me!
08/09/2021	No	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	FL 33823	Web	Older American
My original amount was {$640.00} - XX/XX/XXXX, my monthly payments was approximately {$43.00}. I made payment of {$50.00} for the month of XXXX, XXXX, and XX/XX/XXXX, on time. Then in XX/XX/XXXX, I missed the due date and paid 2 days later, and was charged {$29.00} late charge, and that month I paid {$43.00}. I've continued to pay {$50.00} XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, either before or on the due date. But because I was late paying in XX/XX/XXXX, they have charged me {$40.00} each month as being late, therefore, although I've paid {$300.00} since XXXX, my account remains the same, because they take {$40.00} of my payment as being late. I feel this is FRADULENT and they should be made to post my {$300.00} I've paid to my account, plus the {$29.00} late charge for XXXX. This is considered HIGH CLASS STEALING FROM THE CONSUMER. I WANT MY MONEY APPLIED TO MY ACCOUNT.
05/03/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44143	Web
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Fortiva. After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
11/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32092	Web	Older American
Emergecard.com appears to me to be a receiver, for collections purposes, of old/terminated accounts of XXXX XXXX XXXX XXXX XXXX ( XXXX ). They have a separate website at www.emergecard.com, which I have been using for years to make my monthly payment. My XXXX payment is due in 2 days ( XX/XX/XXXX ) and ahve been trying to make daily for more than a week, and their website has been down for every day for that period, disallowing logins, and leaving all its cardholders no option to make their regular monthly payment online. They took the website down with no notice to cardholders to give us the opportunity to mail payments so they would be received in time by their due date. The site " XXXX '' ( XXXX ) shows the status of their website as " XXXX '' which means it has either been put up for sale or is no longer able to be authenticated as owned by the listed/prior owner.
05/18/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76063	Web
I received a pre approval from a company, I filled out minimal information to see if I wanted to get the card, when I saw high APR and other fees, I decided I didnt want to go through with the card, I then hit exit and did not submit, they checked my credit even without my approval. I called the company, they were very ugly to me stating they did not check my credit and that I did not finish the process, I explained to them that I did not want the card and I did not submit for my credit to be checked, they were once again rude and told me they never checked my credit. I called XXXX who explained to me that there was a hard inquiry from this company, and said that I should contact your company for removal. This company is charging and price bending fees to very high costs before you get the card, and I explained that I did not want the card and I did not submit for it
08/14/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NY 11426	Web
I was approved for an Aspire credit card with a {$500.00} limit. Im trying to rebuild my credit and basically just got the card to use in emergency and increase my available credit. I paid {$99.00} annual fee the day I got the card. Card has a XXXX balance. I attempted to use the card today for the first time at instacart to order groceries. Card was declined several times. I completed purchase with my XXXX XXXX card and called customer service. I was told their system deemed instacart as unsafe and will not allow the purchase. I said so if im out and have car trouble and you don't like where im using the card for help I have to worry the card will be declined. She replied yes thats correct. I emailed them to cancel my account and I want the {$99.00} fee refunded. I havent even had the card 1 month. This company is predatory and uses people trying to build credit
11/12/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30114	Web
I emailed on Aspire Credit Card Company on XX/XX/2020 a Customer Statement of Disputed Items form. I explained that I returned a product on XX/XX/2020 via XXXX with a tracking receipt. As of XXXX XXXX, 2020, over 10 days had passed and the company still keeps giving me the run around regarding my refund. I have called Aspire Credit Card Company every XXXX days and each CSR never is able to inform me anything about my refund on my credit card. The purchase was for {$100.00} and I have not had this about available to me as available credit. I have continued to accrue interest on my monthly bills without the {$100.00} deducted. Today 's date is XXXX XXXX, 2020, and I have not received any communication from Aspire regarding my dispute. I was charged interest over the period when this amount was in my aspire balance and I would like my interest to be adjusted as well.
08/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	LA 70364	Web
i had a XXXX balance Fortiva credit card from wayfair. I received an alert from XXXX that my credit score had decreased XXXX points due to Fortiva closing my account. They then opened a Fortiva Retail Credit Mastercard under my name without my permission or signature. so i got hit on my credit with closing and opening a new account. Which was a decrease on all 3 bureaus for something that i did not do or even authorize. I contacted Fortiva as i did not give authorization for any of this and asked to see where i signed to do this. Their response to me was that they had emailed me on XX/XX/23 and i had an option to opt out until XXXX, because their was no response and i did not opt out ( BECAUSE I WAS NEVER EMAILED ) They closed one and opened another one. How is this legal th=at they can do this to someones credit? I have included our email correspondence below.
04/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA XXXXX	Web
I stopped paying my Aspire credit card due to the loss of wages resulting from the pandemic. I was starting to somewhat recover and decided to contact the credit card company and they agreed that they would lower my minimum due ( Orig. $ XXXX, after pandemic $ 235+ ) I was shocked that they were expecting me to pay that much considering the circumstances. I called and spoke with a gentleman who assured me that my minimum would go back to normal in 24 hours. I checked my account and nothing changed. I didn't think anything since I was told to be patient. I starting making payments - what I was able to which was $ XXXX. sometimes more. My minimum payment due keeps increasing and the fees keep piling up. Instead o my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me.
08/23/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30052	Web
This complaint is a continuation of the current open complaint XXXX. After filing complaint XXXX, Fortiva falsely reported to credit bureau that my account is over 30 days past due. This is a clear violation of the FCRA. I have only been contracted with Fortiva for 9 weeks. My first INCORRECT payment per original complaint was auto debited by Fortiva, from my bank account on XX/XX/23. My second payment due date was XX/XX/23. Fortiva falsely reported that my account is over 30 days late on XX/XX/23, causing a XXXX point score drop on my credit report. I spoke with Fortiva representative on XX/XX/23 at XXXX, she stated she could only note my account, she could not make changes. She stated that her call was to address missed payment due on XX/XX/23. I advised her that I would be filing suit against the company for reporting false information to the credit bureaus
08/17/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	MO 645XX	Web
This account was opened with out my authorization by XXXX. I purchased a security system from XXXX on XX/XX/XXXX under false pretenses. I canceled this service on XX/XX/XXXX not even 24hours after the purchase WHEN I was contacted by Fortiva 's fraud department to verify that I had authorized the line of credit with them in the amount of {$3000.00}. I told that representative that I had not authorized the line of credit and that I wanted it closed. I was never informed that anything was being financed. She stated that I would have to contact the merchant to have that done. The account was closed with XXXX on XX/XX/XXXX they removed their equipment on XX/XX/XXXX. On XX/XX/XXXX I got a notification that my credit score had dropped XXXX points with XXXX and XXXX points with XXXX due to the new line of credit with Fortiva. A line of credit that I NEVER authorized.
01/31/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90016	Web
I have filed a complaint with the Consumer Protection Bureau. However, nothing has been done. I have filed a complaint with the credit card company directly. I requested that the fraudulent charges to my account be removed. I requested statements dating back to when the account was initially opened. I asked that all the payments I have been to the account be accounted for. This company has ignored my complaints and just recently placed the account in a negative status that has been detrimental to my credit score. I have never used this credit card outside of XXXX XXXX XXXX and it has been over three years since I have used the card. I no longer have possession of it. I sent a certified letter to the credit card company but I have not received any of the statements I have requested. Now it appears that the account has been reported negative to my credit report
04/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MD 20745	Web	Servicemember
Fortiva Credit Card has assessed me over {$500.00} in late fees since XX/XX/XXXX to XX/XX/XXXX. The late fees are {$41.00} per month, although I have made payments on time. I have been late on two occasions, but NOT a week or more late. The majority ( if not all ) of the payments have been at the beginning of the month where the due date is the XXXX of each month. I'm being told if my payment is one day past the due date or early, I will get assessed a late fee. Fortiva Chat has said : XXXX XXXX I see that your statement is only generated on 2nd of every month. Since the payment was received before the statement date, it will only be considered as an additional payment and will be adjusted towards your account balance. This will not impact your minimum payment. XXXX XXXX I see that late fee of {$41.00} assessed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TN 382XX	Web	Servicemember
This is a new card, and I have learned that this is a predatory lender taking advantage of people. For four months now, the company has tacked on a credit protection fee for {$3.00} when I never requested it. The first month that I noticed it, I asked that it be stopped. It was not. This company also generates insane late fees of {$40.00} + when the payment was NOT technically late! My payment was made on the same day it was due, however they did not process the payment until after XXXX XXXX, considered it late and then doubled my payment for the next month! Then after doubling the payment since the full amount was not paid, they added yet another late fee on top of that! I am not the only person upset about this. There are several reviews stating how awful this company is. The overseas customer service reps are not helpful, are rude, and do not care.
04/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	GA 30052	Web
Fortiva opened a credit card in my name without my consent. The balance in my no interest Fortiva Retail account was transferred by Fortiva to an interest bearing credit card, negatively impacting my credit score. On XX/XX/, an alert posted to my credit monitoring app with a Risk Level of High. I contacted Fortiva on XXXX XXXX XXXX, at XXXX XXXX I was told by both a customer service representative and a supervisor that Fortiva sent me an email stating my Fortiva retail account would be transferred to a Fortiva Master Card unless I opted out by a certain date. I never received an email prior to Fortiva opening the credit card. Furthermore, I did not explicitly apply for or authorize a Fortiva Credit Card. The Fortiva supervisor informed me Fortiva was allowed to open a credit card in my name because I did not opt out in time. That's not how it works.
03/02/2023	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	WI 54313	Web
I opened a fortiva line of credit through a furniture retailer and paid off the balance within the terms of the special financing in XXXX and had XXXX correspondence from fortiva after. XX/XX/XXXX I received a letter stating I owed late fees. I immediately called, spoke with XXXX and stated I wanted the account closed immediately. My account was credited ( and have the XX/XX/XXXX statement to prove it ) and was told the account was closed. Never heard from fortiva again.until XX/XX/XXXX! Another letter arrived stating the exact same nonsense as the year prior. I returned the letter with a giant ACCOUNT CLOSED XXXX on it. This company is fraudulent and this needs to be resolved immediately. They also have the incorrect name on the account which just adds to their XXXX. According to them and that mistake, I legally dont have responsibility to the account.
05/05/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	GA 30045	Web	Servicemember
I am a XXXX credit card that declines my poaches whenever they feel like it I have reached out movies times to customer service Web and manager with no spin nation I should be able to use my card that I am paying interest in payments on without being declined and not given a reason for being declined this has been a huge inconvenience for me my family have never been late on any payments I am angered standings And I am not receiving the help or answers that I should be from a credit card company reached out to pre approved down to me Baby put an accurate information as well I pay the invoice before the due date and data summit that payment into after I believe that this is a way of XXXX gaining interest on purchases have been paid for already Credit card companies times and sensitive to the needs of the people only taking about the bottom line in the $
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33169	Web
Hard inquires XXXX. XX/XX/XXXX- XXXX XXXX XXXX - Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. XXXX. XX/XX/XXXX- XXXX XXXX XXXX - Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this. XXXX XXXX, XXXX XXXX XXXX XXXX - Im the victim of identity theft and I dont recognize this hard inquiry and I didn't authorize this hard inquiry. XXXX - XX/XX/XXXX - I DIDNT GIVE THIS COMPANY PERMISSON TO OBTAIN CREDIT RERPORT I HAVE NO KNOWLEDG OF THIS HARD INQUIRY. XXXX. XXXX XXXX - XXXX XXXX, XXXX Im the victim of identity theft and I dont recognize this hard inquiry. I didn't authorize this or have a credit card by this company.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30083	Web
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account XXXX # XXXX
11/02/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	FL 337XX	Web
They closed my account on XXXX. But keep reporting it open to XXXX. I requested the account be closed on XX/XX/2023. They closed the card and sent me a confirmation email that it was closed. I had no late payments at the time. Its fixed on all the other credit bureaus. But it keeps being reported open on my XXXX report. It is now almost 90 days and I have disputed it several times with aspire customer service as well as XXXX. XXXX keeps saying that a spire says its opened. When I call and speak to a spire customer service, they verify that it was closed on XX/XX/XXXX and keep giving me the runaround and saying oh it will be updated within 30 days. Will it be in three months now and now I have a late payment reported and this falsely reporting an accurate information is damaging my credit severely and his violating the fair credit reporting act.
12/15/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93551	Web
DATED XX/XX/2019 XXXX/FORTIVA XXXX XXXX XXXX XXXX XXXX XXXX I WANT MY CREDIT SCORE TO REFLECT THAT I DO NO OWE OR WAS EVER LATE ON ANY ACCOUNT WITH FORTIVA. I WANT A REFUND OF MY XXXX AND FOR FORTIVA TO STOP, REPORT FALSE INFORMATION TO THE CREDIT BUREAU. I WANT FORTIVA TO STOP REPORT FALSE INFORMATION ABOUT LATE PAYMENTS. I DO NOT HAVE ANY ACCOUNT WITH FORTIVA, THE ACCOUNT WAS CLOSED ONXX/XX/2019 I WOULD GREATLY APPRECIATE FORTIVA TO IMMEDIATELY DISCONTINUE REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS. AGAIN I DO NOT HAVE ANY ACCOUNT WITH FORTIVA. AGAIN I AM REQUESTING YOU DISCONTINUE TO REPORT FALSE INFORMATION TO THE CREDIT BUREAUS IMMEDIATELY AND INFORMED THEM THAT THOSE 2 MONTHS THAT THEY FRAUDULENTLY REPORTED AS LATE ON MY CREDIT WAS FALSE, THAT THEY BE REMOVE IMMEDIATELY AND HAVE MY CREDIT SCORES RESTORED. XXXX XXXX
11/22/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33028	Web	Servicemember
On or around XX/XX/XXXX, I learned XXXX/XXXX has been reporting inaccurate information to the credit bureaus about me. I filed an identity fraud dispute with the bureaus. The bureaus sent notice to XXXX requesting XXXX to show the debt belongs to me and that it is valid. XXXX could not produce such evidence. Instead, XXXX doubled down on its false reporting by claiming, without any evidence whatsoever that I made payments to XXXX on the debt in XXXX and XXXX, and that I became delinquent in XXXX. I have never made any payments to XXXX since ( 1 ) the account is fraudulent and ( 2 ) I knew nothing about the existence of the the account until XXXX of this year. I am certain that others have filed complaints about XXXX deceiving business practice and refusal to comply with federal law relating to reporting false information and identity theft.
06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 65802	Web
Fortiva allowed an installment loan to be opened in my name, and they REFUSE to stop reporting it, even after law enforcement and the FTC have helped me file identity theft reports, and send cease and desist letters. They are illegally trying to collect on a fraudulent account, opened by someone who stole my identity. XXXX XXXX XXXX allowed someone to obtain an auto loan in my name, and refuse to stop reporting it, after cease and desist, law enforcement instruction, FTC instruction, and proof that the loan was fraudulently opened. XXXX and XXXX also refuse to remove these accounts from my credit reports, even though I have followed all instructions to prove that they were fraudulent and a result of identity theft. All companies on this report are breaking consumer credit laws in regards to reporting fraudulent accounts on my credit files.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VI XXXXX	Web	Servicemember
I am writing to file a formal complaint concerning an inaccurate late payment that is erroneously reported on my credit report. I wish to emphasize that I have never been late on this payment, and the inclusion of this late payment on my credit report is a significant error that is adversely impacting my creditworthiness. Account Information : Creditor Name : FORTIVA ] Credit Report Bureau : [ XXXX XXXX XXXX XXXX XXXX [ XX/XX/2022 ] Description of the Issue : Upon a thorough review of my credit report, I discovered a glaring error : a late payment is reported for the account mentioned above. I wish to clarify that I have consistently made timely payments on this account, and there has never been any occasion when I was late on a payment. This erroneous late payment notation has unfairly diminished my credit score and financial standing.
12/16/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 337XX	Web
Aspire Credit Card solicits as a credit card to help people with poor credit build their credit. But, their bills are consistently misleading. The amount reflected on your bill is frequently in conflict with what the chat representative conveys when asked to explain the bill. If you pay your bill early it is reflected as an additional payment within the same month, yet their system does not advise you of a prior payment received at time of payment. The available credit on the bill is misleading. I became over the limit because of it. The over the limit amount math did not add up and could not be explained. It appeared there was a over the limit fee and additional fees mysteriously included in the calculation of the over the limit amount reflected on the bill. It is the most confusing card billing system, I have ever tried to keep up with.
01/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NE 68116	Web
I reached out to Fortiva ( XXXX XXXX XXXX, XXXX, GA Phone : XXXX ) in XXXX of XXXX because there was an inquiry on my credit report. The person I spoke to said there was an inquiry made, a card was offered but was not accepted. I explained I have never heard of them, was not interested in a credit card and this was fraudulent. The customer service rep said that everything was " deleted '' and that it should come off my credit report. I then on XX/XX/XXXX filed another dispute which came back as " inquiry is a factual record of file ''. On XX/XX/XXXX I called the fraud department at Fortiva and spoke to " XXXX '' who said the same thing, put me on hold and then came back and said we refuse to do anything about it. I want my report clean of this fraudulent company and ask that they be sanctioned for not following Fair Credit guidelines.
07/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60185	Web
I made a payment to Fortiva services 1day too early for {$270.00} on XXXX/XXXX/16 which I was finally told was in the previous months statement cycle. If I had made the payment on XXXX/XXXX/16 all would have been fine but there was no warning message on Fortivas website where I always make the electronic payments. My issue is at the time I was not aware of the statement cycle cutoff dates but Fortiva refuses to adjust the early payment to the next day which would 've made my account current. I had to pay them an additional {$110.00} rounded out to {$110.00} as suggested by the representative to bring my account " current ". My complaint is this is a trap laid by this lender if you are not aware of the statement cycle dates. My regular payment is {$190.00} but I pay extra every month paying {$270.00} to reduce the loan term and interest.
11/04/2023	Yes	Debt collection Telecommunications debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 34746	Web
I have a credit card with aspire XXXX since XX/XX/2023. I have not missed a payment up until now. I was out of work due to a family emergency I came back last week. I am on a fixed income and I am barely making it. Yesterday XXXX I received emails from aspire about a past due balance of {$56.00}. Then today XXXX I received a phone call from XXXX ( XXXX ) XXXX. I answered thinking it was someone else. And it was an agent from aspire XXXX. She explained there was a past due balance and she had seen that a payment was scheduled on XXXX. And then she proceeds to ask me is there a reason why you missed that payment. It is clearly none of her business. I am on a hardship and short on income due to me being out of work and I need time to get back on my feet. I would like the calls to cease and desist until I get more income to get caught up
08/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06082	Web	Servicemember
I disputed this information early XXXX XXXX XXXX XXXX and with FoORTIVA. XXXX XXXX never responded. Forgive responded stating this debt was no longer theirs. I responded with a debt validation and verification letter due to the fact I do not owe this debt and do nit have this account. Upon my credit report the information listed is very inaccurate, inconsistent, incomplete, not true and not whole. They are not filling the laws if FCRA or FDCPA nor is this compliant with metro 2 style formatting. This is account does not belong to me and they did not provide me with sufficient information proving so. This is also very inconsistent by looking at the 3b report. They are doing what they want and violating my rights. They have consistently and continuously lied and reported false inaccurate information please remove from my report ASAP
05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20001	Web
I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service . As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven. I request that you investigate this I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report.
04/08/2022	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	MI 48239	Web
My current balance is {$3700.00} ( credit limit of {$5000.00} ) with a minimum payment of {$300.00}. Their current Cardholder Agreement states " The minimum payment due each month will be an amount equal to 5.91 % of your highest outstanding new balance since your account was open or since your new balance was zero plus the greater of ( a ) any past due amount or ( b ) any amount by which your new balance exceeds your credit limit '' On the phone is was expressed to me that my minimum payment was based off an old balance of {$5000.00}. My balance exceeded my credit limit months ago and this no longer a NEW BALANCE. Their policy explicitly states a " NEW BALANCE '' is used in whatever the case. My minimum payment should be {$210.00} based off my " NEW balance '' since my account was open. This is a form of predatory lending.
09/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92127	Web
I recently sent a request to all three Bureaus - XXXX, XXXX and XXXX reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 1. The status is incorrect for the following account XXXX/FORTIVA Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 2. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and delete from my credit report.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28546	Web	Servicemember
I opened an account with XXXX in XX/XX/XXXX and financed their equipment through Fortiva Credit on XX/XX/XXXX for approximately {$3000.00}. I made monthly payments for two months, then paid my full account balance off XX/XX/XXXX ( this is also reflected on my credit report ). However, I was trying to get a payoff confirmation from the company so I could cancel my XXXX service in XX/XX/XXXX and was told my entire account and history had been purged from their system, so they have no record of me ever having an account. I can not close my XXXX services account until Fortiva confirms my credit account has been paid in full, but Fortiva claims there is no record of my having an account, even though it shows on my credit report. Is completely deleting these records upon payoff legal? This also seems like a tax evasion scheme.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28546	Web	Servicemember
I opened an account with XXXX in XX/XX/XXXX and financed their equipment through Fortiva Credit on XX/XX/XXXX for approximately {$3000.00}. I made monthly payments for two months, then paid my full account balance off XX/XX/XXXX ( this is also reflected on my credit report ). However, I was trying to get a payoff confirmation from the company so I could cancel my XXXX service in XX/XX/XXXX and was told my entire account and history had been purged from their system, so they have no record of me ever having an account. I can not close my XXXX services account until Fortiva confirms my credit account has been paid in full, but Fortiva claims there is no record of my having an account, even though it shows on my credit report. Is completely deleting these records upon payoff legal? This also seems like a tax evasion scheme.
01/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94015	Web	Older American
Good day. I have an account with Aspire Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made a payment to my credit card on my due date, they said I have to make my payment before some eastern time, I told them that I lived in XXXX, I don't live on the east coast , I was charged {$41.00} for late payment fee, I Close my account but I'm still making payment on time, I'm getting charged for account maintenance fee {$12.00} a month even without using my account. my payment due date is the XXXX of the month, on XX/XX/2022 I made a payment for {$63.00} on XX/XX/XXXX, I was charge {$41.00} for late payment fee, the last 4 digits of my account are XXXX I tried several times to talk with costumer service, they keep telling me I was late, making my payment, but I was not late, I made my payment on my due date,
09/03/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	DC 20003	Web
About a year ago, we signed up for a XXXX security system, which came with a {$2000.00} interest free " retail credit '' to pay off the equipment over time. The retail credit was covered by Fortiva. We were notified last week that we would be receiving a Fortiva Credit Card. When the card came in the mail, I called to let them know I didn't want the card. I was told by the representative that I HAD to accept the card and that the balance of our security system equipment would be transferred to the credit card and would accrue interest at a rate of 25.99 %. This isn't what we signed up for, and is extremely predatory. I was able to pay off the lump sum of the balance ( {$1500.00} ) and close the account, but had I not been able to, we would have been responsible to pay significantly more than we signed up to pay.
06/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21136	Web
I am a victim of identity theft. Someone has been getting credit in my name with very little information about me and have been able to get approvals due to my excellent credit rating. As a result, my information is also getting mixed up with someone else 's information. The companies are as follows : FortivaXXXX. Amount owed : {$0.00} US Dept of ED. {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$92.00} XXXX XXXX {$120.00} Inquiries : XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	SC 296XX	Web
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. The company sent me a " Notice of Right to Cure '' that only stated the alleged amount they claim that I owe. I then sent a second letter via certified mail to the company requesting that the company cease harassment, and the reporting of unverified, invalidated inaccuracies. The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. Most recently, the company also reported to the credit bureaus that my account has been closed at my request, which is completely false. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
06/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NY 109XX	Web
I do not have dates because they are not showing up on anything the Credit card company has given me but I got an ASPIRE Mastercard and its not accepted most places that Mastercards are accepted. This has been going on since I got the card, I called todayNd they said I had a {$7.00} available credit when there automated service and app says I have {$140.00}, they told me I must be buying it from insecure places but unless every shop in XXXX County is unsecured I thing the security issue is more likely on their end. They are charging me fees for a card I can barely use. This has been happening since I first got the card and knew it had to the full amount approved by the credit card company available. I hope you will look into their practices because I have never had issues like this before with any credit card
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	VA 22980	Web
In early XX/XX/XXXX, Fortiva misreported my account to credit bureaus! To this day, XX/XX/XXXX, Fortiva has not reported my correct card number to both XXXX and XXXX! I have contacted Fortiva a myriad of times and their response has always been please wait XXXX to XXXX days for an updated report! However, this has been going on for XXXX months!! During the last contact, I spoke to a supervisor and requested that I speak to the department that does the reporting! She told me that they could not be contacted by phone ( nonsense ) but she would send them a note! This was a couple of weeks ago! Please help me with this as it has an impact on my credit score! I had trouble with Fortiva years ago when they would not repay me for fraudulent charges! You helped to resolve that issue and I need your help again!
01/28/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	SC 29445	Web
I've reached out to Fortiva on numerous occasions, including by email, phone, and direct messaging/chatting from their webpage in regards to the account protection services that I've been paying for monthly for many years. This service is supposed to provide payment coverage during loss of employment. The company has refused to apply the service I've been paying for that they are still charging me for and has continued to try to draft money from bank account causing several overdraft fees. They also incorrectly reported late payments to the credit bureau because I was unable to verify the incorrect social security they put on my file. They are continuously calling my phone and will not allow me to utilize the services I've been paying for, charging me an outrageous amount of interest and late fees.
10/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	AZ 85138	Web
I have an Account with Aspire credit card issued by XXXX XXXX XXXX I closed my Account a year ago in XX/XX/2021. I have continued to make payments. They continue to charge maintenance fee of XXXX a month and also was charge another annual fee. Of XXXX. They keep bringing up the balance which makes it impossible to pay it off. This is and should be illegal. I have been making my payments on time and they refuse to remove the fee. In the first agreement upon receiving this card I said that fees would be waived if card was canceled within 30 days of statement closing which I did. I called the first time to have the fee waived and they never did. Now after a year of closing the account they haved charge another annual fee. This company has been fraudulent from the beginning and needs to be investicated.
12/13/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92113	Web
I noticed there were XXXX charges at {$5.00} for XXXX XXXX when I logged in pay a bill. I contacted Aspire card services on XX/XX/2021 to report this as fraud. They told me this would be investigated and sent me a new card. However, in the subsequent weeks, I have noticed that the charges were never removed and I never received any notification of their investigation. I contacted them several times to find out the status ( on dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. Finally today, XX/XX/2021 they send me a form saying I have XXXX days to complete it. Within the form they sent is a section where I am to contact XXXX ( however you do that ) and basically investigate the issue myself. I have NEVER had a credit card company operate this way when I customer is notifying them of fraudulent activity.
02/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 900XX	Web
Upon reviewing my finances I checked my annual credit report and to my surprise I found an error on my file. I paid XXXX credit card wherein they failed to process my payment in a timely manner causing me a 30-day late payment. I even inquired with a customer service rep by the name XXXX agent ID XXXX, to see if I could be helped in making automatic payments and he said that he could not help me and proceeded to transfer me to a different department. Every time I called I would get transferred and their line continued hanging up. It's very hard for me to work with this company when they have their system does not work properly. I've always made on-time payments and I overwhelmed now and don't know what to do. I'm now contact the CFPB to help me correct this issue as it's causing me financial strain.
12/14/2023	Yes	Credit card Store credit card	Fees or interest Unexpected increase in interest rate	MA 02145	Web	Older American
I received credit from Fortiva Credit Card to buy a couch at XXXXXXXX XXXX XXXX store. There was a deal for no interest if you paid it off in the one year period. The last payment was due on XX/XX/2023, however when I paid the balance left of {$100.00} they said that to have no interest I should've paid it by XX/XX/2023. After I paid, on the due date, the final payment I got a bill for {$310.00} in interest. They said I was late with the final payment so I didn't fulfill the no interest deal. I really believe they set the last payment date to purposely have me miss the interest free deal. I rely on my SSDI income, I purposely took strong efforts to pay it off on time with no interest, now they say if I don't pay the interest it will go to collections. I don't know how this is right, legal, or fair.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
XXXX and XXXX report incites information on my credit report. Those companies are reporting accounts that are fraud and not mine or are reporting inaccurate accounts that have been paid and closed as still open with outstanding payments and balances. They ignore or deny my disputes each time i request for fir them ro correct the inaccurate accounts. They ignored my request to freeze my credit report and put fraud alert and protection. Also their credit score reports are inaccurate or non existent nor consistent. This occurred from XX/XX/2019 to present. I have not received a credit report or score update from either credit consumer company. My identity was stolen and my information on the credit reports and accounts have been compromised. I can not access my online accounts at all. XXXX daye breach
08/31/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IL 60613	Web
Good afternoon, I'm submitting this complaint againstmatch.com for the unauthorized charge to my credit card ending in XXXX. I ended my monthly subscription with XXXX on Friday XX/XX/XXXX and I've received notification that a NEW monthly charge of {$52.00} was just processed WITHOUT MY CONSENT Again, my subscription was cancelled on XX/XX/XXXX The last day of my subscription was XX/XX/XXXX My subscription cancellation confirmation number is - XXXX There are screenshots attached to this complaint My credit card company ( Fortiva ) has informed me that it would be a 90 day resolution process and I have been unable to get anyone on the phone or in an e-mail conversation at XXXX. Your assistance with this is most appreciated! I'm available to discuss anytime - XXXX. XXXX. XXXX THANK you! XXXX XXXX
04/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30349	Web
The Company Fortiva Retail Credit is currently charging me amount that is not owed to them. I had a purchase with a company by the name of XXXX XXXX XXXX in XXXX. Ga. The purchase and financed. amount was {$2400.00}. I have paid this Company over {$2800.00} as of today and they still asking for another {$1000.00} more. I have disputed this balance with an attorney. This company refuse to provide the law firm copies of statements from XXXX of XXXX XXXX XXXX that are missing on their web site. The only way we can get the copies I have to pay for them, and I refuse to pay for something they required by law to provide. They also refuse to provide documents I signed that I will be financing a purchase of {$3500.00}. This company has also removed majority of my payment information as and can't review
06/10/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	IN 46256	Web
A company by the name of Fortiva calls my place of employment, everyday, several times a day. My supervisor became VERY upset with me b/c I was receiving the calls at work. She told them herself to please stop calling b/c it was disruptive to the school 's daily routine. She even called them back on a day I wasn't working to tell them to stop calling the school ( the school is the XXXX XXXX College and the XXXX XXXX XXXX ). I have been suspended from my job and was asked to please correct the problem before returning as well. I was informed that they called again after being told not to, just now, XX/XX/10 at XXXX XXXX. My supervisor just informed me of the call and the time. She asked them to please note AGAIN that they were not to call the number but I am not sure what else to do at this point.
08/14/2023	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Problem lowering your monthly payments	CT 06492	Web
On XX/XX/14 I contacted Fortiva Retail Credit XXXX 2 times and spoke to 2 representatives. I was looking to get information on financial hardship for COVID related reasons. I am currently up to date on my account and was looking to get ahead of being behind. Both representatives explained there were no options and provided 3 numbers to 3rd party credit counselors, when you call there are promotions and fees. I did ask one of the Fortiva Representatives if I could close my account and make low monthly payments, she closed my account and said I had no options on the payments. I then tried to text a representative through the Fortiva website and texted a XXXX who also provided the same numbers and when asked about late fees and interest said I would still accrue both even if the account is closed.
10/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30114	Web
I emailed on Aspire Credit Card Company on XX/XX/2020 a Customer Statement of Disputed Items form. I explained that I returned a product on XX/XX/2020 via XXXX with a tracking receipt. As of XX/XX/2020, over 10 days had passed and the company still keeps giving me the run around regarding my refund. I have called Aspire Credit Card Company every twenty days and each CSR never is able to inform me anything about my refund on my credit card. The purchase was for {$100.00} and I have not had this about available to me as available credit. I have continued to accrue interest on my monthly bills without the {$100.00} deducted. Today 's date is XX/XX/2020 It has now been over 90 days since I sent in my dispute to Aspire and I have not received any communication from this Company regarding my dispute.
07/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19120	Web
I paid the account off via the third party collect dept XXXX XXXX XXXX with XXXX as of XX/XX/2018 when the payment processed of XXXX the remaining balance of the settlement offer of XXXX. I requested a letter stating it was paid and XXXX balance finally received that from XXXX XXXX after a month. Disputed amount due with credit bureaus to get the XXXX balance reflected but XXXX is stating I still owe XXXX and that their collection company has not sent them any information that the debt is paid and I have emailed the letter twice and been calling to speak with a manager to get this updated for the last 3 weeks with no avail. I feel like they are trying to scam me by offering something lower I pay that but they wont update my report until I pay the rest, that seems like fraud. A bait and switch.
02/27/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 334XX	Web
Fortiva a creditor has failed to correct inaccurate information in the remarks on the XXXX and XXXX credit report. It has been a merry go round with letters stating on Fortiva behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.
09/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TN 371XX	Web
On XX/XX/XXXX I was noticed a fraudulent charge on my credit card and immediately notified the credit card company, Fortiva. They stated they would be investigating it and to not worry about it and that they would be sending me an affidavit within 10 days. 12 days later I noticed I had not received the affidavit and called several times to get this affidavit. on day 16 I finally received this affidavit that was dated XX/XX/XXXX and the attached letter stated " return it to us within 14 days of the dated of this letter. '' I have continuously called about this matter to the number provided, XXXX, and can not contact anyone regarding the matter. I also contacted the XXXX XXXX store that the charge supposedly originated from and they stated they had no record of this transaction. XXXX ID XXXX
09/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 94107	Web
I received an email on Wed, XX/XX/XXXX at XXXX XXXX stating that I have applied for and been approved for an Aspire Mastercard Credit Card from The XXXX XXXX XXXX. I tried to contact them, but they kept requesting my SSN, which I do not want to provide since I do not know this company and they contacted me first. I waited in hopes that this was just a single fraudulent email, but on Fri, XX/XX/XXXX at XXXX XXXX I received an email that I successfully activated my card. This raised my concern so I called them again and they said that they did not have a record of me being on an account without me providing a SSN. Today, Tue XX/XX/XXXX at XXXX XXXX I received an email about a $ XXXX purchase on " my '' new credit card. I would like to end this harassment and potential fraudulent account.
08/28/2018	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93657	Web
I had lost my job or actually laid off on XX/XX/XXXX. I had signed up for the protection on my credit card. I reported it to the company was told I would get paperwork. In two weeks now XX/XX/XXXX I call them back, stated that they were having problems. I guess they were being bought out or changing banking companies. No paperwork nothing. At the end of XXXX about the XXXX XXXX. I received a bill that had we ate informing you about new bank. Now I receive a thing typed on the billing statement my acct closed yet I am back to work XX/XX/XXXX and making payments now I brought acct under credit limit and I go to use card told its closed I said cant be well I printed out what I have as far as credit and it shows my acct is open yet I cant use it yet it states my available credit is. So they lied.
02/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 92832	Web
Called to close the account on XX/XX/2022 the next day at XX/XX/2022 I received a call XXXX from a FORTIVA representative from XXXX. I have records they called earlier at XXXX and XXXX and I declined both calls. I, finally answered at XXXX and the representative asked to re-open my account with a special offer. I said I'm not interested, and I hung up the call. Then hours later get and emailed the account was reopened. When I called XX/XX/2022 to have the account closed. Fortiva refused to close the account because now they claim it has to be closed to the Fraud department. No unauthorized charges have been made. The only issue is they're Sales Retention team opened the account without my authorization and now they are demanding to supply personal documentation to close the account again.
02/04/2023	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	ID 83501	Web
In XXXXXXXX XXXX XXXXXXXX used a consolidation loan and the issuer of the loan paid this credit card directly with check # XXXX for the amount of {$620.00}. It was written on XX/XX/XXXX and deposited on XX/XX/XXXX. The depositor was XXXX. Supposedly this is the bank that Fortiva uses. I've reached out the the credit union and complained to them and Fortiva but no one seems to know what happened to the {$620.00}. Last week on XX/XX/XXXX. The credit union and myself called together Fortiva to find out where the funds went and to have it credited to my account along with getting the interest charges dropped for this amount and the time. It was supposed to only take 2 days. Myself nor the credit union have not heard back from Fortiva. These funds have been missing now for nearly two months.
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75071	Web	Servicemember
My Fortiva Credit Card payment is due before XX/XX/XXXX. I got sick around XX/XX/XXXX. I took a XXXX XXXX on XX/XX/XXXX and was positive. I was in bed with fever of XXXX and all the Covid Symptoms until XX/XX/XXXX. I took another XXXX XXXX XX/XX/XXXX which was positive still. Mind you I am in the high risk category. I am XXXX XXXX XXXX and had XXXX XXXX in 2020. All my attention was paid on living. Thank XXXX i started feeling better on the 21 and I check my account and found it was 30 day late. I asked Fortiva to remove this under the Cares Act which states a lender can forgive a late payment due to XXXX for the months of XX/XX/2020 or after. I am asking that Fortiva take advantage of this Act passed by Congress and remove this payment. My payment history is good with this company.
01/31/2020	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48127	Web
I reached out to Fortiva credit card contacted them about a account that was opened in my name which I never gave permission to or authorized it in any way. I called them filed a dispute and they told me it would be take in care of and removed off my credit report within 90 days. They lied to me and constantly call me threatening to ruin my credit that my life is ruined they constantly do this to me. Date was in XX/XX/2019. Amount for {$1000.00}. Also selling my information to thrid party creditors is illegal and a criminal act and I want all my information whipped away that is on my 3 credit reports that are lies from the card companies that placed derogatory remarks. I've contacted the 3 credit bureaus and filed complaints on the mistakes that they placed no response no change.
04/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	FL 32539	Web
I applied for an Aspire credit card 2-3 months ago, was immediately told it was approved. Almost a month goes by and never received in mail, called company and they said they would mail a 2nd time. Still never received in mail. I told them i thought this might be a scam as their recording states to activate card as soon as you call, and i keep getting texts or emails to activate card which i never received. I called and gave them a new address to send card to, called back and was told to wait until XX/XX/XXXX, which was still another month. At this point I do not want their card as i found out it is for people with bad credit and has a monthly fee. I am going to call company now to tell them to cancel my account. Please make sure they have cancelled my request. Thank you.
08/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 115XX	Web
This will be the third time I try to pay my bill and log into the website or app. This will also be the third month I have this credit card. every single time I try to pay down the bill they intentionally make it as difficult as possible to do so. They create so many obstacles for payment -- should they want their website or app to work so people can make payments????? Why have I reported the issue to them numerous times, and they do nothing? How come when I submit a complaint through here, they tell me the website 's working perfectly fine when IT ISNT! This isn't so hard to investigate and verify the claims of! Their website and app never WORKS. You can only pay by calling them over the phone during business hours, and you can only view your balance by calling them directly.
05/22/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 100XX	Web
Hello, CFPB I am a victim of a hate crime! On behalf of all matters regarding CREDIT CARD DEBT. I AM SENDING THE FOLLOWING COMPLAINT FOR YOU TO INVESTIGATE MY CREDIT PROFILE/ HISTORY TO CHECK FOR ANY UPDATES PERTAINING TO CYBER CRIMINALS, CREDIT CARD SCAMMERS, OR STOLEN SOCIAL SECURITY NUMBER DEBT SUSPECTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX & HIS WIFE XXXX XXXX ( PROPERTY MANAGER ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , DC XXXX ( XXXX ) XXXX XXXX CEO ; XXXX XXXX & XXXX ; XXXX XXXX BOTH COMMITED XXXX ABOVE MY APARTMENT!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DC XXXX Phone : ( XXXX ) XXXX Please notify Judge ; CHAMBERS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , DC XXXX ( XXXX ) XXXX
03/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07675	Web	Older American
I have been a victim of Identity theft since XXXX and my personal information was used by someone else to open more than 9 credit card accounts. I found out about this issue in XX/XX/XXXX, filed a police report and imposed credit freeze. Nearly all of the fraudulent accounts opened under my name using an address in California. I've never lived in California and my only address from XX/XX/XXXX to XX/XX/XXXX was XXXX XXXX XXXX XXXX XXXX KS XXXX. So far I've successfully removed most of the fraudulent accounts from my credit report by filing disputes through the credit bureaus. I'v also filed dispute with FORTIVA XXXX XXXX XXXX XXXX XXXX GA XXXX, but they kept asking for payments even after I sent docs including police report and my DL to prove that I am an ID theft victim.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27529	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose UCC 3-603 : TENDER OF PAYMENT : States that ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
11/11/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	TX XXXXX	Web
My credit card was closed XX/XX/XXXX unbeknown to me. I just received a copy of my credit report and saw the account had been closed XX/XX/2023. I never received any notice that my account had been close. On my bill due XX/XX/2023 they charged an annual renewal fee of XXXX on my account they closed XX/XX/2023, they also started charging an account maintenance fee of XXXX maintenance fee. I have been charged XXXX on my XXXX, XXXX and XXXX statements. I contacted them and they told me my account had been close to frequent overlimit and activity, they approved the authorization 's. My credit report shows the my payment history was 97 %. I contacted them and they said the fees are charged because I still had an a active account. They account is was closed XX/XX/2023.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23606	Web
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XX/XX/2020 you reported that my transaction was 30 days late. XX/XX/2020 you reported that my transaction was 60 days late. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
02/13/2023	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	FL 33543	Web
Fortiva refuses to lower the absurdly high minimum payment. It is currently at {$210.00} a month, which they say is based on the highest balance of the card. The issue with that is that even though the balance is dropping, the minimum payment is not. They make using the credit protection plan impossible, they offer no support or help to lower the monthly payment, and instead of helping when you call, all they do is send you on an endless transfer circle, each department saying the other has to help you. They are leading me to either file bankruptcy again or let the card go to collections because it's just not affordable and it's interfering with my ability to live. To be clear, they have REFUSED to lower my minimum payment and have offered no form of support at all.
01/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94551	Web
I called to close this account well before my annual fee was to be charged to this card around XX/XX/2022. I was still charged the {$99.00} annual fee even though my account is closed. I dont know how companies can charge a fee like this when youre NOT using their card. On top of this they charge a Maintenance fee of {$12.00} per month! Its almost like a penalty for canceling. Its completely exorbitant and they shouldn't be able to charge these ludicrous fees. I never read anywhere of these fee charges I called several times and connected with a representative and supervisor on the phone and they refuse to stop/reverse any of these fees. There is no way I can keep my credit in good standing or get back to good standing if corrupt companies keep charging these fees.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34639	Web
I closed my aspire credit card back in XX/XX/2023! The account has been reporting OPEN for the last 4 months on my XXXX credit report and is continuing to damaged my credit! The card is closed. I dont have it in my possession and its not able to be used! I have contacted both aspire customer service and XXXX 10 times in the last 4 months and I keep getting pushed off and empty promises that they have sent the information that it is closed to XXXX. Yet, when I dispute with XXXX and upload the documents showing its closed XXXX is saying that aspire says its open. So I am constantly being run around in circles! Nobody wants to help me! There is no issues with any of the other credit bureaus its just XXXX. This account needs to be reported closed on XXXX immediately!
04/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 38125	Web
Originally, I set this account up in XXXX, and automatic payments were coming out until XX/XX/XXXX, when they stopped. They were sending bills to another home that I have and should have been sending them to XXXX XXXX XXXX, the home that I had the security system from XXXX set up in and the address that bill belongs to. I received late notifications to my home in XXXX, TN, and was unaware that this account had gone delinquent. When I called on Thursday, XX/XX/XXXX, to express that I was agitated and demanded that they reopen my closed account, return my late fees and update all three of my credit reports to reflect current and never late. I received an email today, XXXX, that returned {$78.00} to me in late fees, though I believe that I am owed more than that.
05/17/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WA 980XX	Web
I am a XXXX credit card account holder. I have called in to XXXX credit card customer service on multiple occasions requesting to have my payment due date changed to 2 days later to coincide with my paycheck schedule, and XXXX continues to fail to change the date, which then they charge me a late fee every month. Today they told me that they REFUSE to change my payment due date because my account is {$0.00} ( less than {$1.00} ) above the credit limit, which is due to the late fee XXXX charges me because they refuse to change my due date. Every month they refuse to change my due date and then charge me a fee for late payment. I believe this is unfair practices for a credit card company to REFUSE to change a due date and then charge me a late fee every month.
03/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CT 06824	Web
On XX/XX/XXXX I received fraud alert message from fortiva XXXX unauthorized charge on account that I haven't used over 1 year. I cut shredded card 1 year ago and no longer have access use. I immediately called fortiva about unauthorized charge and completed an Affidavit. I followed up XX/XX/XXXX fortiva rep confirmed Affidavit received on XX/XX/XXXX by email and after placing me on 1 hour hold rep confirmed fraud charge removed from account Old card canceled and a new card issued. Ive been monitoring account everyday since and on XX/XX/XXXX same fraud charge XXXX reappears on account. Hours on phone fortiva refuses to assist me. 15 hours phone calls fortiva refuses to assist me. I want XXXX fraudulent charges removed from account immediately. Horrible company
04/26/2018	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 913XX	Web	Servicemember
bought and return product by XX/XX/18 verified by there email dated XX/XX/18 and letter dated XX/XX/2018. Fax copy XX/XX/18 of there email stating credit will be credit to account. add spouse XX/XX/18 to account to help clear up.also again on same letter stating credit of XXXX will take 45 days.letter dated XX/XX/18 states intent to report delinquency to credit agencies.i XXXX XXXX called on XX/XX/18 telling them of previous letter and returning product as stated on top of there letter hand written. receive another letter of intent to report delinquency now owing XXXX. called XX/XX/18 ask to resolve explain all letters to no avail. wrote letter XX/XX/18 to XXXX XXXX XXXX/ dispute resolutions only to receive another bill dated XX/XX/18 they are closing account
06/08/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 19145	Web
Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of XXXX This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
04/20/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	CA 91739	Web
I paid off my Aspire Credit card more than 2 years ago. Recently, I was notified by my potential mortgage lender that Aspire Credit Card has incorrectly reported on my account status with XXXX with XXXX different account numbers and XXXX different statuses. Once as " closed and paid in full '' and the other as " closed and paid with a balance, '' this XXXX XXXX is incorrect and has not been updated since 2009. When I called to ask for a correction, they said my records were purged so they could not correct the account and would not send me a letter stating that the account was purged. Apparently it is their policy to delete all account information if it is paid more than XXXX year old, but not a policy to update the records correctly with the Credit Bureaus.
09/03/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	NC 28027	Web
I created a payment plan with XXXX for an online purchase ( a XXXX retail credit card through Fortiva was opened ) Id elected to have text notifications about my bill/account status and for the entire year of payment communicated with fortiva via text. I was notified by my credit monitoring application, soon after paying the final requested payment to fortiva, that a new account had opened. I contacted the company and spoke with management who stated that because I was eligible a separate account was opened for {$1000.00} with fortiva directly. They did NOT contact me via text/phone and I did NOT consent to them using my ssn to open ANYTHING!! I have given the company multiple days to correct this until today I asked via chat to have the account closed!
02/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MA 01752	Web
I submitted a payment via bill pay through my bank on XXXX XXXX XXXX Aspire appiled the payment, but didn't apply it towards the actual payment due, hence doubling my monthly obligation. I don't understand how a bill pay service can not be used to pay your bills through your bank. This was my first time using XXXX XXXX to pay this. I was informed that because I made the payment on the same day that the statement generated, it was counted as an " extra payment '' by their chat team. XXXX XXXX I see that your statement is only generated on XXXX of every month. Since the payment was received on the statement date, it will only be considered as an additional payment and will be adjusted towards your account balance. This will not impact your minimum payment.
09/19/2020	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	IL 604XX	Web	Older American, Servicemember
I have a Home Depot Fortiva credit card. I prefer paying my bills with my bank " XXXX XXXX '', it is safe to use. I made a payment on XX/XX/2020. The bank put it through, and it is marked as processed. They are sending me non payment notices. I called and they said they don't have it. I faxed them a copy of the payment, I mailed them a copy of the payment. Now they are reporting it as a missed payment. I also automaticly made another payment on them XXXX of XXXX. I am getting calls, text messages, emails of non payment. They do not speak english well which makes it hard to talk to them. They actually told me, You should only pay on our website. I do not trust payments on websites that is why I use my bank or XXXX. Please help me they are ruining my credit.
10/18/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20706	Web	Older American
I made an agreement with FORTIVA so they can provide security service at the house. They told me that monthly payment would be {$15.00} for 2 years, this was on 2019 but they have been charging {$49.00} every month since then and the charge is coming from XXXX not from FORTIVA. They never sent me the contract so I called them and I tried to cancel the service but FORTIVA is asking for {$390.00} so they can continue and the second company XXXX is asking for {$880.00}. This is an abuse because they never mentioned that there were 2 companies involve and they said that they only charge would be {$15.00}. Can you please let us know if there is something that we can do? they are not whiling to help and they are just asking for us to pay. Than you in advance.
10/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78653	Web
On XX/XX/2018 I applied for a XXXX account to finance furniture from XXXX XXXX. On the XX/XX/2018 I contact XXXX and let them know I cancelled the order from XXXX XXXX because XXXX XXXX ordered my furniture incorrectly. XXXX agreed to waive the {$49.00} annual fee since I never received the product from XXXX XXXX, 30 days went by and I received notification from Fortiva indicating I was past due {$76.00} which is $ XXXX+ a late fee. I talked to them on XX/XX/2018 and I was told to call back in 7 days so a manager could review my account, I spefically asked if it would be reported past due and ahe said no. The account is now showing closed with a balance and past due. I would like this corrected to either closed at {$0.00} balance or deleted completely.
05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
Dear XXXX/FORTIVA/ cfpb ; XXXX XXXX XXXXn , **see attachments** I need you to start a new investigation regarding the account listed below : I disputed this account with the credit bureaus 30 days ago, and they stated that you verified the accounts. Im confused, how did you verify this account when Its accurate? I know that all furnishers must have procedures in place to report accurately to the credit bureaus. I would like to see a copy of the procedures that your company have in place to make sure that they comply with the law and that the account listed above is reporting accurately. These incomplete and inaccurate items are causing harm to my credit score and I need it fixed ASAP. Please fix this situation and get back with me within 30 days.
10/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 13090	Web
Good evening, after paying off my balance in XX/XX/2020, I closed an account with Fortiva on XX/XX/2020. Since that time, this company continues to bill me for an account that is closed with a XXXX balance. Not only am I being charged late fees and yearly renewal fees, I am also being charged a {$12.00} maintenance fee every month, tolling {$170.00} a year. This information was not provided to me when I opened this account. I have tried UNSUCCESSFULLY to dispute these charges with this merchant. Not only am I requesting a cease and desist, I am also requesting that this information be given to other consumers so that they are aware of these inaccurate and fraudulent credit card charges before they decide to open an account with this merchant -thank you!
07/25/2019	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33810	Web
Our card was fraud charged repeatedly on 5 purchases in California, we live in XXXX, FL XXXX XXXX XXXX CA {$100.00} XXXX XXXX XXXX CA {$250.00} XXXX XXXX XXXX CA {$560.00} XXXX XXXX XXXX CA {$610.00} I was also a pending transaction {$550.00} not available on statement yet. They approved purchases over the credit limit. Fees Charged Late Payment XXXX XXXX {$38.00} XXXX when we paid on time. We had made numerous called since XXXX, also signed and send an affidavit. Their respond is to call back, and continuously calling us requesting us to pay those fraud charges. They continue to ignore our calls to solve the problem. We'll being threaten to damage our credit if we don't pay the minimal of {$400.00}. when our monthly payments is {$100.00}.
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	PA 152XX	Web
I was late on my payment in XXXX of XXXX to my Fortiva credit card due to an issue with the app. I had forgotten about it after multiple attempts that day. I was notified on the date of my next payment ( XXXX of XXXX ) that my previous payment was late. I then paid {$1000.00} to the credit company instead of the much smaller minimum payment in hopes it would resolve the issue. I have just noticed that this issue has market my credit report with a late payment. I contacted the credit company and requested if it were possible to have the late payment removed considering I paid a much larger sum of money when it came to my attention. I was told that there was nothing that they could do and that the late payment mark will remain on my credit report.
08/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	TN 37814	Web
My husband and I both have some XXXX XXXX XXXX. We have both actively been dealing with them with several XXXX working together for years. However, my husband lost his job. This has happened twice. Our credit gets to the place it is ok. We get several cc offers and then because of his XXXX XXXX XXXX we cant pay them back. I knew better this time but at the time I was scared and needed to pay the bills. I know differently now and havent even tried for a payday loan in a while. I started off with 3 cc companies and made agreements with them all. But when unexpectedly after almost 3 years I couldnt pay the original agreed upon amount but was willing to still try to find some acceptable yet affordable payment, only one wasnt ugly and horrible to me.
06/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IN 467XX	Web	Servicemember
On XX/XX/XXXX of this year, I made a {$34.00} payment that they refused to acknowledge although it was cleared by my XXXX XXXX and not returned. On XX/XX/XXXX I had another {$34.00} payment with the same issue. On XX/XX/XXXX I made a payment of {$130.00} that they said they reversed due to insufficient funds, however the funds were there and I did not receive this money back. My payments were also originally set for the fourth of every month and they slowly rearranged the dates back until they were all on the XXXX of every month, after they learned my paydays were the first and the third. Also they charge me two payments every month. One of XXXX and one XXXX. Please get the money returned to my XXXX XXXX account. I will be closing the account.
03/23/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 61108	Web
I have been taken to court ( 3 appearances since XXXX XXXX ) by XXXX XXXX XXXX XXXX on behalf of a Tribute Mastercard. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )
03/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38118	Web	Servicemember
Back in the early month of XXXX XXXX I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found several inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. I
12/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19709	Web
On XX/XX/2021 I contacted Aspire to inform them of a change of bank payment that needed to go in effect for the next payment. The next payment was due on XX/XX/XXXX. Aspire attempted to use the old account charged me a {$29.00} fee. I contacted Aspire on XX/XX/XXXX regarding the reminder of the change of account. After frustration, I manually paid the account. On XX/XX/XXXX I checked my score which dropped 50 points because they reported a late on my report. I contacted Aspire and they apologized and said the late would be removed due to the error on THEIR PART within 5 days. They also agreed to remove the late fee of {$40.00} and offered me a gift card for THEIR ERROR! I have included a screenshot of the account as well. XXXXASPIRE # XXXX
06/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	WI 546XX	Web	Servicemember
My card was lost, so I contacted Aspire for a replacement card and requested express shipping for an additional {$25.00}. I was charged the {$25.00} and told to expect my card within 3 days. Eleven days later I received an envelope from Aspire, standard presort mail, that contained a card that was not mine. It was one of the users on my account, but not the card I requested for replacement and not shipped express. I contacted Aspire and asked that they refund the {$25.00} and send me the correct card. Aspires representative informed me that they will not refund the {$25.00} because I was shipped a card, even though it was the incorrect card and shipping type. They then offered to send me the correct card, for an additional {$25.00} payment.
09/27/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 76116	Web	Older American, Servicemember
ASPIRE Credit Card has decided that I agreed to pay a " Maintenance Fee '' after the 1st year that my card was open. I recently was charged {$12.00} for this fee that they say even if I close out the card, they can still charge. This is not the Annual Fee of {$49.00} or the Interest, it is a fee they set and will continue to charge until the account is a zero balance. It is very unfair. I recently since XX/XX/2021 have had 4 XXXX for XXXX and been struggling. I called in to them to get caught up and no one tried to tell me about this additional hardship or Credit Protection until today XX/XX/XXXX I called XXXX XXXX and have 2 cards with them. They do not engage in thus practice. This company address is : XXXX XXXX XXXX XXXX, GA XXXX
01/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94551	Web
I called to close this account well before my annual fee was to be charged to this card around XX/XX/2022. I was still charged the {$99.00} annual fee even though my account is closed. I dont know how companies can charge a fee like this when youre NOT using their card. On top of this they charge a Maintenance fee of {$12.00} per month! Its almost like a penalty for canceling. Its completely exorbitant and they shouldn't be able to charge these ludicrous fees. I called several times and connected with a representative and supervisor on chat and on the phone and they refuse to stop/reverse any of these fees. There is no way I can keep my credit in good standing or get back to good standing if corrupt companies keep charging these fees.
04/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NY 11236	Web
I made a payment as advised independently of over {$300.00} plus to close out this account as advised. After making this payment I was denied having my account closed because they said that I was supposed to let them process the payment but, I told them it made no sense because the payment already was processed. Now I called because they are sending me statements to seek assistance with the balance since Im not working but, when I called the representative told me that I can not get any hardship assistance and I now owe a balance of {$230.00}. I start out with a card of XXXX XXXXXXXX {$400.00}. This company appear to be doing fraudulent transactions. I ask for a manager every time I call and they say that the manager is never available.
07/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	AZ 85040	Web
Customer service for aspire is over seas. Unfortunately when companies go cheap they sacrifice quality and lose customers. I was told on a recorded line 3 times this year including one time today that my credit card was 1 % cash back. I didnt remember signing up for that so I asked a few months ago to be switched to thta 1 % card. I was assured that my current card was in fact 1 % cash back. I closed my account because of this kind of service. Rather then try arbitration or go to court over XXXX I believe its best for the cfpb to handle the problem. If aspire wants to fix this by offering me the same card with 1 % I will accept that solution otherwise I prefer not to do business with aspire after this sour bitter taste left in my mouth
03/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 48187	Web
I have a complaint pending with you for a company called XXXX XXXX, however this complaint for the company Fortiva Credit Card company. I had XXXX XXXX send them the bill pay, however they state they did not receive the payment. I have sent them proof such as bank statements, emails, etc. and Fortiva will not budge or help me. Fortiva would not even investigate the claims they keep telling me that the information is not enough. I am still out of {$150.00} and XXXX will not refund my funds. I truly do not know which company lying or what and I just want this to end. Today I closed my account with Fortiva and I close my account last week with XXXX and not chime will not even help me. I have emails from XX/XX/XXXX - XX/XX/XXXX ( today ).
11/08/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WA 982XX	Web
On XX/XX/2021 the credit card company ( Aspire ) charged me a {$29.00} late fee. The company stated that my payment was returned by my bank. I looked up my bank statement online ( XXXX acct. ) It showed my payment paid on XX/XX/XXXX. I emailed Aspire a statement showing it was paid. Aspire emailed me back stating again that my payment was returned. I got mad and called them. They did not give me any reason for the charge and offered to reverse the fee. I accepted. There was another time about a year ago this company charged me a late fee that again was taken off because I am never late in my payments. Is this company just charging people at random seeing if they notice the fee or just pay it? If it happens again I am going to the FTC.
09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OR 97236	Web
In XXXX of 2019 I ended up almost losing my life because I had a XXXX XXXX. I fell behind on my credit cards and two of which have no interest in helping me with the late reporting on my credit report. I provided documentation and there should be laws to protect the consumer if things out of control occurred. Two accounts were brought current and paid off. Before my XXXX XXXX I had stellar payment history. Fortiva account services is one of the businesses. I was paying for a piece of work out equipment which lead to my XXXX XXXX. It states in my medical record that I can not exercise. They refuse to help. XXXX XXXX I had a XXXX credit card with them. They claimed I dont meet criteria when I almost lost my life. This is extremely wrong
10/06/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 30114	Web
I was charged {$12.00} for an account maintenance fee however Aspire re-opened my account after I filed my last Complaint because they closed my account in their error. My account was reopened however Aspire failed to actually activate my current credit card therefore I haven't had access to use the actual Aspire credit card for the last 30 days. I called and spoke with the CSR and she stated even though she sees that I didn't have access to the card for over 30 days she could not waive my {$12.00} account maintenance fee. I was also charge a {$60.00} annual fee however due to Aspire closing my card for over 60 days at no fault of my own. I have not continuedly had the account for the last 12 months again due to no fault of my own.
02/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92377	Web
I am writing the CFPB to inform you of the improprieties conducted on behalf of Fortiva. Fortiva has no Proof of Authority, written consent, or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The FDCPA Fair Debt Collection Practices Act was put in place to protect consumers from such trespasses. XXXX XXXX is in direct violation of my right to privacy as pursuant to the Bill of Rights. Fortiva is Defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are being reported are impacting my ability to attain goods like buying a home for my personal, family, or household needs. My intent is to seek remedy in Federal Court
10/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	GA 30052	Web
I had a account wiith fortiva and i did not give fortiva consent to share my information and they are reporting it on my credit report they have violated Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
11/28/2023	Yes	Credit card Store credit card	Problem when making payments Problem during payment process	CA XXXXX	Web
Basically its all over the internet. I send my payments in 10 day prior to due date. They say they never receive it. The. They charge a late fee and then post my payment the next day. I sent my payment in XXXX out on wed the XXXX it shows posted on the XXXX I get a email her on the XXXX saying they still havent received it. This has happened a lot. The payment is due on XX/XX/XXXX a Sunday but it was cashed on the XXXX. It doesnt take 15 days to post! Ive called and they say they cant control the mail. They want me to call and give my debit card over the phone. ( that way one of the millions of operators can hike my account no thank you ) they should allow electronic payments if not they need to hire more people to do their mail!
11/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	VA 236XX	Web
The account was closed for XXXX XXXX which is false. I made a payment on the account and requested a credit information letter on XX/XX/2022. I was told the letter would be emailed in 1-2 business days. The letter was never emailed. I called again today and was told the letter could not be emailed. I asked why the letter could not be emailed. The representative then put me on hold. She came back and told me the letter would be email within 10 mins and I told her I would stay on hold until I received the email. She told me she could not stay on hold until the email was received. I advised the representative that the call was being recorded for my protection. She then said she could not stay on the line and disconnected the call.
09/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	KY 401XX	Web
the past feww months when making a payment on my aspire credit card, i go to make my payment because i closed the account i had to make payments from, i use my checking account to make the minimum payment, i hit the make minimum payment amount, and it submits successful, then i checked and it says a few days later that i was assessed a XXXX dollar fee for returned payment for like XXXX centsfrom old closed checking account, so in short i hit the make minimum payment and pay from my checking account they have on file, it makes a payment ( it's supposed to be the minumim amount ) it goes through then on the daate the actual payment is due they try to charge me like XXXX cents for an autopay and i have already made minimum payment
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web	Servicemember
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Fortiva a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.
08/28/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	SD 57201	Web
On XX/XX/XXXX I attempted to pay my bill by debit card, it failed with an error that my account doesn't accept payment from debit card, so I attempted another time, attempted a pay through direct debit, cancelled the direct debit, received an email it was cancelled, figured out my card has the wrong expiration date, that went through no problem, now I'm being charged {$30.00} for the ALREADY cancelled direct debit that even though it was cancelled they still took out, sent back to me, and charged me for it, I attempted to talk to a guy named XXXX through their customer service and he talked to me like I was stupid and did everything aside from close chat to avoid answering why I was being charged for a cancelled payment
08/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 793XX	Web
The company XXXX XXXX XXXX XXXX Fortiva opened an account in my name which they claim is for new equipment for my XXXX security system. I relocated from XXXX to XXXX and upon relocation I had XXXX move my service. The second technician to arrive at my house stated they did not upgrade my equipment and used some equipment from my prior home. I never signed an agreement for this account to be opened to finance my equipment and I did not authorize this account to be opened in my name. If they have a signature it is not mine. This account needs closed and removed from my name immediately. This is fraud and a violation of CFPB consumer credit guidance. This company can not produce my authorization to open this account.
10/23/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WI 538XX	Web
In early XXXX of this year, Aspire Credit card company took a payment for over {$1800.00} dollars from my checking account, days after the payment date. I did not authorize this payment and it was not to be taken out until the next regular payment date on XX/XX/XXXX. I contacted the company repeatedly about a refund. They kept telling me the refund was going to be sent within days of the withdrawl. Then it was sent on XX/XX/XXXX. Then it was sent on XX/XX/XXXX. As of today, I have NOT received my money they owe me. I contacted them again today and now they say I have to wait until XX/XX/XXXX to receive it. If I don't receive it, they will reissue and I will be waiting another 20 days for the refund to even be sent.
08/16/2023	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	TX XXXXX	Web
In XXXX of XXXX, I had a home security system installed and it was financed through Fortiva Retail Credit. Attached is the cardholder agreement. It states the ARP is 0.00 %. I set up automatic payments and had no issues with this account. Recently, I saw on my credit report that XXXX XXXX my credit and opened a NEW account for a XXXX Credit Card XXXX This week I received a Fortiva Credit Card. The credit card has an APR of 28.99 %. Fortiva Retail Credit transferred my balanced to Fortiva Credit Card. Fortiva Credit Card ran my credit report and opened a new account without my permission. This caused my credit score to go from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). Attached is my credit score information.
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70127	Web
I have an account with Fortiva for an alarm service with XXXX. I have noticed for the last few months that this account is reporting as a credit card and I never received a credit card. I called several times to get this resolved and for some reason I am having the hardest time. I explained that the way their reporting this account is inaccurate. It makes it as if I am exhausting the card that I never received every month. I am getting the run around about fixing my credit report. My credit score is damaged each month as that they report this inaccurate. I spoke with 2 agents on XX/XX/2021 XXXX badge number XXXX ( supervisor ) XXXX agent @ XXXX XX/XX/2021. Also they are reporting wrong balances on my credit report.
08/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 335XX	Web
Aspire credit card is stealing my money. I made a duplicate payment to my account causing a credit balance, they owed me back XXXX. I immediately called to request a refund was told I would he sent a check, XXXX XXXX this credit balance refund debit is shown on my statement for {$540.00}. Leaving a credit balance of XXXX. I never received this check and multiple calls and emails to customer service I get no help and hang up in tears. I was told twice this was mailed to me and now Im being lied to that it was credited to my account. It never was and my statements prove that. I have filed a complaint with better business bureau and am in contact with an attorney. I need my money back and they will not give it to me!!
10/13/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94015	Web	Older American
back in XX/XX/XXXX I closed my account with ASPIRE CREDIT CARD because I couldn't keep up with the fees and interest I was making payments, but my balance was not going down, no difference in my balance, I continued making payment until now, but my balance does not seem to come down, Aspire credit card decided to add a new charge to my card in XX/XX/XXXX : is call maintenance fee {$12.00} a month, plus annual fee {$49.00}. even though I have close my account, no longer using this credit card. My question is, this credit card company can start new fees at any time? Charge for annual fees even though I'm not using the account? I'm still making payments, but I'm not using this credit card any more is a rip off.
11/04/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	AL 352XX	Web
On XX/XX/19 I made a payment of {$200.00} conf # XXXX. Also, on XX/XX/19 I made an additional payment of {$39.00} conf # XXXX. The {$39.00} payment I made on XX/XX/19 was not applied to my account until XX/XX/19. I spoke with XXXX on today, XX/XX/19 in regards to the issue and she said there was not anything that could be done to adjust the payment to the correct payment date of XX/XX/19. XXXX stated there has to be a 7 day delay in processing of check payments. The 7 day delay in payment is not Terms and Conditions, nor is it written on the disclosure on back of the statements. Company is unable and unwilling to adjust my payment date neither are they willing to adjust interest that has accrued over the 7 days.
07/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 27565	Web	Servicemember
Fortiva changed there credit terms and switched to XXXX. During that time my debit card was compromised in XX/XX/2023. I called them to get it changed to an auto draft from my checking account instead of a debit card. From that point forward they were still trying to draft with my debit card. Every month I was getting charged with a late fee. Then they had to refund me and was delayed in refunding me. It continued to happen the more I discussed it with them. I was so fed up I just paid the account off. Something, I didn't want to do. They even said they spoke with my husband and never spoke with him. They have always spoke with me. Their representatives never annotated that they spoke with me, which is fradulent.
10/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 640XX	Web
I was charged a late fee on the same day my payment was due which is the XXXX of the mnth. I was trying to get the late fees removed from my account before I made the payment but got no help from customer service. I made my payment 5 days later. Their general card holder agreement states late fees are accessed if payment not records in a timely manner. They charged me late fees the SAME DAY MY PAYMENT WAS DUE! Not to mention they offered a statement credit for automatic payments when you first get your card but the system doesnt let you sign up for it and customer service is clueless so they get you again by not having to give any credits for auto pay setups. These banks just XXXX XXXXXXXX for fees is ridiculous!
06/05/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	CA 900XX	Web
Aspire credit card company. I applied credit card. Few weeks later.on XX/XX/XXXX I got email that card was activated. I never did that so I called credit card company immediately to report someone activated the card. Next day and every day I get email that someone use the card. Everydtime when I get email I call them to report whats going on. My XXXX time call to credit card company. The representative tells me card was activated on XXXX and I reported stolen card on XXXX. My job was done when I report on XXXX Im not responsible for the mistake for ignoring or intentionally ignoring the necessary job. I called everyday since XXXX I am very surprise how dirty way to try to earn innocent customers money.
08/18/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	AR 721XX	Web	Servicemember
I closed my credit card account months ago and continue to make monthly payments in good faith without being late once. I originally closed the credit card because I was having issues with the company while dealing with rude and unprofessional behavior of the customer service reps. Upon closing my account I was told that I would not have to pay an annual fee or monthly fee because my account would be closed before the one year anniversary date. Fast forward five months layer and Im being charged an annual fee and a monthly fee even though my account has been close for five months. I talked to four different employees from this company. Instead of trying to resolve the issue, they was rude and unprofessional.
12/31/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33619	Web	Servicemember
I made a purchase on XXXX on XX/XX/2021 for {$500.00} I didnt receive the majority of my order and when I reported it to wish they only refunded two items. I disputing with Fortiva and they responded with wish.come response-showing usps marked it as delivered. The items never arrived here and a couple and a half months after I gave up on this issue ( 3 weeks ago ) someone knocked on my door but left an oversized mailing bag full or random items I had ordered. I was happy that I finally got it but now that Im trying it on the stuff was not as advertised!! It is overly small and most items are are through!!! When contacting Fortiva they state I have no further option to reopen the dispute/further dispute!!
08/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 31322	Web	Servicemember
I ordered the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This item was delivered and assembled to my home by XXXX ( XXXX, XXXX ) on XX/XX/XXXX. I contacted the return service XXXX XXXX XXXX XXXX to schedule a return of the equipment because I was not happy with the device. XXXX emailed me back on XX/XX/XXXX and quickly arranged for equipment disassemble and pickup from my home which occurred on XX/XX/XXXX ; this was within the 30-day return window. Since that time Fortiva has harassed me daily to pay for the equipment, they refuse to let me speak with a manager or supervisor, and now they have begun to destroy my credit. Product_Or_Service : XXXX XXXX XXXX XXXX XXXX Order_Number : XXXX Total {$3400.00}
11/12/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 90302	Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I XXXX XXXX consumer natural person and original creditor of an open end credit plan was denied my right of credit by XXXX XXXX. I was notified of this transgression specifically XXXX XXXX XXXX The Truth in Lending Act by XXXX XXXX ( XXXXXXXX ) on XX/XX/2021 on their website after completing my pre approved online application. I as a natural person was harmed by XXXX XXXX adverse action taken against me denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are up to ( XXXX XXXX XXXX is now civily liable to pay me for the damages.
01/20/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92508	Web
This has been a cinsistent issue that I have brought to Fortiva numerous times in the screen shot theres no transcation history so a consumer can review and cross refrence in real time. My previous available balance was XXXX dollars I made a payment of XXXX a few days ago my availble balance should be XXXX. I ASKED THIS GETS UPDATED IMMEDIATELY. Since they don't show transaction history I can't see if thru charged something that shouldn't be charged etc. CFPB needs toinvestigate this company and their practices under the fair reporting act cosumers need to see trasnsaction history this company is not doing that. Wheni previously asked they said there's statements... i said we need record in real time
09/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	RI 02920	Web
I decided to have XXXX XXXX back in early XX/XX/2014. The office that did the procedure connected me with XXXX/XXXX ( acct number XXXX ) to finance this procedure. I had the procedure and continued to pay them until this was paid off. They currently have not updated my credit report since XX/XX/2014. I am trying to get a mortgage and this account is killing me. I have called the company ( XXXX ) and pleaded with them to give me some type of letter or info as to the status of my loan. They refused to give me this information. I am now unable to get my mortgage approved without the updated status of this loan. I need help to resolve this. Please help me to resolve this ASAP. Sincerely XXXX XXXX
03/17/2017	Yes	Credit card	Closing/Cancelling account	MI 48307	Web
Good afternoon, hoping you can get this removed from my credit report, it is saying I have all of these credit cards, and I do n't ... there are serveral removed ... first one names Imagine acc # XXXX paid as agreed, but is now under XXXX, so I want the Imagine off my report, because it no longer exist. also the same company is on my credit report twice with two different account number please remove one of them please remove both account # XXXX, also there is another two I need to please come off my credit report, name of the company is XXXX account number # XXXX. Please I hope you can remove all of these accounts main reason is because it is showing as if I have a lot of card. Please thank you XXXX
03/12/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NY 120XX	Web
I was unable to make my XX/XX/XXXX payment to Fortiva and scheduled a future payment for XX/XX/XXXX. On XX/XX/XXXX, a transfer of funds between banks to cover the payment hit a snag ( my bank XXXX would not let me mobile deposit a check from myself to myself ). I filled out the contact form on Fortiva 's website withdrawing my authorization for the XX/XX/XXXX payment and scheduled the payment for XX/XX/XXXX. Despite the change, they still withdrew the payment on XX/XX/XXXX, without authorization. Fortiva does not email a copy of correspondence, nor did they ever respond to me. However, I do have a screenshot with my message and a confirmation that it was successfully sent to them via their website.
10/21/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	VA 22980	Web	Older American
In early XXXX, Fortiva misreported my account which damaged my score and report! This has been partially resolve but after three and one half months my scores remain unreported to both XXXX and XXXX. Given a XXXX credit limits the impacts my credit for both bureaus! I have repeatedly contacted them but they remain unmoved! My last response from them was they sent something XX/XX/XXXX but they lied for 2 months about having made contact which they had not!! A few yeasts ago, I had to contact CFB, as Fortiva would not send me money as they kept allowing fraudulent charges. You helped me to resolve the problem and hope you can do so again! Thanks , XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Va XXXX
02/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NC 283XX	Web
I tried to use the card in XX/XX/XXXX. At that point it was declined and I realized the card had expired in XX/XX/XXXX. Contacted company XX/XX/XXXX ; they claimed they sent a new one out so they reported it stolen on my credit report and stated they would send out another. I never received the card so I called back XX/XX/XXXX about 2 weeks later they said it takes 3 weeks. Waited again till XX/XX/XXXX then someone told me it would take up to XXXX weeks and some days they will order another. So for the past 2 months I have been charged a {$12.00} account fee and I havent had a card that I could use actually since XX/XX/XXXX. I tried to get the fees reversed but they refused. This is really wrong.
10/25/2021	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	MD 20603	Web
Hello I do my monthly payments for my credit card, I always make a payment way before the deadline. My 6 months with no interest was going to end in XXXX, I called to let them know Im almost done paying and I havent seen that they charge me for interest yet. The person who I spooked to told me I had until XXXX to avoid the interest fee, as soon XXXX hit they charged me with a big interest fee and I try to avoid it and I been there loyal customer and they wont make a one time fee acceptation. I made paid off what I owe and the balance I have right now its the fee they added to my account and Im trying to get rid of that fee since I made all my monthly payment and Ive been a loyal customer to them.
02/03/2018	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 442XX	Web
The company offered a credit card with a {$49.00} annual fee. I accepted the terms and then received a credit card. I paid the {$49.00} on XX/XX/XXXX and then today XX/XX/XXXX I received a letter stating that was an error really the annual fee is {$150.00} and when I called them they said it was " just a little mistake ''. They refused to honor the {$49.00} then when I ask for it to be refunded they said I had to call them back again. First I'm not sure how they can change the terms after they already accepted the annual fee. Secondly I hadn't even activated the card they should be giving me my money back at the minimum. There appears to be something wrong with the business practices here.
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77583	Web
The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.
09/12/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	RI 028XX	Web
On XX/XX/XXXX at XXXX XXXX I spoke with someone about the annual fee being {$130.00} dollars so I was going to decline the card. Whoever I spoke with said they would take {$90.00} off the annual fee. On XX/XX/XXXX at XXXXXXXX XXXX I called back because the fee was still there. I told them to listen to the call on XX/XX/XXXX. I'm not sure if they did, but on XX/XX/XXXX the fee was credited back. I didn't use the card for a long time but when I did they put the fee back. This was XX/XX/XXXX, almost 2 months later. I have called about it and they said the fee was put back on because I closed my account on XX/XX/XXXX, which is completely false. I have all the statements showing my available credit.
07/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MS 395XX	Web	Older American, Servicemember
Emerge has been billing me for years! charging me 29 Percent interest on a now balance of XXXX I filed bankruptcy in 2009 and this account was closed! When I finally asked them what account is this for that I keep paying you for, they could not tell me!! Also, when I offered to pay off the balance with a credit card check that I received with 0 percent interest, they said I could NOT do that! which raised a red flag to me that this was not a legitimate company. Can you please reconcile this matter for me as I am NOT going to pay them anymore money but I have perfect credit right now and do not want this to effect my credit score or credit report! Thank YOU very much for Your Help XXXX XXXX
09/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	NC 28314	Web
I recieved an email on XX/XX/22, XX/XX/22 from Fortivia stating that my account contacts had been consolidated. Upon researching my account information I found out that a XXXX XXXX had been opened up in my name. I only had an XXXX 's XXXX retail account previously opened with them. I contacted the company and spoke with at least 5 different accounts representatives. They tried to inform me that because of my excellent credit standings with them that I was selected for a XXXX XXXX with them. At no time did I ever ask for or request a XXXX XXXX from them. Nor did I give permission or authorization to apply for a XXXX XXXX. I do not want the card or it to affect my credit report in any manner.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MI XXXXX	Web
I have been in touch with XXXX multiple times and they do not want to clarify on my claim due to the fact that my identity was breached in the 2017 XXXX XXXX XXXX scheme and then my name has been traded in foreign capacities that I was unaware of as as well as domestic I do not agree I do not consent and I didnt definitely did not receive compensation for any of the activities and has ruined my life completely now I demand a remedy as of what I state in my resolution statement and I promise its all in good faith because I pledge allegiance to the flag of the United States of America and to the republic for which it stands one nation under God indivisible with liberty and justice for all amen
03/25/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 447XX	Web
On XX/XX/2022 I finally set up monthly autopay on my aspire credit card, and noticed for the first time that my monthly payments were not bringing my debt down, therefore, I researched my e-statements and discovered that the minimum payment due indicated on my app account portal dashboard doesn't reflect the actual minimum amount due, as a result, I made the minimum payment due on my dashboard but since it is not the actual amount owed I've been charged with late fees. I have screen shots to support my argument. I have since cancelled autopay and will check the actual amount due before I make a payment, but I don't know how much money I lost due to this unfair credit card debt collection.
08/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75126	Web
On XX/XX/2022 I received a notification that my credit score with XXXX decreased my XXXX point due to a 30 day late reporting. When I opened my monitoring service it showed that Fortiva Credit has me with a 30 day late as of XX/XX/2022. I called the XXXX XXXX and I asked them if I was late paying my credit with Fortiva and recorded saying I am not late for XXXX. I made my payment for XXXX on time and my XXXX payment is not due until the XXXX of the month. This company deliberately reported my credit inaccurately which caused a harm to my credit score. I HAVE BEEN TELLING THE CFPB THAT THE CREDITORS ARE DELIBERATELY MESSING WITH MY CREDIT AND THEY ARE NOT BELIEVING ME I AM NOT CRAZY!!!
05/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WA XXXXX	Web
I have had repeated problems with my aspire mastercard. first I had problems logging in and submitting payment. they charged my late fees which I was unable to recover. customer service was incredibly slow and difficult. I kept the account open, to prevent adverse effect on my credit report, but I stopped using the card. now I have found sudden " account maintenance fees '' of XXXX $ a month added to my account. I never agreed to or was notified of these terms. again customer service was difficult to access and tried to give me the run around. after great difficulty I was able to close the account and they agreed to drop the fees after I mentioned filing a complaint with the CFPB.
02/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	DC 20002	Web	Servicemember
Fortiva received a payment request for them to direct debit my XXXX XXXX XXXX account for {$500.00} to pay my credit card bill payment. Instead they refused to allow the payment to be processed and decided to block me from making payments on the account # XXXX.I was told to call them to verify any form of payment and when I called they were illegally asking for my payment card number and refusing to allow me to process it online. I then entered a new account number that encourages bank account payment. It says it will be processed in 24 hours. This time they ignored the payment cause the bank waited with me. They are now refusing to pay the payments intentionally denying me my rights.
02/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	DC 20002	Web	Servicemember
Fortiva is refusing to make the payment and pull bank funds for payment from my bank account within the promised 24 HOUR period that Fortiva promised they will use to pull the payment. Instead they refuse to process the payment within the promised time you 24 hours and wait 5 day which looks like fraud to the bank and it causes the bank to tell them no. They wait till XXXX on Sunday to pull the funds when they were supposed to pull the funds out on a Wednesday. The bank sees this as fraud and refuses to pay them so then they keep blocking my payments. They are waiting intentionally for a late process so it will be declined by the bank. They are denying me my rights. This is not fair.
03/30/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IN 46307	Web
I received a charge on my Fortiva card for XXXX that I did not authorize from XXXX XXXX XXXX. The gentleman advised the charge was made XX/XX/XXXX of this year. I advised him I have not used that card since late last year. He advised me they would investigate and it would take 90 days and then they would let me know. I asked him can't he simply call the store to verify the charge is fraud. He said no they can not do that. My issue with this is I did not look at the statement I would've paid the charge. How many elderly customers is this happening to? I can't believe with big companies that they can not do better tracking than this. It doesn't even advise what I am being billed for!
12/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	AR 72762	Web
I made a purchase for {$48.00} using XXXX to XXXX on XX/XX/XXXX. The primary card that XXXX deducts from is my Fortiva Mastercard. When the charge was originally authorized it was authorized in two separate transactions. One of {$36.00} and the other was {$12.00} which totals {$48.00}. The {$48.00} was posted to my Fortiva Mastercard on XX/XX/XXXX. The {$12.00} is still pending on my Fortiva Mastercard. I chatted with XXXX and XXXX and they only see the {$48.00}. I called Fortiva to dispute it the charge and was informed that I couldn't dispute it until it posted. Meanwhile Fortiva has taken the {$12.00} from my available balance and can't give me a date when this will be resolved.
11/08/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28078	Web
XX/XX/2016 To Whom It May Concern : Please note that in XX/XX/2016, I called Fortiva Personal Loans and requested that my due date be changed from the end of the month to the XXXX. I got an acknowledgment that it was done, yet they have been harassing me and also reported me delinquent on my credit report based on the original due date. I have tried to contact them a few times but there always seems to be a language barrier. I am requesting that my due date be honored for the XXXX of the month and that my credit reports are corrected. Please see attached documentation that indicates that they are inaccurate for the due dates. Thank you, XXXX CC : XXXX FTC Attorney General of XXXX
10/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AZ 85035	Web
OKAY, this company I have had absolutely the worst service with and I will attach all the other issues/ reporting done on this site. I must say the Customer Service has really gone DOWN hill. previous issues were speedy and customer service was simple. this issue is simple 2 payments where made on the same day and they only allowed 1 to process creating a shortfall on total paid and then cut off my access to credit protection as if I made the payments untimely.. this is now the 7th issue and plus they closed the card in retaliation of last filing. NOW THEY ARE REPORTING THIS CARD XXXX LATE. total balance is {$250.00} and I request they pay this card off. I'VE CALLED ENOUGH
10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 337XX	Web
I closed my Aspire credit card on XX/XX/23. The account has been reporting wrong for the past two months! Its still reporting open, still reporting a high utilization and as of XX/XX/23 a late payment was reported! This has damaged my XXXX credit XXXX! At the time of my account closure on XX/XX/23 my payments were current and not late! I have disputed three times with XXXX and they say aspire says its open! But when I contact aspire they send me emails confirming the account closure date and I send that to XXXX and nothing gets fixed! I was denied an apartment due to this error hurting my credit! I just get generic responses from aspire customer service or they deflect the issue!
12/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 333XX	Web
I called Aspire credit card last month and told them that I am going through severe hardship. First I was affected by XXXX, and then my business is affected by the hurricane in Florida. They kept on charging me {$30.00} late fee and lots of interest. They charged {$37.00} just for interest in XXXX and they're charging this every month. I asked them to waive at least late fees but they're denying to waive the late fees. How can we pay such excessive interest fees and late fees? There's no way. I rather spend that money for food. I won't make them any payment till they waive all the late fees. XXXX XXXX XXXX is ripping off the consumers with excessive fees. This should be illegal.
04/07/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 08046	Web
The collector is XXXX. Originally Fortiva with XXXX XXXX system. XXXX in total is owed. In early XXXX the company contacted my stepsons mother who was away on vacation regarding the bill. Not sure how they found her number and I do not share my business with her nor are we close friends. Two weeks later, they contacted my stepson about this same bill. I spoke to XXXX and her manager indicating I was not sure when I would be able to pay possibly at the end of the month. I do want to rectify it. They continue to harass and call repeatedly on different local numbers. Each one I block. They are now sending emails to my email account as recently as of last week, around XX/XX/2023.
04/25/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AZ 85035	Web
FORTIVA REPRESENTATIVES ARE VERY RUDE. THEY WILL NOT LET YOU SPEAK AND OR TALK OVER YOU AFTER ASKING YOU A QUESTION. THEY CONTINUALLY DO THIS IN A VERY SET PATTERN AND IN MY OPINION ITS FOR ONE SIMPLE REASON, TO GET YOU SO UPSET YOU JUST PAY THE BILL AND HANG UP. MY CONCERN IS STILL THE SAME THAT THEY REFUSE TO ISSUE MY 6 MONTHS OF CREDIT PROTECTION TO THE ACCOUNT WHICH LOOKING OVER THE ACCOUNT WOULD ALLOW AN ADDITIONAL XXXX XXXX XXXX $ TO BE REMOVED FROM THE ACCOUNT TOTAL. CREDIT PROTECTION DEPARTMENT REFUSES ON THE REGULAR TO ISSUE ME A COPY OF THE FORM NEEDED TO GET SAID BENIFITS THEY ARE PLAINLY STOPPING ILLEGALLY ME FROM OBTAINING ACCESS TO THE THINGS I PAID FOR...
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33319	Web	Servicemember
In accordance with the fair reporting act XXXX account # 's XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$98.00}, XXXX/XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXXXXXX {$4800.00}, XXXX XXXX XXXXXXXX , {$5000.00}, XXXX XXXX XXXXXXXX {$160.00}, XXXX XXXX {$2200.00}, XXXX XXXX {$0.00}, XXXX {$0.00} , has violated my rights. 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/01/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	NY 11355	Web
contacted fortiva to cancel a credit card that isnt used anymore ( after one purchase from early 2021 ). i was told the card AND annual fee would be cancelled and to not worry. XX/XX/XXXX i got a statement from fortiva with the annual fee AND a late fee. i called customer service right away and was told as long as i pay the annual fee, theyll waive the late fee. unfortunately i didnt get a confirmation from the first call because the person sounded like they wanted to die or something and probably gave the wrong information since clearly that annual fee was still on the account. current customer service rep said the account is shown as closed but the annual fee is still up.
11/04/2017	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	GA 30215	Web
I received a XXXX Credit Card on XXXX XXXX and want to cancel the account immediately. I tried to fax the request to ( XXXX ) as instructed on their phone message on XXXX XXXX as well but your fax number did not work either. I tried calling numerous customer service number listed in the credit card booklet but all were the same automated message. XXXX has an address mail the cancellation request and it is in XXXX, GA in their booklet and I will send that well but I wanted to file a complaint so no one else will fall into this trap. XXXX Customer Service Number I called are : XXXX XXXX XXXX XXXX All of the above are the same automated message for XXXX XXXX XXXX XXXX.
07/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44266	Web
My divorce was just recently final and I was in a XXXX XXXX XXXX marriage. I had zero control of bills, emails or anything of importance. After I XXXX and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
09/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 32792	Web
Hello, I received this mail from a bank called aspire, saying pre qualified for a XXXX dollars credit card. Since I've been recently boosting my credit i believed thats why i got this mail. I never realized the type of scam this business is. The have a online app that doesn't work at all. It barely able to open, and the online website is even worse with logging in. I getting extra free {$60.00} charges and it hast even been a month since my last payment. I can not check what the fees are for. They wont allow me to close account, every customers service person I've spoken too dont care about anything else but me paying of my bill. They not attempting to even listen too me.
05/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	PA 17110	Web
I was unable to list my po box on the original application. I chatted in the rep sent me a secure link to which I uploaded proof of my po box . I chatted back in as my address was not updated. The rep advised they would update my address. The rep updated the address not related to me. I chatted back in and was told to contact support. I spoke with a supervisor who stated they could not rectify the representatives mistake. They advised me to send an email with the same docs that were already uploaded. I sent the email they stated they could not assist. I feel as though my privacy and information is at risk as I am not aware of the address that is listed on my account now.
01/24/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98056	Web
I decided to check my XXXX XXXX after not checking for many years to make sure nothing is out of the usual and saw under XXXX report, 2 hard copies from companies that I dont even know. Nor have I requested for any credit card/loan in the past couple of years. Or was ask by anyone to have credit checked. These 2 companies are below : XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiry shows : XX/XX/XXXX And Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry shows : XX/XX/XXXX These hard inquiries are hurting my score and I would like to find out how to remove them. I never agreed for those inquiries. Thank you,
10/24/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	SD 570XX	Web
Credit card charged me with more than XXXX $ fraudulent transactions that don't belong to me they overdraft me and raised my minimum payments and keep adding interest to the whole available credit I contacted credit card company about it and they wanted me to do an affidavit which they supposed to send it to me in the mail and they been lying about sending it. Idk what to do they ruining my credit score went down 50 points because of this issue. They not doing anything to help me. Instead they keep adding charges to my account. This company does have a very high annual fee and they known for scamming people please I need help with this matter thanks. Fortiva credit card
10/08/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	VA 231XX	Web
Recently I was issued a new credit card from Aspire because it was alleged that fraudulent activity was detected on the initial card issued. The company did not return my {$99.00} activation fee and did not indicate how credit protection that I purchased would aid in this matter. Prior to fraud detection, I was only able to use 50 % of the available credit before purchases would be declined. As of this date, I have received a new card and recently received a notice that my auto insurance payment has been declined when there are sufficient funds to pay the amount due. The credit card verified there are sufficient funds but denied that the automatic payment was declined.
02/24/2020	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	CO 80134	Web
We had selected to make the minimum payment on our Fortiva credit card and since XXXX they have charged us the full amount multiple times resulting in overdraft fees. We have taken our banking information off of the online site and they still have charged our account the full amount. We have tried contacting them multiple times to get it fixed and every time they say it takes 2-3 business days to speak with a manager resulting in us NEVER getting called back. When we spoke to a manager one time back in XXXX he had told us that they were going to delete our banking information and send us a sheet to fill out so we can set up a payment arrangement. None of this was done.
01/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	VA 22193	Web
I have 2 accounts with Aspire, a subsidiary of XXXX XXXX XXXXFortiva ending in XXXX and XXXX. On XX/XX/3022 I made 2 payments {$39.00} for account ending in XXXX {$40.00}. Despite my best efforts to resolve this problem Aspire staunchly maintains the payment for XXXX was reversed on XX/XX/2022. I sent them bank statements for XXXX proving the money was taken out of my account. Not to take my word for it, I conferenced my bank on one of many calls and they verified the payment went through and there was no reversal. Ive contacted Aspire approximately 7 times- and I spoke with a supervisor with the same results. I have attached my bank statements as proof. I need help
12/15/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29209	Web
XX/XX/2023 Aspire Credit Card PRE-ARBITRATION SETTLEMENT DEMAND To whom It may concern : PLEASE ACCEPT THIS LETTER AS NOTICE THAT YOU ARE IN VIOLATION OF THE ARBITRATION AGREEMENT SECTION OF THE CONTRACT BY SELLING THE ACCOUNT TO THE THIRD-PARTY DEBT COLLECTOR, IN PERTINENT PART ANY BECAUSE OF THE BINDING AGREEMENT. NO ARBITRATION PROCEEDINGS HAVE COMMENCED THEREBY RESULTING IN A MATERIAL BREACH OF THE TERMS OF THE ARBITRATION AGREEMENT. I WISH TO SETTLE MATTER QUICKLY ON THE TERMS THAT YOU GET THE DEBT COLLECTOR TO DELETE THE INFORMATION FROM MY CREDIT REPORTS BECAUSE OF THE ILLEGAL ACTS. Also I wish to be compensated in the amount of {$2500.00} for Damages.
07/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78130	Web
I was alerted from my identity theft protection program that someone opened a Fortiva account ( Account ending in XXXX ) to pay for a XXXX XXXX XXXXXXXX XXXX. I reported the fraud to XXXX and filled out their ID Theft Affidavit. I never heard back and did not receive confirmation of them resolving the account. When I attempted to follow up on the status of the dispute, they would either refuse to help me or hang up on me. I am a victim of identity theft and this is not my debt. I pulled credit on XX/XX/21 and now see that they closed the credit line but they have not removed it from my credit report. I would like the debt and inquiry removed from my credit report.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48150	Web
On XX/XX/XXXX, XXXX and XXXX showed that I was 30 days past due on my XXXX/Fortiva account for XX/XX/XXXX and XX/XX/XXXX. XXXX shows the same account 30 days past due for ONLY XX/XX/XXXX. I made several calls about this and am still waiting for a resolution. I sent a letter to Fortiva on XX/XX/XXXX requesting the correction, and I am still waiting to hear something. I viewed my credit reports today, XX/XX/XXXX, and it still shows the errors. I signed up for XXXX in XXXX XXXX, and there was confusion about who was making the payments, so in XX/XX/XXXX, I was 30 days past due. However, XXXX had an agreement with Fortiva and made all the payments correctly in XXXX.
06/24/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 310XX	Web
I tried to apply for credit and was denied because of two credit cards from this creditor. I received the creditor information from the my credit report. I was incarcerated for 13 years and released this year in XXXX. My wife and I tried calling several times to get this issue resolved the right way. Everytime we call, we are transferred and put on hold for a long time or the department that handles fraud is closed. Im trying to get on my feet to help take care of my family and I cant because of this. I ask that you please look into this for me so I can establish credit and provide for my family. My certificate of release from XXXX XXXX XXXX XXXX is attached.
05/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 454XX	Web
I did a balance transfer, and it took place on XX/XX/2022. My due date was XX/XX/2022. The transfer was confirmed by XXXX card on XX/XX/2022. On the XXXX of XXXX Aspire charged me interest, yet I had a XXXX balance. They posted my payment on the XXXX and then later through an investigation realized I WAS CORRECT and removed the late fee but to date has refused to remove the interest and KEEPS TELLING ME they are reviewing it when I ask again and then charge more interest. They have been extremely difficult and string you along for hours in chats, mocking you as well as in emails, all the while telling you they need 2- business days to review and NEVER RESPOND.
06/23/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 310XX	Web
I tried to apply for credit and was denied because of two credit cards from this creditor. I received the creditor information from the my credit report. I was incarcerated for 13 years and released this year in XXXX. My wife and I tried calling several times to get this issue resolved the right way. Everytime we call, we are transferred and put on hold for a long time or the department that handles fraud is closed. Im trying to get on my feet to help take care of my family and I cant because of this. I ask that you please look into this for me so I can establish credit and provide for my family. My certificate of release from XXXX XXXX XXXX XXXX is attached.
08/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	PA 17110	Web
I applied to FORTIVA CREDIT CARD company and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by FORTIVA CREDIT CARD company. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.
08/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	LA 71107	Web	Older American
XXXX XXXX XXXX is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. XXXX XXXX XXXX is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX XXXX XXXX. I want these people stopped.
07/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	WI 544XX	Web
Fortiva Credit Card. XX/XX/21 logged onto account to make a payment. The payment screen does not fit on my phone using the mobile app or on my computer using XXXX XXXX or any other search engine. the screen does not scroll and I can not get to where I need to make my payment. Called the phone number listed and system will not recognize my social security number. Used the chat feature and I only got pre printed canned responses that the " person '' I was talking to, XXXX, was looking into the situation and I should call in. I explained that I tried and couldn't get through, got the same response. Now my payment will be late. Please look into this company.
09/26/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 630XX	Web
Aspire credit card continues to unfairly charge me late fees. I have recently submitted a complaint against said company and got some feedback. However, before I could update my accounts to compensate aspire reinstating the account back active again. They just charged me excessive amounts of fees though the years. My balance should be {$340.00}. They reinstated my balance to over the credit limit immediately!! Unfair business practices at its best!!!! Please have aspire credit card to remove excessive charges from my account so It can rightly be in good standing! Lastly, they just charged me {$41.00} late fee and the account isnt even a week back active!
05/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 92114	Web
The App they have to pay payments is very poorly built. They have my correct account info and it was set for automatic payments. I manually paid them after receiving notice my bill was due and. The payment somehow got returned I got no notification of any returned check. This happened for the last two payments. They tryed to act like they didnt have my phone number and I needed to update my email but it was all the same info. This company is very unprofessional I want the late payments taken off my credit repost and the returned check fee and interest and late payment fees Refunded. Its like they purposely did this so they could charge me interest.
04/16/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 762XX	Web	Servicemember
I started receiving calls from XXXX XXXX in 2018. In XXXX 2018, I sent them a cease and desist letter indicating that they were to contact me via mail only. I have received a couple of calls from this year but always pushed them to voicemail. Picked up my line today to advise that they are not to call me. The collector on the other end of the phone repeatedly talked over and advised that I owe them money. I advised to send all notices and correspondence via writing and he continued to talk over me telling me that I owe them money and how do intend to resolve this matter. Their collectors are poorly trained and don't care that they are violating the FDRPA
12/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 110XX	Web
Hi on XXXX i bought the XXXX the next day i try to return the phone but keep for XXXX weeks after XXXX XXXXeek i return the phone Refund issued {$470.00} refund issued on XX/XX/XXXX, XXXX return {$120.00} to gift card and {$350.00} to my ceridet card XXXX XXXX **** XXXX Order Summary Item ( XXXX ) Subtotal : {$430.00} Shipping & Handling : {$0.00} Total before tax : {$430.00} Estimated tax to be collected : {$38.00} Gift Card Amount : - {$120.00} Grand Total : $ XXXX tax and seller information Refund Total {$470.00} now the credit co don't want to give me my # XXXX they said i didn't return the phone Refund issued {$470.00} refund issued on XX/XX/2021.
05/17/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CT 06106	Web
ive tried to dispute this derogatory mark for a " fortiva " credit card from the months of XXXX-XXXX of XXXX, the acct was both opened and closed with an outstanding balance of {$700.00} without my knowledge ; im currently a victim of idenity theft. ive disputed it in XX/XX/XXXX when it became apparent to me that this was affecting my credit. again i disputed it in XX/XX/XXXX and again XX/XX/XXXX. i contacted the company by phone on XX/XX/XXXX and the gentleman was very confused about the acct and why the acct was opened and closed so quickly. for months of XXXX XXXX XX/XX/XXXX ive recieved letters and calls trying to collect debt. some rude some pushy
07/10/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 48504	Web
I sent in a my payment in full to close the account XX/XX/XXXX. I called fortiva today and they wouldnt give me any sort of payment confirmation even though they can confirm they recieved the payment - they said they didnt get the funds for a month - XX/XX/XXXX. Which is incorrect. I sent this in on XX/XX/XXXX. They wouldnt provide anything to me, not my mail, fax or email to show me the account is paid in full so I can send this to the credit bureaus to improve me score. This is unfair. I sent payment and cant have any sort of confirmation in writing to help my score improve. Confirmation number from fortiva is XXXX that they receieved my payment.
07/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CT 06320	Web
I had previously filed a complaint on Fortivia to the CFPB your file # XXXX. The company that they are providing financing for XXXX XXXX XXXX, their client did work without licenses, inspections or permits. They are aware that the contract that they are trying to collect on is void. I contacted them on XXXX XXXX letter. Fortivia has failed to remove this amount from my credit and close the account They were notified last year that the card was opened under fraudulent conditions and fortivia has refused to do their due dilligence to relive me from this debt.Fortivia and XXXX XXXX XXXX are being investigated by State of Ct Dept of Attorney General XXXX
12/04/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33027	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
03/03/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 856XX	Web
I checked my credit score and it said I had a new hard inquiry from XX/XX/XXXX. However, I have not given permission for anyone from this institution to do a hard inquiry into my credit report. I would've contacted them but I have no information into it. I looked them up and don't know any service they provide that I would've even considered giving my permission to. Below is exactly what was in my report. " XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. See an error? Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. ''
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my ile or digital federally protected consumer rights to avele privacy and confidentiality under the 15 USC 1681. FORTIVA CREDIT CARD ( XXXX ) has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. I have not supplied any proof under the doctorine of estoppel by silence, Engelhardt vs Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt nor therefore in fact not such debt exist.
11/05/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	VA 22201	Web
I received a letter from a company claiming to be " Fortiva XXXX XXXX '' - it was addressed to " dear applicant '' and said the below information was needed to process my application ( which I did not make ) : A copy of social security card An original pay stub or copy of most recent tax return an original utility bill. The address for return of the information is : Fortiva XXXX XXXX ; XXXX. XXXX XXXX, XXXX, GA XXXX. I looked this up and there is a website " XXXX '' which lists this website. Either the cite and the company is fraudulent or someone tried to open an account in my name - either way, I wanted to report and bring to your attention.
10/16/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	DE 199XX	Web
My identity was used in XX/XX/2019 to purchase store credit cards from ( at least ) four companies [ XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. ] The product that was shipped to me was returned to the stores, refunds were given, credit bureaus notified, and a police report filed [ Delaware XXXX. ] Two Banks [ Fortiva XXXX XXXX XXXX XXXX Georgia, and XXXX XXXX XXXX XXXX Ohio ] have ignored all communications in regard to the fraud and continue to harass me for charges that are not mine. Last week XXXX began a ruthless phone campaign against my wife ( who has nothing to do with this issue ) and started calling her cell phone five to ten times a DAY.
08/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93308	Web
XXXXFORTIVA Original creditor : I have no idea how this company got my information. I never agreed to any services or products with this company. I tried disputing this with credit bureau, but corrections never made. After several harassing calls to my phone during unlawful hours and on holidays I repeatedly asked them to stop calling me if they were unwilling to send me proof of any agreement for services with them. They refused to send me any account information or signed agreements. The refuse getting supervisor on the line and refuse to transfer to an American call center. As a result this has caused continued harm to my credit reputation.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85254	Web
The company is Aspire credit Card. I have a credit card showing on my bureau that is not only not mine but one I've not received or applied for and it just appeared with a balance of {$930.00} all past due. When I told them they said it would be verified and removed of which they won't do. They say they will correct this and just never reply. Ive attempted to dispute 2 times by calling them and also 2 dispute online with XXXX All they do is update the date and never provide me or the bureau how or why the appears. By just updating a date it seems the bureau thinks its fixed. they are playing games with my credit report. Please help. XXXX XXXX
10/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	CT 062XX	Web
I have ALREADY filed a complaint with you about this Fortiva credit card. They STILL have not and will not send me a bill! They sent how much I owed for XX/XX/2022 thats it. No due date. Interest rate Etc. Wasnt a statement. Had to call to make payment AGAIN. Had to get them to remove ANOTHER late fee. Original complaint says closed because they responded to who?? Not me! I CANT use the online bill portal always a problem tells me to call. Ive requested a statement MANY times! I want a monthly paper statement. Ive never gotten one from this company Can you help me or not?? I am also going to file a complaint with the CT State Attorney General
06/20/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33511	Web	Older American
On XX/XX/2017 XXXX XXXX FL came out to my home to give me an estimate of my a/c repair. After investigating the problem they gave me their estimate. The cost would require me to open an account to pay for this service. I declined the offer as I was not financially able to open up new credit. I refused the offer as I was not willing to open new credit. The technician left and I believed the matter was closed. Before reaching the end of the month I received a bill statement siting my new line of credit {$5000.00} an available credit of {$4600.00} with an outstanding 'purchase ' of {$400.00}. They provided me no repair service but a Quote.
04/23/2021	No	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	GA 30114	Web
I started receiving collections calls from XXXX XXXX stating my payment was overdue for the month of XX/XX/2021. I made a payment on XX/XX/2021 and my due date was XX/XX/2021. My payment has not been returned to my bank. I called into Aspire and spoke with the supervisor on XX/XX/2021 at XXXX XXXX eastern standard time and my issue has still not been resolved. Aspire has the WORST customer service ever. I will pay this credit card off and close this account it is not worth the headache to deal with this company. I would like to request that this company closes my account and I will continue to make payments until this account is paid off.
08/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	AZ 85635	Web
Problems with ASPIRE : ASPIRE owes a refund {$18.00} I never received it. I have phoned ASPIRE many times to solve this issue. Each time I call, a phone rep tells the new date that I should receive the refund, and the letter of explanation. Any issue of post office delivery was resolved months ago. There is no local issue. This " lip service '' from ASPIRE has been going on since early this year. I also filed complaints with this consumer bureau back in May ... .still no results. In addition, I would like to know why the company 's reps continue to promise the delivery of the refund, but never follow through. Why is there double speak?
09/09/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23464	Web
I have an unauthorized credit inquiry from Fortiva/XXXX dating XX/XX/2020. I did not apply for any new credit. I called the creditor and was told that they would remove, however I can not be so sure they will remove as they are the ones that report inaccurate information in the first place. I have frozen all of my I do with all 3 credit bureaus, as well as put a fraud alert on my account. I filed a dispute with XXXX as they are the only bureau as of now showing this fraudulent information. They have an estimated completion date of XX/XX/2020 but any help sooner would be appreciated as I do not want any further fraudulent activity to occur
02/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 431XX	Web
I have reported identity theft by submitting and FTC REPORT and it was received on XXXX. I also called on XXXX to inform them that the law according to the FCRA that when a credit card company has been notified by a consumer that there has been identity theft, they are supposed to remove all information from that credit file immediately and refrain from reporting further information. Despite that they have continued to report on my credit file 60 days late which is hurting my credit worst. When I called them they said they wont remove it until up to 90 days. This is against the law. I want this account removed from my account immediately.
06/30/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	CT 06824	Web
I've had fortiva for 3 years been an excellent customer always made on time payments. Numerous calls to their outsourced customer service agents that reads from a script barely understand English which I end up having to discontinue call. Fortiva continues to charge me very high monthly account maintenance. Monthly interest rates on top of XXXX charge every year. Ive never had a credit increase and these charges continueto rise. I received email from fortiva which states these high monthly charges reduces after 1 year and my account will be reviewed that never happened. Horrible experience no customer service assistant to redeem issues
06/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33060	Web
A fraudulent credit card was opened in my name with Fortiva, and used to make purchases in the amount of {$3200.00}. An additional account was fraudulently opened in my name with XXXX XXXX XXXX in the amount of {$330.00}. I was unaware of the issue until another company where I have a credit card canceled my card due to negative activity on my credit report. When I looked into my credit report to find out what was happening ( XXXX ), I was told about this Fortiva account and debt, and the XXXX XXXX XXXX XXXX I contacted Fortiva and XXXX today, XX/XX/2022 and told them that those accounts were not opened by me and are fraudulent.
08/25/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CO 815XX	Web
I never received a new card for my account. The account says closed on my credit report, yet they continue to draw money from my account each month for account services. I called to request a new card for the account and continue with my account on XX/XX/2021. They complied and said that I would receive a card by XX/XX/2021. I have yet to receive my new card. I would like an answer as to what will be done as far as receiving a new card. If they are not willing to deliver a new card immediately. I would like the account permanently closed and receive a refund for the amount drawn for the following months since the card expired in XXXX.
08/04/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	GA 30114	Web
I attempted to use my Aspire credit card on XX/XX/XXXX and my purchase was declined. I called into Aspire and I was informed that the notes stated on XX/XX/XXXX I wanted my account closed. I informed them that I did not request to close my account and that my account stayed open over 30 days past the date of their notes thats another reason why I know their records are incorrect. I requested to hear the recording of that conversation and of course Aspire said it was not available. I have never received any communication from Aspire informing me that they closed my account. How can a company close my account without my permission??!!!!
09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 141XX	Web	Servicemember
XXXX County Sheriff 's Police Report : XXXX XXXX I have never opened/used/authorized this account. I filed a police report with the XXXX County Sheriff 's office [ as instructed to do by XXXX and XXXX ] disputing this off of my credit report. It was removed by XXXX and XXXX, showing $ XXXX/owed- closed- because of fraudulent activity. XXXX will not remove or close out the balance or reporting on my credit report- despite having the police report and a statement that this is FRAUD. I would like this to be removed as per the police investigation, this is fraudulent and the other credit bureaus have adjusted my report accordingly.
07/23/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93307	Web
Aspire Credit Card uses XXXX XXXX XXXX XXXX XXXX to collect for them when someone defaults on their credit card account.. as they did with me. I settled the account in full with XXXX XXXX and Aspire refuses to XXXX out account claiming I still owe them {$280.00} I have called and talked to them and it just goes in circles and nothing ever happens. I have contacted XXXX and XXXX regarding this and this was their suggestion because they say that Aspire keeps sending back the same information and NOT acknowledging the fact that this account was closed and settled. I have attached a letter of satisfaction from XXXX XXXX. Please Help.
12/19/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	WA 98038	Web
Aspire credit card sent mail regarding to increase monthly fee and mentioned on the letter that I can object to the charges with stipulation I should make full payment of the credit Then I made calls and tried to settle payment system and paid expected amount to avoid fee. However it was also agreed ( per conversation with customer service supervisor at that time that if I pay this coming month certain amount ( approximately {$160.00} something ). I thought we resolved the situation by trying to do payment but then I received email demanding payment more than what customer service representative told me with those increased fees.
07/13/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NH 030XX	Web
I was contacted by a lawyers office that gave me the last XXXX digits to an account, I do n't recall having back in 2008. The lawyer stated they were coming to my job to serve me papers, but could not give me a phone number for the company that hired them. I ca n't seem to locate any legitimate way of contacting Imagine XXXX XXXX. I have searched for the website myimaginecard.com as well as a phone number to contact these people. I was also told by the legal office that the Debt collector contacted me via postal mail at my address, and they did not receive a response. No mail or correspondence of that sort has been delivered here.
10/20/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OH 43081	Web
I made a payment on the XXXX of XXXX the credit card company ( Aspire ) they said it takes two days to apply the payment and was pulled out of my account on the XXXX and today is the XXXX. Everyday I call they tell me it will be available the next day and the next day arrives and its not available and they keep giving me the run around and not releasing my funds. They keep repeating the same thing over and over without releasing my funds that I paid on the XXXXThey wont even call my bank to verify the funds have been withdrawn when it clearly has been. Im not sure what they are doing with my money but something doesnt seem right.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 275XX	Web
In Accordance with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.
05/27/2019	No	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 331XX	Web
About a year ago I acquired a debt with Fortiva credit card of XXXX the agreement was XXXX a month, but a month after I suffered a pay cut of 32 hours less a month, I tried over the phone multiple times to change the agreement with no success at all they did not even tried, few months after they closed my account and sent it to collections with XXXX XXXX and after contacting them over email I explained that if I was not able to pay XXXX a month much less a settlement of XXXX, but no success I still continue to pay through the Fortiva website because they do not seem to understand that I cant afford to pay XXXX or XXXX a month
12/07/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Unexpected increase in interest rate	GA 30043	Web	Older American, Servicemember
In XXXX of this year I had a XXXX XXXX replaced By XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX. XXXX. He acquired financing with Fortiva Retail Credit and I was sold a XXXXmonth XXXX XXXX deferred interest loan. When I went to pay off the loan XXXX months later after paying all payments early and online I was hit with the fact they had been charging interest to the amount of {$800.00}. When confronted they said it had never been XXXX XXXX deferred and goodbye. The owner ( XXXX XXXX ) who arranged the loan over the phone when I signed up agreed with me it was sold as XXXX XXXX deferred.
07/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	OH 44087	Web
Back in XX/XX/2023 my aspire card was closed after I filed a complaint for fraudulent charges on my card. The people at the call center were rude consending and arrogant. At first they said I was responsible for the charges and they refused to help me. After complaining several times they removed the charges but also closed the account. I was always in good standing with them and never late on a payment. Their was an issue with language barrier when calling in getting them to listen me. Theirs no reason that their card was closed. They keep sending me correspondence saying that a new card is on the way but nothing has shown up.
12/12/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 28001	Web
I contacted Fortiva/XXXX XXXX credit services on XX/XX/XXXX about canceling my purchase before the product was even delivered, and they advised it had been canceled. I received a notice in the mail that my account had an outstanding balance of {$350.00} from a charge for this product. I contacted XXXX XXXX customer service on XX/XX/XXXX about this charge, and they advised me to contact Fortiva. I contacted Fortiva to file a dispute against XXXX XXXX, because I never received the product. They stated a dispute was open & in process, but I am still being charged high interest on my balance & my credit report is being affected.
10/30/2023	Yes	Credit card Store credit card	Fees or interest Problem with fees	FL 33032	Web
my XXXX Fortiva bill I was charged a {$30.00} late charge because my XXXX payment didnt go thru. The XXXX payment didnt go thru because the card expired and I didnt know. I corrected it immediately. They gave me the {$30.00} late fee credit. The XXXX bill was {$76.00}. Usually its {$61.00}. When I called in XXXX the rep told me the XXXX bill would be corrected. Now the XXXX bill is still {$76.00}. I called today ( XXXX ) and now Im being told its XXXX bill. So basically they reversed the {$30.00} late fee but still charging the the {$30.00} late fee by charging an extra {$15.00} in finance charges and I disagree. Its a scam!
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48210	Web
The balance on this account is not reporting accurately. The only payment terms that are in agreement with Aspire, is to ONLY pay the {$300.00} line of credit that was origianally extended to me. Somehow the balance increased to double the amount that was agreed upon. This account is now reporting fraudulent information abount me. I want this account deleted immediately. This account status should be " OPEN '', and paid as agreed. HOW CAN These credit reporting companies can report fraudulent information without penalty? Late payments for this account can not be reported for any closed account on a consumer 's credit report.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06460	Web
There was an error in my bank and it did not process a payment correctly to Fortiva. Fortiva then added a late payment to my credit report without my written permission. In accordance with the fact Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604A section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open for any purpose and Consumer Credit plan as late for any purpose.
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	PA 17011	Web
I mailed a dispute to all three Credit Bureaus regarding late payments to ASPIRE Credit Card on XX/XX/2023 they received on XX/XX/2023. The date is currently XX/XX/2023 and there is still no Notice of Dispute on my XXXX or XXXX Report. XXXX posted a Notice of dispute 60 days past disputed time frame ( 5 days after investigation ) that is required by FCRA section 623. I have never received notice 5 days after their decision which also falls under FCRA section 623. That is fine of {$1.00} per occurence. Please have them remove from my credit report and fine them for blatantly disregarding the FCRA laws. Thank You XXXX XXXX
07/29/2017	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IL XXXXX	Web
I received to a credit card offer from Fortiva by mail.I responded by phone to accept the offer. I never received the card. I did receive a bill with unknown and unauthorized charges for which I immediately completed a fraud affidavit and returned it to their company. I have since called their customer service and fraud departments over ten times in the last six months trying to get this off of my credit with no results. I never received the card, never used the card, never activated the card, and they have adversed my credit with the credit bureau and placed me for collection. I am a victim of Fortiva credit card scam.
12/13/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30297	Web
I had an alarm system installed by XXXX. I DID NOT authorize for my credit to be pulled and in no way did I authorize any relationship with Fortiva. I received a credit alert that a new credit card for {$4000.00} was placed on my credit file with a utilization of 40 percent. This WAS NOT authorized by me. I did not authorize the credit inquiry not the opening on any account in my name. I'm demanding that this account in its entirety be removed from my credit files an that any an all business relationships be ceased, in addition to the complete cancellation/return and refund or the security equipment provided by XXXX.
05/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	OH 44087	Web
Reported charges as fraudulent to credit card company they argued with me for months I finally reported them to consumer financial protection bureau they responded and removed the charges as fraudulent. But are refusing to reinstate my credit card. This card should have never been closed to begin with. If they would have listen to me in the first place this would not have happened. I always paid on time and was never late when the account was open till the refused to remove the fraud charges. Then I stopped paying. They have now removed those charges as fraud and need to send me a new card and reinstate this account.
05/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	OK 744XX	Web
XXXX Card Balance paid in FULL XXXX card does NOT work several calls to be told it works Aspire agrees to credit 2 main. monthly fees XX/XX/30 they apply one credit to this account and one to my other account ** have tried to figure this out but only get yelled at and called stupid called in more times about card problems XX/XX/XXXX they call about the past due {$20.00} dollars and refuse to see the mistake on the fee credit they cut my credit limit -- call me a LIER and say thats not true they then ding my credit i have never missed a payment on any card so why do i now have trouble with them after i pay my bill off
12/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60644	Web
Fortiva Was informed that this account was used or opened by me and this account is fraud. They informed me of the transactions placed on the account and I filled out an affidavit and sent it back to them declining and denying the charges and account. I was told by the Fortiva Fraud Dept. the account was closed with a XXXX balance and would be removed from my credit report by Fortiva Customer Service department. The account is closed but still being reported as delinquent. According Fortiva the balances and annual fees were going to be removed and the account would be fully closed and removed from my credit reports.
04/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 33880	Web
I have been disputing this debt since XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered on XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered XXXXThey since charged off this account and reported it as a charge off even after I spent months trying to reach then to dispute and I have certified mail receipts to prove it. As an American citizen, I thought I had rights that prevented a credit card company from ignoring my disputes and harming my credit. This has caused me mental and emotional stress.
04/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48197	Web
XXXXXXXX FORTIVA has furnished information on my consumer report without my consent. I do not have a account with FORTIVA. This account has since been charged off to collections to XXXX XXXX and I have not given FORTIVA permission to communicate with any third parties regarding my personal private information under the FCRA and FDCPA. I am demanding FORTIVA to pay for the violation of 15 USC 1692c. Payment to be made no later than 10 days from receipt of this notice. If this matter is not resolved I will take this matter to court and will include actual damages and request punitive damages determined by the court.
04/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 75052	Web
In XX/XX/XXXX I noticed a credit card listed on my XXXX credit report from XXXX XXXX The credit card has a {$4000.00} credit limit, was opened in XX/XX/XXXX. It was then closed in XX/XX/XXXX with an outstanding balance of {$2500.00}. I notified XXXX XXXX XXXX and they were to investigate this matter. As of today 's complaint, this account is still on my credit file with reporting of 2 late payments on my credit file. This fraudulent account has also caused my credit score to decline significantly. Futhermore, this account is only reporting on XXXX and not the XXXX other credit reporting agencies- XXXX XXXX XXXX.
09/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	CA 91607	Web
Aspire sent me a pre-approval promotion. I entered in the promotion code to see my offer, but after seeing the terms, I decided not to accept it. Aspire made an unauthorized hard inquiry on my credit report without my consent during the process. It did not make it clear that one would be made upon entering in the promotional code. I sent a letter asking for it to be removed, but they refused. I have attached a screenshot of the terms which I did not accept and thus, turned down the offer. Never during the process did Aspire make it clear a hard inquiry was going to be made if I entered in the promotional code.
02/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	GA 30281	Web
I sent in payment for my account to Aspire shortly after I received a letter stating that my account was closed. I did not request to close this account by writing or verbally. Aspire knowingly is committing securities fraud due to the fact that all statements are noticed and are already being paid in interest on my account as a set-off. this credit card company is double dipping and has already been paid from the security interest. Aspire is in violation of 15 USC 6803 USC 6805 and is in violation of the securities exchange act. they closed my account and are still trying to collect federal reserve notes from me
03/27/2018	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MN 55024	Web
I went to XXXX XXXX I had XXXX XXXX done. I had it done twice and paid in full. They recommended a third time. I opened a charge account there. I made an appointment but ended up cancelling it. In the mean time XXXX XXXX charged my account. They told me I would have to wait in between sessions. I had the last session in XX/XX/XXXX it was fully paid for. The third appointment I cancelled but they charged the account with out waiting until I had the procedure done. XXXX XXXX will not pay the amount they charged back to the credit card company. I did not get it done and stuck with the bill. Can you please help.
07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	NC 28403	Web
I received a new XXXX in the mail from Fortiva on Saturday XX/XX/2023. I did not apply for this card, authorize this card, or desire this card. The company sent me a " congratulatory '' email on XX/XX/2023, that a card was being mailed to me unless I responded. I did not see the email in time. I also received a credit alert from my credit monitoring service that my credit score had dropped because a new account had been opened in my name. I contacted the company on Saturday XX/XX/XXXX to complain that this was unauthorized. I asked to speak to a manager. They said one would call me. No one has called.
12/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11206	Web
The Fortiva credit card was paid off in XX/XX/XXXX and reported lost in XX/XX/XXXX. I completed an affidavit in XX/XX/XXXX on the lost card and submitted it to Fortiva. I have not received a response since. In XX/XX/XXXX, Fortiva is tracking an {$800.00} balance on the lost card. Fortiva asked for another affidavit, this time to dispute the charges on the account. Fortiva has been reporting late payments to my credit report on the lost card since XX/XX/XXXX. I documented the entire history in a dispute in XX/XX/XXXX again. I have heard no response upon receipt nor the next steps in the dispute process.
04/02/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 334XX	Web
This is the 3rd time reporting into this really simple dispute. ACCOUNT HAS BEEN OPEN AND CLOSED 5 or MORE TIMES WITH NO LEGAL EXPLANATION BY CREDITOR OR CREDIT REPORTING AGENCIES XXXX XXXX AND XXXX ALONG WITH THE THIRD PARTY REPORTING CREDIT XXXX AND XXXX XXXX ALSO REPORTING THE OPEN AND CLOSE DATES OVER AND OVER BUT MY AVCOUNT IS IN GOOD STANDING AND NEVER CLOSED BY ME THE CONSUMER. I AM NOT A FAN OF OPENING ACCOUNT PRACTICES THAT XXXX HAS BUT ITS AN ACCOUNT I HAVE FOR NOW. THERE IS NO OTHER RECOURSE BUT TO CONTACT ATTORNEY GENERAL AND AN ATTORNEY FOR DAMAGES. FAIR PRACTICES AND RIGHTS HAVE BEEN IGNORED.
05/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI 48187	Web
This is the second dispute with the company I recently called Fortiva Inc. and they are still giving me trouble with my dispute. XX/XX/ a bill payment was made to Fortiva by XXXX bank as stated in the previous dispute. XX/XX/ the check was cashed and on XX/XX/ the payment was due. Fortiva calmed they never received the payment XXXX bank has sent me proof that the check was cashed by Fortiva and I sent a copy of the check to Fortive on XXXX XXXX XXXX and they have yet to respond its been XXXX days total. I called today XX/XX/ and I am still getting the run around I would like some help with this matter.
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19136	Web
I have contacted the company before disputing this debt. Someone stole my information and has opened several cards in my name. The person involved was renting a room in my home and had access to all of my personal information. The person left my home without any notice and also had stolen my cell phone. During the time the person was living here, I didn't see any mail from these companies. The person living here was able to get the mail before me. I have contacted the 3 credit bureaus as well to try and find out information on why this item was on my account. This is causing a severe problem in my life.
12/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 925XX	Web	Servicemember
My wife received a letter in the mail pertaining to fortiva credit and she contacted them they asked for documentation in regards to my wife 's statement that there was identity theft on my credit as well as hers her info was leaked from one of the credit Bureau and mine through a company I applied at for employment and received a notice which was sent along with the item which provided info leaked such as name, since, address, phone, dob my wife and I have never spoke to company before calls came in but they constantly call and make assumptions that my wife and or myself opened cards with said company
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30122	Web
I received a late payment on my credit report from Fortiva. The issue is that I was paying via there portal and realized the portal was not working. I have sent them screen shots of the portal showing null when I attempt to pay. I have called and asked to speak to a supervisor and submit request to remove the late payment for XXXX weeks. Each request is supposed to be responded to within XXXX business days I have put in XXXX request to date with no answer. This was removed and they put right back on my credit report unjustly it doesn't make sense that paid in XXXX and its shows XXXX days late in XXXX.
04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29016	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
06/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NY 11206	Web
Fortiva is holding me accountable, for an account that was paid off in XX/XX/XXXX, and for the lost card reported in XX/XX/XXXX. Fraud was reported in XX/XX/XXXX, and charges were disputed. Fortiva is holding me accountable for late payments on a card, for XXXX, XXXX, and XXXX XXXX for a card reported lost in XX/XX/XXXX and not in my possession. This is being reported to XXXX XXXX, XXXX, and XXXX by Fortiva. I have requested, Fortiva in writing 6x ( six times ) to correct and remove the late payment reporting on the lost card. As of this month, XX/XX/XXXX. Nothing has been communicated nor resolved.
05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76021	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
03/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	AZ 864XX	Web
Received a pre-selected offer via US Mail from Aspire Credit Card ( Bank issuer is XXXX XXXX XXXX ). It said in bold letters under " A More Rewarding Card '' that it will have NO ANNUAL FEE, Plus earn 3 % Cash back which made it enticing for me to apply. After I applied through their instruction I was approved for {$1000.00} Credit limit but I would have to pay {$170.00} Annual Fee and a Maintenance fee of $ XXXX. I think this is misleading because that is the only reason why I applied for the card to begin with. And the disclosure did not mention anything about this in their terms from what I read.
01/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 21225	Web
I was interested in laser hair removal from XXXX XXXX. I spoke with consultant over the phone amd we set up everything when I was accepted for a loan from fortiva. However, my first appointment was not for approx 2 months away now mind you I have never even stepped foot in an office nor was there a fee for the consultation and they were calling me before I even had any services or appointments telling me my payment was passed due. It is still in my credit they were suppose to send a letter closing it and I'm still being harrased at XXXX and sometimes XXXX at night thank you for investigating this.
10/27/2021	No	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MI 48219	Web
I received an email from Fortiva in response to a secure message that I sent and was told to call in to speak with someone, so I did. I called in and was cut off, interrupted and eventually hung up on when I asked for a supervisor. The rep name was XXXX XXXX. I called back and that was also useless. This company is a joke. They do not help with anything and the language barrier does not help. Instead of trying to understand my concern both agents just got louder and was just loud and wrong! I even called back and requested a supervisor and was told that one was not available! What a complete JOKE!
10/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48219	Web
I received an email from Fortiva in response to a secure message that I sent and was told to call in to speak with someone, so I did. I called in and was cut off, interrupted and eventually hung up on when I asked for a supervisor. The rep name was XXXX XXXX. I called back and that was also useless. This company is a joke. They do not help with anything and the language barrier does not help. Instead of trying to understand my concern both agents just got louder and was just loud and wrong! I even called back and requested a supervisor and was told that one was not available! What a complete JOKE!
01/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	DC 20002	Web	Servicemember
On XX/XX/XXXX I requested 2 new cards for both of my Fortiva credit card, and retail card accounts. XXXX and Kansas delayed issuing both the cards for 1 month and a half. While they ignored ordering the card my balances kept being depleted as if they had the card themselves after every payment. The available balance would disappear. They put in another order XX/XX/XXXX and again no cards were sent for both accounts yet my available balance kept disappearing. It is not XX/XX/XXXX. I again requested 2 cards for both accounts and none arrived yet they kept apologizing in the chat when I ask for it.
11/14/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 78414	Web	Servicemember
I missed a payment in XXXX due to my mother suddenly passing away from XXXX she was giving months to live but then that changed to weeks & I wasn't aware of my payment status cause I was dealing with my sick mother and when I decided to call fortiva retail to make a payment I was only 33 days late & I explained my situation & every receptionist acts like they don't know what I'm talking about & can't help me out to where I get info to write a Goodwill letter, I've been a good customer with fortiva retail credit & plan on still using them if we can get this issue resolved by the proper department
10/03/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48186	Web
On XX/XX/XXXX, I got approved for a credit card/credit from a XXXX XXXX XXXX XXXX XXXX amount of {$1500.00}. I never used the credit that I was approved for or activated the card. The money was never touched. On XX/XX/XXXX, I filed a dispute with XXXX regarding the negative debt that the XXXX XXXX XXXX put on my credit, and it was not removed. I than contacted an attorney on XX/XX/XXXX, regarding this matter and a letter was typed up and sent out to the collection agency. I reached back out to the attorney office on XX/XX/XXXX, and they have not received a response from the collection agency.
05/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MA 01056	Web
There was a fraudulent charge of {$100.00} on my credit card by an unknown company. I contacted Aspire account services and they sent me a new card and told me it would be fixed, the next month the charge remains on my bill. I contacted them again and at this time tried to close the account and tell them I am not paying for this fraudulent charge, they refused to close the account and said that their investigation could take up to 90 days, meanwhile im supposed to make a minimum payment on a fraudulent charge. The Aspire credit card is a horrible company and has not resolved this issue to date.
06/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	RI 02893	Web
storage was broken into in XXXX XXXX NC filed a police report in XX/XX/XXXX XXXX credit card was opened in XXXX with XXXX XXXX called and closed Credit line was XXXX and it was fraud checked the XXXX account and 1 XXXX XXXX XXXX inquiry was done on XX/XX/XXXX a XXXX fortiva card was openend XX/XX/XXXX with a XXXX XXXX card has been charged on already balance XXXXXXXX XXXX XXXXXXXX card opened in XXXX with a {$300.00} limit balance on that card is XXXX XXXX There is also a alias on my credit ( XXXX XXXX XXXX ) address reporting as fraud to the cards are XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
11/17/2023	Yes	Credit card Store credit card	Fees or interest Charged too much interest	CA 92056	Web
I was charged the intrest of 29.99 % for the whole month of XX/XX/2023 while I made a payment of {$300.00} on the XXXX of XXXX. It left the balance of {$9.00} and I should be charged the % for the rest of XXXX from XXXX on that amount of {$9.00}. They however charged me % of {$92.00} for that whole month. They already received my payment on the XXXX. They unlawfuly kept charging me the % for entire month. It all happend after my deferred intrest of 6 months ended. I had deferred interest for 6 month from XXXX of XX/XX/2023. People beware of this bad company-XXXX XXXX Fortiva Retail Credit .
01/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IN 467XX	Web	Servicemember
Aspire cleared the transaction history so I could not view it to hide that they " reversed '' an automatic payment, which was not refunded to my bank account, and then charged me a late fee on the day that I made my next payment. The automatic payment was according to my bank statement XXXX, and they said it was XXXX. Also, the late fee was about that much as well. They agreed to refund the late fee, but refuse to refund the false fee reversal claiming that it is my bank. Clearly they are hiding shady practices, and if my bank, XXXX XXXX XXXX, had received a payment for me, I would have it.
10/21/2022	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	AR 72712	Web	Older American
Somebody has applied and received an Aspire Credit Card and spent XXXX and has not made any payments. This has hurt my credit score drastically. There are also XXXX XXXX Account number XXXX XXXX Account status Pays as agreed Available credit {$1000.00} Reported balance {$1000.00} Credit utilization 100 % Date opened XX/XX/2022 I spoke with a Customer Service rep named XXXX. He did tell me that the SS is different from mine. He is mailing me some paperwork to fill out to get an investigation started. I What can I do to get all this off my credit report? I want to pursue this and prosecute.
10/17/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 464XX	Web
I paid off my account over a year ago. The company fortiva called me to say I still own them money, after their internal investigation, they decided I do not own them a dime. But yet they keep calling. So late month in XXXX, one of their reps said i still own {$1.00} for membership. I told me I was not aware that i was a member since my credit appication was from XXXX XXXX XXXX. To avoid the harrasment of calls, I paid the {$1.00} via my bank account. I pull my credit report today and they report me as late, which I was never late, my business with them was complete as off XX/XX/XXXX.
09/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	DC 20002	Web	Servicemember
In XXXX I ordered a new card. The card never arrived. I noticed Fortiva kept pushing card over the spending limit and reporting false information to the creditors. They kept the card they were supposed to send to me, and instead spent the card over the limit and reported false information. When I discovered they did this I asked for a new card and they told on themselves and claimed they been sent it to me even after I told them I never received it or used it. Someone at Fortiva was using the card driving up the limit on the card while refusing to send me the one that was ordered for me.
04/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PA 166XX	Web
I have had several credit cards comprised threw out 2021.some transactions have been fixed but still continues to happen now my credit is ruined.most of which don't understand English and nothing has been done so I gave up.i asked to be canceled and they said it could not happen until balances were paid in full.cards were as follow Aspire XXXX XXXX XXXX XXXX XXXX XXXX And there was also one opened in my name that I kept getting turned down for even with a pre-approval. Turns out it went to collections and they said I have had it since XXXXmy credit is ruined and nowhere to turn XXXX XXXX
11/01/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 30114	Web
I did a chat with an Aspire Representative on their website today XX/XX/2020 after making a payment. I chatted with XXXX. At XXXX XXXX I requested to have my monthly fee waived on {$12.00} due to Covid-19 pandemic and that I am unemployed due to the pandemic. XXXX immediately responds back at XXXX that my request was denied and does not provide me any reasons. I have a good payment history and no of that was even viewed or taken into account. Due to me being unemployed I am working hard to pay off my Aspire balance and having a {$12.00} fee assessed monthly during a pandemic is INSANE!
09/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	NY 146XX	Web
Applied for card XX/XX/XXXX Did not receive card in mail even though I moved mail forwarding would have sent it to new address Call 1 refused a new card told they would not send me another tell such such date Call 2 demanded a new card sent and annual fee charge removed as how am I owing and have no card! Call 3 told no again stated I need to send proofs of me being me and address, they never updated it from the start of this Call 4 told I had to wait 14 days to get card the original they used the same excuse and never got that one This is a SCAM they charge and give you no card
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22980	Web	Older American
Fortiva continues to not report my credit card data to all three credit!! This has been in existence for 17 months! Fortiva refuses to try to understand and or do anything about it! I have submitted complaints and Fortiva lies and says they have been working on the problem! They have not! My account is not even a tradeline for XXXX or XXXX! They just ignore this and as I continue to point out that updating a non-existent is not working! They have to establish Fortiva as a Tradeline for those bureaus but refuses to do anything about the problem! Can you please help me this time?
06/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NV 89147	Web
I cancelled my credit card 5 months ago because they charged me and annual fee. There was a balance of approximately XXXX XXXX when I got my next statement after closing the account not for the interest but each month they have been charging a XXXX maintenance fee! Im about to make my last payment to them they have XXXX me out of {$60.00} for closing that account all of my crudits cards are paid off and none others have ever charged annual or maintenance fees! The c/c company is Fortiva there phone number is XXXX XXXX XXXX and correspondence address XXXX XXXX XXXX XXXX GA XXXX
08/17/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48174	Web
I am guessing that this account was sold to XXXX XXXX XXXX, XXXX under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had covid and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back
11/28/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 334XX	Web
The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.
09/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information is missing that should be on the report	VA 22980	Web	Older American
Fortiva has not been reporting my credit card for the last FIFTEEN months! They report to XXXX but not to XXXX or XXXX! I have submitted previous complaints to CFPB to no avail. Fortiva reports to CFBD They are reporting scores and that is the end of it! However, there have not been reported scores since XX/XX/2021!!! This is in violation of the Fair Credit Reporting act as you well know! Please take some action rather then believing that Fortiva is keeping my credit line up to date, which is a lie! Ask them for proof and take this seriously as this is a federal law!!!!!
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77346	Web
On XX/XX/22 the company stated they would have their trade line deleted from all consumer reports, however that has not occurred. Instead the CRAs are stating the account has been verified. How is the account being verified when the company failed to provide me with validation of the inaccurate reporting? Ive asked to be sent line by line itemization of how and when my credit limit increased from {$350.00} to over {$1000.00} and have not been sent anything. The company states they are not able to provide any assistance to this account because its not in their possession.
11/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 43613	Web
Fortiva Credit Card charged me a erroneous late fee of {$28.00}. The due date is the XXXX of each month. I made my XXXX payment on XX/XX/XXXX prior to the XXXX yet they did not post the payment until after the XXXX. They had the payment, but they did not post it until I asked them why they did not post it. After they posted it they then charged me a late fee of {$28.00} even though the post date indicated XX/XX/XXXX on my account on their website. I emailed them several times inquiring why I was being charged a late fee to which I got no response so I closed the account.
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NH 03102	Web
On XX/XX/23 I received a pre approved credit card offer from aspire bank that said to scan the QR code provided to find out more information. I did as so. After reading through they outrageous annual and monthly fees I declined the off and did not submit an application. The next day XXXXASPIRE showed up on my credit report as a hard inquiry. I am trying to rebuild my credit score and even a small hard inquiry is a big deal to me. Especially since it was a pre approved offer and an offer I declined to take. I feel like I was wrongfully taken advantage of by this company.
05/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web	Servicemember
Fortiva is trying to charge me {$2000.00} were ideal image refund them for a membership that I did not use I canceled in the fashion manner. I sent Fortiva proof what it was put back on their account way before a payment was due. I also contact ideal image and they both are saying the same thing they can't understand what happened what but I have proof that ideal image refund for fortiva and fortiva said that they didn't refund it!! I feel like it's an matter between the two companies and they need to fix it it's not my responsibility and it shouldn't be on my credit!!
01/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 17110	Web	Servicemember
Aspire Credit Card has committed an act of financial discrimination by not accommodating me under regulation e for a dispute filed XX/XX/2020. XXXX Credit Card has not fully disclose my terms and conditions they have charged me fees not within my terms and conditions they are in violation of Regulation Z also. I spoke with a customer representative name XXXX she was very discriminatory and didn't help whatsoever she hung up on me on. I have also found a Dodd-Frank violation complaint against customer service rep XXXX who I spoke with today at XXXX Eastern Standard Time.
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30518	Web
I am calling about a discrepancy on my credit report with the following company XXXXFortiva They have updated the report like they received payment and when I called the company and spoke with XXXX XXXX. She said that I am in bankruptcy and they can not remove the account. I explained to the lady that I am not in bankruptcy and was trying to settle to get the information removed from a credit report. I was unable to get any resolution for them. This is preventing me from getting a mortgage so I want the account removed from my credit report. The account is 6 years old.
03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85035	Web
References : XXXX & XXXX Fortiva has continually missed the bar when it comes to keeping the reporting correct on my credit report. on XX/XX/XXXX XXXX XXXX assisted me in getting a trade line corrected and re-placed as it was deleted in error. I just noticed that at sometime the corrections have been MODIFIED without my knowledge possibly costing me a good score for a recent attempt for a motor vehicle loan months in question are in the year XXXX ( XXXX, XXXX, XXXX ) they were covered in the complaint ending in XXXX This account should be listed as PAID NEVER LATE.
09/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 280XX	Web
Refer to case # : XXXX. This has NOT been resolved. Against my better judgement I made payment ... what choice do I have? credit is taken a hit thanks to this infuriating company. Again NO RESOLUTION HAS BEEN OFFERED OR ATTEMPTED other than form emails I have been receiving from the beginning. I have explained the situation MULTIPLE TIMES Even attached screen shots also describing this issue in complete detail each time. How is there to be a resolution if the company responds to my emails each time as if it was the first time I've reached out/explained this situation?
08/27/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77389	Web	Servicemember
I purchased a prepaid skincare package through a company called XXXX XXXX XXXX. The package was financed through Fortiva. In XXXX of 2014, XXXX XXXX XXXX abruptly closed its doors leaving customers such as myself with outstanding bills for treatments that were never received. I had made payments on my Fortiva account until the provider closed. I stopped making payments because I did n't feel I was responsible for paying for services that I did not and would not receive. Fortiva has reported late payments on my credit reports is now threatening a charge off collection.
01/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AZ 85210	Web
So the incident occurred in XXXX of XXXX when my identity was stolen and there was a {$700.00} charge or something at a XXXX in Arizona so basically the whole credit limit was used in XXXX transaction. I spoke to the card company aspire and they took it off of my record and found that it was fraudulent. Well since then they have brought it back up XXXX separate times causing me to lose and I placed to live my XXXX XXXX everything. They lie about when the purchase was to happen I want a receipt of the purchase and I want video because this is absurd and an harassment
06/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	FL XXXXX	Web
My account was flagged for bankruptcy mistakenly by my creditor and my account was frozen. I am a XXXX XXXX and rely heavily on XXXX advertising. XXXX pulled my adds once the bank in question placed my account, unlawfully, in bankruptcy. This resulted in a loss of revenue and sales for the duration of 7days until the dispute was settled and they returned my account to good status. As well, I suffered mental anguish and distress, taking off work from my regular job to correct this. Clearly, by their own admittance, they were at fault and I seek financial retribution.
12/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OH 452XX	Web
This started with the XX/XX/2022 statement when I noticed unauthorized transactions from getting a new card the card being expressed to the person, which I don't know. I contact the credit card company and thought everything was solved and told new card with new number would be mailed in to to 15 days not received as of yet. Call the credit card company today and was told the account was closed and a new card WOULD NOT be issued. I have talked to both their customer service and also their fraud department to settle this several times and get a different answer.
06/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	OH 44087	Web
Aspire card closed my credit card account back in XX/XX/2023 after refusing to remove charges that were fraudulent..they refused to re open the account but are still sending me correspondence asking for details of transactions fated XX/XX/2023 saying a new card would be mailed to me. Why did they do this if they arnt opening the account? Iam going to sue aspire card for discrimination if this account isn't reopened. Those charges were fraud and I'm not responsible for them. I was in good standing before this happened. I had reported the fraud in a XXXXXXXX XXXX.
09/04/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 331XX	Web
I got approved for {$350.00} with Aspire MasterCard however there was a fee to pay in order to get the full credit so, I paid this fee. I never got to use the card once because when I tried it was always declined so I chatted with them and I was advised that account was closed due to inactivity on XX/XX/2021 and they never sent a message or letter letting me know this. This company ripped me off and they just said the account was closed and thats it. I cant believe that here is the US they let this awful people get away with something like this. Thank you!!
04/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NJ 077XX	Web	Servicemember
I noticed an unauthorized charge on a credit card I NEVER used and I immediately called them so they sent me a new replacement card and a fraud form which I filled out and sent back a week ago. When I called today to see what was going on they said I had to pay the minimum payment until the investigation was complete which takes 60-90 days.unacceptable I said but they refused to understand my concerns.they said if u dont pay than I would be hit with late fees and missed payments on my credit report. The credit company is called Aspire. The amout was {$280.00}
10/21/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12601	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX/FORTIVA Account XXXX : XXXX This is not mine.
10/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 08859	Web
I was supposed to receive COVID-19 assistance from Fortiva, now I complained back in XXXX of 2021 regarding not receiving statements to be able to make statements. The only time I receive statements is when the account is past due and they have charged late fees to the account. I have contacted them regarding this same issue 4-5 times previous and it is the same thing. They will change the due date so called credit late fees ( which I don't see ) then I won't receive a statement again for 1-2 months. To me this fals under statutory lending, and false billing.
01/26/2024	Yes	Credit card Store credit card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
After reaching out to this company dispute a fraudulent card in my the company used my personal information to update the account and reopen the account after fraud. This is engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and i did not agree upon this or ask them to reopening this account. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53218	Web
TBom/fortiva has interfered in my rights to life, liberty and the pursuit of happiness. This company have not shown a true bill or an Affidavit sworn under penalty of perjury that I actually own this debt. All obligations of debt are of the United States so for this company to ruin my reputation by way of the consumer report without proper due process it is a violation of my alienable rights. Contract law states that a binding contract has to have mutual assent and consideration ( meeting of the minds ). I was not given a loan as this company has stated.
08/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 90802	Web
I have found out that a credit card was opened under my name without my permission per my credit report that an account was open under my name to Fortiva XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have contacted this company XXXX times and sent over a police report showing fraud was committed. The address that the alarm was added to was an old address I use to live at in XX/XX/2017. I moved out of this house and now reside at a different residence. Every time I call they state that their going to remove the account and nothing happens. This has been over a year.
06/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MO 64134	Web
This company Apire Credit Card closed my account and told me they closed it due to payment return history but I am disputting there claim because they violated my rights an also took my money and ruined my credit. This company put my account on hold because of I told them dispute unauthorized charges from XXXX XXXX XXXX and they charge me over {$1000.00} and every since that problem my card was closed but before then I had and availbe credit of {$290.00} but not they say i owe then {$290.00} and my account closed. The proof is in the statments i uploaded
09/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 19138	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00} XXXX/XXXX XXXX Balance-
01/10/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	LA 71111	Web	Older American
I made a payment to XXXX for the amount due on the due date. It was after I got home from work, about XXXX XXXX and submitted it. When I checked my statement today I saw they charged a late fee of {$37.00}. The due date was the XXXX of XXXX and made on the XXXX. They processed it on the XXXX. When I questioned them on the charge they said I made it after XXXX Eastern time. There is no place on the statement giving a time restriction. If that was the case they should have required it be paid a day earlier so they can do their job and post it properly.
08/12/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	MA 02745	Web
I made the purchase on XX/XX/2022 at XXXX XXXX XXXX through Fortiva. For every month I have paid either the minimum amount of {$60.00} or some months even up to {$80.00} on the XXXX ( due date ), but they have charged me a late fee os {$41.00} every time because the payment was made after XXXX. I read the clause and there is no place where it says payment should be made before XXXX, it says it should be made on the due date on a timely manner. It does not specify time. Now they are refusing to do anything about it, even after I paid them every month.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39466	Web
In Accordance with the fair credit reporting act, XXXX accounts : XXXX, XXXX, XXXX, and fortiva have violated my rights. I have made repeated phone calls and sent out letters concerning any and all late payments. 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CT 064XX	Web
I had workable credit card business relationship with Aspire credit card co. I sought to close my cc acct back in XXXX of XXXX. I contacted Aspire by phone, made full payment to close this credit card. It took Aspire over one month to withdraw the final payment. Subsequently my closed Aspire cc incurred a penalty fee of {$190.00}. They sold it to a collections agency, XXXX XXXX and profited off this. XXXX XXXX has humanely worked with me but expect a XXXX payment. This should be a XXXX balance without profiting off collection sale of my cc account.
12/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	TX 76006	Web
I opened an account with Fortiva with a {$2000.00} credit limit and the very first bill I received already has {$4.00} of interest charged on the account. In addition, I am being reported to the credit reporting agencies as overlimit. This is a deceptive practice to charge a customer interest before they receive a bill and report this inaccurate information to the credit reporting agencies. I called Fortiva and they were unable to assist so I would like the interest removed and the credit reporting updated accurately in accordance with the FCRA
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63011	Web
15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This companies are in violation of this code 15 U.S. Code 1666b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17552	Web	Servicemember
[ Fortiva Credit Card ] : Thank you for making your XXXX payment to Fortiva Credit Card. Your payment confirmation code is : XXXX Payments received on weekends, holidays or after XXXX XXXX will be applied the next business day. Your payment will be drafted and posted on XX/XX/2022. I paid this bill they told me they would fix it i told them. that i had all the information now i am getting charge late fees and they will not fix it, I have been paying them on line and never had a problem till now please help me here I do not know what else to do
03/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 606XX	Web
Fortiva XXXX XXXX, XXXX XXXX XXXX, AT, GA XXXX incorrectly included me in the population of their customers who received hardships due to COVID-19 pandemic. When I called to inquire about why I had received this letter and was included in this population when I paid off my account and told them to close it immediately, they kept reading a scripted response and refused to answer my question. I asked them to remove me from this population given it was incorrect and received no response. I did not receive any assistance from them for CoVID hardship.
04/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	TN 374XX	Web
Hello, I had a bank open up a new credit account in my name without my permission. They have sent me a credit card as well. I use Fortiva Bank to finance my home security system. In XXXX they sent a notice via email saying that they would be opening up a credit card account in my name. I did not see that email and saw on my most recent credit report that a new account had been opened in my name. I have attempted to resolve with the bank directly. They have not been receptive. I do not want a new credit account with them, much less need it.
01/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33324	Web
I tried making a payment on this account multiple times last year and I could never access the system. The creditor could not pull up my information and when they found my name in their system the refuse to speak with me because they adviser the date of birth on file and social does not match what I provided to them verbally. This accout Has caused my credit to drop significantly and has also hindered with creditors. I would like this account removed from my credit reports The creditor is FORTIVA XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17552	Web	Servicemember
[ Fortiva Credit Card ] : Thank you for making your XXXX payment to Fortiva Credit Card. Your payment confirmation code is : XXXX Payments received on weekends, holidays or after XXXX ET will be applied the next business day. Your payment will be drafted and posted on XX/XX/2022. I paid this bill they told me they would fix it i told them. that i had all the information now i am getting charge late fees and they will not fix it, I have been paying them on line and never had a problem till now please help me here I do not know what else to do
04/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MO 641XX	Web
The card I was issued, I just activated because of an emergency issue. The amount due was {$31.00}. The company took {$97.00}. ( confirmation # XXXX ). Now they're saying that I owe them over {$300.00}. THAT was the card 's credit limit. I only used the card one time. I activated the card a month ago. When I spoke with someone in customer service, the individual ( their name went blank ), repeated that I did owe this amount even after they admitted to taking the {$97.00} and abruptly hung up the phone. I want to sever this account immediately.
06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 60714	Web
After reporting a fraud charge on the account the company told me to continue making payments while it is being investigated. Once he investigation was finalized they determined it was fraud and I was told they will be sending me a refund check. This was in XXXX. I havent still received a check. Every time I call they say it will be arriving in 3-5 days. The last time I called they were not able to see my info due to system being updated. I already reported them to XXXX but nothing happened so far. They are holding money that is not theirs.
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27265	Web
On XXXX XXXX an account I had with Fortiva a retail credit account for XXXX was closed by the company. My balance is XXXX with 100 percent on time payments. The company which is Fortiva said it was cancelling the contract it had with XXXX. On my credit report in the remarks it says closed by consumer ( me ) which is incorrect. This caused my credit score to decrease by XXXX points. My account was in good standing but was closed because the finance company terminated its contract with XXXX. This is caused a derogatory mark against my credit.
03/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Account sold or transferred to another company	GA 30052	Web
I was approved for payment protection protection due to my lost wages from covid 19 and 1 month after payment was was delivered to my account account was mysteriously closed without informing me account has been closed unjustly and illegally creating a negative remarks on credit report I paid Monthly fees to be able To use this option of needed toaccount for this company and has been what does it cost me for over aover here no resolution has been made company not performed due diligence and I am forced to reach out to the bureaus for help
11/29/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NY 11413	Web
I do n't remember this credit card to be honest I receive a letter from the XXXX of new York saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be Sue for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was Sue before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 731XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Also I did not receive a Model B-1 or B-2 notice. 623 ( a ) ( 7 ) 15 U.S.C. 1681 621 15 U.S.C. 1681
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30214	Web	Servicemember
Under the FCRA 15 USC 1681 section 602, my rights to privacy have been violated by XXXX XXXX, Atlanticus, Fortiva, by putting late payments on my credit report due to improper use of my credit report.under 15 USC 166B section 2. I have written to all credit bureaus to show I did not consent to several companies pulling credit checks which is fraud such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX which were all done on XXXX XXXX. I had a deal with XXXX XXXX with no money down already approved
10/22/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30045	Web
XXXX XXXX is constantly trying to collect on a debt of which the amount and or debt is incorrect I made numerous attempts to contact XXXX XXXX and I was met with a lawsuit despite my numerous attempts to recover founded informed so I may check and despite any inaccuracies. XXXX XXXX refuses to furnish ne with a copy of said information and I fear that this default will result in garnishment of wages. I recieved three accounts from XXXX XXXX XXXX on XXXX Aspire XXXX Aspire XXXX These amounts are incorrect and need to be corrected
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33511	Web
XXXXXXXX XXXX - HOMEDEPOT CONSUMER CARD REPORTED TWO LATE PAYMENTS WHEN I PAID CARD IN FULL IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C. 1681 SECTION 602 SAYS I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
04/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NC 28212	Web
I have an Aspire credit card. Small credit limit but I ve used the card during a time my wife has faced serious health issues. I was late twice by a few hours as they have this XXXX EST CUTOFF on payment dates and had a large payment due. Aspire promised a {$75.00} credit if I made a payment of XXXX by XXXX. I made that large payment on XXXX and no credit given. 5 conversations now where I ve been promised the credit within 14 days from date of XXXX. I still have not received credit and do not believe I will receive. Thats wrong.
05/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	LA 700XX	Web
I have gotten several emails welcoming me to Fortiva, stating I have a payment scheduled for {$99.00}. I have never heard of this company, and I havve one credit card in 4 years or more. When I called I was asked to supply last 4 of my SS, zip code, first and last name. When she was not able to find an account under the last 4 of Ss number and zip code I refused to provide more information that may allow an account to be linked to me via fraud. I also called from a phone not registered to me as I suspected it to be fraudulent.
11/19/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TN 38116	Web	Older American
An unauthorized charge of {$160.00} was made on my XXXXFortiva XXXX on XX/XX/21. The payment went to an entity called XXXX. I have never heard of or used this company. I immediately contacted XXXX and they canceled the card and issued a new one. Two other fraudulent charges, another to this same entity and one to another entity were pending when I notified XXXX and those never posted to my account. I have submitted a fraud statement but the charge, plus interest is on the account and the account is being reported as delinquent.
08/24/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NY 119XX	Web
I was approved for Aspire Credit card with a XXXX credit limit. They have already charged me XXXX activation fee and yearly fee. I was able to use it twice. Since then have called them 3x bc purchases are being denied. They say a hold was put on card. But there is no reason for a hold.They have not cleared hold. I informed them there has been no fraud. It seems they are a con to prey on low credit score XXXX people like me. They are supposedly through the XXXX XXXX XXXX Called them on XX/XX/XXXX, XX/XX/XXXX 2x, and XX/XX/XXXX.
10/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48092	Web
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they did not respond. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. Both letters were delivered to the company, and I have a copy of the return receipt and tracking numbers. Tracking number for 1st letter : XXXX XXXX Tracking number for 2nd letter : XXXX XXXX
02/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	DC 20002	Web	Servicemember
Fortiva sent me a credit card. XXXX days ago. The card has never been used and is inactive. A jealous employee who is jealous for no reason put a suspension on the card XXXX days ago for no reason. XXXX XXXX employees have been bullying my account there intentionally. There are no recent reports made on my behalf on my account. They did this without reason. First they blocked me from making payments. Then they blocked me from using the card after it arrived. I can not keep begging to use my card.The are not being reasonable.
09/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	IL 60426	Web
I applied for a credit card with Fortiva XX/XX/2022. I recieved an notice of denial stating that income is insufficient/low. What law requires consumers to have a certain amount of income to attain credit? How does Congress define income? Denying me credit has had a discriminatory effect and has caused me to delay in getting life essentials for my my family. Not having access to the credit needed is taking a toll on my family and my XXXX from the stress of not being able to get the things my family needs when we need it.
11/12/2018	No	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	TX 79423	Web	Servicemember
Purchase amount of XXXX usd. Interest defered for 6 months. The company backcharged 6 months of added interest at a rate of 29.90 % violating the terms and conditions agreed to by the consumer Consumer has paid over {$700.00} usd ytd on credit line of {$1500.00} and current balance shows as {$1200.00} usd. Consumer has tried to ask why this ballance is so high and company reverts back to interest defered promo and states lump sum of interest Company is reporting to credit bureaus and is a foreign entity operating off shore.
09/06/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MO 630XX	Web
The company continued to charge the statement balance. They were small transactions throughout the billing cycle. However, they charged me the remaining statement balance as a full payment. Example, I may have only of used {$50.00} in credit for the month of XXXX but they charged me XXXX dollars which would be my statement balance, and included it into my balance, ( see attached documents ). They continue to do this month after month even after I called and explained that this was an incorrect and unfair business practices.
08/28/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91784	Web	Older American
Fortiva, has consistently marked my account as late when it is due on the tenth of each month ..but has a grace period of 15 days there after for the payment to be actually paid I have always made my payments within the 15 day grace period however they keep harrasing me saying that I am late. I have told them to read their contract ... but they continue to harrass me to no avail I am XXXX years and want these phones calls and harrassment from these people to stop their e-mail address is XXXXXXXXXXXX XXXX XXXX, XXXX, ga.XXXX
05/26/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77034	Web	Servicemember
We have a loan with XXXX. It shows up on our credit report as a credit card. They will NOT accept a payment via a credit card, only debit or, their preferred method, direct access to our bank account. We have thoroughly reviewed our agreement and the payment options on THEIR website, and it does NOT say that credit cards can NOT be used for payments. Upon making a payment, by debit card on the phone, only a confirmation number is given, with no way to request or print a receipt. They do n't give receipts, not even by email.
10/22/2022	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	CO 80909	Web
I finished making payments to XXXX and they said my bank reversed payments from my account which they never did ... .I paid off credit card and the account was closed. Now over a year later they are saying their system says I still owe money ... my account is closed and they removed money from my account without my permission. This is banking theft!!! Fortive worst credit card company I will never use them again. I don't have the card anymore I threw it out. They were also supposed to have someone call me but never did!
07/24/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NE 68116	Web
During COVID-19 Pandemic the above company closed my clients account because of a payment that got rejected by the bank due to the complaints job layoff and no pay that came in until he received unemployment. Since, that failed payment, the complainant has made all payments on time with no issues. The credit card company Fortiva was contacted about allowing the account to opened back up because of one single oversight due to the pandemic. They have declined to comment or say there is nothing they can do to the complainant.
09/08/2016	Yes	Credit card	Payoff process	MD 20740	Web
I am desparately seeking your assistance with having a creditor ( that was paid in full per a mutually agreed upon settlement payment offer in 2013 ), with continuing to NOT report that the account been satisfied ( in 2013 ), and by constantly reselling it to collections agencies. I do have my proof that this debt was paid and settled via a letter from the law firm that originally handled this matter. The creditor is XXXX XXXX issurer of the ASPIRE credit card. Further information can and will be provide upon your request.
07/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Credit card company won't increase or decrease your credit limit	MO 630XX	Web	Servicemember
I was sent an email on XX/XX/2022 that my credit limit would be adjusted from XXXX to XXXX So I called this morning. My credit limit was XXXX, but they lowered it to XXXX. I had a balance of XXXX on the card. Their reason was because I have not made a charge in the last XXXX months. I explained that it has been several times that I have not made a purchase within a 2 month time span and by lowering my credit limit it will affect my credit score. They said it was nothing they could do and refused to put my limit back.
01/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA XXXXX	Web
FORTIVA is reporting my account # XXXX as a CREDIT CARD on my credit files. This account should be reporting as a LOAN. I just at the beginning of this 0 % 60 month term loan, therefore the balance is still high, due to it's my first year paying on it. This is causing my credit score to drop horribly because by Fortiva reporting it as a credit card instead of a loan, it's showing that I have a high utilization rate. Please update this account from reporting as a credit card to reporting as a installment loan. Thank you!
01/12/2016	Yes	Credit card	Customer service / Customer relations	TX 78660	Web
The company Fortiva has provided misleading information when it comes to submitting online payments and their customer service is horrible. I normally pay all my credit cards online because I feel safer if I am able to submit an online payment. Every time i have tried to submit a payment online the website it always under maintenance no matter what time of day it is. Which leads me to believe that this method of payment is not available. This is very misleading as mentioned on the statement this is a method of payment.
05/06/2019	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92677	Web
On XX/XX/XXXX, i received a letter from XXXX XXXX XXXX trying to collect a debt for a bank called XXXX credit card. On XX/XX/XXXX, i then sent a letter explaining that the debt had been paid in full according to my knowledge, i requested a debt validation of which they refused to respond instead on XX/XX/XXXX XXXX XXXX sent another letter demanding me to settle the debt without validation. The account was put on XXXX XXXX in XXXX of which the statue of limitation has expired in XXXX to collect a debt in California.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20879	Web
I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND FORTIVA STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX!!!!!
08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	NJ 07302	Web
Fortiva account i am not aware of this as well as the credit one I have a complaint filed on this credit compang for not securing my info.i had my partner talk to them and no verification process nor asking consent from me but all was told to my partner.and that is the reason why i called to them is someone opened an accoint under my mame so i am not surprised that theyet some one used my name. All the i quiry is note.i was in XXXX for 10 days still recovering till now i was sick from XXXX and just revoreing now
07/16/2023	Yes	Credit card or prepaid card Store credit card	Credit monitoring or identity theft protection services Billing dispute for services	GA 30228	Web
I have a new account with Fortiva and the first payment was due XX/XX/2023, they have reported the account 30 days late on XX/XX/2023!! I called and spoke with a supervisor over there on Friday XX/XX/XXXX. Her name is XXXX, she advised me the account was not reported late. I advised her that I have proof from XXXX and XXXX that account has been reported late.. I would like for them to resolve this issue and correct error reported to credit bureaus!!!!! This is hurting my credit file and was done in error!!!!!!!!
08/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93720	Web
when i checked on my account with XXXX i found this reporting, Account info Account name XXXX/ASPIRE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Closed. {$100.00} past due as of XX/XX/2022. Status updated XX/XX/2022 Balance {$1500.00} Balance updated XX/XX/2022 Recent payment XXXX XXXX Monthly payment {$100.00} Credit limit {$700.00} Highest balance {$1500.00} then i recognized this is a fraud, then i called the creditor and they recognized its a fraud.
08/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 321XX	Web
I have been a victim of identity theft and due to the fraudulent activity ( including fraudulent payments ) I was told that once the provisional credit hits my account the manager advised me that my account would be opened ( since the reason for the closure was not my fault and I am being punished for something far out of my control. They requested that I send the fraud of affidavit, police report, and the statements showing close to XXXX in fraudulent transactions and XXXX plus XXXX in fraudulent payments.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20879	Web
I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND FORTIVA STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL 3 CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX XXXX, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX
05/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	DC 20002	Web	Servicemember
My balance has been the same for 3 months despite me overpaying on payments to the card earlier than the due date. The balance owed has stayed the same and the company Fortiva has not been crediting the payments to the card balance. If I made 3 overpayments and the balance was {$2000.00} owed, and my minimum payment is XXXX and I made {$300.00} payments 3 times, the balance owed should not still be {$2000.00}! Fortiva has refused to credit my last 3 payments to my account balance on account ending in XXXX.
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 122XX	Web
On XX/XX/2022, Fortiva put a remark on my account and the credit bureau dropped my credit score by XXXX points. I called and asked what the remark was for and to get it off my account and nothing was done, I was told to make a dispute with the credit agency. This also happened on XX/XX/2022 when they put a negative remark on my account for 1 late payment by less than 10 days and XXXX points dropped from my credit score. After I contacted them, not even half of those points went back onto my credit score.
06/18/2020	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	IN 46123	Web
was in constant contact with XXXX XXXX and requested they advise all financial institutions we were in dispute and they neglected and refused to do so! This has resulted in delinquent status and late fees and payments on two of my accounts and a third now insisting I pay interest although the account has NEVER been utilized and I never authorized the opening of it. At the time I didnt know I could dispute the account entirely and was mislead since it was already open in my name and on my credit report..
01/15/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American
This account is disputed in its entirety. I demand proof of debt including a complete cardmember agreement which will include any arbitration provisions or provisions regarding class actions permissibility. Every account of mine has been disputed with cease and desist notices sent to every credit which was served upon every creditor on cease and desist notices filed in CFPB complaints on XX/XX/2023. If disputed account was purchased, debt buyer must produce copies if cardmember agreement and documents.
09/18/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 48103	Web
I have cancelled autopay and deleted all banking information from Aspire credit card. However Aspire refuses to stop initiating unauthorized transactions against the said banking account. I have contacted the company on 4 different occasions ( twice by chat support and twice by phone ) and each time I was assured that no more autopayments would be tried to be pulled from my bank account. Although they assure me this won't happen again, it continues to happen. Please help me stop this unlawful practice.
08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23112	Web	Older American
I recently discovered that Fortiva XXXX is reporting a charged off credit card on my credit report. I never applied for a credit card with this company and never received any communications from this company. I was a victim of identify theft in XX/XX/2020, when I moved from XXXX XXXX to XXXX XXXX. Please remove all delinquent reporting and delete the trade line from all credit bureaus. I am in process of buying a home and this showed on my credit report and is impacting the process. Please remove ASAP.
03/01/2022	Yes	Credit card or prepaid card Store credit card	Improper use of your report Reporting company used your report improperly	MD 21060	Web
I paid my balance in full with XXXXFORTIVA XX/XX/2019. After I paid the balance in full, I asked the company to closed my account in XX/XX/2019. XX/XX/2019 FORTIVA reported a late payment to all 3 credit bureaus. I have called this company several times over the last 3 years demanded that my account be closed and it has taken this company 2.5 years to close my account, that should have been closed in XXXX XXXX this account was NEVER paid late because it was paid in full 3 months before reporting late.
07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NC 28214	Web	Older American
I purchased equipment through XXXX XXXX and financed through Fortiva. They upgraded my account to a XXXX XXXX without my permission. They said they sent an email where I was to opt out before some date in XXXX. It went to the Junk file. They moved my balance to this XXXX card. This is predatory. I did not want nor approve this card. No one should get an upgrade like this. Plus, my payment history disappeared. Totally inappropriate. I feel my age was a factor in thinking they could get away with this.
04/30/2023	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	NY 12303	Web
I called in XXXX to close my account due to not using it and getting and email someone was trying to log into my account. In XXXX I realized they never closed the account because I got a bill I called to have it straightened out and the guy said he removed the charge and the account was closed. I just got another bill for this account and I called to ask about it and Im being told its a late charge for not paying the last bill when I payed off my card in XXXX and it should have been closed in XXXX!
03/05/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 75038	Web
I keep getting a call about them delivery documents to me or my place of employment. The credit card company no longer exist Salute. I was told that I owe them about XXXX back in XX/XX/2021. This over 18 years old. XXXX XXXX stated if they can not give me the documents it will be reported to the company as a refusal. No company name is given only a phone number XXXX. She said that she was with a courier service no name given of the service she is with. The call shows up as unknown or no caller ID.
01/12/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 32765	Web	Servicemember
FORTIVA Credit Card. Ok I payed This card off a few years ago. I did something with the Bank and this was on the list of late payments. Apparently my account has built up late fees of {$14000.00} Not One call or Email or Regular Mail from them. I payed this off again a few weeks ago. What my complaint is I called and got the runaround a few times And the Fact that Nobody from that company even tried to reach out to me. People wonder what drives people over the edge. Well its XXXXXXXX XXXX This.
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 20176	Web
I submitted a fraudulent charge affidavit with ASPIRE credit card company and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the XXXX XXXX XXXX 's XXXX, XXXX, XXXX and they failed to investigate and remove the negative item from my consumer report.
12/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 275XX	Web	Older American
In XX/XX/2022 I received an Aspire credit card with an {$700.00} credit line. I was trying to build my credit and not aware of predatory lending practices. After one year of payments I still owe {$540.00}, but have paid a total of {$2200.00}. This should be criminal. I am sick over it and see no way out. I have not reached out to the company because I dont know where to begin or what to say. I destroyed my card months ago in hopes of paying it off and closing the account. It seems unreachable
12/04/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	PA 175XX	Web
I ordered a TV online with " XXXX XXXX XXXX XXXX '' and utilized their preferred lender - " XXXX ''. I ordered the appliance on XX/XX/XXXX and quickly cancelled it the very next day ( XX/XX/XXXX. You will see on the statement I uploaded ). They contacted me today ( XX/XX/XXXX ) and I had a " chat session ' with them explaining everything. They stated I was credited the amount of the order but the annual fee will still stand. This is a complete scam as well as a version of " predatory lending ''.
08/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33142	Web
I APPLIED FOR A LOAN WITH FORTIVA FOR A XXXX XXXX. I CHANGED MY MIND. XXXX XXXX STILL TOOK THE MONEY AND DID NOT RENDER THE SERVICE. NOW FORTIVA IS REPORTING ME TO THE CREDIT BUREAU FOR NOT PAYING. XXXX XXXX REFUSES TO GIVE THE MONEY BACK TO FORTIVA. IM NOT RESPONSIBLE. XXXX XXXX IS A THIEF AND THEY ARE KEEPING THE MONEY AND WANTING ME TO PAY FOR A PRECEDURE THAT THEY DID NOT PERFORM. I HAVE DISPUTED THIS MULTIPLE TIMES WITH XXXX. THE OUTCOME HAS ALWAYS BEEN NEGATIVE. I CAN NOT AFFORD A LAWYER.
01/20/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 77047	Web	Servicemember
A payment was sent on XX/XX/XXXX for the amount of {$75.00}. The payment was sent with my bank online bill pay. The proof of payment stated that the credit card company received the payment on XX/XX/XXXX. I contacted the company on XX/XX/XXXX via email with an attached proof of payment. I did not get any response. I also began calling the company on XX/XX/XXXX. Their response was only that the do not show any payment recieved. I sent another email on XX/XX/XXXX with an attached proof of payment.
12/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	SD 57201	Web
I opened this credit card, over a year ago, have NEVER missed a payment, even have insurance, XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2022, I attempted as soon as early XXXX to attempt to make something, anything happen so I can catch up at a later month or anything, even tried to use the insurance, which because I wasn't " fired '' they would not work with me, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I don't get " fired '' all I want is some lienency or some help, not continuous adding to my hardships
06/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NJ 07071	Web
On XXXX there was a charge of XXXX dollars it was I guess it was to see if the card was good and than than XXXX each month after until XX/XX/2022. I was not aware of these changes which I did not authorize. When I found out I contacted the cc Fortiva to dispute these charges they gave me the company who fortunately charge the card, and they tried to reverse the charges but the cc company block them. I have a email from to prove it. I believe someone in the cc company was responsible for this.
04/06/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OR 97838	Web
I mailed my payment to Emerge early a bill I mailed on the same day was cashed on the XX/XX/XXXX my Emerge bill wasnt due until the XX/XX/XXXX of the next month. They held the check and didnt cash it until the XX/XX/XXXX. They charged me a {$19.00} dollar fee on XX/XX/XXXX and negatively impacted my credit. I wrote them a letter and disputed the charge. I received a letter back today dated XX/XX/20 from XXXX # XXXX refusing to correct fraudulent charge. Emerge XXXX XXXX XXXX XXXX, GA. XXXX
09/10/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IL 61604	Web
credit card is fortiva XXXX i went online made what the computer said as my min payment of XXXX on XX/XX/XXXX. than i went back online later to check and they charge me a late payment. i cld told the woamn i paid what computer said was min due woman said doesnt matter im not removing the late payment fee i than demanded her to cancel the card and now i look and they have also added a over credit limit fee. i want both of these fees removed. i did pay what the system said was min payment due.
08/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 381XX	Web
Reported Aspire Credit as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. Aspire could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
08/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 381XX	Web
Reported Aspire Credit as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. Aspire could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
11/21/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MI 496XX	Web
I have been fighting with Fortiva credit card company. I lost my job when covid hit back almost XXXX years ago. The fees and interest that they continued to charge when I reported our financial hardship to them. The card balance is double of what it was when I lost my income. We went from XXXX incomes to XXXX when the covid pandemic started. I refuse to pay all their late fees, interest and other fees. They can take the balance back to where it was when the last purchase was. They refuse.
07/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NH 032XX	Web
I have two accounts with Fortiva since XXXX and never defaulted on either. They charged fees even when no charges were made for purchases. On XX/XX/XXXX the company closed both accounts without notice after charging me for XX/XX/XXXX fees which I paid {$12.00} on XX/XX/XXXX and {$10.00} on XX/XX/XXXX. I contacted customer service, they refused to refund me for the XX/XX/XXXX fees they charged and were paid for in advance even though they canceled both accounts for inactivity on XX/XX/XXXX.
03/28/2017	Yes	Credit card	Billing statement	MO 63136	Web
Fortiva is charging me a minimum payment of {$210.00} on a balance of {$1500.00} for my XXXX Credit Card that they manage. Previous statements with balances of that amount did not have minimum payments that were this high. I have no missed payments and just made a payment of {$2500.00} to them to reduce the current balance that posted prior to the statement being generated. I called and was told that the minimum payment is based on the highest balance and NOT the current statement balance.
10/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89107	Web	Older American, Servicemember
I received a credit card statement from Fortiva dated XX/XX/2019. I write a note to them saying I do not have a credit card account with Fortiva. Stop billing me. They continued to send statements. Fortiva sent a collection notice dated XX/XX/2019. I prepared a Fraudulent Application Affidavit on XX/XX/2019 and faxed the document to them on XX/XX/2019. Fortiva sent the account to XXXX/ATLS/FORTIVA MC Account XXXX and they continue to collect on a credit card debt that I never applied for.
01/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 926XX	Web
In XXXX of XXXX I reported fraud charges to the Aspire credit card. They closed the account and sent me new card. Initially the credited the fraud charges however come XX/XX/XXXX they put those charges back on my credit card saying I owe all charges. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX charge {$28.00} XXXX XX/XX/XXXX charge {$62.00} XXXX XXXXXX/XX/XXXX charge {$51.00} XXXX XXXX - XXXX XX/XX/XXXX charge {$63.00} XXXX XXXX XXXX XX/XX/XXXX charge {$42.00} XXXX XX/XX/XXXX charge {$75.00}
05/11/2015	Yes	Credit card	Delinquent account	NC 28269	Web
I purchased furniture with a Fortiva credit account -- that is listed as a credit card -- even though I have never been issued a " credit card. '' My account is posting me 30 days delinquent on payments received within a 30 day time period. I have disputed these items with all XXXX credit bureaus and received a reply from XXXX that account has been updated -- but the only note was to contact creditor. I provided XXXX with my payment history from Fortiva 's website verifying my payments.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48910	Web	Servicemember
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX Fortiva Credit One
12/17/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30045	Web
I contacted fortiva because they are who I make payments through. A company named XXXX came to do work on my flooring they did NOT complete the work. I paid {$5000.00} to have them complete. They came in XXXX to do the work, I have been calling the company back to back to have someone come out and complete the work. I have been given the run around I spoke to a manger as well as corporate now nobody basically wants to do anything. This is now XXXX and my carpet is still not completed.
01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10306	Web
On my credit reports there is a closed account with huge amount of missed payments. FORTIVA MC/XXXX Opened XXXX XXXX XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA FORTIVA MC/XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
07/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 11757	Web
I am a victim of identity theft. I never looked at my credit report until this week and when I did I found numerous accounts that I didnt know about or open. One of these accounts was Aspire credit card. Ive never heard of this bank or card and I did not know they opened an account in my name. This was done without my knowledge and I never used this card. It looks like this card may have been open for a few months and paid by whoever opened it but I never paid the card or used it.
02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63011	Web
In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXXAspire XXXX XXXX XXXX
06/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 28269	Web
Several Dispute letters and Negotiable Instruments sent to Fortiva with no response since XX/XX/2022 demand account is credited { {$3000.00} } as they are deemed honored along with {$2000.00} monetary relief for Fortivas failure to investigation/respond to disputes, closing account during dispute without notice and reporting while in dispute. This is a BREECH of Agreement and BREECH of Fiduciary Duties, and BREECH of Trust. Violations under FCRA and 15 USC 1640 Truth and Lending.
08/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27265	Web	Older American, Servicemember
I have tried to get Fortiva credit card off of my XXXX credit report and they will not the credit company nor the card company will not remove this from my credit. This is a fraudulent account and does not belong to me. My identity was stolen. I sent all the information I received from the police report and FTC to the Credit Bureau and the Credit Card Company, and they still will not remove this. This supposed to have occurred in 2017 in the amount of over {$800.00}. Thank you
09/15/2018	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	ID 83646	Web
XXXX XXXX has been sending monthly payment of {$170.00} to XXXX XXXX credit and XXXX has only been posting {$160.00} and trying to collect the {$10.00} saying it is past due. XXXX XXXX has spoke to them and showed proof they are sending the correct amount. XXXX claims they are only recieving {$160.00}. I have contacted them about it multiple times they say it is the XXXX XXXX company not them. I know for a fact it is XXXX because my other creditors do not have this issue.
04/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 11435	Web	Older American
In XXXXXXXX XXXX I was a victim of identity theft. Fraudulent charges were made in my name and unauthorized charges were made to my bank account. The credit card company did not refund the money, but my bank managed to get my money back. The credit card Fortiva now wants to make my account charge off, but there are fraudulent charges. They are not mine. What can I do now? I requested a statement, but my account was switched on line and I can not even log in. Please help asap.
04/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 95340	Web
XXXX XXXX had fraudulent activity on my credit which prompted me to pull my credit on XX/XX/22. I found XXXX inquiries and a new XXXX card that is not mine. when I called FORTIVA they said it belonged to someone in Georgia. My Identity was stolen. I made a police report - I have sent an affidavit of fraud, notarized, with my ID and my police report to this company and they are STILL telling XXXX that the account is mine. I am so dissatisfied! this is fraud and I am a victim!
08/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OK 74066	Web
On XX/XX/2023 I paid a past due debt with Aspire credit card. On XX/XX/2023 I received a letter from XXXX XXXX regarding this debt as unpaid. On XX/XX/2023 I reached out to XXXX XXXX and was directed to call Aspire. I then chatted online with XXXX from Aspire and was directed to call XXXX XXXX. I once again called XXXX XXXX and told I still owed the debt. I tried to tell them I did not and the account was paid and they argued and then hung up on me after transferring 4 times.
05/15/2018	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 94901	Web
A debt collector called trying to collect a debt on a credit card. The debt collector told me that the account was open and if I made a payment I would still be able to use the card. He told me this three times. After I made the payment he said he had made a mistake and that the card is actually closed and that I would have to reapply. I asked to talk to his manager and his manager admitted he " made a mistake '' but refused to refund my payment or do anything for me at all.
01/03/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	KY 42003	Web	Servicemember
I discovered there was an Aspire Credit Card on my credit report showing a one month payment history. I have a fraud alert on my credit report therefore I should be contacted for every credit inquiry. I was never contacted by this company. I disputed the account with XXXX as identity theft. XXXX has deleted the Aspire credit inquiry from my credit report, therefore Aspire should remove that account from my credit report as they are currently flagging the account as past due.
10/18/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 925XX	Web	Older American
I requested to cancel account on XXXX to avoid paying the annual fee that would be billed effective XXXX. I spoke to several customer service representatives. No one wanted to cancel my account. I received a letter in mail stating that if I canceled before XXXX I would not be charged. I also questioned what the {$12.00} per month charge that I was receiving every month. I want the account canceled and not to pay the {$49.00} annual fee. I was told by XXXX to call back later.
07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35209	Web
On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.
04/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 19124	Web
You have violated The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) ( FDCPA ) & the Fair Credit Reporting Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ( FCRA ). ( TITLE 15 ) 15 U.S. Code 1681, 15 U.S. Code 1692, 15 U.S. Code 1681b. FCRA 605B ( 15 U.S.C. 1681c-2 )
04/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 10314	Web
This is the third time I am attempting to make a payment. The first time it told me that my payment was reversed from my bank account then I attempted to pay with my bank card and the message popped up that I can not pay with a credit card. This is ridiculous, I've always paid with my bank card and never had such an issue with this lender until I closed my account and all these fees and problems keep coming up. My bank card is listed as a debt card so this makes no sense
04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27587	Web
Fortiva was paid off XX/XX/2020. I set up a draft for biweekly payments of {$32.00} I never received any communication that there was a problem with the transactions and did not know anything was a problem until It ended up with collections. I tried to talk to fortiva and they said take it up with the debt collection write off company and that company could not verify my payments. This should be illegal. Credit card companies are doing this all the time. It is not right!
05/02/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 30114	Web
I have a brand new credit card with Aspire due to fraudulent charges. I have never used the new credit card or even taken the card out of my home.on XX/XX/2020 Aspire company shows a charge of {$510.00} and a credit in the same amount of {$510.00} however as of XX/XX/2020 the credit of {$510.00} was never processed on my account resulting in a incorrect balance with Aspire. I have contact this company twice regarding this issue and Aspire refuses to correct this issue.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33604	Web
THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE XXXX STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
05/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02760	Web
I have disputed this account on my credit report. I disputed this account directly with original creditor. Original creditor failed to respond in 30 days FCRA violation. Sent certified mail. Dispute sent on XX/XX/21 delivered XX/XX/21 Their letter is dated XX/XX/21 and was not delivered until XX/XX/21 They did not provide information requested. This account needs to be deleted immediately for failure to validate the debt and provide supporting documentation.
07/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 115XX	Web
Not only does their website and app still not properly function, but I also can't use a debit card to pay. They offer the option, which is incredibly misleading, but interestingly the option doesn't seem to work when you try to use it. Funny enough, the only option they offer that actually works is using your bank account, which takes 3-5 days to process a payment and can end up bouncing back in the process, especially if you live paycheck to paycheck. Interesting.
09/27/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 75025	Web
Fortiva makes it as hard as possible to make a payment. The payment page on their website doesn't work and the payment portion of their app doesn't work, I have tried both at least 10 times. On XX/XX/XXXX, I called to make a payment and asked the agent to set my account to autopay, he confirmed he did. He didn't set it to autopay though he lied and then I was late with my next payment because I thought it was set to autopay and they tried to charge me a late fee.
01/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 547XX	Web
I used to rent office space to XXXX XXXX at my office at XXXX. I keep getting calls for him XXXX from a company called Fortiva. When I tell them XXXX hasn't worked here in over XXXXXXXX XXXX they hang up on me. Their number is XXXX. I have spoken to them and asked them to remove me and explained the situation. It doesn't matter I continue to get calls from them. I do not want to receive calls from Fortiva as they tie up my phone line with nothing relative to me.
01/26/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NY 11228	Web
Fortiva Retail Credit does not provide monthly statements to show amortize principal and interest. Only online service to review account but no details, Spoke numerous times to creditor who reluctantly states no statements issued or yes we will mail statement and never get one. My complaint is true breakdown of my personal loan. Misleading practices is my complaint. Contact information : FORTIVA RETAIL CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX
08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA XXXXX	Web
I have a hard inquiry from Fortiva MC/TBOM for which I did NOT authorize. I have contacted Fortive multiple times and they keep sending me a form letter saying that I applied for a XXXX credit card, which I did NOT. They have a " Pre-Qualify '' link with NO impact to credit report which is ALL I did. I did NOT authorize nor did I apply for a XXXX account. I need your help in getting this inquiry off of my credit reports. Thank you in advance for your help!!
10/07/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75024	Web
account had fraudulent activity and I was not found liable for the {$500.00}. However 1 year later a charge off for the {$500.00} was put on my credit. called the creditor on XX/XX/2021 and was advised that it would be removed. called again on XX/XX/2021 and was told the same thing. I still have an open account with creditor. How can I have a charged off account and still have an active account. Nothing was charged off, I'm still using and paying on account.
03/31/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY XXXXX	Web	Older American
I applied for the card was approved. No where on the application said {$150.00} annual fee the first year then {$29.00} every year after. I called the card people they said its nothing they can do. I asked to speak to a supervisor the same thing. After I used the card and XX/XX/21 I saw the fee. I would have never used the card if I knew their was an annual fee. I called them on XX/XX/21 asked them to close the account. They said I had to pay the {$150.00}
08/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 19141	Web
i have a payment date of the XXXX each month and i get paid at the end or the first so i call them to make sure im not late. they usually say ok. but i lost my phone and could not call in XXXX. im literally XXXX hours late in XXXX. ive never missed a payment but i have XXXX $ worth of fees. they told me i paid XXXX instead of XXXX so i get a late fee for that too. i was never told on previous calls and they said they remove late fees after payment is made.
12/27/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 07054	Web
I accepted an offer for an Aspire Credit card in XX/XX/XXXX. Card account was opened. My first statement dated XX/XX/XXXX had the following fee assessed. Trans Date Post Date Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX ANNUAL FEE {$120.00} This annual fee is exorbitant and was not clearly communicated to me when I opened the account. I communicated to the lender asking them to refund or close the account. They have refused to do so.
06/27/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 21215	Web
During XX/XX/XXXX, I spoke with a Fortiva customer representative to set 3 payments to close out my account. On XXXX XXXX, 2017, XXXX I received a call saying my account was not update. I asked to speak with a manager. She explained their records show were no records of 3 payment made. We went back and forth. I finally decided to make a payment. Which she requested that they systems could not make any additional payments. I demanded to never call my phone.
04/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WI 546XX	Web	Servicemember
I'm currently not using this card because of the ridiculous high interest fees and they still charge me XXXX for maintenance fees even though is a XXXX balance under consumer law this is very illegal I find myself conflicted because I don't feel protected as a citizen and a taxpayer how is it that you let these companies get away with this instead of protecting the American people... on top to get a credit increase they want to charge and that's ok to do?
01/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	MI 48060	Web
I applied and was accepted by fortiva card card company on XX/XX/2022 and they still have not given me a card to use and they're still billing me their annual fee I reached out to them multiple times where's my card I never received my card I need a card and they just keep saying it's in the mail I don't feel like I should be getting billed for a service that I can not use it's like there scamming me and if I don't pay them it goes against my credit score
10/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	MO 63031	Web
XX/XX/2021 Lost wages due to covid and loss of unemployment! Havent been able to pay my credit card bill. The collections representative asked me could I ask a Neigbor for the money. When I told him I didnt have any he advised me that I was lying! MAME YOUR LYING is what he said to me! Which I really dont have Neigbors. He never offered me any assistance in regards to my account! Instead he just harassed me. At this point I dont want to pay them anything!
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11553	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
09/12/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	AZ 85042	Web
I got an email from XXXX about possible fraud on XX/XX/2023 and I promptly contacted XXXX and determined it was fraud and was not charged by me and by a company that I haven't heard of before then. The person with XXXX was helpful and I was told my credit card would be cancelled and a new card mailed to me along with a fraud letter. On XX/XX/2023 the unauthorized charges were added onto my balance which would also result in interest on the fraud charges.
12/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CT 06606	Web	Older American
Fraudulent charges were made without using the card physically, I had the card in my possesion at the time. Here are the fraudulent charges : All were made in XX/XX/XXXX : XXXX, XXXX XXXX, {$100.00} / XXXX XXXX XXXX XXXX, {$1.00} XXXX XXXX XXXX XXXX, {$140.00} / XXXX XXXX XXXX {$12.00} / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} / XXXX XXXX XXXX XXXX {$42.00} / XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX {$44.00} / XX/XX/XXXX XXXX XXXX {$21.00}
10/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 91304	Web
I called to add my cc to XXXX XXXX and change my number, without sending any alerts they blocked my zero balance card and asked for a copy of my drivers license. I did it and then they asked for a utility bill. I asked them to close my account they after giving me a lot of delays they did and said theyll send my positive balance by check. I asked for the annual fee to be prorated. They said no you already paid for it. Please help the American consumer.
12/08/2021	No	Credit card or prepaid card Store credit card	Getting a credit card Problem getting a working replacement card	IL 606XX	Web	Servicemember
On XX/XX/21 I applied for a retail Fortiva Card at XXXX XXXX auto shop and was approved. On XX/XX/21 I called the number at the bottom of the approval slip to get my ENTIRE account number and they claimed had no record of me in their system after telling me they found me 3 times. They were able to repeat Information back to me but then transferred me to someone who then claimed I was not in the system who also refused to give me the FULL account number.
02/05/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NM 870XX	Web
On XX/XX/19 at aprox XXXX, a representative of the XXXX XXXX XXXX XXXX contacted me at my work I have repeatedly asked them not to call my work. This is thier 5th time doing so. Twice I even issued a verbal cease and assist for my job. When I have repeatedly told they representatives to not call my work and to take the number off, they have ignored me, they have never tried to contact me at my cellphone. The XXXX XXXX will not stop with its harassment
10/02/2023	Yes	Credit card Store credit card	Incorrect information on your report Account information incorrect	GA 30228	Web
For the second time in the last 60 days or so they have reported my account 30 days late to credit bureaus!!! My payment was due XX/XX/XXXX and they have reported my account 30 days only a week after the due date... I believe this company is doing this out of spite because I was disputing other inaccuracies on the account. I will attach copy of statement proving the account was not 30 days late!!! CFPB needs to investigate the practices of this company
01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34683	Web
I talked to several reps they told me what my balance was I paid XXXX. I received a delinquent notice on my credit report. I talked to the supervisor he said he dont know they sent my account to delinquent cause I wasnt late. I live in a low income housing I am due for an upgrade but they go off of credit score. Cause of this issue I might be homeless. You 7 days to write to the credit bureaus to remove this delinquent or I willing be filing a lawsuit
04/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	VA 20191	Web	Older American
I had an Aspire credit card and when I went to pay the bill I noticed they were charging me a fee of {$39.00} to renew my card on top of the {$8.00} per month service charge. When I called them I informed that their fee was to high and I would not be renewing my account with them and I asked them to remove the fee. This is before the renewal date and before my bill was do. They informed me they would not remove the fee and I was just out of luck.
04/20/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30012	Web
XXXX/ATLS/FORTIVA XXXX has been reporting false and inaccurate information to the credit bureaus in regards to a debt. I have questioned multiple times to have the information corrected on multiple occasions to the point where I just decided to pay the debt. This is a 2 company effort between XXXX XXXX XXXX and Fortiva XXXX. Fortiva XXXX is still recording this on my credit report even though it has already been paid to XXXX XXXX XXXX on XX/XX/2021.
03/30/2020	Yes	Credit card or prepaid card Store credit card	Trouble using your card Credit card company won't increase or decrease your credit limit	CA 95648	Web
On XX/XX/XXXX I was told my XXXX payment was returned so I immediately paid it up. I have never been late besides that payment otherwise just a few days past due dates on some payments, but still not late technically I was notified that once 3 payments were made on time that the credit would be reinstated. After I paid they then said it was closed and too bad so I made that payment for no reason I want them to return my payment and negotiate with me
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30132	Web
I have been going back and forth for over a year. This has been very stressful. I have not ever had Cellphones up until I signed up recently. They said I opened the account and closed it the same day. This is not true. I currently have service with XXXX XXXX XXXX, and on my credit it's reported that I owe {$310.00}. This is erroneous. The consumer doesn't have any outlet if the company makes a mistake or inside fraud. We're left with the head ache
02/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33837	Web
On or about XX/XX/2021 I lost my Fortiva Credit Card while at XXXX, I contacted the Credit Card Company and informed them of the loss at which point they asked if I had made a recent charge in the amount of {$770.00} at which point I informed them that I had not. I submitted a fraud form and the Credit Card Company refused to remove the charge from my card after issuing me a new card and are now trying to force me to pay for the fraudulent charges.
07/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 91786	Web
I received a credit card I did not request. I called the company to advise that I didn't request a card and did not want it. I was told by the representative that he was sending me an email verifying the closure of the account and removal from my credit history. I received a text message asking how the representative did his job. I responded with that was not what I wanted I requested verification of the account closure and removal from my credit.
05/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OK 744XX	Web
I talked to them on XXXX and was assured everything would be taken care of removed and adjusted. NOTHING HAS BEEN DONE!!! They removed XXXX the fees and didnt up my credit limits to what it was before I paid it off. Annual fee also needs removed No one wants to help me get this taken care of. They just yell and scream transferring me around. One rep called and said everything was going to be turned to {$0.00} and the card work. That was a LIE
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	CA 92807	Web
Months ago I finally did my homework on what was ruining my credit score. My ex wife used my personal information to apply & used credit cards without my consent. She used her phone number & email address so I couldn't receive notification. If there's no justice in that, why bother being innocent. Even the police don't seem to care. Take initiative that I'm looking for a better future & these criminals need to be hold accountable. Blessings ...
08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 390XX	Web	Servicemember
In accordance with the fair credit reporting act XXXX account number # XXXX ( XXXX XXXX ) has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : A creditor may not treat a payment under a credit card account under a open end consumer plan as late for a purpose.
07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 717XX	Web
I have wrote to the Credit Bureaus several times. The last letter I wrote was XXXX XXXX. I also called about different names and addresses listed in my report. I have asked for documentation with my legal name. I have provided a copy of my drivers license, social security card, and lease agreement to verify my name. The mail theyre mailing doesnt belong to me. I have also written them to let them know the mail theyre sending doesnt belong to me.
03/06/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	FL 33126	Web
Fortiva Retail credit i already paid the credit and they closed my account and I tried to buy again and the company said my account is closed. After that they charging {$25.00} dollar annual fee. I called and they said my account is open. I have to pay {$25.00} but I don't have credit available. Now my account increased. {$82.00}. Why i have to pay if my account is unavailable. I need help because my account is going to be increased every month
01/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	TX 77071	Web
Aspire is a credit card with XXXX I was laid off and I had signed up with credit protection with them. I filed my claim they told me I didnt file it right when I did it took them a long time to answer then I got a letter in the mail they dont want to pain the Clain I was to late. They have hurt my credit so t want to help have XXXX customer service everyone is XXXX XXXX and no one really to talk too. It has been a hassle and I need an advocate
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98058	Web
In accordance with the Fair Credit Reporting Act, this creditor, Fortiva, has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/20/2015	Yes	Credit card	Billing disputes	CA 91789	Web
XXXX XXXX, 2015To : Consumer Financial Protection Bureau XXXX XXXX XXXXSome one open a Credit Card with FORTIVA, dispute resolution, XXXX XXXX XXXX XXXX, XXXX XXXX with card # XXXX XXXX XXXX XXXX. I NEVER hold a Credit Card and I NEVER purchase goods or services. Some person use my personal information, this is fraudulent purpose. This report to your Bureau, Thank you for your attention the matter. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 751XX	Web
In accordance with the fair credit reporting act XXXX Account XXXX XXXX. has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95118	Web
In accordance with the fair credit reporting act. This XXXX, XXXX XXXX has violated my rights under 15 USC 1681, section602 states I have the rights to privacy. 15 USC 1681, section604A section 2. It also states a consumer reporting agency can not furnish an a account without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
11/23/2021	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 13027	Web
I spoke with XXXX XXXX after the repeated calls wouldnt stop. I was threatened to be sued if I didnt pay up. I explained I had fallen behind on my credit card payments due to the pandemic and losing my income. The gentleman on the phone then got nasty with me and threatened to sue me. I said well how can I be sued if I dont have any money? He said there are ways. Youd be surprised. Told me I better ask my family for money to pay off my debt.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92672	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have a right to privacy, 15 U.S.C. 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
02/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 90016	Web
I have previously filed a complaint against this credit card company. I have not used this credit card in over a year and I have made payments of at least {$20.00} a month. However, every month I have been hit with overage fees. There has also been charges made to the card that wasn't made by myself. At this point I believe the account has been closed and now there is charge off on my credit report despite a payment being made every month.
06/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29526	Web
Fortiva overcharges on interest and maintennace fees. They also do not want to renegotiate terms with people who have their accounts in better than good standing, like me. Here is a link to some of the outrageous fees and rates they charge : https : XXXX I only opened it to re-establish credit/improve credit. I am on XXXX and want to have a card in case of emergencies, and don ; t want to pay {$150.00} per year just to have a card open.
11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20774	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 US 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20774	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 US 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31602	Web	Servicemember
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
02/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 11590	Web
An account has been opened in my name by a credit card company by the name of XXXX / ATLS / FORTIVA with a limit of {$3000.00}. It currently has a balance of {$100.00} and was opened on XX/XX/2021. I never applied for this credit card and I most definitely have not purchased anything with it as I don't even have a card in my possession. I would like this account closed and I would like it removed from my credit report as soon as possible.
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 322XX	Web	Servicemember
Fortiva 's response to XXXX was unsatisfactory. Fortiva 's action lowered my credit score. Fortiva opened a credit card account without my permission. Instead of closing the account, they should have removed the account. Closing the account that I did not authorize reduced my credit score. This is NOT acceptable. The account should be removed as an error. Not shown as an open account that was closed. Again this does not resolve my issue.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06051	Web
In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94546	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 16668 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 239XX	Web
In accordance with the fair credit reporting act, XXXXt Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
08/20/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 060XX	Web
I have these accounts that are not mine and i want them to be removed from my credit. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 060XX	Web
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10550	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
12/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY XXXXX	Web
Aspire Credit Card has an issue applying payments. Mailed a payment from my bank on a XXXX and payment wasn't applied until 15-20 days later. When call customer service is rude. Have been assessed late fees and had credit score affected by the delay of applying payments. Www.aspire.com Card issues by XXXXXXXX XXXXXXXX XXXX XXXX through XXXX This credit card is a disservice to anyone trying to rebuild their credit. What a disgrace.
10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19119	Web
In accordance with the FAIR CREDIT REPORTING ACT XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30134	Web
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45805	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76549	Web	Servicemember
In accordance with the fair credit reporting act several companies have violated my rights. 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33150	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/29/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 286XX	Web	Servicemember
I paid a collection off with fortivia the beginning of this year. They sent me a letter in the mail to pay the collection in full for a discounted price of XXXX dollars. I paid the amount in full and the collection was never updated in my account as paid in full but instead of charge off which isnt the same. This particular incorrect data has stopped me from getting a new credit card from my new bank in the state of north carolina.
08/18/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting a working replacement card	MA 011XX	Web
I lost my credit card is XXXX, I've contacted the company about 6 times and I still haven't received a card. Each time I call I speak with a representative that gives me an excuse to why it wasn't sent out or why I never received it. I was told twice there was a system malfunction that's why it was never sent. Spoke with a supervisor and she assured me 3 weeks ago id get my card with expedited shipping and still never received it.
01/16/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33024	Web	Older American
I reported to this company that my card was stolen/lost. I am XXXX XXXX so it is very difficult to contact this bank. The bank issued adjustment but even after sending them the affidavit they requested they placed the fraud transactions back onto my account. I am XXXX XXXX XXXX this week and this stress of going back and forth with this bank is unnecessary. I will not pay for transactions that a thief/scammer had done on my card.
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23602	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/14/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 330XX	Web
XX/XX/2016, I applied for fortiva credit card for XXXX XXXX XXXX I was approved, but at the time of that appointment I had to pay the first appointment myself. I was approved for XXXX. I never once used it. Since 2016 I have been fighting with this company, this company is actually the reason I was not allowed into the XXXX Im not quite sure how I am being penalized for a credit card I never once used, I simply was JUST APPROVED.
09/09/2017	No	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Account sold or transferred to another company	CA 95037	Web
In the month of XX/XX/XXXX I opened a new account with fortiva credit card for a {$400.00} credit limit in the same month I went over my limit and immediately made a payment to get the over limit payment down. In the same month of XX/XX/XXXX, Fortiva closed my account and put my card in collections. I understand I went over my credit limit but they were unable to answer why I was put into collections even though I made a payment.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79407	Web
In accordance with the fair credit reporting act XXXX account, has violated my rights. 15 USC 1681 Section 602 Staes I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 237XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
08/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 321XX	Web
I recently got a statement from my credit card company only to find out that my credit account was compromised. Thousands of dollars in purchases fraudulent transactions and fraudulent payments were made. I submitted a fraudulent affidavit and a FTC report. I spoke with a supervisor who advised me that the account would be reopened and a provisional credit was to be issued within 10 days once the fraud claim has been completed.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34746	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55443	Web	Servicemember
In accordance with the fair credit report at XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	VA 23607	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC1681 Section 602 states I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19805	Web
in accordance with the fair credit reporting act the creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1562 section 704A Section 2 it also states consumer reporting agencies can not post on my account without my written instructions Under 15 USC 1667B A creditor may not treat a payment on my credit card account under an open consumer credit plan as late for any purpose.
06/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	PA 187XX	Web
Fortiva credit card company refuses to cancel my card, even though it has been locked for 2 years. I spoke with a representative that told me if I paid off a small amount, they would cancel my card. Instead they immediately added more charges to my account so I couldn't close it. This has been ongoing now for years and the current charges on an account that I can't use are XXXX. Last time I spoke with them was in XX/XX/2022.
01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14207	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 080XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have a r ight to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
11/01/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33615	Web
I mailed the Fortiva, via certified mail, the CFPB collection letter to request verification of a debt being reported on my credit report. A week later I was sent back a letter from the company requesting information from me. I don't know why I'm being asked to provide information, in response to my request for my consumer file as per 5 U.S.C. 1681. I will attach the letter sent from the company and my Certified Mail Receipt.
05/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TN 38125	Web
I have a XXXX balance on my Fortiva Credit Card yet they are charging me a {$5.00} account maintenance fee and a late fee if I am late on the XXXX XXXX monthly maintenance fee. This feee is basic extortion, because if I cancel this account my credit will be negatively impacted because it Will reflect as a closed account and my available credit will be reduced by the available credit limit of the card. This can not be legal.
12/27/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 07054	Web
I accepted an offer for an Aspire Credit card in XX/XX/2019. Card account was opened. My first statement dated XX/XX/XXXX had the following fee assessed. Trans Date Post Date Description of Transaction or Credit Amount XX/XX/19 XX/XX/19 ANNUAL FEE {$170.00} This annual fee is exorbitant and was not clearly communicated to me when I opened the account. I communicated to the lender asking them to refund or close the account.
05/07/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08807	Web
XXXX allowed a credit card to fraudulently be opened in my name in XX/XX/XXXX/XX/XX/XXXX, even though my credit union accounts were " frozen. '' I submitted the notarized affadavit and copy of the police report I filed and have followed up with XXXX several times, but the company still hasn't removed the record from my credit files and continues to report that payments are late. My credit score has dropped because of this.
10/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33067	Web	Servicemember
I recently sent a validation letter to XXXX asking for certain information so I can validate the assume debt is me. Upon receiving only two documents from XXXX. I notice that my request was not up held, and I question the validation that this debt belong to me. They did n't send any hard proof that it belong to me. I request original document with signature and agreement to pay, and also date this allege debt became payable.
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80013	Web
In accordance to the fair reporting act test creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not trade a payment on a credit card account under an open consumers credit plan as late for any purpose
12/29/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL XXXXX	Web
Since XX/XX/XXXX and through XX/XX/XXXX, XXXX was fraudulently charging my credit card with Aspire ( card ending XXXX ) for a total of {$260.00} for alleged meal plans I never authorized nor received. I contacted Aspire and while they credited the account after closing same, they reversed the credits on XX/XX/XXXX and expect me to pay for something not authorized and not received. Attached are documentation sent to Aspire.
08/15/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28311	Web	Servicemember
Have a credit card in my name in the amount of {$900.00} with Fortiva that I never signed for or used. It is reflecting on my credit that {$800.00} has been spent that I have no knowledge of. I am requesting full validation of account, I respectfully request to be provided proof of this alleged item, specifically the contract, note or another instrument bearing my signature. I have attached document requesting validation.
01/05/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 60050	Web
I discovered I was a victim of Identity Theft, and that Fraudulent accounts had been opened in my name.On XX/XX/2018 I notified the three credit bureaus of XXXX, XXXX, and XXXX, I placed a credit freeze and fraud alert on my file, I reported to the FTC along with XXXX MASTERCARD among others.XXXX MASTERCARD investigators established the account was verified accurate and kept active, and refused to correspond with me.
01/17/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OH 43228	Web
I have filled out a 1099A form for Fortiva, and the IRS accepted it on XX/XX/2024. This form has now become a certificate of indebtedness and is considered income. Companies generally discharge their debt by XXXX of the following year. Once the debt is discharged, it is illegal to try and receive payment again. Please update my accounts ending in XXXX and XXXX and mark them as paid as agreed by all third-party agencies.
09/17/2020	No	Money transfer, virtual currency, or money service Debt settlement	Problem with customer service	VA 23703	Web
I need this email in a letter head in order to close on my home. However when I called to get this on a letterhead they are refusing to honor it & even trying to change their response. I need the email in the attachment in writing. Without this letter & their compliance me & my family will be homeless. This is aspire visa, company address Account Services XXXX. XXXX XXXX XXXX, GA XXXX phone # is XXXX XXXX XXXX XXXX XXXX
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32789	Web
SCAM ALERT! Fortiva Credit Card ( https : XXXX? XXXX #! ) Phone number : XXXX ( XXXX ) XXXX Claiming I owe money on a credit card I never opened ( {$64.00}, in an account labeled XXXX, under a name that is not mine ( XXXX XXXX ). Unsolicited text messages. Ultimately a scam, do not respond or pay any amount. Website asks for routing number to bank accounts, account numbers, account types and credit card information.
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 477XX	Web
In accordance with the fair credit reporting act XXXXFORTIVA, has violated my rights. 15 USC Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90027	Web
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07644	Web
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19145	Web
In accordance with the fair credit Reporting act XXXX Account # has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
12/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29414	Web
After being sold on the idea of 0 % interest, then making an in-store purchase of {$660.00} to take advantage of the 0 % interest promo, we were shocked by a {$49.00} " Annual Fee '' being placed on our statement that we were not made aware of. Had we been made aware of the {$49.00} " Annual Fee '' we would have simply paid cash or used one of of our other 0 % interest cards that do not charge us ridiculous fees.
10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 452XX	Web
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
07/12/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 240XX	Web
I ordered an indoor cycling bike from XXXX XXXX in 2020 during the pandemic. The bike arrived and after assembled it did not work properly. I returned the indoor cycling bike to XXXX XXXX Although, the bike was defective they have charged me {$890.00} for shipping and the product did not work. I dispute the debt in question as this is not an amount I should be responsible for since this product was defective.
04/29/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95648	Web
I was told by the companies on XX/XX/2020 if I paid the following accounts off to a zero balance the companies paid, would remove it completely off my credit report. The companies are still reporting my account to the credit reporting agencies. XXXX XXXX XXXX, XXXX It has ruined my chance at purchasing a home and a place to live for my family. I would like the accounts removed from my credit report as promised.
11/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 30114	Web
I made a payment on XX/XX/2020 in the amount of {$41.00}, another payment on XX/XX/2020 for {$25.00}, another payment on XX/XX/2020 for {$12.00} and another payment on XX/XX/2020 for {$15.00}. I don't understand why I still have a payment due on XX/XX/2020 for {$29.00}. I have already made more than the minimum due before XX/XX/2020 however Aspire is still reflecting and notifying me that I have a payment due.
11/15/2017	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I called Fortiva XX/XX/2017 XXXX to settle a debt ; I spoke to XXXX regarding ( patient ID XXXX ) he advised me that the account was sold to XXXX XXXX -- -I called XXXX and was advised this account was sold back to Fortiva -- I then called Fortiva again and was told that it was not with them but sold to XXXX -- -I basically got the run around and there was no resolve to this debt showing on my credit report.
11/07/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MI 48126	Web
Fortiva Alert : Your Fortiva Credit Card payment of XXXX is due on XX/XX/20. Click the link to make a payment on your account now : https : XXXX I received a text from this phone number XXXX. When I called this number it asks for my social security number. I did not respond. I also tried calling XXXX but that wasn't a legitimate number just another possible scam. I received this text on XXXX at XXXX XXXX
05/02/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TX 75024	Web	Servicemember
I called Aspire ( XXXX XXXX XXXX about my being affected by COVID-19 and not having income to pay the monthly amount due. The following day, I received an alert for the credit bureau that the card was closed. Assuming it was a mistake, I called and was informed that my card was permanently closed because it was over the limit. I have called several times and to no avail my account will not be reinstated.
01/12/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NJ 07306	Web
on XX/XX/2017 I applied for XXXX XXXX credit card and I had hard inquiry on XXXX which fine and normal then I found another hard inquiry for same company on XX/XX/2017 I did apply for the credit onetime and I got approved on XX/XX/2017 for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XX/XX/2017. its from XXXX XXXX for XXXX XXXX XXXX XXXX. thanks
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 92394	Web
In accordance with fair credit act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer report an agency can not furnish a account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under open and consumer as late for any purpose.
08/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	CT 062XX	Web
Hello have fortiva credit card wanted it closed told me they closed it then sent new card! When i made phone payment they REFUSED to give me confirmation number we cant do that said they would send email they dont! They wont send a BILL say i have to request one! Switch me to another dept that never picks up now they say im late and are adding late fees Ive never run into this before is this even legal??
11/28/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	AZ XXXXX	Web
SIGNED UP FOR OPTIONAL CREDIT PROTECTION SERVICE AND LOST JOB ONE MONTH AFTER CARD WAS IN MY POSSESSION, ENDED UP MOVING AND OTHER THINGS GOING ON CREDIT CARD COMPANY NEVER LET ME KNOW I COULD HAVE FILED FOR PROTECTION AND HELPED KEEP CREDIT SCORE. NOW THEY TALKED ME INTO MAKING A {$50.00} PAYMENT TO " BRING CURRENT '' AND SAY NOW I CAN BACK DATE TO XXXX OR XXXX FOR HELP.. I DONT SEE IT BEING CORRECT.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 080XX	Web
I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.
02/11/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	AZ XXXXX	Web
REFERENCE # XXXX INSTEAD OF CORRECTING CREDIT REPORT IT THE ENTIRE RECORD WAS DELETED AND I SHOULD HAVE A PERFECT HISTORY. CREDIT PROTECTION WAS ACTIVATED BUT COMPANY PROMISED {$60.00} / MONTH PAYMENTS WITH A MAX OF 6 FOR THE PROGRAM. SINCE FIRST PAYMENT HAS BEEN MADE ONLY IN THE AMOUNT OF {$10.00} PROMISES WERE AGREED ON THIS ACCOUNT AND YOU CAN FIND THEM ON THE OTHER CLAIM I WILL ATTACH AS WELL.
11/04/2018	No	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NY 14223	Web
I have been in the hospital for 21 days and have been unable to work due to this. I have been extremely ill for 3 months and have been falling behind financially. I was unable to make my payment on time to XXXX, however they were not willing to work with me. It is now showing as late on my credit report which I have worked so hard on trying to fix. I do not want to file bankruptcy if I can help it.
03/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	TX 75028	Web	Servicemember
I was notified in XXXX if 2021 that a credit card had been opened in my name. I never applied for it, and have since been attempting to close it with no success.I called several times and explained that it was fraud, but since the card was opened in my maiden name ( which I have not used in more than 15 years ) I was not able to provide vailed enough proof that this was not me who opened the card.
11/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89139	Web
I started receiving an statement from Fortiva Bank that I have outstanding debt with them, problem is I dont know this bank at and I never heard of all. I talked to them to clarified the debt and we think that someone is using my identity illegally. I have med complaint with our local Police Station have the report copy from them. I want to clear my name out of this as soon as possible. Thanks
09/08/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75019	Web
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2007 with a balance of {$0.00} and a high balance total of {$3500.00}
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90015	Web
Aspire broke the arbitration agreement they put in place by closing my account and posting late payments ( see attached ). XXXX, XXXX, and XXXX should not be showing late fees or closed accounts on my consumer report. Also there was no adequate notice given, according to 15 USC 1602 ( k ). My most recent reaching out to them was XX/XX/2022. Also I do not consent to XXXX XXXX for verification.
11/06/2016	Yes	Credit card	Closing/Cancelling account	CA 92833	Web
Fortiva refuses to close the account that was created using stolen personal data. A letter was submitted to Fortiva on XX/XX/2016 with the opening of the investigation by my local police precinct. An account was open at both XXXX and XXXX, and were immediately closed on notification by XXXX and the other XXXX credit reporting agencies. Fortiva has refused to close the {$20000.00} credit line.
05/21/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MI 48186	Web
I fell behind on my loan due to my employer shutting down due to covid XX/XX/2020. I told XXXX that I'm temporarily laid off due to covid and not able to pay on my loan. They never gave me options to help. They keep contacting me telling me i have to pay. Even though i keep telling them im not able to at the moment. So eventually i stopped answering. But they keep calling and harassing me.
01/30/2020	Yes	Credit card or prepaid card Store credit card	Closing your account Company closed your account	TX 79423	Web	Servicemember
I missed 1 payment back in 2018 and have sense paid off the entire balance with interest. I had called and asked the company for a good will removal of the late payment and cited fcra guidelines that would enable me to remove the derogatory information being reported, and the representative closed my account without offering a solution which has sense hurt my credit score in a negative way
04/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	NY 10314	Web
I tried to close my account because this company added an maintenance fee without notice. I canceled the account and now I see an additional charge of XXXX for protection that I never signed up for. Their statements do not reflect what the account would look like after 1 year and all these new fees are new, I do see why the fee popped up after I canceled my account not before I canceled.
02/03/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	CT 06854	Web
I was charged {$180.00} in late fees by Fortiva they never put these charges on my statement it wasnt until I called and asked they told me I told them I wanted it all removed and they took off one {$40.00} fee they said they would escalate the call and no one has gotten back to me It was an interest free furniture purchase which I thought I had a year before I even started paying it off
11/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77091	Web
I have attempted multiple times to contact Fortiva to have match pay credits applied to my account I have received confirmation that I am enrolled does the match pay program but the credits have never been applied to my account. I have made multiple payments to Fortiva but they have never applied the match payments to my account since XX/XX/2022. My ssn is XXXX and my name is XXXX XXXX.
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33023	Web
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX - Inquiry XXXX XXXX XXXX - Inquiry XXXX XXXX XXXX XXXX Inquiry has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
08/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 32835	Web	Older American
Recently, in XXXX, I paid off a low balance credit card. XXXX weeks later, I received an email from the credit card that my account was closed. I immediately contacted customer service and asked, why? The representative was rude and refused to answer my inquiry, and just said we closed it and thats it. I asked to speak with a manager and the rep said, no you can not and hung up on me.
05/16/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 76028	Web
This is a credit card I had back in XXXX . The card was paid off in XXXX but shows my last month was late b y 90+ days. I was not late but rather I paid in full. I tried contacting tribute ( phone and address is now for a card " aspire card '' ) the guy tells me tribute is a closed company and he ca n't do anything about it. I want the whole account rem oved from my credit reports.
07/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	MA 01821	Web
On Tuesday, XX/XX/XXXX, I received a credit monitoring alert that a new Credit Card Account had been opened under my name from Fortiva. The same day an envelope came in the mail containing a Fortiva credit card. I never applied for this card, nor do I want it. I never applied or requested this card, and the only time Ive ever used this company was years ago for a XXXX payment plan.
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OK 731XX	Web
I am aware that Fortiva is reporting my information correctly I am trying to request a goodwill adjustment on 1 late payment. I was very happy with the company and the use of their credit card service I'm requesting my credit card open date to be changed to XX/XX/2017. I was a very loyal customer making 99 % of my payments on time in over 5 years I'm asking for some help. Thank You
12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53210	Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section I have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer report furnished an account without my written consent. 15 USC 1666B : A creditor may not treat a payment on credit card account open-ended consumer plan as late for any purpose.
12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53210	Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section I have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer report furnished an account without my written consent. 15 USC 1666B : A creditor may not treat a payment on credit card account open-ended consumer plan as late for any purpose.
05/02/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	GA 30114	Web
There were fraudulent charges on my account for three months. I disputed the fraudulent charges and the charges were removed three months later. I have requested in writing to this company that I get refunded interest charges for the months when I had fraudulent charges on my account. The company responded to my letter on XX/XX/2020 via email to me however they ignored my request.
10/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	NJ 07104	Web
In accordance with the fair credit reporting act XXXX this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .15 USC 1681 Section 604 A Section 2 : It also states a consumer without my written instructions. 15 USC 16666B : A creditor may not treat a payment on a credit card account a open end consumer credit plan as late for any purpose.
03/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 440XX	Web
Fortiva credit card. Tried resolve with prior. Harassing only. Doesn't seem an American run business not aware if correct. Paid day before due and they billed anyways next day which was returned because I am in hardship. Fees above on purpose because I paid day before and account should be even but above balance due to double billing to gain fees. I paid before due date.
04/17/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20785	Web
An inquiry of my credit report was ran WITHOUT my permission and falsely used. I DID NOT request a credit card screening and certain that someone fraudulently ran this check against my name. I get instant notifications of any changes, inquiries and such on all 3 of my credit reports. This would've been impossible and unlikely considering I am out of town, overseas on vacation.
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21229	Web
These companies are violating the Fair Credit Reporting Act ( FCRA ). These companies have pulled my credit report without my consent. XXXX XXXX XXXX XX/XX/XXXX sales financing company XXXX XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXX personal loan company XX/XX/XXXX XXXX XX/XX/XXXX bank credit card company XXXX XXXX XX/XX/XXXX department store credit card Fortiva XX/XX/XXXXXX/XX/XXXX
05/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NV 894XX	Web
I have contacted them several times to close my account. Each time they indicate they understand what I want and say I need to pay the outstanding balance. I pay the outstanding balance, they still don't close the account and the next month I get another bill for the monthly fee. I am hard of hearing so it is difficult for me to keep calling which doesn't seem to do any good.
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19143	Web	Servicemember
I have notice inquiries that are not of my knowledge and have reached out to these companies in question and received no results I have reached out to XXXX as well and I have gotten a run around. Here are the companies and dates of inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 74135	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX I was denied housing on XX/XX/2023, based on an erroneous report from this company. According to the renter, I owe money to XXXX XXXXXXXX XXXX XXXX. I received most of my deposit back from this rental. I have no public records from any agency, yet this company states its information was reported by XXXX which it wasnt!
04/16/2021	No	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 90063	Web
Aspire credit card is calling me before XXXX XXXX and being hyper aggressive when they speak to me. I have made arrangements already and they call over 5 times ever day. I ask them to stop and I have to study for school and sleep during the day. I can not sleep. Please they will not leave me alone. Also the person on the phone said they will keep calling and never stop.
05/04/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	OH 451XX	Web
My wife it called to make a payment and inquired about why could not access the account online to make payments was told needed an email address did that still could not access the account online so my wife set up for them to do auto-pay on the account have not heard anything until XX/XX/2018 from a debt collector and on my credit report shows it as being closedand late
11/17/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 33990	Web
I received my credit card bill on XX/XX/XXXX XXXX and notice they're trying to charge me an annual fee is {$39.00} on a closed account. when I spoke to the credit card company aspire they said I was being charged the annual fee because I canceled my card 2 days too late. any credit card I've ever had the past would never charge me an annual fee for a closed account.
11/24/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 33810	Web	Servicemember
I had a credit card with XXXX. I was late on a few payments so they closed my account. Ive since been paying the monthly payment due on the closed account. The account was closed by the guarantor for over 6 months now. In XXXX, they charged me a yearly fee of {$49.00}. This is fraud. How can I be charged a yearly fee on a card that has been closed and not in use?
10/31/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	MO 64063	Web
I received a letter today dated XX/XX/ from fortiva retail credit. XXXX XXXX XXXX XXXX Georgia XXXX - XXXX. The letter says that there have been changes to my account. Last 4 numbers of the account XXXX and that the changes to my account will be effective on XX/XX/. I have never opened any credit card with Fortiva retail credit.this is not consensual business.
05/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 115XX	Web
XX/XX/2023 i lost my wallet at the train going towards XXXX XXXX, inside was cash, ny driver lic and aspire credit card ending in XXXX, someone purchase a phone line in XXXXXXXX XXXX for the amount of XXXX dollars, which they open by using my driver license and credit card, i dont have a XXXXXXXX XXXX account, credit card company wants me to pay the full amount.
12/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	OH 45005	Web	Servicemember
My daughter had a medical crisis a couple moths ago and it has caused us financial hardship. I tried communicating and working with this credit card company, Aspire and they refused to work with me on anything. And now I have recieved a threatening email about paying the bill. I have emailed them again before this email they sent me and they chose to ignore it.
11/14/2022	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	RI 02864	Web	Servicemember
I purchased some appliances, and I we put it on the Fortiva Retail Credit card. We were told it was for 6 months interest free. We received the first bill ; the payment is due on XX/XX/XXXX but the statement says the balance needs to be paid by XX/XX/XXXX. They are deceiving customers, it not 6 months from the first bill, its 6 months from the date of purchase.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 119XX	Web
The card reported me to credit bureaus for late payment and everything was paid. XXXXFORTIVA MC 90 days past due as of XXXX XXXX XXXX XXXX XXXX XXXX past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like the late payment information to be taken from the credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	CA 93722	Web
I contacted bank that finance aspire credit card and asked them to stop sending me prescreen offers and the bank forteva said there is nothing they can do and I called aspire credit card and it's just a machine there nobody to talk to it ask for my social and I don't want to give it out cause someone has my information it was a trained without my permission
01/22/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MD 20774	Web	Servicemember
I have notified XXXX of my current situation of being a XXXX employee and requested an extenstion or change in payment date. I was told twice that " We are unable to offer a grace period or an extension on your monthly payment ''. I contacted them prior to the furlough and requested a payment date change " Sorry but your payment date can not be changed ''.
01/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 91744	Web
Cars was stolen on XX/XX/XXXX and used the next morning on XX/XX/XXXX they said that becuase I logged on and saw the transaction that it must have been fraud which is simply not true. I have tried multiple time to resolve this issue with no luck they wont even let me XXXX the choice. STAY AWAY FROM ASPIRE CREDIT CARDS AT ALL COSTS! Stolen XXXX $ from me!!!
02/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	FL 33025	Web
From XX/XX/2021 to present, I have spoken with this credit card company to close this account. They keep giving me the run around, they keep accumulating fess on a card I have not made and transactions on. The keep giving me different excuses, we can not close because you have a balance or card is locked. I think they are doing this to keep adding fees.
03/26/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77006	Web
On XX/XX/XXXX, I responded to a pre-approval offer from Aspire Credit Card. Instead of a soft inquiry - which is standard for pre-approved offers - Aspire submitted a hard credit inquiry which is now reflected on my credit report. I called Aspire and asked to speak to the supervisor of phone operator XXXX. She told me her supervisor was not available.
10/13/2016	Yes	Credit card	APR or interest rate	FL 341XX	Web	Older American
Emerge Credit Card has been charging me 29.99 % interest on a card I not used for over six years. I voluntarily closed the account and have only been paying on the balance owed. However, it seems to only have decreased by about {$2000.00} on the principal over those six years. I need to get them off my back. I am XXXX veteran on set income. Please help.
09/10/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 117XX	Web
the following accounts appear on my credit report, without any authorization, this is not mine, please check them XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXXFORTIVA Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine.
04/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 936XX	Web
I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below EMERGE- SHOULD HAVE BEEN REMOVED XX/XX/XXXX XXXX- CLOSED IN XXXX YET ITS STILL REPORTING
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UNITED STATES MINOR OUTLYING ISLANDS 89431	Web
Checking on my report, I see that the XXXX XXXX is reporting on my XXXX XXXX , as open accounts and closed on my XXXX accounts or vice verses. This is a valuation on my rights and I want those accounts removed on all XXXX credited reporting per 1681b and 1692 codes. Also, these companies are still contacting me via mail, another valuation. Thank you
11/15/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	CA XXXXX	Web
in a previous cfpb complain and I prior telephonic recorded convos i was told my credit protection ends XXXX I called XXXX and they said it ended XXXX which is not accurate. A payment is due XXXX and they are trying not to pay that last payment their obligated to pay under my credit protection. companies like these need to be thoroughly investigated
07/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL XXXXX	Web
I am tired of these collection agencies. Always placing things on my credit file. Without giving me my dispute rights. I never received a letter from them. All thought they will lie saying they did or say they can't locate it to keep reporting it to my credit files. I am paying fortiva directly. Which I just made a {$20.00} payment to them directly.
11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19133	Web
I am very upset with this issue. I sent a letter to the credit bureau and creditor regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
12/05/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	PA 17110	Web	Servicemember
Fortiva credit card has violated the federal Equal Credit Opportunity Act by discriminating against me and open up in a credit card and also by not allow me to dispute the decision in the decision process making of issuing me a credit card by not allow me to dispute the credit card companies decision they have caused further Financial discrimination
02/06/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	LA 70065	Web	Older American, Servicemember
XXXX XXXX Debit from my checking account XXXX XXXX XXXX Debit from my checking account XXXX I have talked to the credit card company on both times. was told that I sch. the payments for payment I disputed their statement. I have no idea who their agent is but someone needs to be held accountable there has to be laws for this person has done toi me
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27529	Web
this company saying i signed up for services i never signed up for. the company is called XXXX XXXX. i called XXXX XXXX to cancel the subscprotions and they told me if i canceled i will owe another company for the loan. I called the company that day to handle the dispute and they told me i signed a non refund contract which i didnt sign up for.
01/23/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	NY XXXXX	Web	Older American
Fortiva issued a credit card in my name to someone else and the account is delinquent. I contacted Furtive and to date they have taken no action, indicating over a week ago that they would send me an affidavit by mail to complete. My reports to XXXX show no activity to resolve false addresses and phone numbers used in addition to the false credit.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75241	Web
This account is showing on my report as closed as of XX/XX/2023. Today, a late payment was hit on my account, dropping me XXXX points. I do not understand how a closed account with no history of late payments can suddenly do this and drop me XXXX points. If this account is closed, it should not be able to make updates to my report 3 months later.
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27610	Web
XXXXFORTIVA ... .has been reporting 8 missed/late payments for XXXX, XXXX, XXXX, XXXX an XXXX of XXXX. XXXX XXXX, XXXX and XX/XX/XXXX totaling 8 payments This payment history is only showing on my XXXX profile. I've reached out numerous of times and they have still said that its accurate. They have been working against me throughout this process.
07/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NC 28214	Web	Older American
Reference complaint XXXX. Negative impact on credit score showing I closed an account. The Reference no is to the original complaint of not knowing about this card. The fact that I did not authorize transferring my 9.99 % account to a 25.99 % card. Which they charged me a {$41.00} fee to transfer the balance without my authorization. Predatory.
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92374	Web
I am disputing following companies for unauthorized inquiries I had no knowledge of up until this point. I am a victim of identity theft and will provide docs of the many submissions i have placed to prove that my account has been tampered and. I am trying to clear my report and this includes erasing these inquiries that wasnt authorized by me
05/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	AZ 85635	Web
The Aspire credit card company agrees they owe me a refund of {$18.00}. However, while they insist upon sending me a check in the mail... they never do. Numerous emails and phone conversations indicate they will send the money, but find excuses such as not having my address when it has never changed and is registered clearly with the company.
01/18/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PA 16601	Web
I had a credit with Fortiva for XXXX XXXX I owed XXXX and some change. My account was sold on XX/XX/XXXX to XXXX XXXX where XXXX XXXX called me and I set up a payment plan of {$130.00}. XXXX took out the payment on XX/XX/XXXX and then today XX/XX/XXXX around XXXX XXXX XXXX XXXX Fortiva took out {$240.00} making my bank account - {$190.00}.
06/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	AL XXXXX	Web
Fortiva changed my retail card into a credit card without my authorization. They sent and email that I didnt opt out of. I deleted thinking it was junk but in no way agreed to a credit card. It now shows up in my credit report as a new account. I feel like this is fraudulent. Dont consumers have to agree to a credit card? What are my rights?
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web
it was reported I had a late payment on XXXXFortivaMC account. I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48127	Web	Servicemember
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. My credit report was hacked & been userd and abused by someone else other than me because I have been incarcerated.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30236	Web
15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48219	Web
I have paid a balance that was owing outstanding to Fortiva ( XXXX XXXX XXXX XXXX XXXX ) and the balance is now XXXX and have been but I still have not seen an update on my credit report. This is adversely effecting me and I even received a letter from a collection agency on a debt that is no longer owed. I hope that someone can help me.
05/13/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	IL 60148	Web
Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of tribute XXXX ( compu credit ) by XXXX party collections is prohibited. I have sent this documentation and a request for removal per this ruling to XXXX XXXX XXXX. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.
09/02/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10475	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
01/04/2024	Yes	Debt collection Credit card debt	Electronic communications Contacted before 8am or after 9pm	GA 30024	Web
I had woken up and checked something on my phone. After being on my device for about 5 minutes, I received a text message from Aspire about my credit card payment being due at XXXXXXXX XXXX. I am on the way coast so there is no reason why I should have received this message at this time of night. It's like they knew I was on my phone.
05/13/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30319	Web
Toll free number XXXX has been calling me for the past 10 days. I have told them each day that they have the wrong number. Every day I'm told that my number will be removed from their calling list, however they keep calling every day some times twice a day. I have filed an abuse complaint with their service provider and now with CFPB.
05/08/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	CT XXXXX	Web
I requested a settlement amount, if account paid in full, the live chat rep referred me to XXXX XXXX XXXX XXXX, stated no assistance is available to me. This is in regard to my aspire card account, now closed. I am currently experiencing financial difficulties due to pandemic and would like to pay off account in full to save interest.
04/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 10314	Web
I tried to close my account because this company added an maintenance fee without notice. I canceled the account and I was waiting for the statements to reflect the accurate balance which was not updated until XX/XX/XXXX and my billing statement isnt due until the XXXX so i dont understand why was I charged XXXX on an closed account.
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31601	Web
15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
06/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	CA 92506	Web
I have tried to report my card lost for the second time as it has not arrived in the mail. I have reached out to Aspire many times, but they refuse to mark my card lost and send a new one. To rub salt on the wound, they are demanding me make payments on my card although one has never been in my possession and I have reported it lost.
09/15/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30339	Web
This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 Fortiva reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted XXXX XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.
07/18/2020	No	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	MA 021XX	Web
I have a line of credit with fortiva retail credit. Never had a credit card line delay payments and dont allow you to pay when ever you want before due date. They give dates that they want you to follow if you pay early but its not convenient for you. It really feels like jumping through hoops just to be proactive and pay debt down.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web
it was reported I had a late payment on XXXX account. I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.
10/02/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30339	Web
This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 Fortiva reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted Mr. XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.
05/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	OH 44087	Web
Issues with my aspire card I have been going round and round with them the closed my account then went back and said the charges were fraudulent and removed them. Why are they refusing to reopen my account? These charges are not my responsibility and aspire card removed them. Why will they not issue a new card and open my account?
11/15/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20785	Web
The company by the name of " Aspire '' received an complaint in XXXX of this year and agreed to remove the inquiry on my credit report within 60 days. As of today, it is still there and I need it removed immediately. It's been several months. Below you will see my inquiry from XXXX and the previous complaint with their response.
09/17/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 31419	Web
The company is Fortiva Credit card company. My monthly payment increased by nearly {$20.00}. I contacted the company, they said it is because I have been with them for 1 year, I have to pay XXXX maintenance fee, and outrageous interest. I also paid a XXXX annual fee. Asked to have it removed I was told it is part of their fees.
09/11/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	MA 026XX	Web	Servicemember
This card charges an APR over 30 percent in addition, to monthly service charges of XXXX $ I scheduled my payment prior to due date. It process a day later I was charged a late fee. They will not waive it. I am XXXXXXXX XXXX XXXX on fixed income. This should be illegal nationally. My options include defaulting, or bankruptcy.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85326	Web
XXXX, XXXX XXXX, Fortiva and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. XXXX XXXX has 2 accounts for {$500.00} and {$1900.00}, XXXX has 2 accounts for {$900.00} and {$800.00}, Fortiva has an account for {$500.00} and XXXX has an account for {$2000.00}
10/26/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PA 17545	Web	Older American
Receiving several calls from this collection agency or credit card company I called account services about these calls and they refused to take my informaton because I would not give personal information to them- Told them that i had a attorney representing me and the person on the other line refused to take the information
05/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WA 98837	Web
My credit card company ( ASPIRE ) has not returned my negative balance credit for over three months. They claim I requested it on XX/XX/XXXX but that is false. I have called multiple times and was told it was going to be mailed. I called and confirmed I have had a negative balance since XX/XX/XXXX. I don't know what to do.
08/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	MI 49444	Web
HJR 192 72 10 USC 15 SEC. 1681 The government is responsible for all debts and I am the original creditor, therefore I give value not receive it. The living entities fund the corpus ( dead ) paper entities. This is direct injury to me as the living, and I can seek damages and recourse through various remedies and redress.
06/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 754XX	Web
I was frayed on 4 different credit cards and until I checked my credit I did not know nothing. I never got anything in the mail. I ended up paying the account in full because it was damaging my credit. I had to pay one other one to. They had the wrong address on file and everything. I never requested for this credit card.
11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19119	Web
In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.
10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43040	Web
Account opened on XX/XX/2015. There is not date that I or the company even closed it credit limit was XXXX XXXX Balance I owe in XXXX XXXX Status is a charge off. Called company and asked them to remove this from my credit report since I owe nothing. Actions were not taken because the company sold my account information.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29045	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violate my rights. 15 U.S.C. 1681 Section 604 A Section 2 : States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48219	Web
I have attempted to contact XXXX, Fortiva AND XXXX XXXX XXXX XXXX regarding this debt. The debt is reporting INCORRECTLY and have been sometime. Whatever incorrect update that was made on XX/XX/ dropped my score by 34 points!!!!! nobody can seem to get this account corrected between the two companies so I need help.
10/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80015	Web
I have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.
11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19154	Web
Isnt resolving disputes billing errors 15 USC 1666B Under 15 USC code 1692j - furnishing certain deceptive forms I am not participating inn the collection of this alleged debt. Cease and desist " Fraud vitiates the most solemn Contracts, documents and even judgments '' [ U.S. vs. Throckmorton, 98 US 61, at pg. 65 ].
02/19/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33183	Web
XXXX/FORTIVA is reporting negative information on my Credit Report on a debt that does not belong to me. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
12/05/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78245	Web
Fortiva opened up a credit card in my name illegally. They signed my name on the account. I never authorized them to open a account in my name. Fortiva has now ruined my credit to XXXX XXXX score. They keeping telling XXXX that i am late in payments, when i do not owe them anything. I do not even know who they are.
04/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MN 554XX	Web	Servicemember
I had taken out credit for future services for company " XXXX XXXX XXXX ''. The company then declared bankruptcy and went under and did not give me the services that I had paid for and was continuing to pay on. The dept was sold to company " XXXX/ATLANTICUS '' and they are currently attempting to recover the money.
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06451	Web
My account was fraud and reported to the police department which ive provided police reports i also notified Aspire credit card and the Fraud supervisor agreed to remove this account Asap. Also XXXX XXXX bank which XXXX credit cards was maxed out and charged over the limits in my name please delete these accounts.
04/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	AZ 85035	Web
FORTIVA CREDIT PROTECTION REFUSES TO SEND REQUIRED DOCUMENTS TO ME SO THAT THEY WILL HAVE TO PAY OUT FOR THE 6 MONTHS AS REQUIRED IN MY SERIVICE WITH THEM MY CREDIT CARD COMPANY HAS BEEN ASSISTING WITH OTHER FEE 'S BUT THERE IS MORE TO BE DONE I SEE AN ADDITIONAL XXXX THAT IS OWED TO ME. XXXX MINIMUM PAYMENT X6
04/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	FL 34759	Web
In Accordance with the Fair Credit reporting Act Aspire Card Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : II also states a consumer reporting agency can not furnish an account without my written instructions
03/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 48238	Web
XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe. It appears a debt discharged in bankruptcy or otherwise not mine is attempted to be collected upon. Interogation of my XXXX year old mother has her very upset. I do not owe any debt to XXXX XXXX XXXX XXXX or any of the zombie debt purchasers.
07/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CA XXXXX	Web
On my credit report it states I'm 30-90 days past due ... In a prior complaint Fortiva responded that my credit protection was activated and my account is current. on screen shot u provided from my Fortiva account shows my account is current. thar needs to reflected and reported to he credit beaurus correctly
07/11/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	NY 11561	Web	Older American
Received a letter from them stating I had applied for credit and requested documentation. Original Pay Stub Copy of Social Security Card Copy of last tax return Original recent utility bill I have never head of this company or applied fro credit from them. I haven't applied for any credit since XXXX XXXX
07/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WI 531XX	Web
Fortiva credit card uses deceptive practices when assessing late fees. If you make a payment on your due date but it happens to fall on a weekend or holiday the payment doesnt count and a fee is assessed. The same goes with their payment cut off times ; payments purposely do not post and fees are assessed.
01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90063	Web
I received notifications on my phone about my credit account that I had opened a new credit account and it was a credit account of over XXXX $ and they told me that they were going to send an affidavit to fix problem but I dont know what happend and I have to fix it because its affecting my credit score
10/08/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30114	Web
I submitted a dispute claim with Aspire on XX/XX/XXXX for a return that I made VIA XXXX on XX/XX/XXXX and provided Aspire with my tracking number from XXXX as well. As of XX/XX/XXXX Aspire still has not responded to my dispute request. I have called Aspire to follow up however I just get the runaround.
01/19/2023	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 95901	Web
This company is not actual XXXX XXXX. You can not contact them or make payments on the website it is always down! I tried contacting them about my card being lost and they claimed I owed XXXX then XXXX different amounts everytime! They're dispute /fraud dept is closed! And now I have them on My credit
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30281	Web
I paid off several debts over a year ago. The credit bureaus are still reporting them in a negative way. It is sayin too many delinquents, when there is no delinquents. It had caused me many denials, ans large deposits fir things. I have disputed over and over. It is emotional distress at this point.
09/13/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 080XX	Web	Servicemember
I'm being charged a maintance fee and credit protection fee that I did not sign up for. If my payment is {$25.00} they are taking most of my payment and applying them to fees I only have about XXXX dollars applied towards my interest my balance keeps going up with out me hardly using my credit line.
10/07/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95348	Web
N accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
01/18/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	FL 33404	Web
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
08/27/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	PA 18504	Web
Fortiva Retail Credit is charging me interest on an item I returned because it was damaged. They received the credit back on XX/XX/2019 but are telling me I have to continue to pay interest on the balance. The company refuses to refund me the money that is credited on the account and the interest.
10/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 91304	Web
This is my old complaint # XXXX, I was emailed by Aspire that I will get prorated annual fee refund and the positive balance I had on the card total about {$92.00}, well I was told I would receive a check in the mail within XXXX business days, 17 days had gone by no sign of a refund. Please help
08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 308XX	Web	Servicemember
In accordance with the Fair Credit act XXXXFortiva Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
11/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	OR 97068	Web
I have a Fortiva Credit Card. I have requested a replacement card multiple times and have not received a working credit card. During this time I am being charge maintenance and service fees. I have called multiple times and on two occasions, the customer service representatives have lied to me,
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30096	Web
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
01/28/2018	No	Credit card or prepaid card Store credit card	Closing your account Can't close your account	MA 023XX	Web
XXXX XXXX XXXX line opened without my authorization. I did not authorize a company ( XXXX ) to open this line of credit. I applied for credit with another bank partnered with XXXX and I was redirected to accept an application from XXXX, which was not clearly disclosed. I want my account closed.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA XXXXX	Web	Older American
During XXXX I was out of work due to XXXX XXXX. My XXXX, XXXX XXXX and XXXX accounts were late due to no income. One we could return to work they were paid off. However the put negative statement on my report. My entice work place was shut down. My progressive also turn me over to collection.
10/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75006	Web
Received at my home address a collection notice addressed to somebody who does not live here. It was addressed to one XXXX XXXX, but no such person lives here. Worried this dishonest debt collector might next try to attach negative information to my credit report of my son 's credit report.
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20002	Web	Servicemember
Fortiva had my correct address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They decided to change it this month to a false address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is false. They credit agency and irs contacted me to notify me of what they did.
07/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TN 37323	Web
Company closed my account. No Reason given.. However, the account was only a few months old. I believe that this action is actually discriminatory. Fortiva offered the account to open as an additional account to my original Retail account and they specifically marketed to me this account.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30083	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15USC section602 states I have the right to privacy. 15USC 1681Section604A Section 2 ; its also states a consumer reporting agency can not furnish a account without my written instructions
09/25/2018	No	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	CA 93638	Web
Had the XXXX Home improver card since 2017, I have never had a late payment I have paid over {$1300.00} to them for a card with {$2000.00} limit and it shows i have only paid it down {$200.00} dollars. I cant identify how they are stealing from me they have masked it well please help.
12/16/2023	Yes	Credit card Store credit card	Problem when making payments Problem during payment process	PA 191XX	Web	Servicemember
On XX/XX/23 I paid my fortiva XXXX XXXX credit card bill 3 days before it was due by checking account. The company ignored the payment even after giving me proof of payment confirmation They then made me pay it again after they marked it as late intentionally when I paid it XX/XX/23.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60611	Web
I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of FCRA.
09/29/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 34234	Web
My name is XXXX XXXX,,,, fortiva credit card company is calling me at XXXXIhave asked them to stop calling me while im at work, home and on my free time and they will not, don't have a credit card with them..fortiva, calls me, this is very stressful, and XXXX... they will not stop!!
05/06/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 302XX	Web
XXXX opened an account with Fortiva on XX/XX/2020 in my name and I have never signed up for security service. When I spoke with the company about the account I did not open, they did not care and wanted a payment anyway. Now the account is delinquent and it is destroying my credit.
03/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OH 45238	Web
My credit card account was taken over last year and fortiva has failed to update negative information and the credit card account itself. On top of that bombarding me with emails asking for me to pay interest charges and late fees from the result of my account being compromised.
07/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	MI 49401	Web
In XXXX, my card was suddenly not working. The company said that It was lost or stolen. Which I never reported. I have requested a new card 3 times and never received. Received an annual fee and inquired. The account was closed without my confirmation and they want a annual fee.
12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 386XX	Web
I continue to ask for proof as part of the dispute process of late payments that are being reported on credit profile. Instead of sending the proof, the disputed months become " unknown '' while other months that were report without incident " ok '' then receives late comments.
11/30/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	TX XXXXX	Web
After investigating I did not authorize this account in my name. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such in fact therefore no debt exist
11/26/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MI 483XX	Web
I called and asked why they keep calling me. I make my payments on time. They saidmy number was connected to another acct. the lady said she would fix it my acct was fine. 1 hour later I get another call. I try to call them back to question them and now my calls dont go through
08/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 77092	Web	Servicemember
Aspire Visa did not offer arbitration per our contract on disputed amounts and charges. They sold the debt to XXXX XXXX XXXX without resolving dispute.They are both reporting negative information on my credit bureaus in error making a double negative impact on my credit score.
05/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33634	Web
A Fortiva credit card was opened under my name at a XXXXXXXX XXXX XXXX XXXX XXXX in XXXX, Michigan, on XX/XX/2021. They charged {$5000.00} on the card and now have a past due balance of {$1000.00}. I have notified Fortiva and they are working with me to resolve this matter.
02/04/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32809	Web
Fortiva financial services continues to contact me after I asked them to cease and desist from communicating with me regarding furniture financing. I would like this charge somehow removed from my credit reports as I am fixing my credit and have accounts now in great standing.
09/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 30052	Web
I am requesting the balance of XXXX to be sent to me in a check as this is the credit balance on my account and under the Under the Comment for 1026.21 - Treatment of Credit Balances and TILA Act i have the right as a consumer to request this refund credit to be mailed to me.
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85339	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
10/16/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	IN 47250	Web	Older American
I made all the payments yearly and paid XXXX dollars to open the account.I don't have very good credit this is the reason why I open the account and now they are charging me {$70.00} they say I still owe I never received a credit card from them they sent it to wrong address.
08/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 28273	Web
Aspire offers to match my minimum payment to help pay down the account I agree and pay the {$11.00} minimum payment it says I need to make. Then every month it is sending notifications that I have not paid and reporting to credit bureaus that I have not paid or I'm past due.
12/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 15212	Web
My original account was paid off with no balance charges remaining They closed my account, and reopened a new account in my name. There has been a card issued to someone and I be o not have access to the card. There has been new and recent charges on the account since then.
06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NC 28208	Web
I check my credit every now and then I checked it today and noticed my score was way down I seen an account for aspire I did not open this account I am so mad the bill is {$500.00} I lost my phone for two weeks Im assuming thats how someone got my information please help me
03/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 028XX	Web
Fortiva XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has been sending me collections notices. The collection has been reported as charged off.I do not know this company. I have never done any business with this company. This company does not a contract with my signature
06/15/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 77038	Web
caught XXXX 2 times on top of that my XXXX kids caught XXXX spoke with the fortiva rep who said she would update my account stating i had XXXX my account was closed after i made a partial payment, they are still harassing me about a payment which i just got back to work
01/28/2021	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	GA 30605	Web
Fraudulent credit cards were obtained in my name and maxed out. I disputed with the company and they just verify the account and refuse to remove it. I've asked for proof of my signature opening these accounts and nothing has been provided. I am a victim of identity theft.
08/11/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32771	Web
I have a loan with FORTIVA/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FORTIVA/XXXX with no successful resolution. There was definitely an error on their part.
10/25/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see no changes for the last account that I've filed last month. I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
12/11/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TX 75080	Web	Servicemember
Emailed XXXX XXXX on XX/XX/2022 she stated that the account would be deleted off of credit report. Never used services. Her direct number is XXXX. It was pertaing to XXXX XXXX XXXX XXXX not render due to medical reasons. Card issued from XXXX XXXX. Account number XXXX,
06/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	PA 183XX	Web
I have one credit card with Fortiva ending in XXXX with a 34.74 % Annual Percentage Rate The Lender has raised my rate to usury levels making repayment prohibitive. I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations
03/24/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 43224	Web	Older American
Fortiva charged a {$36.00} late fee to my account on XX/XX/2020. My payment is due on the XXXX and it WAS PAID on the XXXX but they refuse to correct it. I asked for account closure and they complied, however their mistake caused a 51 point drop in my credit score.
06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	AZ 85353	Web
To whom it may concern. I fell behind on my credit card payments and a personal loan due to job loss. I havent been able to recover since. Its been a real struggle for me. Im Filing for XXXX. I want to get my credit fixed as much as possible. Sincerely yours XXXX.
08/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29910	Web
I closed this card months ago but still am paying it off. They are trying to add a XXXX Maintenance fee on top of my monthly payment every month. I tried to talk to them to remove it but they will not so now I got a pay that every month on top of my regular payment
07/17/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32809	Web
There is currently an account from a company called XXXX/fortiva reported XX/XX/14 that is negatively affecting my score and I just recently became aware of this. I need this incorrect debt removed from my credit reports please. I found this debt using XXXX XXXX.
12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33009	Web
On XX/XX/2022 I went to the website I did a pre-qualification. It clearly says on the website that it will not affect my credit multiple places on the website because I read the terms and conditions and they ending up placing an hard inquiry on my credit report.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30071	Web
I received a inquiry notictification for on XX/XX/2021 for XXXX/Aspire. I did not place an inquiry or request an application. The application was placed fraudulently and I am requesting the application be canceled and inquiry removed from my XXXX credit report.
09/19/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	OK 73099	Web
My husband and I both applied for a card with Fortiva separately and both got approved for 6 months no interest and a {$1500.00} credit limit. The company did not apply the 6 month no interest to my card and is now refusing to do so saying no I do not qualify.
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	FL 33063	Web
I filed bankruptcy XXXX XXXX, which was discharged from Aspire credit card. They have on the automated system I owe {$1100.00} and a payment of {$600.00} is due in XXXX. I told them to delete this file I have a discharge order from the judge dated XX/XX/22.
08/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	FL 322XX	Web	Servicemember
Fortiva sent a XXXX that I did not apply for and it is now on my credit report. I do not want this to affect my credit score as a closed account since I never opened the account. This is a huge issue for me my credit is frozen to prevent this type of fraud.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	HI 96706	Web
I had my identity stolen by person name XXXX XXXX XXXX from XXXX XXXX XXXX but lives in XXXX XXXX XXXX and another person name XXXX XXXX from XXXX Hawaii USA and made fraudulent accounts like aspire credit card and XXXXXXXX XXXX XXXXXXXX Plus XXXX XXXX XXXX
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77038	Web
Fortiva credit card is reporting incorrect information on my credit report, after paying the out in full the company place 8 late payment with 2 credir bureas and 2 late payment with the other, this is a inaccurate information reporting on my credit report
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 361XX	Web
Recently seen a late payment on my credit report from fortivia that I do not recognize. According to the FCRA transactions are not supposed to show on a consumer credit report. I know that this an billing error and I just would like for it to be corrected.
06/29/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28273	Web
Comapany block customer for 7 days before making another payment. I have called and was told to wait 7 days. If consumers ca n't make payments, IR balance will increases. This customer is forcing consumers to pay more money in IR not fair and very fishy..
07/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OK 744XX	Web
They want to charge a fee per month yet wont allow me to use the card. Ive made multiple calls and chat messages to try and fix the problem. The company wont do anything about it. It needs to be fixed to wrk and fees removed for not providing a service
03/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28306	Web	Servicemember
I contacted the company to have them remove the derogatory information that they placed on my credit report in which I told them I am the victim of Identity theft and I never opened an account with them neither did I sign any contract with them directly
10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 361XX	Web
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FORTIVA INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are not my inquiries these are not recognized or acclaimed by me. I request they be removed and deleted from my credit report.
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33543	Web
The payment was due XX/XX/ and on XX/XX/, they reported the payment as 30 days late. Anyone with a calendar can tell you that 3 doesnt equal 30. This bank engages in so much fraudulent activity, I shouldnt have to have 2 complaints opened about them.
10/05/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30281	Web
I paid this debt to the creditor who purchased it in XXXX XXXX the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid
12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17545	Web	Older American
I have sent several emails to this company informing them of XXXX XXXX XXXX that is now in automatic stay by the XXXX Court.I sent orders from the judge that was ignored and they continue to charge a XXXX percent interest plus adding late fees.
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48186	Web
XXXX/ATLS/FORTIVA MC are reporting to the credit bureaus missed payments. Also they are reporting payments that were made that were never made. The account was reported closed. So im not sure why missed informed information are being reported.
10/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NY 12010	Web
On XX/XX/XXXX th of of this year fortiva closed my account and failed to notify me in the thirty days register under the credit card act of 2009. XXXX a manager admitted on a phone conversation there negligence of fortiva. But he did not care.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 441XX	Web
XX/XX/2022 XXXX/ASPIRE account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals
01/02/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02860	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
11/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
03/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	PA 17110	Web	Servicemember
Aspire credit card has not allow me to file my dispute due to my credit card being stolen. I submitting a verbal and written notification of dispute under regulation E. Aspire has not agreed to their terms and agreements under regulation Z.
03/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	PA 186XX	Web	Older American
The company refused to pay me the cash back of {$17.00} after they told me it would be applied. I made a purchase of {$19.00} then paid {$2.00} to cover the difference. Now they claim I'm not getting the cash back and I owe them {$17.00}.
03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43224	Web	Servicemember
I entered into the Fortiva credit protection program which pays the minimum balance due for 6 months. Fortiva paid my minimum monthly bill, but reported to the credit bureaus that my account was past due, and it affected my credit score.
10/21/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91784	Web	Older American
This company submitted a fault reply to CFPB when they addressed my concern I had always paid them within the 15 day grace period and they still reported to the various credit companies that I was late. Please see the attached exhibit A
09/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 280XX	Web
aspire credit card charged me double ( over {$170.00} ) x2 on XX/XX/22 and XX/XX/22 and refuses to do anything after requesting they do so in writing and by phone. This Is Already taken XXXX pts off my credit score! i need help please!
07/01/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WA 98290	Web
I closed my Fortiva credit card account last year and am being charged a monthly " Account Maintenance Fee '' in the amount of {$12.00} and was just charged an " Annual Fee '' of {$49.00} on XX/XX/2019 even though my account is closed.
02/18/2020	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CA 95376	Web
If you have other complains on this company I will add mine. If not I will just charge it to bad experience. Fortiva Retail Credit open an unauthorized/ declined credit card application and send payment of {$2500.00} to a merchant.
07/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NM 87112	Web
I paid off my entire credit card balance with Fortiva, closed the account and yet the company says I owe money for an annual fee ( {$29.00} ) and for a monthly maintenance fee ( {$12.00} ) they charged me after I closed the account.
01/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30024	Web
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
02/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30260	Web	Servicemember
Fortiva credit card has 2 credit card accounts that were opened as a result of identity theft. Ive sent documentation verifying that however they continue to not honor the request to investigate and remove the fraudulent accounts.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 604XX	Web
its being reported on my credit report i filed a bankruptcy when i have not causing accounts to be closed and my credit dropping over a 100 points! this caused me to lose my credit standing and i no longer qualify for a home loan
03/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	AZ 85035	Web
Lost job twice in 2021 and was never aware of my credit protection I was paying for till they cut it off and then when I mentioned it XXXX said not their problem. not first time this company has done this to me. reference XXXX
07/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CA 92553	Web	Servicemember
I sent " Fortiva Master card '' debt validation letter over 30 days ago. I was asking them to validate a debt they say I owe. Or, remove it from my credit report. I've have been waiting for my response. They have not responded.
06/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	PA 183XX	Web
I have two credit cards with Aspire XXXX and XXXX Lender has raised my rate to usury levels making repayment prohibitive. I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations
06/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PA 17602	Web
XXXX XXXX XXXX XXXX XXXX was opened XX/XX/23 and charged {$1200.00} without my authorization. Spoke to the card company and they said they will look into it, spoke to XXXX XXXX and they have no account with my name or social.
01/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Personal information incorrect	NJ 070XX	Web
XXXXAspire XX/XX/XXXX inquiry XX/XX/XXXX removal another inquiry on XX/XX/XXXX removal date on XX/XX/XXXX same company with XXXX inquiries and removal dates XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX
04/27/2020	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CO 80109	Web
MY FORTIVE/XXXX XXXX-BUYER BEWARE!!!!! PAID PERFECTLY FOR A FULL YEAR, MADE A PAYMENT ARRANGMENT FOR FINAL PAYMENT WITH A POST DATED CHECK TO AVOID DEFERRED INTEREST CHARGE AND WAS CHARGED ANYWAYS EXTRA {$940.00} PLUS FEES
10/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33165	Web
I have credit inquiries on my report that I do n't recognize. For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, Atlanticus Services on XXXX/XXXX/XXXX and so on.
08/26/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	IN 47201	Web
My soon to be ex-wife took out several credit cards and loans in my name and left me with over {$30000.00} of debt. I currently have several collection agencies trying to get money from me and my credit score is horrible.
05/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 11234	Web
They are scamming my account. I tried to pay off the account twice and reversed the payments. Then hit me with several late payments and fraud my account. Ive used the same account for the past two years to make payments.
04/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30260	Web	Servicemember
I received a letter from XXXX XXXX regarding a fraudulent debt that FORTIVA has already stated theyd cancel/waive this due to identity theft ( See attachments ) however XXXX XXXX is trying to collect on a fraudulent debt.
12/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MA 025XX	Web
I had my balances on three of their credit cards they continued to increase my balance with these crazy fees i wAs being charged four-five different fees causing my balance to escalate and double or even triple in balancr
04/05/2018	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web	Servicemember
XXXX continues to tell me that I owe. Several times I had told XXXX that account had been satisfied. I sent an email telling XXXX account was satisfied. I have forwarded XXXX a copy of receipt that account was satisfied.
09/12/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30157	Web
The company in question is calling every 90 minutes on weekdays and Saturdays. The company called twice this past Sunday XX/XX/XXXX. I advised them not to call on Sunday and to call back on Monday if they wanted to speak.
11/02/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 33971	Web
Aspire credit card has increased my " account maintenance fee '' to {$10.00} per month without informing me. They said they emailed me updated terms. I have not received any updated terms via email or mail. Unacceptable.
08/26/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	IN 47201	Web
My soon to be ex-wife took out several credit cards and loans out in my name and racked up around {$30000.00} worth of debt in my name. I currently have debt collectors trying to collect and my credit score is horrible.
05/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48204	Web
Fortiva financial is claiming i owe them over {$500.00} i went for a consultant at XXXX but never had the XXXX. The total cost for this was over {$2000.00}. Fortiva understood and credited the account all but {$580.00}
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48223	Web	Servicemember
XXXX XXXX is reporting late payments for XX/XX/XXXX, XXXX, and XX/XX/XXXX in which they received payments and this account has never been late. I requested several times via phone and by mail and nothing has changed.
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	HI 968XX	Web	Older American
Misuse of credit by several cc companies .. credit / debt sold to unauthorized corporations .. reporting is very off .. amounts owed and consumer fraud by cc companies as my SS number has been sold without my consent
06/07/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 079XX	Web
Have a XXXX XXXX XXXX credit card.They tell me I missed two payments and they are wrong .I paid off the balance. They closed my account it is showing up as a negative.I tried to talk to them and I got satisfaction.
05/05/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77095	Web
cra violation XXXX, XXXX and XXXX in violation of my rights took off a inaccurate loan then put it back on my credit .... cra violation .. Notify the company with ftc and po report sent to all parties involved ....
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77038	Web
I called XXXX XXXX numerous time also sent in a dispute letter about the 3 late payment on my credit report last one was sent in on XX/XX/2022 asking to remove the late payment and still haven't gotten a response.
04/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	IA 514XX	Web
I've contacted them so many times!! I did not ask to have my card closed!! They reported it to the credit bureau and I can't use my card!! I need them to reopen it! My credit score has gone down because of this!!
02/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PA 186XX	Web	Older American
On XX/XX/XXXX I made a payment of {$60.00} and accidentally made a XXXX payment on XX/XX/XXXX. I reported it on XX/XX/XXXX and they told me a check was sent out on XX/XX/XXXX. I never received the check. Thanks.
04/13/2022	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	MD 21214	Web
This complaint is really referencing my inability to reach the collection agent that fortiva placed my debt with. They never answer the phone or return messages. Ive been trying to work on this for some time now
06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02151	Web
The company is Aspire credit card. The company is reporting me late on my credit card for Fraudulent activity. I have attempted on numerous occasions to get in touch with them but nothing. I want to report them
04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77038	Web
XX/XX/2023 FORTIVA CREDIT CARD IS SHOWING A LATE PAYMENT ON MY CREDIT REPORT, SPOKE WITH REP AND HE IS SAYING THAT HE DOES NOT SEE IT THIS IS NOW REPORTING ON ALL 3 OF MY CREDIT REPORT I WAS NEVER LATE IN XXXX
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30605	Web	Servicemember
A company called Fortiva is saying that I have a closed account with them and owe {$700.00}. The account was opened this year. I reported the fraud and tried to dispute the transaction and they wont help me.
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30605	Web	Servicemember
A company called Fortiva is saying that I have a closed account with them and owe {$700.00}. The account was opened this year. I reported the fraud and tried to dispute the transaction and they wont help me.
01/18/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	PA 19131	Web
Pursuant to 1692b ( 5 ) and 1692f ( 8 ) Aspire sent me a statement with their symbol on the envelope and inside the content. The content in the letter did not state that it was an attempt to collect a debt.
02/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	AL 36869	Web
I have two accounts with fortiva. I've been paying a lot of late fees. I am 2 months behind because my checking account was closed. I'm been trying to pay down my balance. But the late fees keep adding up.
06/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MS 386XX	Web
I couldnt pay monthly bill because I was sick with XXXX I offered to pay XXXX a month but they did not take offer now they call and text 5-6 times a day also called my job and told my buisness to coworker
02/20/2017	No	Consumer Loan Installment loan	Managing the loan or lease	FL 33177	Web	Servicemember
I financed an exercise machine from XXXX. The financing is done through Fortiva XXXX and I have been waiting for refund for 4 months. Both companies are at fault, they both keep sending me back and forth.
02/04/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TN 37160	Web
on XX/XX/19 this company charged me twice for my due bill and then told me to take it up with my bank if I didnt like it. They do nothing but give constant issues. They also refuse to close my account.
03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NJ 07003	Web
XXXX atls aspire shows that XXXX has reported this again after it was removed from other bureaus police report was submitted and its past the 30 days they can not put back this disputed I'd theft iteam
07/04/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 60445	Web
COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX-XXXX etc..
12/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	OH 45005	Web	Servicemember
Contacted Fortiva on helping me out with financial hardship after my daughters medical crisis a couple months ago. Im having problems making payments because of it. Fortiva refuses to work with me.
06/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 12804	Web
someone is using my name and social security to make purchases and I'm unaware of it. i have never heard of " XXXX XXXX '' or " fortiva '' in past and I'm getting debt collection letters from them.
07/06/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	SC 29720	Web
This account was opened XX/XX/2016 in the amount of {$3600.00} that I have absolutely no knowledge of and NEVER received a credit card or limit or mail for this account. And it has been closed out.
03/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 60618	Web
Aspire credit card closed my account because of a few late fees. I have always paid the card. I asked them to reopen the account and they said no they won't because of the late fees, which I paid.
07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10037	Web
Willl by law the validated my rights so by credit act I have the rights to disputes the Credit card if they are wrong end accurati hope you delete our dispute all they account are in my report ok
01/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TN 37040	Web	Older American, Servicemember
in XXXX XXXXmy card was charged {$15.00} i reported it to Aspire, they sent me a new card now 2 months later i have been charged late fees and can't get through to the company it's up to {$66.00}
04/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33169	Web
I didnt authorized this or gave any one permission to apply and receive a card with my information. Ive been getting calls and also i see this on my credit report and i want it remove or delete.
01/05/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	OH 44035	Web
XXXX is more than 7 years old and was supposed to be removed from my credit report. someone must have shared or bought some information because that debt should have been removed and it was not.
12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75056	Web
In my XXXX report, it shows Hard Inquires that are not mine and I do not know the companies that issued it : FORTIVAXXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
When the XXXX XXXX XXXX reported this account I saw immediately that this is inaccurate. Why? Because the payment history is in disarray. Also the date of last active is reported differently.
05/02/2018	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KY 40509	Web
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
06/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 640XX	Web
They charged deferred interest 2 days before grace period was up. I went to pay my balance and they added the deferred interest two days before grace period. The do it with late fees as well.
05/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 32218	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
05/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 32218	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 631XX	Web
XXXX / ASPIRE was incorrectly listed as a credit line decrease to {$1600.00} when on the statement below you can clearly see my credit limit as {$1900.00}. I received a credit limit increase.
07/05/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 60445	Web
COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX..
10/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 32738	Web
XXXX has assessed fees in excess of its own policies. Refuses to remedy any billing errors and closed my account without prior notification or clarification as to why. Please See Attachments
10/13/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	WA 98837	Web
I called and asked why they closed my account, they said they had the right to close my account anytime for no reason. I feel they closed it because I am XXXX I feel discriminated against!
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48238	Web
I made a final payment 2021 to fortiva. They are still reporting to the credit bureau that the account is delinquent/derogatory. I have sent letters but nothing has changed nor a response.
02/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	VA 231XX	Web
On XX/XX/2021 and XX/XX/2021 Fortiva ( Fortiva XXXX ) ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48111	Web
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.
01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32305	Web
THERE ARE ACCOUNTS ON MY CREDIT REPORTS RTAHT DONT BELONG TO ME. THE ACCOUNTS ARE FROM : 1 ) FROTIVA MC/XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX
03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36330	Web
Fortiva XXXX Showing past due amounts XXXX of XXXX XXXX {$790.00} Company saying balanced is closed when its at a XXXX balance Company also XXXX balance when it should not be closed
06/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	DC 20001	Web	Older American, Servicemember
Tried to apply for XXXX credit card and was denied because they say they can not verify my address. I input my current and previous address and it still denied me based on that.
07/31/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 945XX	Web	Older American, Servicemember
I pay of my Aspire credit card, and was told my late fee would be taken off, and am still being charged late fees upon late fees. As a result my card was canceled without notice.
07/28/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	WA 981XX	Web
On XX/XX/2021 I paid my bill online and in full at XXXX. The payment was not processed until XX/XX/2021, the day after the payment was due. I was charged a {$29.00} late payment.
02/06/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	IA 514XX	Web
My available credit keeps going down because they are double charging me. I've contacted them two days in a row and asked them to fix it and they just keep saying it's updating.
11/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with convenience check	CT 06451	Web	Servicemember
I been a victim of fraud I paid credit card and my card was lost and the balance were used I was promised a check in the amount of XXXX which I never received in the mail to me
02/06/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MI 48162	Web
Aspire calls 3-4 times per day or until i answer the phone. This is harassment. I have XXXX XXXXXXXX and this is making me have XXXX XXXX. I want compensation for harassment.
02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19146	Web
On XX/XX/23, the creditor reported a late payment to credit bureau which is incorrect information. I'm requesting that this late payment to be removed from my credit report.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98404	Web	Servicemember
They agreed if I made a {$34.00} payment they would show my account in good standing. I made the payment on XX/XX/23 and on XX/XX/23 the account was showing as delinquent.
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33781	Web
There are 2 hard credit hits on my credit report that I did not do. I want them to remove the hard hits to my credit. One of the company is Aspire and the other is XXXX.
01/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62959	Web
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
07/15/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 33147	Web
I closed my card 4 days after I was billed an annual fee. I called the credit card company to close my account. They refused to prorate or credit my portion of this fee.
01/24/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MN 55112	Web	Servicemember
I requested to cancel my account and I was told by the online customer service associate that I couldn't do so. The maintenance fee of {$12.00} per month is outrageous.
07/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WI 53546	Web
Fortiva cradles is a fraud it doesn't report to credit to anyone and they are rude and very unprofessional they over charge you someone needs to look into this company
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77493	Web
I sent out the information to the credit companies 2 months letting them know that these account were never late and paid off, but the havent responded back to me yet
02/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 720XX	Web
Aspire is in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 2 ) and 15 USC 1692f ( 8 ). PLEASE CHECK ATTACHMENTS BELOW FOR PROOF OF VIOLATIONS.
07/15/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MA 027XX	Web
Fortiva card XXXX Card was charged XXXX last year approximately around XXXX of 2021 XXXX XXXX in XXXX XXXX Excepted the charge on my account for the amount above.
07/29/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AZ 857XX	Web
I noticed charges withdrawn from my bank account on XX/XX/2021 totaling {$7300.00}. Charges were made by Fortiva MC, a card I have never heard of nor applied for.
02/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30260	Web	Servicemember
Fortiva has 2 credit cards that were opened fraudulently in my name. Ive sent police reports to confirm this however they have not fixed this negative reporting.
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31313	Web
This account showed up on my credit report. This account never belonged to me. I contacted the company and was not able to get resolution after several attempts.
09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web	Servicemember
XXXX, XX/XX/2022. XXXX $ I called company told them I was Very XXXX and was out of work, I would do what I could but pls dont put dilquent payment on my report,
08/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 98007	Web
XXXX is reporting inaccurate information on my credit file, and trying to collect I do not owe. This debt was paid, and they are in clear violation of the FCRA
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 367XX	Web
I didnt give my permission for this company to report my personal information to any reporting agency or person and they are in violation of my privacy rights
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48186	Web
FORTIVA MC/XXXX are reporting to the credit bureaus false information. Stating missing payments for XXXX and XXXX. This account has been closed on XX/XX/2020.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30038	Web	Servicemember
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
07/19/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85353	Web
Account Name : XXXX/FORTIVA Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.
09/01/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	VA XXXXX	Web
Aspire charged a {$99.00} fee to activate the account. However, denied access to the full credit limit ; only allowing 50 % of the credit limit to be used.
07/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	AL 35211	Web
I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.
11/12/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92683	Web
XXXX this is the original complaint I filed with you guys in regards to this company after you close the case they reverse the charges and charge me back
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 235XX	Web	Older American
Loan or card opened on my credit report for {$20000.00} dollars. {$11000.00} of that balance used. Fortiva Retail Card XXXX XXXX XXXXXXXX XXXX XXXXXXXX
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60624	Web
I have never missed any payments. The payment history is reporting inaccurate. FORTIVA already agreed to update my payment history and has yet to do so.
03/02/2023	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	GA 30082	Web
I received a phone call from Fortiva and I was told the payment was only 14 days behind.. I have a late payment on my credit report that I disagree with
01/04/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29841	Web	Older American
We received a bill from a company fir a line of credit we did not open. The company is Fortiva. There are no charges related to purchases only fees due.
01/04/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29841	Web	Older American
We received a bill from a company fir a line of credit we did not open. The company is Fortiva. There are no charges related to purchases only fees due.
12/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 292XX	Web
This company Fortiva sent me a letter about being denied for credit. I never applied with credit with company. I don't know how they got my information.
10/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CO 809XX	Web	Servicemember
I sent my dispute letters to this company and havent received any feedback. I sent letters on XXXX XXXX, XXXX XXXX, XX/XX/2018 and XX/XX/2018 XX/XX/2018
02/23/2021	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Add-on products and services	NC 288XX	Web	Servicemember
I was enrolled into credit protection for this account without my permission. Upon trying to cancel it they tell me they can't see it and to call back.
03/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NJ 083XX	Web
I report my card stolen and lost. But Fortiva credit card still charging me money on credit card that was stolen and used the amount of XXXX dollars.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06010	Web
I was informed that I didnt have any late payment on the record they stated the reimburse the late payment charge but didnt remove from credit report.
11/16/2022	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NJ 08005	Web
My account was closed for not using it my bank continued to make payments I have a credit balance of XXXX that I have been trying to get for XXXX XXXX
03/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 983XX	Web
Credit cards are both already closed. I paid the remaining balances OFF on XX/XX/2021. Credit card companies are not reporting the balances as paid.
12/09/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90650	Web
I had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53223	Web
I discovered this fraudulent account was on my report and I completed a ftc report and this account has not been removed from my credit report.
07/16/2020	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	AZ 85020	Web	Servicemember
In the month of XX/XX/2020 payments never show on billing Statement. I pay {$900.00} interests took all payment also.Never give correct balance
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 325XX	Web
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Fortiva XX/XX/XXXX and XX/XX/XXXX These were all soft inquiries that I did not authorize
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60624	Web
FORTIVA is reporting inaccurate showing missed payments on XXXX of XXXX and XXXX of XXXX. Thats inaccurate this account has never been late.
05/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CT 061XX	Web	Servicemember
Aspire is charging me interests on a disputed amount and is reporting me to the credite bureau because I refuse to pay the exorbitant amount
04/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 94544	Web	Servicemember
XXXX will not remove the Information from my report after it was agreed that they would close account and remove trade-lines off my reports.
02/07/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web
XXXX breach cause my accounts to XXXX up inaccurate information reporting cra violaton please correct and items showing up that are not mine
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92392	Web
XX/XX/XXXX account # XXXX # XXXX has two different company reporting late payment one in the amount that is XXXX one in the amount of XXXX
03/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
10/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
04/09/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19082	Web	Servicemember
Nonstop calls from different numbers, all hours, saying my credit will be damaged, Ill be held a penalty. Asked to stop contacting me.
08/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	AL 351XX	Web
Hi I see a couple of hard inquiries on my credit report. I just filed bankruptcy and these inquires shouldn't be on my credit reports.
10/29/2015	No	Credit card	Other	OH 453XX	Web
I was going over my credit report and noticed I still have an account on there that was paid in full and closed back in XXXX of 2005
12/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NJ 08105	Web
Someone opened up an account in my name and I didnt know. I never gave consent, when I pulled my credit report thats when I saw it
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39503	Web	Servicemember
I made several attempts to resolve issues with company. I had several deaths in family during the time of accused late payments.
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39503	Web	Servicemember
I made several attempts to resolve issues with company. I had several deaths in family during the time of accused late payments.
10/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32073	Web
Without acknowledging the request for validation, this account was applied to all 3 consumer reporting agencies on XX/XX/2023.
03/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	CA 92688	Web
Aspire credit card charge me full payment when I dod not authorized. When O called they said it will take 3 weeks to process.
06/06/2016	Yes	Payday loan	Charged fees or interest I didn't expect	NY 10598	Web
A loan for XXXX was given to me..they never sent me a rate notification and now I find out its over 100 % intrest please help
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60624	Web
FORTIVA is reporting inaccurate showing missed payments on XXXX of 2022. That's inaccurate this account has never been late.
05/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	WI 53090	Web
A Credit card was Opened In my Name with which Was Fraud I did Not Authorize The company to do so Which means This Was FRAUD
12/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
Company was sent affidavit and didn't respond line by line to the questions. They had thirty days to answer the affidavit.
12/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
Company was sent affidavit and didn't respond line by line to the questions. They had thirty days to answer the affidavit.
01/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	LA 70461	Web
This fraudulent account was opened in my name I have been dealing with this issue for months I have filed several reports
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77520	Web
XXXX/FORTIVA is reporting negative information to XXXX and XXXX when XXXX account XXXX closed without a past due amount.
10/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33781	Web
My husband is an authorized user on my account has his own card with his name and they will not report to credit bureaus
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78245	Web
They are reporting on my credit report daily because XXXX getting notifications of it. Being done by the same company.
12/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 11355	Web
This is an account I never applied for and I don't have a monthly statement Account name XXXX XXXX Account number XXXX
10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38701	Web
i want these hard inquires removed because i did not authorize these compainies to run my credit, that is fraudulent.
11/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MN XXXXX	Web
XXXX from Fortiva made a collections phone call when I was 6 days past due on one payment from this phone number XXXX
09/22/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30038	Web
This account was paid as agreed, the company agreed to remove when balance was paid, the account is still on credit.
09/22/2018	No	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	GA 30038	Web
This account was paid as agreed, the company agreed to remove when balance was paid, the account is still on credit.
09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28273	Web	Servicemember
Accounts were paid off and still shows a balance. Also closed accounts that were paid are still showing delinquent
03/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CO 80012	Web
XXXX Opened XXXX XXXX Balance limit is {$3000.00}. Balance at {$3100.00} Contacted XXXX about fraudulent account.
12/18/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 136XX	Web
I was in the hospital when a friend of my stole my Fortiva Credit Card and used it without me knowing about it!
01/26/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10305	Web
I did not make a hard inquiry with this company. This was fraud. I never authorized inquiry on XX/XX/2017 2017
06/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IN 467XX	Web	Servicemember
Simply put they are falsifying my statements. They have altered it completely since I made my last complaint.
03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30038	Web
I recently checked my account and saw that there were inquiries that were not validated nor authorized by Me.
06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91601	Web
I am a Victim of identify theft, I did not authorize anyone to apply for ( XXXX/FORTIVA LINE OF CREDIT ).
01/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 90028	Web
Fortiva has opened a credit card under a fake name and has been paying off the debt from my bank account/
08/20/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IL 601XX	Web
Repeated phone calls from fortiva financial before XXXX and after XXXX. Atleast XXXX phone calls per day.
04/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MS 39759	Web
My identity was stolen and multiple credit cards was opened in my name using my social security number
02/09/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	OH 45424	Web
I'VE BEEN A VICTIM OF IDENTITY THEFT. NONE OF THESE ACCOUNTS BELONG TO ME AND THIS IS RUNING MY LIFE.
12/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 34476	Web	Older American, Servicemember
An unauthorized charge for XXXX XXXX XXXX was add to my monthly bill without my knowledge or request.
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45424	Web
I'VE BEEN A VICTIM OF IDENTITY THEFT. NONE OF THESE INQUIRIES BELONG TO ME AND ITS RUINING MY LIFE.
11/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53223	Web
I was robbed for my drivers license, credit cards, debit card, and cell phone on XX/XX/2023 XXXX
04/09/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MI 48239	Web	Older American, Servicemember
Repeated calls from aspire claimed XXXX due back from 2013 the company went out of business
04/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30068	Web
Fraudulently opened by ex employee. Never had my consent or authorization. This is fraud.
05/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IN 46360	Web
Someone had opened a credit card in my name without my knowledge the card is from fortiva
03/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CO 80012	Web
Fortiva XXXX Opened XX/XX/2022 Credit limit {$500.00} Charged {$510.00} Contacted Fortiva
02/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 347XX	Web
XXXXFORTIVA is reporting a late fee on my credit report for XX/XX/2017 this is inaccurate
07/11/2019	No	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	NY 10598	Web
There is a loan on my account XXXX - Fortiva number XXXX - I did not apply for this load
08/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NJ 08012	Web	Servicemember
XX/XX/XXXX I applied for an extension of credit with the company Aspire and was denied.
01/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30260	Web	Servicemember
This debt is a result of identity theft. Documents were sent to the original creditor.
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77493	Web
i contact all 3 credit companies they will not send me the information I'm requesting
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 95148	Web
I paid my bills all the time and my score will not go up, Im trying to buy a new car
02/17/2022	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	OH 439XX	Web
Fortiva retail credit card keeps reversing my payments to charge me more interest.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19136	Web
This is not my debt. I've tried to resolve this with the company without success.
09/06/2023	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	ID 83642	Web
I keep getting spam emails from this sender. XXXX It is for Aspire Credit Cards
04/10/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CA 932XX	Web
A credit card for the company of Fortiva was opened by someone who was not me
01/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	SC 29501	Web
XX/XX/2021 {$30.00} XX/XX/2021 {$480.00} I did not make these transactions
07/12/2015	Yes	Credit card	Billing disputes	TN 38109	Web
I was paying the bill but I lost my job and they add fees to the account
12/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32209	Web	Servicemember
My account was frozen for collection. I also have a wage garnishment.
09/01/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	OH 45424	Web
I am a victim of identity theft this account was opened fraudulently
07/06/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	PA 179XX	Web
sending me letters saying i owe but account closed on credit report
10/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30052	Web
I am send this letterto fortiva to stop receive collections emails
03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63121	Web
Payments where never late but now showing late more than 30 days
02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SD 57702	Web
There are several cards on my report that I have never received
10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85014	Web	Servicemember
Didn't mean to apply for report. Hit the button on accident.
03/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CO 80012	Web
Had my identity stolen to open ( 8 ) fraudulent credit cards
07/06/2015	No	Debt collection Credit card	Communication tactics Called after sent written cease of comm	IL 60445	Web
IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST )
09/06/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19145	Web
XXXXFORTIVA ACCOUNT STATUS IS INCORRECT PLEASE DELETE
11/13/2023	Yes	Credit card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	AR 723XX	Web
I made my payment but saying the never received it
10/03/2023	Yes	Debt collection Credit card debt	Electronic communications You told them to stop contacting you, but they keep trying	OH 44105	Web
I have no knowledge of this account
03/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 483XX	Web
Account was opened fraudulently
07/11/2015	Yes	Prepaid card General purpose card	Fees	TN 38109	Web
They add fees to this account
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36265	Web
Reported without my consent
02/10/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	TN XXXXX	Web

02/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30213	Web

02/08/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	MI 482XX	Web

02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30008	Web

02/07/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 10462	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 800XX	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76542	Web	Servicemember

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76542	Web	Servicemember

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30008	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08016	Web

01/31/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Charged too much interest	MN 55331	Web

01/31/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	CA 92508	Web

01/30/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OH 45211	Phone

01/29/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	MI 48089	Phone	Older American

01/29/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 77355	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37075	Web

01/25/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	NC 27320	Web

01/24/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	WA 98387	Web

01/24/2024	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	GA 31322	Web	Servicemember

01/24/2024	Yes	Credit card Store credit card	Closing your account Company closed your account	CA 92234	Web

01/22/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MN 55422	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74014	Web	Servicemember

01/20/2024	Yes	Credit card Store credit card	Problem when making payments Problem during payment process	FL 33615	Web	Older American

01/20/2024	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	NY 146XX	Web	Servicemember

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60649	Web

01/18/2024	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	CA 92673	Web

01/18/2024	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Filed for bankruptcy	MA 02766	Web	Older American, Servicemember

01/18/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	GA 30349	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90047	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	HI 96786	Web

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web

01/12/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93612	Web	Older American

01/12/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30114	Web

01/12/2024	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	OR 97080	Web

01/10/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	NY 11234	Phone

01/10/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	NY 11234	Phone

01/08/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NV 89117	Web

01/07/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 27435	Web

01/05/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Charged too much interest	NY 13073	Web	Servicemember

01/05/2024	Yes	Credit card Store credit card	Problem when making payments Problem during payment process	OK 73505	Web

01/04/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 14850	Web

01/04/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	CA 92131	Web	Servicemember

01/02/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	NY 11953	Web

01/01/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OH 45723	Web

12/30/2023	Yes	Credit card Store credit card	Incorrect information on your report Old information reappears or never goes away	NC 28312	Web

12/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Charged fees or interest you didn't expect	MD 21222	Phone	Older American

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60443	Web	Older American, Servicemember

12/26/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	GA 30064	Web

12/22/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33324	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43228	Web

12/21/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92552	Web

12/14/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 08827	Web

12/14/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	OH 44135	Phone

12/13/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	NH 03771	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39401	Web

12/07/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33186	Web	Older American, Servicemember

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33142	Web

12/04/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 75189	Web

12/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90660	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27713	Web

11/29/2023	Yes	Credit card Store credit card	Other features, terms, or problems Other problem	NC 28546	Web	Servicemember

11/28/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 30281	Web

11/28/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	PA 19342	Phone	Older American

11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33328	Web

11/26/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	FL 32780	Web

11/22/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30078	Web

11/21/2023	Yes	Credit card Store credit card	Fees or interest Problem with fees	GA 30180	Web

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46227	Web

11/18/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	SC 29906	Web

11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 71220	Web	Servicemember

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84040	Web

11/17/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OR 97292	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	AZ 85006	Web

11/13/2023	Yes	Credit card Store credit card	Closing your account Can't close your account	CA 93552	Web

11/09/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94901	Web	Older American

11/09/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	SC 29906	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77388	Web

11/06/2023	Yes	Credit card General-purpose credit card or charge card	Problem with fraud alerts or security freezes	PA 19438	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34667	Web	Servicemember

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32444	Web

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19129	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19805	Web

10/26/2023	Yes	Credit card Store credit card	Problem when making payments Problem during payment process	CT 06051	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32810	Web

10/25/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	CA 92584	Web	Servicemember

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48116	Web

10/23/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 90746	Phone

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75376	Web

10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60827	Web

10/20/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NY 11225	Web

10/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11581	Web

10/19/2023	Yes	Credit card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 19050	Web

10/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19132	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32810	Web

10/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19132	Web

10/16/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 75078	Web

10/16/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	RI 02809	Web

10/13/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 77224	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85006	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60419	Web

10/07/2023	Yes	Credit card Store credit card	Fees or interest Charged too much interest	NY 12524	Web

10/06/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	TX 77581	Web

10/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33139	Web	Servicemember

10/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46226	Web	Servicemember

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37040	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28025	Web

10/02/2023	Yes	Debt or credit management Debt settlement	Charged upfront or unexpected fees	PA 19067	Postal mail	Older American, Servicemember

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19129	Web

09/28/2023	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	AZ 85260	Phone

09/27/2023	Yes	Credit card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 19154	Web

09/27/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	CA 90023	Phone

09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NC 27295	Web	Servicemember

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85387	Web

09/22/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NY 10075	Web	Older American

09/21/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11230	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23464	Web

09/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75033	Web

09/19/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	DC 20003	Phone	Older American

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72117	Web

09/13/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	FL 33150	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48212	Web

09/11/2023	Yes	Credit card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	DE 19709	Web

09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53218	Web

09/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 28120	Web	Servicemember

09/08/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	AL 36854	Web

09/08/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	AZ 85339	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70068	Web

09/06/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OH 44117	Phone

09/05/2023	No	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48820	Web

09/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60426	Web	Servicemember

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11741	Web

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76904	Web

08/29/2023	Yes	Credit card Store credit card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19150	Web	Servicemember

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30519	Web

08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40601	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23831	Web	Servicemember

08/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63385	Web

08/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33437	Web

08/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OK 74426	Web

08/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 75078	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46226	Web	Servicemember

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30087	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77479	Web

08/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	VA 23831	Web

08/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 27617	Web

08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75232	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31605	Web

08/18/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NJ 070XX	Web	Older American

08/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NV 89015	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11230	Web

08/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 76001	Web

08/17/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	MI 49286	Web

08/16/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 14214	Web

08/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48092	Web

08/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IN 46203	Web

08/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30114	Web

08/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48092	Web

08/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	MS 39401	Phone	Older American

08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36782	Web

08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36782	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46118	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46118	Web

08/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NJ 07071	Web Referral

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 45429	Phone

08/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44060	Phone

07/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MO 63637	Phone

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98052	Web	Servicemember

07/25/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48203	Web

07/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11732	Web

07/24/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30625	Web

07/24/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30625	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28356	Web	Servicemember

07/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NV 89121	Web

07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90028	Web

07/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	NV 89015	Web

07/21/2023	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	TX 78040	Web

07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78240	Web

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11215	Web

07/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	MO 63376	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36782	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36782	Web

07/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MA 01824	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92392	Web

07/13/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TN 38125	Web

07/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 91730	Web

07/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 93021	Web

07/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30519	Phone

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23234	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19135	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48340	Web

06/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 31004	Web	Older American

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33162	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30047	Web

06/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	DC 20001	Web

06/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MN 55444	Web

06/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76063	Web

06/23/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27295	Web	Servicemember

06/23/2023	Yes	Credit card or prepaid card Store credit card	Improper use of your report Credit inquiries on your report that you don't recognize	MI 49504	Phone

06/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NJ 08840	Phone

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36206	Web	Servicemember

06/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08902	Web

06/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 60104	Web

06/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70706	Web

06/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70706	Web

06/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21716	Phone

06/09/2023	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	TX 78040	Web

06/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MI 48146	Web	Servicemember

06/09/2023	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AL 35228	Phone

06/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92040	Phone	Servicemember

06/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 34742	Web

06/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33598	Phone	Older American, Servicemember

06/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31779	Web

06/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 92552	Web

06/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	NJ 07010	Web

06/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	CA 92552	Web

05/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 10458	Web

05/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	CA 92672	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70706	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70706	Web

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32961	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32825	Web

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21223	Web

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30132	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30303	Web

05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11436	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60153	Web

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95828	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	FL 34957	Web	Servicemember

05/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	FL 33598	Phone	Older American, Servicemember

05/08/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32570	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28613	Phone	Older American

05/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	GA 30082	Phone

05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76106	Web

05/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	AL 35211	Postal mail	Older American

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MO 63367	Web

04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78240	Web

04/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33598	Phone	Older American, Servicemember

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36867	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36867	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36867	Web

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23223	Web

04/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60202	Web

04/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11412	Web

04/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IA 52240	Phone

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33073	Web

04/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WI 54455	Phone

04/24/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TN 37115	Web

04/23/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	MS 38930	Web

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 24266	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web

04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63114	Web

04/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	GA 31406	Web

04/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94561	Phone

04/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21716	Referral

04/10/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	LA 70461	Web

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34759	Web

04/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31216	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19046	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60202	Web

04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75231	Web

04/02/2023	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	MA 02301	Web

04/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 10456	Web	Older American

03/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31216	Web

03/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NV 89120	Web

03/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	LA 70460	Postal mail

03/29/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 70460	Postal mail

03/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NV 89120	Web

03/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	VA 23231	Phone	Older American, Servicemember

03/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	WI 54701	Web

03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 28054	Web

03/27/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77386	Web	Servicemember

03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32218	Web

03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70006	Phone

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74354	Web	Servicemember

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74354	Web	Servicemember

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31322	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27703	Web

03/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 483XX	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90710	Web

03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21214	Web

03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34952	Web	Servicemember

03/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77396	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94520	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30058	Web

03/14/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 302XX	Web

03/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MA 02121	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43701	Web

03/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 93101	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14228	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 700XX	Web

03/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	NV 89141	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63114	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77406	Web	Servicemember

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14228	Web

03/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	PA 17554	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60624	Web

03/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	TX 78382	Web

03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43026	Web

02/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 92427	Phone

02/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 17527	Web

02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33313	Web

02/15/2023	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 19121	Postal mail

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32818	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11230	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11230	Web

02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 24210	Web

02/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 14615	Postal mail

02/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30205	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85326	Web	Servicemember

02/08/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	PA 19124	Web	Servicemember

02/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 11743	Referral

02/06/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	LA 70461	Web

02/06/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TX 77047	Web

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85029	Web

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85029	Web

02/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 10463	Phone

02/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

01/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CA 90015	Web

01/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NC 27591	Phone

01/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19026	Phone	Servicemember

01/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NY 11703	Web

01/20/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 36201	Web

01/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10463	Web

01/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	OR 97333	Referral

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97333	Referral

01/18/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30328	Web

01/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 85138	Web

01/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19132	Web

01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36201	Web

01/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Old information reappears or never goes away	NY 14621	Web

01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28311	Web	Servicemember

01/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	LA 70805	Web

01/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10038	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37410	Web

01/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	GA 30453	Web

01/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 27529	Web

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 49503	Web

12/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	VA 24210	Web

12/26/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30052	Web

12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78610	Web

12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30315	Web

12/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 15025	Web

12/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 10032	Phone	Older American

12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79015	Web	Older American

12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 52601	Web

12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33024	Web

12/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22191	Web

12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94306	Web

12/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	PA 19150	Phone	Older American

12/14/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28311	Web	Servicemember

12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70068	Web

12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70068	Web

12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70068	Web

12/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 95746	Phone

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77044	Web

12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73505	Web

12/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98512	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 530XX	Web	Servicemember

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78363	Web

12/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 91205	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70068	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70068	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70068	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70068	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23602	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55445	Web

12/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AL 36869	Web

12/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NJ 07002	Web

11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27610	Web

11/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27610	Web

11/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19007	Web

11/29/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28311	Web	Servicemember

11/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60045	Web

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01420	Web

11/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60655	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91752	Web	Servicemember

11/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PA 18810	Phone

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77373	Web

11/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90305	Web

11/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	CA 95648	Phone

11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92551	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19132	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19132	Web

11/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22306	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95206	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11230	Web

11/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	TN 38571	Web

11/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TN 38114	Web

11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34744	Web	Servicemember

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78610	Web

11/11/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30067	Web

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19107	Web

11/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MS 38614	Web

11/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	FL 32738	Web

11/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30318	Web

11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29072	Web

11/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33024	Web

11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85296	Web

11/02/2022	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	CT 06051	Phone

11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19006	Web

10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76209	Web

10/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 10032	Postal mail	Older American

10/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90807	Web

10/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	TN 37347	Web

10/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NJ 08037	Phone

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78610	Web

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 65656	Web

10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75115	Web

10/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MT 59715	Web

10/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30052	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35401	Web

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35401	Web

10/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	NJ 07104	Web

10/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CO 80526	Web

10/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	VA 23430	Phone	Older American

10/12/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70769	Web

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28105	Web

10/11/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	NH 03276	Postal mail

10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72117	Web

10/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	LA 70706	Web

10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70068	Web

10/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 90020	Phone

10/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	LA 70706	Web

10/05/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MI 48235	Web

10/04/2022	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	IL 60610	Web

09/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30340	Phone	Older American

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21215	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21215	Web

09/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11357	Postal mail

09/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TN 38114	Web

09/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48224	Web

09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48066	Web

09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19132	Web

09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34744	Web	Servicemember

09/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	NY 14215	Web

09/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 14215	Web

09/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 45429	Phone	Older American

09/16/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	RI 02860	Web

09/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	PA 15207	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72336	Postal mail

09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33437	Web

09/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NY 13601	Web

09/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NY 13601	Web

09/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NY 13601	Web

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77049	Web

09/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92193	Web	Servicemember

09/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92193	Web	Servicemember

09/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	TX XXXXX	Web

09/08/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	TX 78641	Web

09/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	TN 37742	Phone	Older American

09/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OR 97601	Web	Servicemember

09/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Unexpected increase in interest rate	VA 23803	Web

09/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	GA 30228	Web

09/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	LA 70805	Web

09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48235	Web

09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85296	Web

09/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NY 10460	Web	Servicemember

09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10704	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 42748	Web

08/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	PA 19610	Web

08/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TN 38114	Web

08/26/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IN 46234	Web

08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33411	Web

08/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 95425	Phone

08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Phone

08/17/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OH 435XX	Web

08/14/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08640	Web	Servicemember

08/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	IL 60162	Referral

08/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 64843	Web

08/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 28602	Phone

08/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90746	Phone

08/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TN 38114	Phone

08/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	NY 10025	Phone

08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web

07/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	WA 98390	Web

07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92020	Web

07/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17057	Web

07/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	KY 40342	Phone	Older American

07/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 90660	Phone	Servicemember

07/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 76401	Phone

07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36576	Web	Servicemember

07/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CT 06706	Web

07/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 11432	Phone

07/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	OR 97603	Web

07/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	PA 19152	Phone	Older American

07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63109	Web

07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11206	Referral

07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48228	Web

07/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	NJ 08609	Phone

07/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77084	Web

07/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22980	Phone	Older American

06/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	CT 06320	Phone

06/25/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38134	Web

06/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	CA 92014	Web

06/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90746	Phone

06/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	ID 83201	Web

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21222	Phone	Older American

06/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32725	Web	Servicemember

06/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	OH 43220	Web

06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35243	Web

06/06/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	WA 98033	Web

06/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NV 89148	Web

06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11207	Web

06/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	IA 51401	Web

06/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Personal information incorrect	SC 29072	Web

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 14120	Web

05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78148	Web

05/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33467	Phone

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10033	Web

05/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 15955	Web	Older American

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85043	Web

05/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	PA 15211	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91387	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11207	Web

05/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 90043	Phone	Older American, Servicemember

05/16/2022	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	IN 46224	Web

05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46807	Web

05/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 94931	Phone	Older American

05/10/2022	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	TX 76504	Phone

05/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	FL 34787	Phone	Servicemember

05/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 14514	Phone

05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08029	Web

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33324	Web

05/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32773	Phone

05/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 28401	Web

05/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30132	Web

05/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 92618	Web	Servicemember

04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11367	Web

04/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	GA 31210	Web	Older American

04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78059	Web

04/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73064	Web

04/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 34471	Phone	Older American, Servicemember

04/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IL 60430	Phone

04/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	OK 74801	Web

04/21/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21061	Web

04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 43910	Web

04/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 94543	Phone

04/18/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33837	Phone

04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36575	Phone	Servicemember

04/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 27330	Web

04/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 62995	Postal mail

04/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 27330	Web

04/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OK 73064	Web

04/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 32303	Web

04/06/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20785	Web

04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80924	Web

04/02/2022	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	OH 45832	Web	Servicemember

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07202	Web

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30058	Phone	Servicemember

03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76016	Web

03/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	SC 29617	Web

03/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Credit card company won't increase or decrease your credit limit	NJ 07202	Web

03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07050	Web

03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33130	Web

03/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 78228	Web

03/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	OK 73135	Web

03/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OK 73064	Web

03/19/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	MA 01844	Web

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48066	Web

03/15/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 15206	Phone	Older American

03/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07003	Web

03/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07003	Web

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90221	Web

03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46011	Web

03/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA 95204	Phone	Older American, Servicemember

03/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92562	Web

03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73078	Web

03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23831	Web

02/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02072	Web

02/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 28226	Web

02/20/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 77030	Web

02/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92407	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11374	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46516	Web

02/16/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	CA 92193	Web	Servicemember

02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33172	Web

02/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11234	Referral

02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33037	Web

02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19151	Web

02/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WI 53218	Web

02/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MO 63121	Web

02/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	OH 45237	Web

02/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	AL 36608	Web

02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38111	Web

01/31/2022	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Problem with customer service	TX 77030	Web

01/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NC 28314	Web

01/23/2022	No	Credit card or prepaid card Store credit card	Incorrect information on your report Information is missing that should be on the report	SC 29730	Web

01/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92193	Web	Servicemember

01/21/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75104	Phone

01/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	VA 23666	Phone

01/18/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	LA 70726	Web

01/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL 34604	Web

01/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	NM 87701	Web	Servicemember

01/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30265	Web	Servicemember

01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19032	Web

01/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77583	Web

01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

01/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	HI 96740	Phone

01/10/2022	Yes	Credit card or prepaid card Store credit card	Closing your account Can't close your account	OH 43228	Web

01/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 73062	Phone	Older American

01/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AL 36801	Phone

01/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 44102	Phone	Older American

12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 77040	Web

12/28/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MI 48108	Phone

12/23/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 19128	Web

12/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NV 89032	Web

12/11/2021	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29420	Web

12/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 27889	Web	Servicemember

12/08/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07087	Web

12/05/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 49442	Web

12/01/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	MA 01832	Web

11/27/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 45224	Web

11/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11229	Web

11/24/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	AL 36608	Web

11/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10466	Web

11/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10466	Web

11/17/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 90016	Web

11/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 18066	Phone	Older American

11/10/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76040	Web	Servicemember

11/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	IL 60443	Web

11/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76036	Web

11/01/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	AR 72002	Phone

10/27/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NY 11572	Web

10/26/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85353	Web

10/24/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	RI 02860	Web

10/22/2021	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32141	Phone

10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95404	Web

10/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

10/11/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NJ 07463	Web

10/07/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75150	Web

09/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22406	Web

09/29/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IN 46229	Referral

09/20/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 21229	Web

09/14/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55305	Web

09/13/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 91303	Web

09/08/2021	No	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	GA 30331	Web

09/03/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TN 37918	Web

08/26/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19348	Web

08/24/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	KY 41042	Web

08/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 38671	Web

08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46229	Web	Older American

08/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	IL 60409	Phone	Older American

08/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	WA 98136	Referral

08/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 99156	Referral

08/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA XXXXX	Web	Older American

08/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33166	Web

08/10/2021	No	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	GA 30071	Web

08/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45040	Web

08/09/2021	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CT 06614	Web

08/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	UT 84123	Web

07/30/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

07/30/2021	No	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	FL 33435	Phone

07/27/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CT 06901	Web

07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55421	Web

07/22/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CA 92804	Phone

07/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

07/19/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08859	Web

07/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	KY 41042	Web

07/08/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CO 80237	Web

07/07/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33570	Web	Servicemember

07/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account		Phone	Older American

06/26/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MA 01844	Web

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

06/23/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web

06/22/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	CA 91941	Phone

06/22/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11798	Web

06/11/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	CT 06704	Web

06/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	VA 24501	Phone

06/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 11207	Web

06/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud		Phone

06/01/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23608	Web

06/01/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23608	Web

05/30/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33168	Web

05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48503	Web

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

05/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	SC 29707	Phone

05/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Credit monitoring or identity theft protection services Billing dispute for services	CA 90002	Web

05/05/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 28213	Web

05/05/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30318	Web

05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44236	Web

05/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

04/27/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85258	Web

04/26/2021	Yes	Credit card or prepaid card Store credit card	Getting a credit card Sent card you never applied for	LA 70461	Postal mail	Older American, Servicemember

04/24/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	IL 60614	Web

04/23/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	IL 60660	Phone

04/23/2021	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11236	Phone

04/14/2021	No	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	LA 70769	Web

04/14/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92405	Web

04/10/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11236	Web

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11225	Web

04/05/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	SC 29707	Phone

03/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MI 48322	Web

03/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	AZ 85014	Phone	Older American

03/17/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23608	Web

03/13/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web

03/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 48080	Postal mail	Older American

03/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89173	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48236	Web

03/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NJ 07203	Phone

02/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 48236	Postal mail	Older American

02/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32221	Web

02/09/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22003	Web

02/08/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98409	Web

02/04/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KY 40509	Phone	Servicemember

02/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account		Phone

01/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32901	Web