Business Profile
Loan Servicing
Vervent IncThis business is NOT BBB Accredited.
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Complaints
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Complaint Details
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Initial Complaint
08/25/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
My name is ***** *************************** and I am in the US NAVY. I have been deployed for 2 years and prior to that based in ********* for the last 8 years. Your company first digital bank has allowed someone to open an account under my information at an address that I have not lived at in over 7 years to open and account fraudulently without my knowledge or permission and the representatives are refusing to remove this information from my credit reports. I have filed multiple complaints about this and exhausted myself before my last resort which is contacting an attorney as this is a violation of my rights at this point. The IDENTITY THEFT reports and documentation were all sent to your company first digital and clearly showing I do not even live in the STATE where this account was opened or anything and they have refused to remove it. Even collection agencies have verified that it was fraudulently and your company first digital bank/synovus refuses to comply. I had multiple accounts opened fraudulently and each bank tooo care of it swiftly EXCEPT YOURS who seems determined to cause me financial harm and distress and violate the **** as well as mt rights. I ask one last time before I have to contact an attorney to deal with this situation. Please remove me from your system and remove this account off my credit report. I would kindly appreciate your company doing the right thing instead of ignoring the obvious and continuing to hurt my family financially due to identity theft and fraud.Business response
08/26/2024
We have explained in previous complaints that when the account was opened, we received a copy of a utility bill that verified the address at *********************************; we received a copy of your social security card; and a copy of your drivers license. Multiple payments were received in your name. Additional information is needed to reopen the investigation. If you were a victim of identity theft, a copy of the police report can be provided along with an explanation of how your checking account and debit cards were used for payments.Initial Complaint
07/30/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I attempted to call customer service today to find out the mailing address and fax number to send over impertinent information. The young **** "***' is whom I spoke with today at 10:41 est and would not provide it to me which I found rather odd.Business response
07/31/2024
We have completed our investigation and were unable to locate an account under your name using the information provided in the complaint. Please provide additional information so that we can further investigate.Customer response
07/31/2024
what is the fax number or mailing address for this business?Business response
08/01/2024
Please provide the type of account you have and we can provide this information.Initial Complaint
07/20/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debt with bank card Missouri. I do not have a contract with lvng funding. They did not provide me with the original contract as requestedBusiness response
07/26/2024
We have completed our investigation and were unable to locate a credit card account opened under your name issued by ******** of Missouri. Please provide additional information so that we can investigate further.Initial Complaint
07/16/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
In June 2024, I noticed fraudulent transactions on my ***** **** **** *******************. I called on 6-6-24 and advised the company and asked them to cancel/reissue my card and told them which transactions were unrecognized. The company required me to complete a one-page sheet related to EACH unrecognized charge and then fax/mail it over to them. I completed all of the paperwork and attempted to fax the documents only to find their fax number is no good, so I printed/mailed it. I then got a letter stating that they were investigating the charges and would get back to me. Then, today I received a letter stating that they completed their investigation and found ALL charges to be valid because they were online transactions (e-commerce) - which is a lie. Nearly 90% of them were NOT online transactions (****** **** ******** **** *********** ******** etc.) I requested a new card with a new number be sent to me (a month and a half ago) which has STILL not been received. Additionally, there was one transaction from iPostal on 5-9-2024 for $169.57 which I submit in the same batch of disputes. I do work with this merchant, however, for this charge, I instructed them VERY CLEARLY not to exceed $40 when shipping a package and they disregarded my request entirely and sent the item overnight and charged my card $169.57 and are refusing to refund the difference. As far as a resolution, I paid this card off IN FULL today, the current balance is $0. Once all of the unauthorized/fraudulent items have been credited to my card, I would like a CREDIT BALANCE REFUND CHECK to be mailed to me at my address on **** ***** ***** ** ****** and then this card account SHOULD BE CLOSED. I do not want to work with a company filled with liars and cheats and who wont cover fraudulent charges as they are supposed to do. I do not wish to have a relationship or account with this company any longer, so please refund all of the unauthorized/fraudulent charges via check and CLOSE THE ACCOUNT. I'm done.Business response
07/23/2024
We have completed our investigation, and our response is explained in the letter attached.Initial Complaint
07/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Subject: Complaint of Fraudulent Account Opening Date: February 7, 2022 Account Amount: $0.00 Dear Better Business Bureau,I am filing a complaint against TOTAL ********* for an account opened in my name on February 7, 2022, for $0.00, which I did not authorize. This incident points to identity theft, and I seek your help in resolving and correcting this fraudulent issue.Business response
07/16/2024
We have completed our investigation and were unable to locate a Total **** credit card account opened in your name in February of 2022. Please provide additional information so that we can investigate further.Initial Complaint
05/10/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
**** **** has drawn ( this week) from my account I called them and she said they can't find my account. I told her it was because i don't have one. Not even a card!! They have given me the run around. They have my money and i want it back. I have been to my bank to file fraud. . please shut this scam down!!!Business response
05/17/2024
Total **** has been unable to locate the payment of $299.00. If ****************** can provide additional information about the bank account used, we can investigate further. ****************** can also contact her bank to let them know this was an unauthorized payment and the funds can be returned to her.Initial Complaint
01/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to express my profound concern about the disclosure of my nonpublic information to credit bureaus and the resulting inaccuracies on my credit report, leading to significant financial and emotional distress.As outlined in 15 USC **** Section 602, I assert my right to financial privacy, expecting the confidential treatment of my information.Moreover, 15 USC **** Section 604(a)(2) underscores that a consumer reporting agency cannot furnish account information without my written instructions, which have not been provided.I have identified discrepancies on my credit report originating from TOTAL ************* adversely impacting my financial well-being. I urgently request the rectification of these inaccuracies.Lastly, please be reminded of 15 USC 1666(b), preventing creditors from treating payments on a credit card account as late under specific circumstances.For your reference, my account details are as follows:Account Number: ************ I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns may lead to legal action. I anticipate your prompt response and resolution.Thank you for your immediate attention to this matter.Sincerely,*************************Business response
01/04/2024
This complaint is a duplicate to the complaint #******** filed December 20, 2023. No new additional information has been provided and our response remains the same.Initial Complaint
09/13/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debt with *************** N A I do not have a contract with LVNV FUNDING LLC the collection agency they did not provide me with the original contractBusiness response
10/19/2023
Vervent does not handle the Credit One Bank. Please provide additional information so that we may investigate more.Initial Complaint
06/22/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered an unauthorized item. Despite sending them letters over 30 days ago, they have not responded and failed to provide adequate validation. I kindly request your assistance in resolving this matter, as I am considering legal action.Business response
06/22/2023
Hello,
Additional information is needed to locate the account. Please provided the account number that this complaint is referring to.
Initial Complaint
05/22/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I RECEIVED A NOTIFICATION THAT A HARD INQUIRY WAS PULLED ON MY CREDIT TODAY 05/22/2023, AND WHEN I CALLED TO INQUIRE ABOUT THIS THEY SAID THAT THERE WAS NOTHING THEY COULD DO. I EXPLAINED TO THEM THAT THIS WAS NOT ME AND THEY NEED TO RESCIND THE APPLICATION AS FRAUDULANT AND THEY SAID THAT THEY CAN ONLY SEE WHERE IT IS IN THE PROCESS AND COULD NOT GIVE ANY MORE INFOMRATION EVEN THOUGH IT IS MY CREDIT AND THEY TOLD ME TO WRITE A LETTER BECASUE THEY ARE NOT ACCREDITED... I HAVE NEVER HEARD OF THIS COMPANY BEFORE AND BELIEVE THAT THEIR PROCESSES ARE FRAUDULANT AND CARELESS... THEY DO NOT CARE ABOUT CUSTOMERS AND THE MOST THEY COULD DO IS HAVE ME WRITE A LETTER TO A CREDIT BUREAU HOWEVER THIS IS AN ISSUE WITH THEM NOT TRANSUNION OR EQUIFAX.Business response
05/26/2023
Thank you for bringing your concerns to our attention. This complaint has been forwarded to the proper department for investigation. You will be receiving a separate letter from them. Please allow time for your complaint to be reviewed and letter sent.Customer response
05/26/2023
I will await word from the appropriate department. I wish that this matter not be close out by the BBB until we hear a response from vervent. Thank you.Business response
05/30/2023
The letter has been sent to you via regular mail. If you have any questions regarding this notice, please contact usat Total ************ PO Box *****, ***********, ** 57118-5860 or call ** at ************** during the hours of 8:00am to 5:00pm Central Time Monday through Friday.
Customer response
06/06/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
***********************
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Customer Complaints Summary
412 total complaints in the last 3 years.
94 complaints closed in the last 12 months.
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