Customer ReviewsforVervent Inc

If I could give negative stars I would. Where to even start first I never received the card in the mail and received notifications a payment was due. I called asked to close out the account because I did not even received the card. Was told it was closed nothing to worry about .Here we are months later still dealing with this joke of a company. I have called at least 5 times to tell them to stop emailing me and sending me mail . Was told over the phone the matter had been escalated not to worry shouldn't receive more notifications. Their reps are differently not based out of the US and nothing keeps getting done I am a very patient persons but this company is a joke.

Every single employee is stupid and incompetent. The cheap elevator music they blast through the phones speakers hurts your ears and plays over and over and over on a loop.The payment system doesn't even post payments for several days causing errors in ur banking and possibly creating problems on your card payment itself.Everything about this card is terrible They sent my card regular mail even though I wanted expedited shipping. It got lost and I had to call over 10 times over a month. I recieved a bill before my card even arrived which I refused to pay.

I applied for a Total **** Card over 30 days ago and I received a bill before I received the card that I paid a $99 processing fee for. I called to find out why did I receive a bill before the actual card. They told me that the card was shipped out oln 4/22 and on 5/20 I have not received this card. I have the **** app on my phone and every morning I get a notification of the mail that I will receive for that day. Since 4/20 to 5/20 I have not received anything from Total **** Card other than the bill for a card I have not received. Then I called the customer service call center and ******* was unrelenting in telling me the only way to expedite a card is for me to pay $35 for a Fed Ex overnight shipment of the card. So you are telling not only did you want me to pay a bill for a card that I did not receive but you want me to pay another $35 for you to expedite this card.To the people that are looking to restart their credit - run from this unscrupulous credit card service. Their workers have no insight into customer service and ******* you need another job.

Scammers my account has been paid and there still calling saying I owe money..STAY A WAY From these guys.....

Got a $95 charge from them. Tried calling their customer service to ask about it, but they don't have a way to talk to a human. When you hit the dispute option, you are given a mailing address. No matter what option you push, there is no way to talk to a human. Not even when you don't choose an option. Thank goodness for my bank. I contacted them to report the fake charges to get my money back.When researching them, apparently they are a bad credit card company. Giving fake amount for "line of credit", telling you that you were approved for one amount, then once you get the card, the annual fee is not payable and stays as a charge on your credit limit. Which means it is a deposit, not a fee, and their "limit" is fraudulently given to you. Their app doesn't work for anything other than showing you charges. Sounds super fake to me!!

My Card expired and Total **** refused to send me my new card. They closed my account without my knowledge. After several phone calls to company i received an email stating my account was going to be reopened, back to back payments was made and still no Card. Everytime I call they tell me that I have to pay before I get my card. Company is bogus

My advice to anyone applying for a **** card DO NOT and I repeat do not apply with this company. I had arranged for a payment to be debited from my account on October 20th however I went back online and cancelled the payment for that and made the payment on the 18th of October. The funds were debited from acct on the 19th and they also debited my account again on the 20th! I called in with the hopes of them just crediting the additional payment back to my checking account. Well that did not happen they advised me that I would have to call back on the following day and request a refund and that it would take 30days before I received my refund. I was very irate with them as contacted them three times and each time I was very irate. They kept apologizing and stating that their system does not credit the funds back to my checking account. I have complained and I said some very unprofessional words. Steer clear of Total **** Bank of Missouri. People, companies and or businesses do not care anything about customer service. Yet if the shoe were on the other foot and I owed them and had not paid them they would call me and turn my account over for collections and possible garnishment. Their interest rates are very high; however, I was looking to re establish credit and now that I have gotten my credit score up to par I do not wish to destroy my credit again. Signed very upset customer!

I closed this account 8 months ago paying the bill in full. 2 weeks later they began calling me for $10. I paid the $10 in full only to find out 8 months later the account is still open reflecting the $10 balance. I continue to call no one speaks clear english and this is the worst card and worst experience with a credit card. Exactly why I closed the account. This business needs review for faulty policies.

My bill was due on May 23rd. My card was over the limit by .12 cents. The minimum payment due was $41.00. In an attempt to correct these issues, I made a mistake and paid $40.12. I was then charged $30.00 for a late payment. I was charged $30.00 because I was .88 cents short of the minimum payment due. This SMALL error caused me to then go over my limit by $5.04. Thinking that the company would understand the issue, I contacted customer service and asked to have the $30.00 fee waived and even made an extra payment of $35.04. I patiently waited a week to see if the refund had been processed and it had not. Upon looking today, almost 2 weeks later, I noticed that I still had not been refunded. I called customer service again and was told that the "back-office" denied my request because my account was not 30 days or more overdue. I was denied a request to refund a $30 fee for an .88 cent error because I tried to rectify the situation in a fast and timely manner! That makes absolutely no sense and is a horrible business practice to have. When told this, I asked for a supervisor to escalate the issue. I was transferred to another person who told me basically I knew the rules when I signed up for the card and there was nothing that could be done. I am absolutely flabbergasted and very upset that because of an .88 cent error, that I lost $30.00 of my hard-earned money. I have other credit cards with other companies such as *********** and Continental Finance and have had fees waived for much larger issues and have never been denied with such a lame excuse. I may have a low credit score, but I am trying very hard to fix that and take financial responsibility. To have $30.00 STOLEN from me is a slap in the face. So, with the arrogant response of the 2nd person I spoke with today, I requested to talk to someone above this person. I was then "mockingly" told that I would have to wait 48 hours for a "supervisor" to call me back.