ComplaintsforRevvi Credit Card

• Initial Complaint

  07/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Subject: Identity Theft Alert and Account Dispute Date: September 10, 2022 Account Amount: $0 Dear Better Business Bureau, I am writing to dispute an account listed by MRV Banks/Revvi opened on September 10, 2022, showing a $0 balance. This account was not authorized by me, and I suspect fraudulent activity. Your assistance in investigating and closing this unauthorized account would be greatly appreciated.

  Business response

  07/12/2024

  Please refer to attached letter for response.

  Dear ********* ****:
  
  This letter is in response to the complaint regarding a Revvi Visa credit card account.
  
  Records show that the application for the Revvi Visa account was received via the website on
  September 9, 2022, under your name. The application was approved, and a card mailed to the
  address on file. The Program/Processing Fee was paid via a debit card in your name. The account
  had purchase activity and payments were received via a debit card in your name. Monthly billing
  statements were provided from September 2022 through October 2023. The account balance of
  $243.56 charged off October 31, 2023, due to delinquency and on or about November 10, 2023, was
  sold to ********* ************ ****
  
  If you believe this account was fraudulently opened, documents shown below can be submitted to
  the address above and an investigation can be opened.
  
  • An Identity Theft Report listing the account and
  • A copy of your driver’s license and social security card and
  • Proof of the address from September 2022
  
  If you have any further questions, please contact Resurgent Acquisitions LLC at ###-###-#### for
  assistance.
  
  Sincerely,
  
  
  Revvi

• Initial Complaint

  06/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I wanted to fix my credit I applied for this card I paid payments and was late sometimes due being unemployed and it was only $300 i used it few times but paid probably 5-6 times more and then I paid it of on April with 2 installments payment and it was zero balance I said close it and have been asking to close the account they won’t close it and recently I see a charge I called that company they said it’s a subscription and I didn’t recognized I told them to dispute and that company disputed but Revvi card is charging me late fee for that and saying I have to pay it while they have changed me so many before and collected now they want to charge Me annual fee of $95 and I ask them to close they want me to pay the late fee of the charge I don’t recognize The worst company I ever dealt with Please tell them to close this account Thank you

  Business response

  06/14/2024

  Please refer to attached letter for response

• Initial Complaint

  06/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Applied for credit card, had 2 payment options. I picked installments. I was charge the full price and an expedited fee. Never did I see nor pick an expedited option for the card. As soon as I noticed the error I contacted revvi and my bank asking to stop payment

  Business response

  06/14/2024

  Please refer to attached letter for response

• Initial Complaint

  05/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  it is a fraudulent account

  Business response

  06/07/2024

  Please refer to attached letter for response.

  Dear ******* ******
  
  This letter is in response to the complaint regarding a Revvi Visa credit card account.
  
  Records show that the application for the Revvi Visa account was received via the website on
  February 24, 2024, under your name. The application was approved, and a card mailed to the
  address on file. The Program/Processing Fee was paid via a debit card in your name. The account
  had purchase activity and payments were received via a checking account in your name. Monthly
  billing statements were provided from March 2024 through May 2024.
  
  Previous investigations were conducted into your claim and found that due to no returned mail, and
  payments made in your name the account was valid and you would be responsible for it. A letter of
  responsibility explaining the reasons for liability was sent on May 23, 2024.
  
  If you believe this account was fraudulently opened, documents shown below can be submitted to
  the address above and an investigation can be opened.
  
  • An Identity Theft Report listing the account
  • A copy of your driver’s license and social security card
  • Proof of the address from February 2024
  
  If you have additional questions or concerns, please call Revvi Customer Service at ###-###-####.
  
  
  Sincerely,
  
  
  Total Visa

• Initial Complaint

  05/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ******* communications, I do not have a contract with Revvi Credit Systems, they did not provide me with the original contract as i requested.

  Customer response

  05/30/2024

  The issue I have with Revvi Credit Systems is the same exact problem I am having with my previous complaint for a different company, that is why the wording was the same. Nonetheless - I do not have a contract with them, for they did not provide me the original contract requested. Therefore I demand Revvi Credit Systems removed from my credit report.

  Business response

  06/07/2024

  Please refer to attached letter for response

  Dear ******* *****:
  
  This letter is in response to the complaint regarding a Revvi credit card account.
  
  Our investigation located the application for a Revvi account received via the website August
  26, 2023, under your name. The application was approved, and a card mailed to the address
  listed on the application. The account was used for purchases and payments were received in
  your name. Monthly billing statements were provided from September 2023 through May 2024.
  The account closed on March 4, 2024, due to delinquency. A review of the account shows you
  contacted Customer Service on May 4, 2024, to request the account be reopened. The request
  was denied, and a letter was sent to you with reason for the decline.
  
  Revvi was unable to locate any correspondence from you requesting contract information or
  account verification. A copy of the first and last month’s billing statements have been included
  to validate the debt. The application was submitted via the application website using the electronic
  signature which is valid, and a copy of the signed contract is not available.
  
  Credit bureau disputes have been received and the account was verified as reporting correctly.
  
  In the absence of any evidence of error in our reporting of the account, we are unable to fulfill
  the request to delete the account from the credit bureau reports.
  
  If you have additional questions or concerns, please call Revvi Customer Service at
  ###-###-####.
  
  
  Sincerely,
  
  
  Revvi

• Initial Complaint

  05/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This credit card company issues cards at a $300 starting limit with the option or moreso promise of raising your credit limit with 6 mo's of on time payments. I've had the card for 2 years now and used it actively. I've made EVERY payment on time without ever missing once and have not seen an increase in my credit limit. I have reached out to customer support several times & been dismissed & given the run around...purposely. Their practices are ambiguous misleading & unprofessional with many other poor reviews from cardholders online to validate what I am saying. Being confined to a stagnant $300 limit with a high annual fee for 2 years is crippling & unuseful.I simply want my limit increased to a minimum $500 or have the account closed immediately.

  Business response

  06/05/2024

  Please refer to attached letter for response.

  Dear ******* ****:
  
  This letter is in response to the complaint regarding a Revvi Visa credit card account.
  
  Our investigation located the Revvi Visa account in your name opened in June 2022.
  
  Upon review of your account, Revvi found that each time you requested a credit line increase,
  the account was reviewed and letters were sent to you advising of the reason for decline.
  Further review of the account found that you do not currently meet criteria for increase
  approval.
  
  If you have additional questions or would like to close the account, please call Revvi Customer
  Service at ###-###-####.
  
  
  Sincerely,
  
  
  Revvi

  Business response

  06/13/2024

  As stated in the Cardholder Agreement, your account may be reviewed for a credit limit increase after being opened for at least twelve (12) billing cycles. We reserve the right to decline your request for a credit limit increase in our sole discretion.  Revvi would be unable to override the current process used to evaluate an account for a credit limit increase.  A customer can apply at anytime to have their account reviewed for a credit limit increase.    

  Customer response

  06/20/2024

  This matter did not receive viable responses from the merchant with any "specific" information disputing statements mentioned in my rebuttal. But rather just bland general company talk applicable to someone who's had no dealings with them. They've received hundreds if not thousands of complaints & reviews on other sites for these dismissive tactics.

• Initial Complaint

  05/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a credit card offer via mail, applied, was granted approval for a sum of $200. I read the disclosures and after approval I was prompted to pay the $95 fee, to which I was given 3 options to pay; 1) pay full amount 2) pay in 2 installments 3) pay in 3 installments. I chose the 3 installments and agreed to pay $31.67 with the next payment due in 2 weeks. I put in my card number, got a notification that payment was successfully made, except instead of taking the $31.67 I agreed to, they took the full amount of $95. I immediately emailed the email address that was given for one of the ways of communication for them. I told them what they had done and how I had agreed to 3 payments and if they weren't going to fix it, to just cancel my card, and give me my $95 back, because I don't like being blindsided. I received an email stating to call a 1-800 number. I responded with the explanation of me not being able to call because I am at work and to just forget the card. It shouldn't be this difficult to come to an immediate resolution. I have yet to hear back from them. This is ridiculous and super shady business practices.

  Business response

  05/31/2024

  Please refer to attached letter for response.

• Initial Complaint

  05/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This company is a fraud. I paid my $95 processing fee on 05/01/2024 and still cannot use said credit card. It has been declined for every purchase I have attempted. They have my banking information and NEED TO BE STOPPED!

  Business response

  05/28/2024

  Please refer to attached letter for response.This letter is in response to the complaint regarding a Revvi Visa credit card account. Our investigation located the Revvi Visa account in your name opened in May 2024. Upon review of your account, Revvi found your attempts to use your card failed due to the card had not yet been activated. Activation is required for the card to be usable. Further review shows the account was activated on May 19, 2024, and is now able to be used. If you have additional questions or concerns, please call Revvi Customer Service at

  Customer response

  05/28/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  04/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I never used the card and called to cancel the card due to the high annual fee and monthly fees either in February or March. They said they cancelled it and my balance was zero. Then, I received a late payment warning on my credit report for a Revvi card. So, I called again on April 16, 2024 and was informed that I had to pay the annual fee, monthly charges, and a late fee before I could cancel the card. Again, I have never used the card but they required me to pay $135.73 to cancel it to get it off my credit report. I should not have been required to pay anything since it was supposed to be canceled last month or the month before. Today I received a bill from them for $135.73 again. To resolve this issue, I request the card be canceled immediately and a refund of $135.73 be provided to me since I had never used the card and had already previously cancelled it. Thank you.

  Business response

  05/06/2024

  Please refer to attached letter for response

• Initial Complaint

  04/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Received an email from the company stating that a credit card had been applied for in my name and that they would be charging me $95.00 processing fee, and that a hard inquiry hard been made to my credit report. I have never applied for a credit card with this company and do not want an credit card with this company, but when I spoke with this company they refused to cancel any cards that would be sent out to anyone in my name and any charges that would be incurred on the card, even though I had enough applied for this card.

  Business response

  04/29/2024

  Please refer to attached letter for response

  This letter is in response to the complaint regarding a Revvi **** credit card account. Our investigation located the application for the Revvi **** account received via the website on April 19, 2024, under your name. A review of the account shows on April 19, 2024, you contacted Customer Service and requested to close the application due to the fees associated with the account. While assisting you with the account, agents were unable to verify your phone number and could not assist you further. If you believe this application was submitted fraudulently, please contact the Credit Department at ************** between the hours of 8AM and 5PM Central Time Monday through Friday. Sincerely,

  Customer response

  04/29/2024

   
  Complaint: ********
  
  I am rejecting this response because: I never submitted an application that is why they were unable to verify my information and I am wanting them to delete their hard inquiry off my credit report and to close this account, I received a credit card from them in the mail Saturday (4/27/2024) so they have not closed this account, so I am wanting this account closed and I am wanting proof that it is closed and that everything has been removed from my credit report and that I have no charges associated with this card that I did not request/want and have tried to cancel since I received the first email and that have refused and told me that they don't know how to cancel it and close the account for their own card.
  
  Sincerely,
  
  **** ******

  Business response

  05/02/2024

   Your request to withdraw the application was processed on 4/29/2024 after the card was shipped to you.  Please destroy the card as it is not associated with an open account.  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩