Complaints

This profile includes complaints for Vive Financial, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Vive Financial, LLC

  256 W Data Dr Draper, UT 84020-2315

  
• 

  Vive Financial, LLC

  PO Box 268808 Oklahoma City, OK 73126-8808

• 

  Vive Financial, LLC

  PO Box 708670 Sandy, UT 84070-8639

  
• 

  Vive Financial, LLC

  380 W Data Dr Suite 200, Draper UT Draper, UT 84020-2308

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Vive intentionally tried to trick and mislead me and I am considering consulting with an attorney but wanted to try this first. The company intentionally did not send my a bill prior to adding an interest change of $1500 I have a copy of the bill and the return of the post stamp. When I called to complain about this, they told me that because it only been a few few days. They would be happy to waive the interest charge if I paid the remaining balance. I paid that remaining balance and accepted their offer and they have refused to credit my account the balance that they promised me to do for the interest charge. I've reached out multiple times to have them tell me that they have submitted it and that it's pending, but it has been a reasonable amount of time for them to take care of this. They are clearly trying to commit fraud by enticing me to make a payment that they never intended to handle their end of the obligation of the promise of waving the interest charge. It's worth noting that I have these calls recorded as I'm sure they do.

  Business Response

  Date: 04/25/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that we will be waiving your remaining outstanding balance to $0.00 after your payment of $3,773.77 is outside the 14 day pending time frame, which will be on 4/30/2025. On 5/1/2025 you will be able to see your $0.00 on our mobile app or website. If our cardholder has additional questions, our representatives can be reached at ************* 

• Initial Complaint

  Date:04/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Okay, I am not sure if I have much evidence to be reporting this company but based on what I have seen on the statements that were made available to me via my account on their website, which is only Oct. 2024-April 2025, it seems they are not completely transparent about the break down of what they are charging at each monthly statement. I got financed by Vive Financial (which is owned by PROG Holdings, Inc.) for ***** Furniture. I had a zero interest from Sep. 2023-Oct. 2024 and I rarely looked at my statements due to that reason. But today I decided to look at my April statement and noticed they had first charged me a maintenance fee ($9.99) that per the email they sent back in January of this year, was going to start being a monthly charge the2nd year of your account, to this date my account is at 1 year and 6 ish months. And already with that the CSR wanted to argue with me that technically this is my second year of having the account, which mathematically already makes no sense. Based on my statements they want to also argue that my 'previous balance' does not match the balance 'subject to APR amount' (which differs for an average of 70-86 ish dollars). I was on the phone for almost two hours trying to understand how those numbers are different, the girl then said it is how they calculate the average 'daily balance method' which adds to my 'previous balance' and then gets calculated by the 35.99% APR for the month and then I get my interest calculated from that amount. But me trying their method I got different/varied amounts then she went to do a calculation, leaving me on hold again, for one of my statements and said that they actually had charge me less. Which is even more crazy because the number she gave me was not what I calculated on my own. Every time I brought up a question about how their charges appear to be hidden, she would leave me on hold and then comeback to me saying that the 'daily balance method' is how they calculate it. I got transferred bu

  Business Response

  Date: 04/11/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that the monthly maintenance fee was added at the start of the second year of your account so long as your account has an unpaid balance. In addition, the balance subject to interest rate that you see on your statement reflects the daily average balance from the previous billing cycle. If the cardholder has any additional questions, our representatives can be reached at 877-486-3442.

  Customer Answer

  Date: 04/14/2025

  
  Complaint: ********
  
  I am rejecting this response because "the start of your second year" a year is 12 months so the start of a second year is after 24 months. I do not know who in your company lacks basic elementary knowledge of math and calendar days, but I expect competence when it comes to matters that deal with money. Secondly, I got charged this month, April, which is month number 4 so you just decided to tack that on to my bill. Maybe hoping I would not realize or not care to contact your horrible customer service. I was put on hold to speak to a supervisor and after 10 minutes the call just hung up, and I still have not heard from anyone, so spare me the idiotic excuses and bring actual resolutions because I will not be back down. 
  
  Sincerely,
  
  Jackeline Chaparro

  Business Response

  Date: 04/16/2025

  Thank you for contacting Vive Financial on behalf of the consumer. We attempted to contact the cardholder on 4/16/25 but we were unable to get in contact with them. While we are unable to provide account specific information, please be advised that the start of the second year would be month 13 that the account is open with an unpaid balance, and month 24 would be the end of the second year. If our cardholder has any additional questions, our representatives can be reached at 877-486-3442. 

• Initial Complaint

  Date:04/03/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I overpaid on my account. I was supposed to get a refund, while it only took a few minutes to get money out of my account it has been over four weeks and still no refund. The weekly calls have been I have been told it takes a week to get a refund.

  Business Response

  Date: 04/08/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that we have contacted the cardholder regarding the situation and discussed that the refund check was mailed to the address on the account on 3/22/2025. If the cardholder has any additional questions, our representatives can be reached at 877-486-3442.

  Customer Answer

  Date: 04/08/2025

  
  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. My refund was received by mail on Saturday April 5, 2025.
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:03/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I did purchase something from *******. I am not disputing that. Somehow, the checking account information for automated payments was not updated. I went in and corrected the problem in my account. I then set back up the automated 29$ monthly payment. Now, all of a sudden, I am realizing you are charging me forty dollars late fees every month, one on top of the other. I now owe over two hundred dollars and the automated payment is still coming out of my checking account. I am asking you kindly to go back and credit the late fees, as there should only have been one. It is reporting to my credit bureau and it looks like I have been late when I haven't been only that one time. I apologized and said that I was sorry that my new checking account was not added. I updated the checking account and reset the automatic payment up. I am more than happy to pay the forty dollars for the one late payment. Now my account is back up to over the original purchase price

  Business Response

  Date: 04/03/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that after your first missed payment on 12/6/2024, your minimum payment increased and the $29 automatic payment that had been reset up was not covering the full minimum which is the cause of the late fees. As a courtesy we have credited your account balance one $40 late fee, but the cardholder will be responsible to pay the minimum due in order to get the account back to a current status. If you have any additional questions our representatives can be reached at ************.

• Initial Complaint

  Date:03/29/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Vive Financial and their goons have been harassing me multiple times a day via phone calls, which is illegal under the Fair Debt Collection Practices Act (FDCPA. They call from your local area codes trying to be slick. I am requesting that they stop all communication with me immediately.

  Business Response

  Date: 04/03/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that your account has been placed on a Do Not Call and should not be receiving any further phone calls from Vive Financial.If you have any additional questions our representatives can be reached at ************

• Initial Complaint

  Date:03/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I set up automatic payments with Vive, 2 payments a month before my due date of 19th. These payments were set up until *****, understanding that I needed to reschedule after *****. For whatever reason Vive stopped the automatic payments and I went behind without a clue! I feel stupid because I have a lot that automatically comes out and didnt notice. I began getting texts saying I was behind, I thought it was an error, I checked my bank account and I saw the last payments were January? So I explained to Vive, what I just explained above! I was asked if I wanted to make a payment I said yes to ******, I would get back on track, but that was what I could afford. She asked if I want to continue automatic payments at my minimum due, I said yes to ******, twice a month before the due date of 19th! This would be set up 6 months and then Id have to reset, I agreed. I received an email from Experian that my credit decreased, I checked they reported me 30 days late to credit bureau, not fair-this was the company fault, I never stopped paying and I couldnt afford to pay all at once because they messed up!Then yesterday I received a text thanking me for my payment of ******, I never authorized this! I called. They stated that was past due plus *****? ***** is not due until 19th, they stated that when they listened to disclosure I agreed to the minimum amount due, I did to continue automatic payment of ******, twice a month, not ******?They refused to give me a copy of disclosure conversation, and told me too bad!Im currently in hospital just had surgery today and had all of this happen yesterday leaving me with ****** in my account for 2 weeks, I did file dispute with my bank, I will get all but ****** back as Im not disputing that, and Im not disputing that Im past due, but I set up what I could afford and pay until I knew I could afford to pay it off, instead of not paying anything at all!They stole my money without my permission

  Business Response

  Date: 04/03/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that an attempt to reach our cardholder was made but was unsuccessful. The call recordings have been reviewed and due to miscommunication and misunderstanding we will be refunding the payment of $670 that was made on 3/26/2025. However, in refunding this payment it will put our cardholder back into a past due status and they will be responsible to bring the account back to a current status. If the cardholder has any additional questions, our representatives can be reached at ************. 

  Customer Answer

  Date: 04/04/2025

   
  Complaint: 23130129
  
  I am rejecting this response because:  The company only is stating that this is a misunderstanding because I filed this complaint with the BBB, after speaking with two representatives on March 27th, one being a supervisor I was told in so many words "oh well-read the terms, we listened to the recording and we are not refunding your money you agreed to the terms!"

  The company also reached out to me on April 1st, I spoke to a representative and she stated that they were refunding my money and I had told her that the money had already been put back in my account as I had filed a dispute with my bank, that Vive was to only receive $134.00, so the attempts to reach me were successful!

  My account will be past due-I have filed a complaint with credit bureaus as well due to the mistake Vive made on my account I should never have fallen behind-yet they reported me 30 days behind to the credit bureaus.  I have been instructed to pay the agreed payment amounts until the credit bureaus can get this cleared up.
  
  Sincerely,
  
  ******* Kangas 

• Initial Complaint

  Date:03/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Our credit report showed a charge for $6,099 for Vive Financial on Feb. 4th, 2024. This amount was opened and charged at *************** in ********, **. Someone stole my information including my social security information to On this same day, there was an attemp at **********, Khols, and Best Buy. The other three companies all resolved the dispute, Vive financial is the only company that has not resolved this dispute. I never shopped, bought, or opened a credit card with ***** furniture or Vive Financial. If someone looked at security footage, they would see that this was not me! I am a teacher and was at work that day and this was an in-store purchase.We have now filed a police report and it's being investigated.

  Business Response

  Date: 03/24/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information,please be advised that your account is currently being reviewed by our fraud analyst and the cardholder will be receiving correspondence.  If our cardholder has additional questions our representatives can be reached at ************.

• Initial Complaint

  Date:03/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My wife and I fell into the "Mattress Firm" scam the same way several others here have stated. We purchased a new mattress from ******** Firm a little over two weeks ago. Our salesman advised us of a financing option through Vive for 12 months interest free. He had us do the application online on our phone, which simply asked for the standard personal info. We got approved and asked what was next or needed from us. The salesman said nothing, they are able to use to account number Vive provided us via text message to complete the sale. We got our first statement in the mail yesterday and found there were 2 additional charges/fee's on our account we did not make and were not made aware of. There was a random $5 charge, no details, and then a $99 annual fee. Needless to say we were livid as we were not told there would be an annual fee, and have NEVER experienced one that was charged on the FIRST billing statement. We called Vive to explain the situation and request the fee and charge be removed. The representative LAUGHED at my wife on the phone, said they do not remove those annual fees and then said "you also probably werent informed there will be a $10 monthly fee on your account for each month your account has a balance". We could not believe it. When the representative said that all this was in the "terms and condition we signed in store" we explained we never received signed anything in store. Everything was done in store on our phones, we never signed or received anything. We solely financed in order to establish additional credit. Had we known this we would have never financed this purchase through ****. We are once again requesting that the annual fee on our first billing statement, as well as the random $45 charge, be removed.

  Business Response

  Date: 03/24/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that the terms and conditions were available to you to view when applying electronically. As a courtesy we have waived the annual fee of $99 from your balance. The $5 charge on your account was placed on 3/7/2025 by ******** Firm and cannot be removed by Vive Financial. You can reach out to the merchant for explanation as to what items were purchased in regards to the $5 charge.  If you have any additional questions our representatives can be reached at ************.

• Initial Complaint

  Date:03/17/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We paid off our total balance on 2/28 and received an email saying “congrats on paying off your card” to then be charged $40 in interest on 3/7. When we called we were told that the balance shown was not actually our total pay off balance because interest wasn’t added yet for that month and would have to pay the $40. That does not make any sense since we would always be paying interest if that’s how it worked but ok. They then said we are being charged daily for interest this month on the $40 interest charge. We should not have been charged again after paying off the entire balance.

  Business Response

  Date: 03/19/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that a pay off quote was not done, which would have included the interest of $39.12 in your final payment on 2/27/2025. The interest of $39.12 was accrued from the dates 2/4/2025 to 2/27/2025 while you still had a balance on your account. Interest will not accrue on interest, and your account is paid in full at this time.  If our cardholder has additional questions our representatives can be reached at 877-486-3442.

• Initial Complaint

  Date:02/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Pursuant to 15 U.S. Code § 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code § 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

  Business Response

  Date: 02/12/2025

  Thank you for contacting Vive Financial on behalf of the consumer. While we are unable to provide account specific information, please be advised that we are unable to locate an account with your information. Please give our representatives a call at ###-###-#### to see if we can assist in locating an account.