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:05/10/2023

  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.

  May 2022 purchased a Mattress from Mattress firm with the promise of 0%APR. We have good credit. Come to find out after already signed at the store and we actually get documents it is DEFERRED interest. We were guaranteed and promised it was 0%. Made payments on time like clock work and often time double paid. Low and behold we are down to a little over $500.00/ I am thinking it will be paid off in a few months no problem. BAAAM this month has over $500.00 of Deferred interest charges being added. VERY unhappy with VIVE Financial. I would have been better off going with ANY other option. Fool me once, I believed the salesman at Mattress Firm. I will be asking them to help ** as well. Because if that is what they do to get people to use this predatory EXTREMELY high Interest Rate Card, they should be held accountable as well. Lying to people when everything is electronic and not receiving Documents until you "Activate" account which is AFTER the purchase.

  Business Response

  Date: 06/05/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  We have reached out to our cardholder directly to resolve the issue.  

• Initial Complaint

  Date:04/26/2023

  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 understand that i was making payments on a dog but unfortunately i am not about to afford that anymore and am reaching out for help or something from yall. the payments are way too much and i have ****** payed anything off in a year and as i am now homeless and have no card to even make the payment because it got shut off. As well i do not own the dog anymore because ****** stole her and i have looked for her for 8 months now and nothing. i have no home and no pet to anymore so theres no reason for me to continue paying. and ******* told me the payment would only be 100 but its way more than it should and has been what i was told.

  Business Response

  Date: 05/09/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that Vive acknowledges the difficulties our cardholder is having and sincerely wish ****** the best.  Consumers applying for credit agree that by using the card to make a purchase they promise to pay all charges including fees and interest.  If our cardholder has additional questions our representatives can be reached at ************.

• Initial Complaint

  Date:04/18/2023

  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.

  The interest rates on this card is unbelievable! I have been paying this account for a couple of years now to see that my balance is still growing after paying them hundreds of dollars and i have not even used it for the past 2 years. How can they get away with this!!

  Business Response

  Date: 04/28/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that our cardholders purchases were placed on twelve-month deferred interest promotions and not paid in full by the expiration date.  Therefore, deferred interest was assessed on those purchases.  The quickest way to pay off a balance is to make payments in excess of the minimum payment due and to pay on or before the due date.  If our cardholder has additional concerns our representatives can be reached at ************.

• Initial Complaint

  Date:04/17/2023

  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 received a letter from Vive Financial dated 3/10/2023 stating they were closing my account immediately.The stated action was taken due to: Poor credit performance on your account with us. I was put out of work for 2 years due to my company shutting down due to COVID. I was receiving unemployment benefits for some of this period. While receiving the benefits, records will show that I paid the bill on time each month. After the benefits were cut off from my state (********), I had difficulty paying all of my bills. I kept Vive Financial in the loop as to what was going on during this period. I paid something towards the bill each time. Vive Financial collected almost $1000.00 in interest payments. As soon as I was able to regain employment, I immediately resumed paying the monthly bill. I was able to get the bill back on track. Also, Vive Financial offered me an arrangement to match a portion towards the bill. This arrangement was not honored. I was given no warning that my account was going to be closed. It was not due to negligence that I wasn't paying the bill. It was beyond my control. After the unemployment was cut off, I sought out employment. Due to disabilities, I am not able to work just any job. My government contractor's position was perfect for my disabilities. I took employment at Macys, the only place that would hire me at the time. That position had me on my feet for long periods, causing severe auto-immune flare-**** I had to be pulled out of the position by my doctor. Eventually, my office reopened and I was able to resume my regular payments. Again, I kept Vive in the loop the entire time. I also paid what I could.

  Business Response

  Date: 05/09/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that Vive Financial may at any time choose not to renew an account without notice. Our cardholder can refer to Section 23 of the terms and conditions received at the time of application for information regarding cancellation of an account.  If our cardholder has additional questions our representatives can be reached at ************.

  Customer Answer

  Date: 05/09/2023

   
  Complaint: 19948070
  
  I am rejecting this response because:

  I can supply account specific documentation to show they did not honor their presented arrangements. 

  
  Sincerely,
  
  *******************************

  Business Response

  Date: 05/31/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  We will reach out to our cardholder directly to resolve the issue.  

• Initial Complaint

  Date:04/13/2023

  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.

  There was a hard inquiry on my credit and I did not apply for anythin I paid offmy credit card and want this off both my credit company's

  Business Response

  Date: 04/28/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide specific account details, please be advised that consumers authorize Vive Financial to pull a credit bureau report prior to submitting a credit application through one of our merchants.  Our cardholder can contact us at ************ and a customer service representative will be happy to answer any questions.  

• Initial Complaint

  Date:03/15/2023

  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.

  Someone used my information to get a credit card. It is fraud I have reached out to Vive several times and left messages, and no one will return my calls. This is also on my credit report. I have filed with my local ***************** I want this resolved as soon as possible. Vive Financial just ignoring my request to talk to me about the situation. It is a big problem. someone Charged $10,240.00 on this card when they stole my information. This just started reporting to my report in May 2022 for an account that was originally opened in 2017 when I was 18. I never applied for this card and had no knowledge until it started reporting.

  Business Response

  Date: 03/24/2023

  Thank you for contacting Vive Financial on behalf of the consumer. While we are not able to provide account specific information, please be advised that we have no record of the cardholder contacting us regarding fraud. We request that the cardholder submit a copy of the police report filed to the following:  Vive Financial P O Box 708970  *****, ** 84070-7970.  Once received our **************** will begin an investigation.  

• Initial Complaint

  Date:03/12/2023

  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 was in an abusive relationship. Under duress and in constant fear for my safety, I signed an agreement at Petland in ********* ** to finance the purchase of a dog with Vive Financial on 2/10/2022 in the amount of $5000 principal with a *****% annual interest rate.On Feb 20 of 2022, I got out of the relationship by fleeing to the emergency room. I filed a police report in the hospital and obtained a protective order shortly thereafter. Before February ended, I attempted returning the dog to Petland. They directed me to their claims department, who told me that it would come down to filing a dispute with ****. I filed a dispute, explaining the situation. There has been no humanity shown to me. I have been told time and time again that I shouldnt have signed the papers, and my fearing for my safety isnt relevant to this massive companys loan. With accumulated interest, I now owe well over $6k. I just want it all to go away. I dont want to keep living with the constant reminders of what I went through. Their collections department has called me numerous times daily for nearly a year now and its psychologically torturous. They wont stop until the debt is gone.

  Business Response

  Date: 03/24/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide specific account information, please be advised that Vive acknowledges the difficult situation our cardholder was going through and sincerely wishes her the best.  Refunds are handled between cardholders and merchants directly and Vive is not involved.  Our cardholder can contact us at ************ to discuss options for the account.

• Initial Complaint

  Date:03/10/2023

  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 Financial send me to collections 1 day after of not paying my bill. This is unacceptable and their grace ****** shouldn't be 1-30days. 1 stupid day! Worst consumer company ever that doesn't understand how to run a company and I don't understand why other companies want to have business with them. Fix this problem and speak to the owner of the company of adjusting their dumb grace ****** that makes no sense.

  Business Response

  Date: 03/24/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide any account specific information, please be advised that late payments are not reported to the credit reporting agencies until a payment has been missed for a full billing cycle.  Therefore, our cardholders credit reporting was not affected.  A late fee adjustment was made on the account which the cardholder will see on the next monthly billing statement.  If our cardholder has additional questions our representatives can be reached at ************.

• Initial Complaint

  Date:02/28/2023

  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.

  This company had me open a credit card under what I believe was under false pretenses. The interest rates are unbelievable. You basically can never pay this off. It should be a crime what they do!

  Business Response

  Date: 03/07/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide any account specific information, please be advised that consumers are required to agree to the terms and conditions of the account prior to submitting an application for credit.  Our cardholder can reach out to our representatives at ************ to set up payment arrangements.

• Initial Complaint

  Date:02/22/2023

  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.

  Someone took a loan out using my information on November 12th 2022 and we notified them on November 15th and 18th that it was fraud. The person was borrowing money to by bowflex equipment and had time to stop the delivery but did not report it to Bowflex until late January. The account was closed but they continue to come after me for the funds and not resolve it with the company. Called Bowflex (at the time we did not know it was Bowflex) and told them same thing that it was not mine but no one will return a call from the fraud department. VIVE continues to call mutliple times a day and harrass me for something they will never get a ***** out of me for.

  Business Response

  Date: 03/07/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide any account specific information, please be advised that **** is currently waiting on requested documentation from our cardholder.  Once the documentation is received, we can move forward with our fraud investigation. If our cardholder has additional questions our Fraud Analyst can be reached at ************.