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Business Profile

Consumer Finance Companies

Vive Financial, LLC

Headquarters

BBB accredited business seal
BBB Accredited BusinessA Rated by BBB

Complaints

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

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Vive Financial, LLC has 4 locations, listed below.

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    Customer Complaints Summary

    • 199 total complaints in the last 3 years.
    • 79 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/16/2023

      Type:Billing Issues
      Status:
      Answered
      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 went in to Mattress firm to buy mattresses. The sales people rushed me through the process to sign paperwork. I am an elderly woman with a fixed income and feel I have been taken advantage of 36% interest rate for a card that is a supposed credit card but cant use it many places only to buy furniture at a high price. This is predatory lending. This company and mattress firm preys on poor people all over the country. I have paid ****** on interest to date in 2023. I opened this account in 2021 so times that by 3. I called to find out the pay off and they stated it would be 21 dollars more than what the balance reflects on my bill. I spoke to a ****** or ******* after ******* ******* said everyone was in a meeting. ****** and ******* were both very rude speaking over me. I am starting with the better business bureau to resolve this predatory lending practices and pushy sales men. My next step will be to file a complaint with the **** and my local news station. I would like to come to a resolution that does not involve predatory lending practices and interest rate gouging.

      Business Response

      Date: 12/29/2023

      Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that consumers must agree to the terms and conditions for the account prior to submitting an application for credit. The terms and conditions detail the APR, promotional plan offers, etc. Our cardholder received a 12-month deferred interest promotion on the purchase with Mattress Firm, which was not paid in full by the promotion expiration date.  Therefore, the standard APR applies to the account.  If our cardholder has additional questions our representatives can be reached at ************.

    • Initial Complaint

      Date:12/15/2023

      Type:Billing Issues
      Status:
      Answered
      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 am deeply concerned about the sharing of my nonpublic information with credit bureaus and the resulting inaccuracies on my credit report. This situation has caused significant financial and emotional distress.Under 15 USC **** Section 602, I have the right to financial privacy, and I expect my information to remain confidential.Furthermore, 15 USC **** Section 604(a)(2) states that a consumer reporting agency cannot furnish account information without my written instructions, which I have not provided.I have identified inaccuracies on my credit report from VIVE/TBOM, impacting my financial well-being. I request these inaccuracies be corrected promptly.Lastly, please remember 15 USC 1666(b), which prohibits treating payments on a credit card account as late under certain circumstances.For 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 regarding my information.Failure to address these issues may compel further legal action. I anticipate your prompt response and resolution to these concerns.Thank you for your immediate attention to this matter.*********,*******************************

      Business Response

      Date: 12/29/2023

      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 account is being reported accurately to the three credit reporting agencies.  If our cardholder has additional questions our representatives can be reached at ************.Tell us why here...

    • Initial Complaint

      Date:12/14/2023

      Type:Billing Issues
      Status:
      Answered
      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 is charging me late fees even when I pay on the due date. They charged me several unnecessary late fees. I have been sick having Covid 2 times and having health issues stemming from surgery in which this loan was generated. I just had surgery and disabled. it is already hard to maintain these payments then incorporating these additional fees. I did not apply for this loan as a consultant submitted the loan. I have never known about a company that doesnt provide a grace ******* they immediately put a late fee on the due date. if I was informed of this, I would not have had this loan with this organization. I just had surgery and I am totally disabled so I cannot afford all of these fees that are being applied to the account. I didnt want to come here to complain but when I ask the representatives for a manager or supervisor I am given the runaround. Then they are charging me more than the $109 monthly. Account number ********

      Business Response

      Date: 12/15/2023

      Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that consumers must agree to the terms and conditions for the account prior to submitting an application for credit.  The terms and conditions explain late fees, payment cutoff times, etc.  Our cardholder is making payments after the due date and for less than the minimum payment required to avoid the late fee.  If our cardholder has additional questions, our representatives can be reached at ************.

      Customer Answer

      Date: 12/18/2023

       
      Complaint: 21009490

      I am rejecting this response because: Vive charges fees even on the date the payment is due and that isnt right. Then they stated about the terms being in the application/contract, as I explained in my initial complaint, I was not the party who completed the application, the consultant did, nor have I heard of a company that does not have a grace ****** for the payment and applies a late fee on the date due. I paid the past payment on time and you have applied a late fee on the account and I want it removed. You have done this on several occasions and when I contacted you in reference to it, I am not able to obtain any assistance. Also, I came to the BBB for assistance so they had my permission to interact with Vive on my behalf because when I called and asked for a manager I couldnt obtain any assistance. 

      Sincerely,

      ***********************
      ***********************

      Business Response

      Date: 12/29/2023

      Thank you for contacting Vive Financial on behalf of the consumer.  Our cardholder made a payment of $120.00 on 11/25/2023, however, the minimum payment due to keep the account in good standing was $137.00.  Therefore, a late fee was assessed on the account.As a courtesy, our cardholder will see a one-time adjustment on the next billing statement equal to two late fees.  In order to avoid late fees in the future our cardholder should pay the required minimum payment due before 5:00 PM Central Standard Time on the due date.  Autopay can be set up using the website, mobile app, or by contacting a representative at ************.  

    • Initial Complaint

      Date:11/29/2023

      Type:Service or Repair Issues
      Status:
      Answered
      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 in the mail on November 29th stating that I owe $2348.76 dollars to a line of credit that was taken out in my name. I NEVER took out a credit with Vive Financial. This is the first correspondence I have ever received from them. Apparently someone is using this line of credit to pay for the cricket account in different cities in MO. I live in Texas. Its absurd and evident that this business opens lines of credit to fraudulent individuals. I want this account closed and reported as fraudulent and removed from my credit.

      Business Response

      Date: 11/30/2023

      Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that the account has been closed and a fraud investigation has been opened which can take up to 60 days to complete.  A request for documentation will be mailed to our cardholder.  If our cardholder has additional questions or concerns our Fraud Department can be reached at ###-###-####. 

    • Initial Complaint

      Date:11/28/2023

      Type:Billing Issues
      Status:
      Answered
      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 am not liable for this debt with Vive/Tbom. I do not have a contract; they did not provide me with original contract. I demand this account be remove from my credit report.

      Business Response

      Date: 11/29/2023

      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 our cardholder’s account has been paid in full since August 2023.  Vive Financial does not define how long an account remains on a consumer’s credit report.  For more information regarding credit reporting, our cardholder may contact a credit reporting agency.

    • Initial Complaint

      Date:11/22/2023

      Type:Order Issues
      Status:
      Answered
      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 am not liable for this debt with VIVE FIN. I do not have a contract with VIVE FIN. They did not provide me with the original contract as I requested.

      Business Response

      Date: 11/27/2023

      Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that debt validation will be mailed to our cardholder and will arrive in 7-10 business days.  If our cardholder has additional questions our representatives can be reached at ###-###-####.

    • Initial Complaint

      Date:11/18/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      Complaint Summary and/or timeline of events: Issue/Damage/Crime/etc.: Credit Card Applications (Fraud/ID THEFT) Context and background: On 11.20.22, I was a victim of Grand Theft Auto (GTA) /Police Report #: *************. The suspects who stole the vehicle also stole everything in it; including but not limited to- my Driver’s License, Hospital badge, Auto insurance card which listed my FULL home address, house keys, garage door opener, personal belongings, etc. The recent credit card and bank application attempts may be associated with the aforementioned police report/crime. What was uncovered: On 10.17.23, I received two (2) Credit Card Application letters of denial from Capital One Bank and Synchrony Financial dated 10.12.23. *This was submitted without my knowledge or consent. Fraud Bank: VIVE FINANCIAL aka The Bank of Missouri. **They service Merchants such as MATTRESS FIRM and are underwritten or associated with the Bank Of Missouri.** On 10.17.23, I received MULTIPLE Credit Card Application letters of denial. Capital One Bank, Destiny MasterCard by Concord Credit, and Synchrony Financial dated 10.12.23 and 10.20.23. Approved Credit Cards: *VIVE Financial 4 Credit Cards- Fraud Charges of: $800.88, $414.52, $208.42, $108.37, total amount of FRAUD *thus far of $1,532.19. Desired Resolution: 1-ANY and all credit or financial balances owed to the Creditors need to be filed as FRAUD and balances brought to zero based upon the entirety of the account being opened fraudulently. 2-Remove any and all associated HARD INQUIRIES tied to recent FRAUDULENT credit card/bank/financial loan applications from the date range of 10.1.23 to present.

      Business Response

      Date: 11/27/2023

      Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that due to the notification being received through multiple channels the formal response will be provided in partnership with our issuing bank.  If the consumer would like more detailed information, our Fraud Department can be reached at ###-###-####.

    • Initial Complaint

      Date:10/26/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      They want me to schedule a PAYMENT. I never opened any account with them that I am aware of.Will bring it to the attention of my bank's FRAUD department.

      Business Response

      Date: 10/31/2023

      Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that the account was opened through ************** in *********, **.  If our cardholder has additional questions or concerns regarding the account, our customer service representatives can be reached at ************.

    • Initial Complaint

      Date:10/26/2023

      Type:Customer Service Issues
      Status:
      Answered
      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 am not liable for this debt. I do not have any contracts with Vive allowing them to charge a 30% intrest rate . as well they did not provide me with an original contract stating anything as I requested according to legal laws. This information does not add up across all credit bureaus nor follows all of FCPA laws and guildlines. I have reached out to this company multiple times they have yet to provide any contacts as well as any information reguarding the percentages or fees as well.

      Business Response

      Date: 10/31/2023

      Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please advised that debt validation will be mailed to our cardholder and will arrive in **** business days.  If our cardholder has additional questions our representatives can be reached at ************.

    • Initial Complaint

      Date:10/23/2023

      Type:Billing Issues
      Status:
      Resolved
      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 alerted by TransUnion of a new credit card account that opened up with VIVE Financial in October 2023 with a limit of $3,000 and a balance of $2,947. I called ************ and spoke with ****** at extension ****. He would not release ANY transaction information, address, account, or any information with me and I am very disappointed that this has happened to me and how he handled this matter. He said he was going to mark my account as fraudulent and would transfer this to that department, but would not help me with any further information to provide comfort that this matter was resolved. I called back again and spoke with ****** who said I should have a case #. Then she said Austins extension x**** would be a sufficient case #, which makes no sense. My account must be marked as fraudulent. Any account opened up with my name is fraudulent and needs to be closed immediately. I am asking for VIVE Financials written response confirming my account was fraudulent and is closed immediately with VIVE Financial. Thank you for your help.

      Business Response

      Date: 10/27/2023

      Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that the account has been closed and a fraud investigation has been opened.  A request for documentation has been mailed to our cardholder.  If our cardholder has additional questions or concerns our **************** can be reached at ************.  

      Customer Answer

      Date: 10/31/2023

       
      Complaint: 20769581

      I am rejecting this response because I already provided the ***** police case # and my signed and notarized affidavit a week ago.  They need to close my account and remove from my credit score.

      Sincerely,

      ***********************

      Business Response

      Date: 11/07/2023

      Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that the account has been closed and the necessary documentation has been received from the consumer.  A fraud investigation can take up to 60 days to complete.  ******************** can be reached at ************ if the consumer has additional questions.

      Customer Answer

      Date: 11/08/2023

       
      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,

      ***********************

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