Complaints

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

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  Arivo Acceptance, LLC

  4770 S 5600 W Ste 200 Salt Lake City, UT 84118-7400

  
• 

  Arivo Acceptance, LLC

  PO Box 708310 Belmont Heights, UT 84070-8313

  

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:04/12/2025

  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.

  I have been having health issues and fell behind on car payments. Ended up in the hospital *** and wasnt able to contact Arivo. My wife did send them messages in their app while I was unable to speak but I was not able to authorize her as someone to talk to about my financial issues with the company. While I was in the **** Arivo continued to try to contact me but they also broke the law by contacting and leaving messages with family members. I find this funny because just recently, my wife contacted Arivo through email because they had stated they would go to court. Their response was for me to contact them to give them authorization to speak to her. I find this alarming since they actually contacted and left messages that we have saved to family members. We have spoke to an attorney about this and its a $1000 dollar fine and could be a lot more considering I was already in the hospital in the *** when this occurred. As soon as I was able to, I called Arivo and was going to work on a plan with them but since, I have been readmitted but hope to be out by tomorrow. Maybe the stress from them has caused more stress to land me back into the hospital. The resolution I would like is for them to not only send me the title to the vehicle, paid off, but the $1000 for breaking the law. Or they could pay off half the vehicle, have the next payment due in September.

  

  Business Response

  Date: 04/18/2025

  Arivo is sorry to hear about your ongoing health battles. Unfortunately per the law financial institutions are not able to disclose loan details to anyone who is not on the loan or authorized by the account holder. In order to disclose those details to your wife we would need to have you call and authorize her on the account, or be provided with a power of attorney. Without those Arivo will not divulge sensitive loan information. 
  Even though your wife made Arivo aware of the hospitalization, you are still required to uphold the contract that was signed at the dealership. Arivo did reach out to offer you assistance to help you during this time to relieve some of the financial burden. However Arivo did not hear back through call, text, or email and therefore were not able to apply that assistance. 
  When financial institutions are not able to reach customers we will reach out to employers, landlords, etc. to see if there is a better way to get a hold of you or if there was a life shift. Arivo pulled calls and at no point did we leave a voicemail that disclosed debt to anyone. If you have the voicemail please send it to ******************************** and Arivo will review it. Again all calls that were reviewed did not disclose debt. If you would like to resolve the past due amount and see about potential assistance please reach out to your account manager at ************ Thank you.

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23195949
  
  I am rejecting this response because: I do have a voicemail correspondence that does violate the laws.  You can have the vehicle back and we will retain the attorney that heard the voicemail.  You can pick up the vehicle as a voluntary repossession, and you may text me for the address.  
  
  Sincerely,
  
  ******** *******

  

  Business Response

  Date: 04/24/2025

  Arivo records and retains all calls for 7 years. In the manner of this account there is no call made to a third party where debt was disclosed through a voicemail or live call. If there is evidence to contradict that, please send it to ******************************** so appropriate measures on our side can be taken. If you would like to talk about a voluntary repossession then you will need to contact your account manager. They will guide you through that process and advise you of the current balance and the amount you would still be responsible for after auction. If there are any other questions or concerns, please reach out to your account manager. 

   

   

   

  Thank you

  Customer Answer

  Date: 04/24/2025

   
  Complaint: 23195949
  
  I am rejecting this response because: our legal team will send your legal team the information. Per NC law, your contact in itself was not justified.  No more contact is needed.  Cease and desist any more contact, our attorney will send you any more information. 
  
  
  Sincerely,
  
  ******** *******

  

  Business Response

  Date: 04/25/2025

  We will note your request in your accounts. If there is anything Arivo can help with in the future please reach out to your account manager. 

• Initial Complaint

  Date:03/31/2025

  Type:Product 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.

  Dear Arivo. I am writing to formally request that your company immediately cease all calls to my phone number, *****************. For the past year and a half, I have been receiving numerous calls from your agents looking for a person named *******. Each time, I have informed your representatives that they have the wrong number and that I, ******* *****, have owned this number for over 10 years. I have no business with your company and no connection to this individual.Despite repeatedly requesting removal from your system, your agents either hang up on me or claim they will remove my number, only for me to receive another call within a week. I have spoken to countless agents and supervisors, yet the calls persist.Most recently, on March 31 at approximately 6:57 PM EST, I called your office at ***************** and spoke with an agent named ******. He was unhelpful and stated that he could not assist me. When I requested a supervisor, he claimed that his supervisor, ****** had left the building and that nothing could be done. This lack of accountability and disregard for my repeated requests is completely unacceptable.Your ongoing calls have caused me undue stress and emotional distress. I am formally requesting that my number be permanently removed from your system and that I receive no further contact from your company. If this matter is not resolved immediately, I will have no choice but to explore legal action.Please confirm in writing that my number has been removed from your records and that I will no longer be contacted.

  

  Business Response

  Date: 04/01/2025

  Hello Mr. ************************************** apologizes for the continued calls. The account in question has been located and your number has been put in as a do not call. If you have any question or further concerns please call **************

• Initial Complaint

  Date:12/07/2024

  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.

  This company harrased me for my monthly payment three days before i was late. On top of that they were supposed to pay me my refund when it got to the bank they said they stopped the check this comonay is a farce and needs to be stopped with the harassment when people have never been late on there account and as for the 62.21

  

  Business Response

  Date: 12/10/2024

  ****** ******* spoke to a supervisor on December 9th 2024 regarding the refund. The supervisor advised that the check was being cut today and would be sent in the mail. To which ****** agreed that was acceptable. Regarding the calls for monthly payments, All calls from September 1st 2024 to December 10th 2024 have been inbound calls from ****** with the exception of one voicemail made by the account manager asking for a callback. If there is a specific instance Arivo asks that ****** speaks to an account manager or supervisor to provide the dates these calls in question happened. If there are questions or further concerns please call Arivo at ###-###-####
  

• Initial Complaint

  Date:12/04/2024

  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.

  Hi, my name is ****** ******. **** ****** and I finance a 2019 Jeep Renegade through Arrivo Acceptance. Ive requested Arrivo Acceptance to give me an accurate waterfall statement multiple time. Please see the attached statements throughout the years where the accounting is highly unprofessional. I am requesting these mistakes be corrected while everything is in a consecutive order from the first time I made a payment down to the bottom. This to include the original payment dates, daily interest rates for the pay period in which I paid, amount owed per month - I know it had to go down due to over payment sometimes, amount towards principle, amount towards interest, over payments made, any and all of which is included in the accounting for our car loan. Along with copies of the refund checks sent to them from Toyota Financial for Warranty and Gap proceeds. Please help me get an accurate waterfall statement. All I am wanting to see is accuracy within the accounting.

  

  Business Response

  Date: 12/10/2024

  Arivo is unsure as to what you are asking for. Waterfall statements have been provided in the photos that were sent by the customer. With the current principal balance at the bottom. Arivo has included photos of the payment history. If this is not self explanatory please reach out to your account manager for further clarification. You may reach the loan servicing department at ###-###-####

   

   

   

  Thank you

• Initial Complaint

  Date:09/26/2024

  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.

  On 9/26.2024 Arivo took $960.36 out of my checking account without my consent. I cannot contact them as no one is answering the phone also I'm not behind on payments and made a payment for ******* on 9/11/2024. I'm a single parent with no help and it's tough making ends meet at times, I still have other bills to pay and if this money is not back in my account soon my other bills will bounce also I still need to get food. This is highly disturbing and I need some type of communication about how soon I will be able to get my money back.

  

  Business Response

  Date: 09/27/2024

  On June 10th 2024 you spoke to an account manager at ********************** and advised that you were behind two (2) months due to ***airs on the vehicle. 
  

  Arivo offered you a sixty (60) day extension to get the account back to a current status. At this time Arivo did advise we needed ongoing payment arrangements as part of the agreement to be granted an extension. A disclosure was read to you and you agreed. You advised that the 26th of July was when you would be able to make your next payment. When you were asked if you wanted that going forward or just for the month of July you advised moving forward. As such that is when payments were set up. 

  
  The payment that was taken out on September 26th was refunded the same day which the customer service *** also told you while on the phone with them. Depending on your bank the funds can take anywhere from two (2) to three (3) business days to be returned to you. 

  
  Arivo is happy to provide you with recordings of the phone calls mentioned for further verification that this was an arrangement that was agreed to. We hope this response clears up any concerns. If you have further questions please call Arivo at **************.
  
  
  Thank you,
  

  
  

• Initial Complaint

  Date:07/22/2024

  Type:Sales and Advertising 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 had a carloan through Arivo and the car was totaled out. after gap insurance there was a balance of 1300 and some change. we made and araaingment for the rest but the firs tthing they did was report me 2 months behind on loan causing great impact to my credit. per the loan terms reported by them (72mo loan) i am in fact overpaid so reporting any amount behind is a straight up lie and is impacting my life greatly. I have filed a complaint with the **** and now one here.

  

  Business Response

  Date: 07/23/2024

  ******************, 
  Arivo reports accurately to Experian, Transunion, and Equifax. When the account hits a number of days past due it will report to credit. When arrangements are not met, that continues to be reported to the bureaus. However Arivo would like to help you reach a satisfactory outcome. Please contact our recovery department at ************
  
  

  Customer Answer

  Date: 07/24/2024

   
  Complaint: 22025278
  
  I am rejecting this response because: I have tried to work with you and your employee specifically said they meant to ruin my credit since I refused to pay after you marked me 2 months behind. I asked then for them to report it correctly and I would pay the total and they said they  would not change the report to the credit companies. so you have not infact reported it correctly you purposely reported it late to further hurt my credit despite the fact you have received over 98% of the funds for the loan. 
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 08/01/2024

  ******************,
  Arivo has reviewed every call associated with your number. At no point did any Arivo employee advise you of anything credit related. You were advised that monthly payments needed to be continued until there was a zero balance on the account in order to avoid being late. You were offered a re-amortization on your loan to bring down the monthly payments, which you refused. ** February 21st 2023 you also admitted you would not be making any payments until your case was closed and that would be 6 months from then. You advised Do what you need to do to make it correct. multiple times without listening to Arivos account servicing rep. ** February 27th 2023 you advised that you had hired an attorney to handle your case and to cease and desist communication with you directly. When we asked for your attorneys information and permission to disclose loan details, you hung up. Since then there have been no calls made. If you would like to better understand how your funds are applied to your account, or to gain a better understanding of what is owed, please reach out to Arivos recovery department. Arivo is happy to assist you
  
  

• Initial Complaint

  Date:07/11/2024

  Type:Order 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.

  Arivo keep calling my family members claiming that they are looking for me. Ive never been or done any business with this company past, present or future for the for the amount of arrasment. In one occasion a female representative of Arivo called my wife and when I spoke to her and told her that we have never taken out any loans with this company she starting to make threats by saying "we know everything about you and we have all of your information" once again we have never conducted any business with this company but they keep calling everyone of my immediate family member claiming that need to speak with me.

  

  Business Response

  Date: 07/15/2024

  Hello *******, 

  Arivo calls references of account holders as well as people who are potentially affiliated with them as well. Everything obtained by Arivo is public information. Furthermore Arivo stores every call made and according to the recordings Arivo called you once at the number you listed in the complaint, to which there was no answer on your part and Arivo was not able to leave a voicemail. We take all complaints very seriously and if there is further information you can provide please email it to us at *********************************

   

  Customer Answer

  Date: 07/15/2024

   
  Complaint: 21975629
  
  I am rejecting this response because:

  There's many other calls to my number in the past. Furthermore, your company also contacted my son at ************ and also my wife at ************. Regardless if public records or not, nobody in my family ever conducted any business with your company. Stop calling us.

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

  

  Business Response

  Date: 07/16/2024

  As you do not have an account with ********************** and are most likely a possible reference for someone who does, we are not able to link your number. If you would like to stop receiving calls there are a few options 

  You may answer the call and advise the rep to stop calling. This will directly link your number to the customer we are trying to get in contact with. 

  You may call ************** and advise the rep to have Arivo stop calling. 

   

  Again all of Arivo's information is public information and not obtained any other way. The last calls Arivo placed to the listed numbers were in June, to which again there was no answer, and have not been pursued since then. 

   

  We are happy to resolve this to the best Arivo's ability. 

  Customer Answer

  Date: 07/18/2024

   
  Complaint: 21975629
  
  I am rejecting this response because:

  TmArivo keep calling our numbers. We just want them to remove our numbers from their contact list 
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 07/18/2024

  Arivo was able to locate the information and has removed your number. 

  Customer Answer

  Date: 07/19/2024

   
  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

  Date:07/08/2024

  Type:Billing 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.

  Experian Credit is reporting ********* with my previous Arrivo Auto account. Showing up in Experian Credit.I trade in my vehicle ******* Altima) last year in August, 2023.It should have been paid off by the dealer - *****************************

  

  Business Response

  Date: 07/09/2024

  Hello ******, 

  Arivo is currently reporting your account as closed and paid in full to all 3 bureaus. If you are seeing a discrepancy please email us a copy of your credit report to **************************************. 

   

   

   

  Thank you

  Customer Answer

  Date: 07/09/2024

   
  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,
  
  *********************** Aka-*****

• Initial Complaint

  Date:07/05/2024

  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.

  Arivo Acceptance had my vehicle towed on or either Thursday, 5/30/24 or 6/6/24.The tow company was ****** Automotive Towing, and the vehicle was taken to Manheim Auction Lot in **************, ***I went to retrieve items from the vehicle on Wednesday, 6/19/24- well within the time frame before belongings are considered abandoned.Everything was present except for 5 pair of ********** sunglasses which were stolen from 2 "fanny packs" that I had in the trunk of the vehicle (there was also one pair of nondescript glasses in each f**** pack and those were still present; only the Ray *** ones had been taken). I told the auction lot about it and they said that I needed to file a claim with the finance company (Arivo) since they ordered the repossession and that this would initiate an investigation on their part (the auction lot).I'd been speaking with 'account manager' **** at Arivo and asked for his help in filing and submitting this claim. He said that he'd check with his inventory department about this and get back to me. He blew my phone, email and text messages UP about the money for the vehicle, but has not returned a single call about filing a claim for my stolen items.I called back and spoke with a CSR who advised (per account notes, I'm assuming) that there was "nothing that they could do" since they didn't actually handle or have possession of the vehicle. I explained that they did by proxy in issuing the repossession order, and that they have partnerships with the company who towed it and the auction lot where it was taken. All I received was a "sorry", but no help.I don't care what reason the vehicle was taken for. Unless a search warrant was involved or it was past the time period to retrieve my items and they were considered abandoned, nobody has the right to violate my belongings and steal from me. I'm demanding assistance in being made whole for the items that were stolen (5 pair of ********** sunglasses).

  

  Business Response

  Date: 07/15/2024

  Arivo Acceptance contracts different tow companies and therefore does not have any control over day to day business, hiring, policies, ETC. The best direction moving forward would be to contact the tow company that took your vehicle. 

  ****** Towing LLC
  *********************************** (Phone: **************)

  You may contact them and file your report there as the claim is against one of ****** Towing LLC employees. Arivo does however take all claims of theft very seriously and if you would like to submit proof of theft (police report, security footage, receipt, ETC) we will investigate on Arivo's end if we should discontinue doing business with *******************. 

   

   

• Initial Complaint

  Date:05/30/2024

  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.

  My landlord call me to say that a ******* of Arivo called to verify my address because I applied for a loan. She asked if I applied for a loan and why didnt I give her the heads up. I had to convince my landlord-that I did not applied for a loan. Once she gave me the information the name and the number sounded familiar. Come to find out this is the same person who called my house looking for my granddaughter about a month ago. I told her my granddaughter doesnt live with me and if I talk to her I will give her the message. ******* went the extra step to locate my landlord to find out if I live at this address. Not only did she made my landlord feel uncomfortable but how could I go behind her back to give out her personal information. Once I told ******* that I dont know where my granddaughter lives and I will give her the message that should have been the end. To call my landlord to is unacceptable and to lie about me applying for a loan. I have no affiliation with Arivo and this gives them no right to call my landlord to verify my personal information. I have no affiliation with Arivo and does not have the right to look up personal information about my landlord.

  

  Business Response

  Date: 06/10/2024

  Arivo does not call landlords for residence verifications for people who do not hold accounts with us. Furthermore we do not have a ******* who is employed at Arivo. A possible reference call could be completed to try to attain contact information for account holders but if the reference in question does not have information or is not willing to give it, then Arivo does not pursue that contact further.