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:09/22/2023

  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.

  As of this complaint, I have never heard of Vive. Credit karma alerted me that they openED an account with my name. I contacted them and they said they would open a fraud investigation for me. I would like to know how people can just open an account in your name with no proof of identity? I just wanted to make the complaint so it is on record that I did not open an account and want this corrected. I have also placed a freeze on all credit bureaus and are in the process of disputing on all three as well. This is very disheartening when you work so hard for great credit.

  Business Response

  Date: 09/25/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that a Fraud Analyst has opened an investigation which can take up to 60 days to complete.  Once the investigation is complete our cardholder will be sent notification of the resolution.  If our cardholder has additional questions or information to provide, the **************** can be reached at ************.

• Initial Complaint

  Date:09/22/2023

  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.

  I have been paying this account for years, automatically every month out of my checking account. I got a notice in the mail saying the account was closed due to "poor credit performance ono your account with us." This is not accurate. In the years I've had this account there may have been 2 or 3 late payments but all the other payments have been paid on time and in full. Not only this but I received no warning that this was happening and when I called to get further explanation their customer service person couldn't give me any details beyond what the letter said. This is not good business. I would recommend people stay away from this company.

  Business Response

  Date: 09/25/2023

  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 not in good standing prior to automatic payments being set up. We have contacted the cardholder successfully to discuss the account regarding the complaint. If any additional questions come up they can reach our representatives at ************.  

• Initial Complaint

  Date:09/11/2023

  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 am not liable for this debt with VIVE FINANCIAL. I do not have a contract with VIVE FINANCIAL and they did not provide me with the original contract as requested.

  Business Response

  Date: 09/13/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  Due to the private nature of the account, we are unable to provide account specific details. However, please be advised that we have attempted to reach out to our cardholder but have been unsuccessful.  If our cardholder needs further assistance, our  representatives can be reached at ###-###-####.

  Customer Answer

  Date: 09/14/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  I did not sign into contract with this company and I am not liable for this debt . No attempt has been made to contact myself ***** *** ******* , by VIVE FINANCIAL LLC. I demand proof of attempts and a copy of the original contract. Please remove this company from my account immediately. 
  
  Sincerely,
  
  
  
  ***** *******

  Business Response

  Date: 09/19/2023

  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 has been mailed to our cardholder.  If our cardholder hasadditional questions our representatives can be reached at ###-###-####

• Initial Complaint

  Date:09/05/2023

  Type:Order 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 tried to arrange with this company for a payoff. They refuse to discuss the option. I have paid them the total original amount of the loan at $5,000.00 plus $2,200.00 and when I called to settle on a payoff they stated my balance is over 3k remaining and that they will not settle. I do not understand how companies get away with this. If BBB does not step in on this situation I will hire an attorney and file a complaint with the attorney general.

  Business Response

  Date: 09/13/2023

  Thank you for contacting Vive Financial on behalf of the consumer.   While we are not able to provide account specific information please be advised the account is subject to interest and fees, and therefore, the current balance is accurate.  Our cardholder can reach out to our representatives at ###-###-#### to discuss payment options.

• Initial Complaint

  Date:08/29/2023

  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 am not liable for this debt with Advanced Collection Bureau, INC. I do not have a contract with Advanced Collections Bureau, INC. They did not provide me with the original contract as i requested.

  Business Response

  Date: 09/01/2023

  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
  while we are not Advanced Collection Bureau, Inc. we do have record of an
  account for this consumer.  Our cardholder can reach out to our
  representatives at ###-###-####.

• Initial Complaint

  Date:08/19/2023

  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.

  Acct#******* never had any dealing with this company or organization but still reporting on my credit report. I have dispute this item with all 3 bureaus but still reorting this false information

  Business Response

  Date: 08/29/2023

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

• Initial Complaint

  Date:08/19/2023

  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 am not liable for this debt with Vive Financial. They have not provided me with the original contract as requested. I have never done any business with Vive Financial

  Business Response

  Date: 08/29/2023

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

• Initial Complaint

  Date:08/17/2023

  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 am not liable for this debt with ****/Feb. I do not have a contract with Vive/Feb . They did not provide me with the original contact as I requested

  Business Response

  Date: 08/29/2023

  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 was opened in 2013 but no charges were ever made.  The account has been closed since 2015 and no balance is owing.  If our cardholder has additional questions, our representatives can be reached at ************.

  Customer Answer

  Date: 08/30/2023

   
  Complaint: 20486340
  
  I am rejecting this response because: this account is still showing on my credit reports please remove it from all three credit bureaus 
  
  Sincerely,
  
  *********************************

  Business Response

  Date: 09/05/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  Please be advised that Vive does not define how long an account remains on a consumers credit report.  For more information regarding credit reporting, our cardholder may contact a credit reporting agency.

• Initial Complaint

  Date:08/09/2023

  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.

  Accepted card for purchase on 8/24/2019. Had auto payment set up for reoccurring monthly payments. There were several times they would skip a month and then the following month take two payment and even a occurrence where they took three ( all without authorization). Company is seeking an additional $517 and spoke with rep who confirmed they did not have the authorization to pull more than one payment and saw it was set to monthly auto payment. On 7/25/23 asked for detailed ledger to review for unnecessary late fees and accrual of interest. Did not receive requested ledger. On 8/9/23 rep called again and was notified of no ledger received and stated they sent an email offering 40% off. Advised this is not a ledger and requested again. I demand the company report a full accounting and adjust all unnecessary late fees and accrued interest due to their negligence. It also reflect on my credit report that the account was charged off and transferred for recovery. Which is it? Are you attempting to collect your fraudulent late charges and interest or is another entity?

  Business Response

  Date: 08/29/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  Due to the private nature of the account, we are unable to provide account specific details.  We have been in contact with our cardholder directly and the requested documentation has been mailed.  If our cardholder has additional questions our representatives can be reached at ************.

  Customer Answer

  Date: 08/30/2023

   
  Complaint: 20448677
  
  I am rejecting this response because: The received ledger has over $560 in late fees assessed that were never late and a mere adjustment of $184.  I want the company to fairly adjust to indicate that I was never late, because there was an auto pay on record, of which they would charge every other month and assess a late fee between.  With the amount they are billing, this would more than zero out the account.
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 09/05/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  Please be advised that while our cardholder was set up on automatic payments using a debit card, the transactions were declined by the cardholders financial institution at the time of processing, resulting in late fees being assessed.  Our cardholder can call ************ to discuss new payment arrangements and resolve the account balance.  

  Customer Answer

  Date: 09/05/2023

   
  Complaint: 20448677
  
  I am rejecting this response because: My bank did not reject any payments from Vive.  I had checked with the bank each time a representative would advise me that it was declined.  ******** and my my bank records indicates that a payment request was not attempted.  Short of you issuing the adjustment, I will be seeing you in small claims court.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:08/07/2023

  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.

  As of this complaint, I have never heard of Vive. Credit karma alerted me that they opens an account with my name. I've never had any contact with them. And want to know why this happened

  Business Response

  Date: 08/29/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  Due to the private nature of the account, we are unable to provide account specific details. However, if our cardholder needs account information or assistance, we encourage them to contact our representatives at ************.

  Customer Answer

  Date: 08/30/2023

   
  Complaint: 20435064
  
  I am rejecting this response because:

  It showed up on my credit report as a card that I allegedly opened. I've never heard of vive and have not tried to open a new account with anyone in some time. 
  
  Sincerely,
  
  *******************************

  Business Response

  Date: 09/05/2023

  Thank you for contacting Vive Financial on behalf of the consumer.  Please be advised that an investigation has been conducted and the account has been deemed fraud.  Our records have been updated and we will remove any prior information related to this account from the ********************** reporting agencies. If the consumer has additional concerns, our Fraud Analyst can be reached at ************.