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:07/27/2025

  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.

  Charged interest and annual fees on account that was to have zero interest and zero annual fees for 12 months. Planned to pay balance of $500 in full by end of promotional period on 8/1. Spoke to representatives several times to be sure of the date to pay off balance. Wanted to pay remaining balance today but after logging into my account saw the deferred interest charge as well as additional interest charge and annual fee charges a few months ago. I feel this due to me getting close to paying off the account and the company wanting to make it difficult for me to do so. We have no problems with our account otherwise and we would appreciate the refund of the interest so the account can be paid off in full. I am prepared to pay off account in full and close the account today. Please contact me to discuss.

  Business Response

  Date: 07/28/2025

  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 promotion that was put on the account at the time the charge was made was 12 month deferred interest, which expired on 7/14/2025 at 5 PM CST. However, we were able to speak to the cardholder today regarding the concern and all has been resolved. If our cardholder has any addition questions, our representatives can be reached at ************. 

• Initial Complaint

  Date:07/23/2025

  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.

  My Vive card payment was due on 7/22/25, and I submitted the payment through your website on that same date. Despite this, I was charged a $41 late fee today, and my account has been placed on hold.
  
  When I contacted customer service, I was told the payment had to be made by 5:00 PM on 7/21/25. This is not reasonable. The payment was made on the due date via your online system. Your office hours should have no bearing on an automated payment system.
  
  Charging a late fee because a payment was made a few hours after your call center closed—on the actual due date—is arbitrary at best and appears to be a deceptive practice. Unless this issue is resolved promptly, I will be filing complaints with the Wisconsin Department of Consumer Protection and the Office of the Attorney General.
  
  Please respond with a resolution within 7 business days.

  Business Response

  Date: 07/28/2025

  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 information.  However, the minimum payment must
  be made on the due date before 5 PM CST. If it is received after this time it
  will be considered late, and a late fee will be added to your account. Our cut
  off time does not correspond with our call center hours, it is the cut off time
  for payments to be made. We will waive your recent late fee of $41 as a
  courtesy to your account. If our cardholder has additional questions, our
  representatives can be reached at ************* 

  Customer Answer

  Date: 07/29/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23643894, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ***** ****

• Initial Complaint

  Date:07/23/2025

  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.

  Under 15 U.S code 1681e (b)accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.
  15 U.S code 1681i (5) Treatment of inaccurate of unverifiable information (A) In general it, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ,and II) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

  Business Response

  Date: 07/28/2025

  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 debt validation letter will be provided to address on
  file. If our cardholder has any additional questions, our representatives can
  be reached at **** ********

• Initial Complaint

  Date:07/22/2025

  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.

  Why and since when has a 9.99 monthly fee for having an account open okay. I financed for 18 months no interest however being charged $10 a month just for having an account is ridiculous this wasnt disclosed when I signed up for the card. My no interest ends in November

  Business Response

  Date: 07/22/2025

  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 information. However, on 1/3/2025 our cardholder was sent a change in terms notification, which included a monthly Account Maintenance Fee, to be effective in February 2025. Our cardholder was also given the opportunity to reject the changes by contacting our **************** representatives. If our cardholder has additional questions, our representatives can be reach at ************.

  Customer Answer

  Date: 07/23/2025

   
  Complaint: 23635215
  
  I am rejecting this response because:  I thought it was $10 for the year not each month. If I rejected it what was my option? To pay off the balance and close my account? I am elderly and retired on a fixed income. 
  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 07/28/2025

  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 information.  However, if the cardholder rejected the terms it would mean the account would be closed and the original terms would be reinstated. If our cardholder has additional questions, our representatives can be reached at ************.

• Initial Complaint

  Date:07/14/2025

  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.

  I recently purchased furniture from Bob's Discount Furniture in Ontario, CA and was offered 0% interest financing through Vive Financial. I accepted the offer after being told by the salesperson that there would be no interest for 12 months and no additional fees. After receiving my account details from the financing company, I noticed a $99 annual fee that was never disclosed to me at the time of purchase. This fee was not mentioned verbally, in writing, or during any point in the transaction. I contacted the financing company directly to dispute the charge. The representative acknowledged the fee but said the only way to have it waived was if I paid the account in full immediately, which defeats the purpose of the financing plan I was offered. I feel this is a deceptive practice—presenting a 0% interest promotion while hiding an annual fee that makes it far from free. Additionally, the financing inquiry lowered my credit score, so I cannot simply close the account without consequence. Had this fee been disclosed, I would have never agreed to the financing in the first place. I am requesting that the $99 annual fee be removed from my account without the condition of immediate full payment, and that Vive Financial update their disclosure practices to prevent this from happening to others.

  Business Response

  Date: 07/17/2025

  Thank
  you for contacting Vive Financial on behalf of the consumer.  Due to the
  private nature of the account, we cannot provide account specific
  information.  However, consumers are required to agree to the terms
  and conditions governing the account prior to applying for credit. The
  terms and conditions detail finance charges and fees which may be assessed on
  the account. As a one-time courtesy, our cardholder will see a credit
  adjustment of $99 on the next monthly billing statement.  For additional
  assistance, our representatives can be reached at ************.

  Customer Answer

  Date: 07/17/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23596666, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ****** ****

• Initial Complaint

  Date:07/11/2025

  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 applied and was approved in April for a credit card, I have yet to receive a physical card for me to use . When I call customer service they tell me it’s an issue with my address however I am receiving paper statements with no issues. I’m paying on a card that I do not have access to.

  Business Response

  Date: 07/17/2025

  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 information.
  However, our cardholder has updated the address on the account, and a new card
  was issued. In reviewing the account, it appears the issue has been
  resolved.  If our cardholder has additional questions, our representatives
  can be reached at ************. 

• Initial Complaint

  Date:07/07/2025

  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 received a credit card in the mail in my name which I did not apply for with atleast 3 charges totalling almost 10k. This is a scam and identity theft. It has charges coming from Minneapolis.

  Business Response

  Date: 07/17/2025

  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 information.  However, the account in question is
  closed and a fraud investigation is pending.  Our Fraud Analyst has sent a
  request for documentation, which the consumer will receive shortly. 
  Please note that a fraud investigation can take up to 90 days to resolve. 
  If the consumer has questions regarding the investigation, our representatives
  can be reached at *************

• Initial Complaint

  Date:06/18/2025

  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.

  June 6 2024 I got a dog from a Dallas pet shelter. The lady ****** from the shelter did the vive application. I did not sign it myself or apply myself.I traveled over 6 hours to get there and all I did was pick up the dog and she gave me a folder that says “0 interested $164 a month” and instructions on the dog. The dog died a week later. They did give me a sick dog. I’ve been paying vive $204 autopay and paid 2,500. The balance was around 5k. I had 2,800 left to pay and noticed I just received an email showing that now I have interest and my balance has gone up over 2k. I called and spoke to agent *****. He told me oh well. Then called again and spoke to ****. I did not agree to a deferred plan. I would have never signed up at all for this. I called and let them know I could continue to pay the agreed amount but I cannot pay more than what I owed which is 2,880. They refused to work with me or provide a solution. I called that pet shelter and they told me they fired ****** for doing the applications for their clients. I let vive know I will not pay anything anymore. If it goes to collections I will not be paying that as they completely scammed me into this credit card. Vive did not show this “promo” when I made payments. I am very close to filing for bankruptcy. If I cannot get my account readjusted to what I agreed apon then I will not continue to be a on time customer. I understand they will give it to Debt collectors and I have the two conversations this morning recorded. Where I pleaded for financial settlement and was told “we can’t do anything” I will have to stop paying entirely if the interest isn’t removed and the two hidden/annual fees aren’t reversed. Please send me my contact with MY signature because I personally NEVER signed. I will get an attorney to get this disputed entirely and will seek reimbursement for the 2,500 I have already paid.
  I am asking for a settlement, or simply removing everything that was changed on 6/14/25 on my account.

  Business Response

  Date: 06/20/2025

  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 information.  However, our records
  show that the account was opened, a charge was made along with 12 monthly
  payments.  Our cardholder
  was sent a letter detailing the promotion applicable to the purchase,
  including the length of terms, the expiration date, and how to avoid paying
  interest on the purchase.  This information is also detailed on every
  statement of account prior to the promotional terms expiring. If our
  cardholder has additional questions, our representatives can be reached at
  *************  

  Customer Answer

  Date: 06/20/2025

  
  
  Complaint: 23487627
  
  
  
  I am rejecting this response because: I did not apply for a vive credit card myself. A former employee filled out the application on my behalf. It’s been on autopay for 12months. I did not authorize nor was I properly informed BEFOREHAND that I would have interest charges. I was scammed into a credit card as I was told I would pay no more than the balance of 5,022. The employee gave me a folder stating 0% interest at 164.00 a month. I was close to paying that off and had 2,800 left. Now with interest randomly added onto my account an an annual fee- my account is back to 5k balance. I will continue to dispute and seek legal action. Vive you refuse to remove hidden fees and hidden interest, I refuse to pay you anymore Vive unless you get this readjusted to what I signed up for. If not, I can guarantee you will have to sell the debt to a collector in which at that point my attorney has advised me to continue to dispute it. I will Show proof of documentation of everything so that the debt collectors can hold you Vive accountable. I still haven’t received a copy of this application. 

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

• Initial Complaint

  Date:06/16/2025

  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.

  I opened my account May 2025. I was able to use my card once for a purchase then the account was placed on hold for verification of identity. A fee of $99.00 was charged to my account for a yearly activation fee. I sent a copy of my ID through the identification process and then my account was closed even after I verified I was the correct individual. My account was closed in error.

  Business Response

  Date: 06/20/2025

  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 information. It has been determined that our cardholders account was closed in error, and we sincerely apologize for the inconvenience. The account will be re-opened and as a courtesy, we will waive the annual fee. A representative will reach out to our cardholder at the time the account has been reactivated.  If our cardholder has additional questions, our customer service representatives can be reached at ************.

  Customer Answer

  Date: 06/23/2025

   
  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.
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:06/16/2025

  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 opened a Vive acct at bobs furniture. Spent thousands of dollars on living room and bedroom furniture that I paid off in full..then purchased a 300 dollar area rug. I was making the payment every month. They charged me $44 because it wasnt paid off in six months. I had no idea that therewas a six month on the $300 then I closed my account while still paying the account and now theyve charged me after I closed my account and $99 for having the account so Ive been charged $143 on a $212 rug not counting the normal interest that I shouldve been charged

  Business Response

  Date: 06/20/2025

  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
  information.  However, the purchase in questions was placed on a 6-month
  deferred interest promotion but not paid in full by the promotion expiration
  date.  Our cardholder was mailed a letter detailing the promotion,
  including the length of the terms, and the expiration date. This information is
  also available on each monthly billing statement prior to the promotions
  expiring. We encourage our cardholder to review those documents.  Annual
  fees are valid as long as the account has a balance.  If our cardholder
  has additional questions, our representatives can be reached at 877-486-3442.