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 708670 Sandy, UT 84070-8639

  
• 

  Vive Financial, LLC

  380 W Data Dr Suite 200, Draper UT Draper, UT 84020-2308

  
• 

  Vive Financial, LLC

  PO Box 268808 Oklahoma City, OK 73126-8808

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:10/01/2025

  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.

  Hello, I applied for a Vive Financial Credit Card, recently and after reading the terms and conditions decided to close the account. I never made a charge on this Card, never used it yet graciously added my payment details to the card account as requested to pay an annual fee of $45 dollars, which I understood from the representative (and just about every other card I have) would be charged only after I had made the first (or any) initial purchase using the card. I never made any purchase using the card, I requested by phone a closure of the account immediately, was tossed to three different represetatives who told me that my balance owed was over $120 dollars, and as yet, today, I have never logged a purchase. I am beside myself and feel like something is wrong. I never made even one purchase, and expected to pay an annual fee, yet had called to cancel the card as I realized I had enough cards elsewhere and decided not to keep the card, and after a long conversation and three different representatives they finally agreed to close the account and hung up on me. Nevertheless, this morning after calling again, to get an update I was to told there was a fraud report made on the account by me ( I had made mention in the initial conversation to someone whose English may have misconstrued my use of the term) that I felt defrauded being charged $45 + $45 + $20 (late fee?) and now have a debt owed to Vive Financial for a card I never used, no charges made ever on the card, and now I'm being told they are (after confirmed closing the account) coming after me and reporting me credit agencies that I have not paid my card. Is there any help available before I cave in to protect my credit being besmirched by this company? Thank you. -*****

  Business Response

  Date: 10/03/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are not able to provide account specific information please be advised that we have waived your outstanding balance to $0.00. You should see this reflected on your last statement. If our cardholder has additional questions, our representatives can be reached at ************.

• Initial Complaint

  Date:09/29/2025

  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 am not liable for this debt with VIVE FINANCIAL. I don't have a contract with VIVE FINANCAL. They did not provide me with the original contract as requested.

  Business Response

  Date: 10/02/2025

  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 the account was opened through Mattress
  Firm.  Debt validation will be mailed to our cardholder and can take 7-10
  business to receive.  If our cardholder has additional questions, our
  representatives can be reached at 877-946-4242.

• Initial Complaint

  Date:09/28/2025

  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.

  This business showed on my credit check. I’ve never done business with them and need them to remove themselves from my credit.

  Business Response

  Date: 10/02/2025

  Thank you for contacting Vive Financial on behalf of the
  consumer.  Please be advised that we are unable to locate an account with
  Vive Financial with the information provided. We attempted to reach out to the
  cardholder but was unable to locate them. If the customer has any addition
  questions, our representatives can be reached at 877-486-3442.

• Initial Complaint

  Date:09/23/2025

  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.

  I applied in a mattress firm. The rep explained it was a loan and if I didn’t want to go through with it, I didn’t have to. I chose not to go through with it. A week later I received a notice that Vive reported I opened an account with them. I called Vive and spoke to a rep who said they didn’t report anything to my credit and could see I never went forward with the purchase. The very next day I received a card in the mail saying I opened a line of credit with them. I explained I never did open this, nor agreed to any of the terms. She said whenever you apply it’s like a line of credit, they will send me a card and hit my credit. I explained this was never shared with me. I didn’t agree to any of this. I asked her to remove this from my credit and close the account. She said she could only close the account. I’m putting in this request to have it removed from my credit as well as I did not agree to the terms and conditions.

  Business Response

  Date: 09/25/2025

  Thank you for contacting Vive Financial on
  behalf of the consumer.  While we are unable to provide account specific
  information, please be advised that we have sent your account to be reviewed by
  our fraud analyst. They will investigate your account and reach out to you if
  more information is needed. If our cardholder has any addition questions, our
  representatives can be reached at 877-486-3442. 

• Initial Complaint

  Date:09/20/2025

  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 applied for a no interest 24 month payment plan thru Sleep number thru Synchrony Bank and was declined. After leaving the store, I received a text message from Vive Financial saying I was approved for a credit line of $10,099.00. I never applied for credit thru this Vive or for that matter ever heard of them. I am concerned as to how they got my information….and what their intentions are in using it.
  I have no intentions of doing business with either of these two businesses as I believe that my private information may have been compromised.
  Please advise me on the next steps to take and if I need to alert my local police department to investigate this matter on my behalf.

  Business Response

  Date: 09/25/2025

  Thank you for contacting Vive Financial on
  behalf of the consumer.  While we are unable to provide account specific
  information, please be advised that your application went through a waterfall
  process which was laid out in the terms and conditions at the time of applying.
  This means that if the application was declined through Synchrony, it would
  automatically come to Vive Financial for a potential approval. If our
  cardholder has any addition questions or would like to close their account, our
  representatives can be reached at 877-486-3442

  Customer Answer

  Date: 09/26/2025

  
  
  Complaint: 23912715
  
  
  
  I am rejecting this response because:
  
  I was never informed about any “waterfall process “ in writing or at the business. This is a total scam and have asked our State office of Attorney General to look into this matter for us.

  i have never been turned down for any credit card before, and was informed by the original lender they made I mistake by not granting us the credit on the initial application.

  Mine or anyone’s personal information should not be passed from one lender to the next with out authorization from the applicant EVER.
  
  Sincerely,
  
  
  
  **** *****

  Business Response

  Date: 10/02/2025

  Thank you for contacting Vive Financial on behalf of the
  consumer.  While we are unable to provide account specific information,
  please be advised that in Synchronys terms and conditions it outlines that if
  the application is declined through them then it will go to another lender. If
  our cardholder has any addition questions or would like to close their account,
  our representatives can be reached at 877-486-3442.

  Customer Answer

  Date: 10/02/2025

  
  
  Complaint: 23912715
  
  
  
  I am rejecting this response because: this is basically the same response they sent the last time….My account that was open without my permission is finally closed.

  These companies should not be able to forward mine or anyone else’s personal information around without written consent from the applicant. 
  
  
  
  Sincerely,
  
  
  
  **** *****

• Initial Complaint

  Date:09/03/2025

  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 have only had the account for 2 days now and they charged me a fee of 99$ on a annual fee.

  Business Response

  Date: 09/09/2025

  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 annual fee, as listed in the terms and conditions at time of application, is added once the first purchase is made. It will then be added on again each continuing year that the account has an outstanding balance. If our cardholder has any addition questions, our representatives can be reached at ************. 

• Initial Complaint

  Date:08/31/2025

  Type:Service or Repair 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 purchased a mattress from ******** Firm financed through Vive Financial. The mattress has developed severe sagging, despite proper support and light use (I am the sole sleeper, 130 lbs). This has caused ongoing back pain and affected my health.I reported the issue with full documentation (photos, law tag, proof of support) beginning Feb 2, 2025, and sent follow-ups on Feb 4 and Feb 27, 2025. I escalated again on July 31, 2025, warning that I would file with BBB if unresolved. I also attempted to email ***************************** in August, but the address is inactive (bounced back).Despite 5+ months of documented outreach, Mattress Firm has not resolved this claim or responded.

  Business Response

  Date: 09/09/2025

  Thank you for contacting Vive Financial on behalf of the consumer.  While we are unable to provide account specific information, please be advised that Vive Financial is the financing company for the purchases you recieved through ******** Firm, currently your account is at a $0.00 balance. If you have concerns with the product, that would need to be handled directly with the merchant. If our cardholder has any addition questions, our representatives can be reached at ************. 

  Customer Answer

  Date: 09/09/2025

   
  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. I will create a separate request to the BBB for Mattress Firm, per Vive Financials response.
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:08/26/2025

  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 opened an account with Vive Financial in 2021. I ordered two things, a sofa and a kitchen/dinning table. I had a charge of $350 appear on my statement for a bed that I never ordered and never received. Its been 4 years and I am still having to dispute it. I've contacted Vive many times, I've reached out to Bobs Furniture many times and I've even submitted a complaint to the State of CA Consumer Affairs, all to no avail.

  Business Response

  Date: 09/09/2025

  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 case was opened regarding this charge in
  March of 2024. We reached out to the merchant and they advised to have our
  cardholder give them a call between the hours of 6:30 am- 11:00 PM Mon-Sat at
  860-474-1089. If our cardholder has any addition questions, our representatives
  can be reached at 877-486-3442. 

  Customer Answer

  Date: 09/09/2025

  
  
  Complaint: 23800572
  
  
  
  I am rejecting this response because: I've reached out VIVE FINANCIAL LLC multiple times for the past 24 months and the charges that I never made have not been dropped. I have disputed this charge for months now. Again, I never ordered nor did I ever receive the bed product. 
  
  
  
  Sincerely,
  
  
  
  ******** *****

  Business Response

  Date: 09/25/2025

  Thank you for contacting Vive Financial on
  behalf of the consumer.  While we are unable to provide account specific
  information, please be advised that we do not show any calls in the last 24
  hours from the cardholder. However, we will have a representative reach out to
  the cardholder to discuss the situation and what options we are able to do. If
  our cardholder has any addition questions, our representatives can be reached
  at 877-946-4242.

  Customer Answer

  Date: 09/25/2025

  
  
  Complaint: 23800572
  
  
  
  I am rejecting this response because: Vive Financial has not made any efforts to reach out to me. 
  
  
  
  Sincerely,
  
  
  
  ******** *****

  Business Response

  Date: 10/01/2025

  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 supervisor reached out to the cardholder on 9/26/2025 and was unable to reach anyone. A voicemail was left for our customer to give us a call back. They can do so at 877-946-4242.

• Initial Complaint

  Date:08/24/2025

  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 have not applied for anyone’s credit in the 1yr. I don’t know who they are. They sent me a bill 0.00 However why is there an account at all? I want them to remove my name and any account from their business asap!

  Business Response

  Date: 08/25/2025

  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 account was opened through Sleep Number on 11/03/2014 but is currently closed and at a $0.00 balance. Debt validation has been mailed to our cardholder.  If our cardholder has additional questions our representatives can be reached at *************

• Initial Complaint

  Date:08/21/2025

  Type:Customer Service 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 cannot for the life of me get in contact with this company. I’ve called all the phone numbers, to no avail. They all disconnect when I try to move forward with the menu options. I need help! To make matters worse they don’t provide an email address. So here:
  
  I am writing to request relief on the above-referenced account due to serious financial hardship. Within the past month, I have experienced a combination of challenges, including loss of employment, significant medical expenses, changes in my housing situation, loss of child support income, and, on top of all this, I have become the primary caretaker for my 80-year-old mother.
  
  These sudden and significant difficulties have placed me in a position where I am no longer able to maintain the required payments on this account. Despite my best efforts to manage my obligations, I cannot meet the current terms without sacrificing basic living expenses.
  
  Given these circumstances, I respectfully request that you consider discharging or forgiving this debt. If a full discharge is not possible, I ask that you review any hardship, settlement, or alternative relief options that may reduce or eliminate this burden so I can focus on regaining financial stability.
  
  Please provide a written response confirming your decision so I may keep it for my records. I sincerely appreciate your time, understanding, and consideration of my request during this very difficult period.

  Business Response

  Date: 08/25/2025

  Thank you for contacting Vive Financial on
  behalf of the consumer.  While we are unable to provide account specific
  information, please be advised that we have reached out to the cardholder to
  discuss options in regards to their account but we were unable to get ahold of
  them. If our cardholder has any addition questions, our representatives can be
  reached at ************. Our business hours for that department are Monday
  through Thursday 6 AM – 8 PM MST, Friday 6 AM - 4 PM MST, and Saturday 7 AM-11
  AM MST.