Business Profile

Consumer Finance Companies

Vive Financial, LLC

Headquarters

Complaints

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

Customer Complaints Summary

211 total complaints in the last 3 years.
90 complaints closed in the last 12 months.

If you've experienced an issue

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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:09/03/2025
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:08/24/2025
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.
Initial Complaint
Date:08/19/2025
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.
Their interest calculation is off the charts charged me 3fees 2 days apart
I understand how interedt charges work and based on their %rate it's about 16.00 to much

I am also looking into getting legal help as well perhaps a class action
This company is so bad down to the wrong hours of customer support on their site
They hold on to payments for 14 days nothing takes that long,gee wonder how fat their bank accounts are using our money
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 your account recieves an Annual Fee each
year the account an outstanding balance, an Account Maintenance Fee each month
that there is an outstanding balance, and your regular monthly interest
charges. Those were the three charges that were added to the balance on
6/12/2025. Our customer service hours are 8:30 am-8:00 pm EST which is
reflected on our website. If our cardholder has any addition questions, our
representatives can be reached at *************
Initial Complaint
Date:08/01/2025
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.
Received a letter from Vive Financial dated June 19, 2025 stating that they need additional information from me to process my application for credit by July 1. I never heard of Vive Financial or tried to open the account so did not contact them to complete the application.
Then received a letter dated July 3, 2025 saying that there was a recent charge of $9,686.60 through Sleep Number and stated the terms. I did not make this charge.
I called Vive Financial via phone (************) on July 16, 2025 after I received the letter. I explained to the person I spoke that I did not open this card or make this charge. The person said that this would be passed on to their legal department.
It is now August 1, 2025. In the meantime I have received a statement dated 7/20/2025 with this charge and fees totalling $10,099.00. I have received no communication from Vive Financial. I tried calling twice today and received an answering machine to leave a message.
Business Response
Date: 08/08/2025
Thank you for contacting Vive Financial on
behalf of the consumer. While we are unable to provide account specific
information, please be advised that their is currently an active dispute on
your account, and our fraud analyst is investigating. If our cardholder has any
addition questions, our representatives can be reached at ************.
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: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 took out this credit card almost two years ago and charges initi**** 3300 dollars I’m a single mom and bought a puppy for my son…… I paid this card for almost two years and been in several
Payment plans for around 100 dollars a month but 90 plus dollars is going to finance charges and late fees …. I was diagnosed with cancer and been in treatment so my payments may be meat die to being sick which I have told them and is documented but never not paid ….. so two years of 100 a month payments and my balance is at 3200 dollars so I have paid only late and finance charges and unfortunately can’t keep
Paying while the balance doesn’t decrease they are not willing to work with me and the account is closed …….two years of payment of 100 dollars for 24 months is 2400 dollars it should be deducted from the total balance
…… I think it’s unfair for this to me sent off to collections because I am
Willing to pay remainder or something if they work with me
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 account was placed on
a Permanent Hardship Payment Program on 9/30/2024 due to the cardholders
situation to lower the interest rate to 14% APR. In addition, the cardholder
has received 13 late fees since the account was opened, to avoid future late
fees the minimum payment needs to be made by the 1st of each month
by 5 PM CST. As a courtesy we will waive the most recent $25 late fee. If
our cardholder has additional questions, our representatives can be reached at
************.
Customer Answer
Date: 07/31/2025

Complaint: 23642565

I am rejecting this response because:

Sincerely,

****** *******
Customer Answer
Date: 07/31/2025
I was asked to be put on a hardship plan because I wasn’t working and diagnosed with cancer and have had several surgeries , treatment and blood transfusions and still managed to pay 100 a month …. The account is closed and it was origin**** a charge for 3400 and after two years of making payments on a hardship plan I still owe 3200 dollars so all the payments went to interest and late fees ……
in good faith I would like to make a settlement and pay the remainder I owe which should be not much more than 1000 dollars but not continue to pay and the original amount doesn’t go down please help me figure this out
Business Response
Date: 08/08/2025
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 attempted to reach out to the cardholder
but were unable to contact anyone. We are happy to discuss settlement options
if our cardholder would like to give us a call, our representatives can be
reached at ************.
Customer Answer
Date: 08/15/2025

Complaint: 23642565

I am rejecting this response because:

Sincerely,

****** *******
Customer Answer
Date: 08/15/2025
spoke to Vive Finacial and they know I contacted bbb for a dispute out of the total 3300 that was origin**** charged they told me with payments the last two years that I had paid 2200 dollars so I should only owe little over 1000 dollars …… the balance still on this account is 3200 and they are saying there were late charges and late fees so the balance never went down I kept in contact with them as they knew I was diagnosed with cancer and under Sloan K care thru the two years that I was still making payments ……. I tried to resolve this several times with them but they will not come to any agreement with me at this point they want full balance ….

I have asked serval times to speak to someone higher or a supervisor and nobody calls me back …..

Please help me out with this
**** *******
************
Business Response
Date: 08/18/2025
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 had a supervisor reach out to our cardholder today, but we were unable to reach them. Please have them give us a call back at ************.
Customer Answer
Date: 08/18/2025

Complaint: 23642565

I am rejecting this response because:

I spoke to Vive Finacial and they know I contacted bbb for a dispute out of the total 3300 that was origin**** charged they told me with payments the last two years that I had paid 2200 dollars so I should only owe little over 1000 dollars …… the balance still on this account is 3200 and they are saying there were late charges and late fees so the balance never went down I kept in contact with them as they knew I was diagnosed with cancer and under Sloan K care thru the two years that I was still making payments ……. I tried to resolve this several times with them but they will not come to any agreement with me at this point they want full balance ….

I have asked serval times to speak to someone higher or a supervisor and nobody calls me back …..

Sincerely,

****** *******
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 one of our supervisors did get in contact
with the cardholder to go over financial relief options. The customer is
currently on a Permanent Hardship program which lowers interest rate and
monthly payments. We have also offered to settle on the account for a fixed
balance less than the current outstanding balance which was rejected by the
cardholder. At this time we have offered the options that we have available to
the consumer. If our cardholder has any addition questions, our representatives
can be reached at ************.
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 **** ********

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