FortivaReviews of myfortiva.com

had a conversation last month with one of your representatives, making it sound like I would not have a late fee for next month that I will be credited. She neglected to tell me where that money was being credited to which was towards the “balance”. It’s very sneaky and deceiving. I can’t wait to pay the balance off to close this credit card. And if there are something I can write a review so I can warm people about your company about these late fees I will. So if I am a day late on my billing cycle that month, I will be charged a late fee. Next billing cycle I will still be charged and punished a late fee for being late last month. That is wrong. It is a rip off you’re making money off of that from middle class people.

Do not use the app to pay the bill on your account. If you do they will send you a text saying that they have processed your payment only to get a notice weeks later saying that your payment didnt go through. They over a week to process your payment and then blame your bank for the delay.

DO NOT TAKE THIS CARD IF YOU VALUE YOUR CREDIT. This company is a complete predatory scam. All of their CSRs are overseas, untrained and have no authority.

As a credit card, it is not bad technically, but if you want an increase in your credit limit, they will charge you. I recently received a message from them allowing me to increase my credit limit by $100, but they will charge me $19.95 for this increase. That speaks for itself about what kind of company this is. I was not charged an annual fee, but I am not going to waste my time with a company that charges their customers for credit limit increases.

If I could give a negative review I most definitely would. Oh where to begin, well starting off I never received my first bill. So I had to do a double payment on the 2nd one. They keep saying that July wasn't paid but my bank says otherwise. I told them that, then they said well august wasn't paid, well try that again because my bank account says it was paid at this date at this time. So on and so forth until the month we're in. Then on top of that I signed the agreement for 0% same as cash for 12m. But every bill I got in had an interest added on the bill. The most recent one was $1.05. so much for no interest for the contract. Plus, because of their incompetence of not doing the billing correct they hit my credit for 110 points. Trying to get a supervisor is impossible bc they won't give me one. They straight out said we don't have a supervisor or I won't do that. I'm gonna pay off the bill of course but I am going to talk to an attorney bc it seems like to me that would be false advertisement and possibly breach of contract. In my opinion they would be considered as a predatory lender and should be shutdown or fined till shutdown. F these people.

I have a perfect credit rating. I got Vivint security and also got it for my daughter. Yet Vivint wanted my daughter setup under Fortiva which I knew nothing about until I noticed a monthly fee charge of $12.50 as a cash advance fee. I screwed up—I should have done my research before buying Vivint thru Fortiva. Also, no one should trust Vivint. I am updating my review from 1 star to 4 stars. Fortiva helped me update my Fortiva account by using a debit card so that there will be no cash advance fees. I received excellent help on the phone and online by a real person. The main original problem lies with Vivint.

Customer service need a lesson in compassion.

I've had a Fortiva credit card for about a year and a half now. They advertised 'No Annual Fee'. I've charged around $1,100 in the past and never been late and am paying this enormous interest rate of 32%+ now. I have a perfect record with my account. However, they sent me an email saying they're changing their terms and conditions. From now on they will be charging an 'Annual Maintenance Fee' of $60 per year, charged at $5/month whether you have a balance or not! This is to begin in November 2023. When I called to ask why they were doing this to my account (because I had a perfect record of payments) they said they were doing it to ALL customers! They can disguise their new annual fee by calling it a 'maintenance fee' if they like, but it's basically an annual fee. How can you charge a maintenance fee when the account has a zero balance? Maintenance to do what? Nothing! I don't need this. I have other credit cards and I refuse to pay an annual fee to a bank that is already collecting an over 30% interest rate. I called Fortiva credit card and had them cancel my account the day I received the email. Thank God I just recently paid my balance off. They also told me it would take until Nov. 30th to close my account and I called on October 9th. Really? 7 weeks to close my account?? Ridiculous! Now, my credit score has just taken a hit. How? (1) I've now closed an account and (2) I've lost $1500 available credit that added to my total credit availability when figuring my percentage of available credit vs credit debt. I am NOT happy with Fortiva for changing their terms of service. What if I had of ignored the email? How sneaky of them to change everybody's credit card account by adding a fee when they advertised the card as No Annual Fee. Just down right dishonest. Goodbye Fortiva Bank. I don't want to do business with you anymore. I do not recommend Fortiva Credit Card.