Fortiva Reviews 

The reviews have made me very nervous, should of did my homework. I am trying to make a furniture payment for the first time, and I can't even login! Called on the phone for help and they hung up the phone. I am going to pay this off real quick, and hope I won't have any problem with them!

HORRIBLE CUSTOMER SERVICE!!! Simply wanted to add my card to Apple Pay. Over 4 phone calls, 1 disconnect (without provocation), multiple layers of identity verifications and over 2-3hrs of combined time dealing with their team, the issue is still not resolved. ANYONE ELSE BUT THIS COMPANY!!! VERY REASON WHY SO MANY ARE PUSHING FOR AI!!! GET RID OF BAD CUSTOMER SERVICE AGENTS!!! --- File a complaint with BBB and CFPB to get proper service.

Horrific company and customer service. They took a double payment and refused to refund it. Spoke to multiple reps who lied to me continuously saying the date Id get my refund only to discover they kept more than half of it. Spoke to four different reps. I finally deleted my account and refused to use their payment portal when speaking to a second manager who promised me a call back in 2 business days that of course never came. Do not recommend. Finance a different way.

Holy crud where do I start?!? There intrest is crazy high, when fraud happened and truly transpired they wouldn’t clear the investigation because I had logged on and payed my credit card bills monthly but I never downloaded the statement, so I didn’t recognize reoccurring charges for a few months, apparently until a few had accumulated and by then. The investigation unit said well u logged on to the app so u should have seen it. I just processed payment sir not looking at my statement but whatever call me a Karen for bringing this to your attention.
Also expensive $12.50 monthly maintenance charges and what does that do for me when asked. No answer. Trash of a credit card. They are well aware I would leave this and didn’t care. Zero pride in their customer service and you’re lucky if you get someone you can actually understand!!!!!
ZERO RECOMMENDATION !

I am extremely dissatisfied with Fortiva and their customer service. When attempting to discuss billing issues, I was treated as if I had committed a serious offense. I have been making timely payments on my credit card for several months, with a consistent payment date around the first of the month. However, without explanation, Fortiva changed my payment due date to the 20th of the month, resulting in an unjustified late fee. Despite my requests, they have refused to revert to the original payment schedule. As a result, I intend to settle my outstanding balance and close my account. Furthermore, I plan to file a formal complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Better Business Bureau (BBB) to caution others about the company's business practices.

Worst cc I’ve ever had. This company is horrible and they make it so unbelievably difficult to file a chargeback complaint. All other cc that I have I can do it all online or over the phone. This company sucks beyond belief and their customer service is beyond bad. 0 stars.

Fortiva is such a piece of crap company. I got enrolled in paper statements without asking for it which charged me two dollars a month. I called and said hey I didn’t do this and they unenrolled me but by the time I got to it four months had gone by and they basically called me a liar, that I asked for it when I didn’t, and said they wouldn’t refund the eight dollars. And then the manager that I spoke to stayed on the line at the end of the call so that I would hang up first so that I couldn’t do a survey about how badly I was treated. Additionally, their customer service reps are clearly from India, and you can’t understand half of what they say because their accents are so bad. I officially hate this company now. Try to avoid them because they completely Suck and don’t care about customer service.

Unfortunately this is now the second time I have left a review for these people. It has been nothing but issues with Fortiva. My first experience with them was when I first signed up for my Vivint alarm system, my credit was “ran” to look for deals which was a complete lie as I found out they opened a line of credit without disclosing it until it was approved. Luckily I spoke with someone about that and was credited for that. Fast forward to November.. I changed my form of payment as my debit card expired and they did not notify me that my payment did not go through until days later resulting in late fees even though I changed my form of payment in their system to my checking account. Now we get to December…I had auto payments set up and the payment never came out so I made a manual payment so it wouldn’t come out late (not fault of mine it was their system). And all of a sudden I get a duplicate payment that overdraw my bank account. I call Fortiva which they refunded the money but they wouldn’t refunded to my checking account they are sending it through the mail which will take 21 DAYS!! To get my refund! You have got to be kidding me?? This has probably been the worst company I have ever experienced. If you can avoid using them..by all means stay clear away they make payments and refunds a nightmare.

Appalling and disgusting company. We paid our couch off in September of 2024 and they’ve charged us $30 per month since and by the time we pay it off they’ve already charged us again. They also charge $2 for paper statements. Worst credit company I’ve ever dealt with.

I would rate this company a -5 because they will not give you any grace period for your account and the late payment fee is very high at $41. You can’t even talk to a live rep except through chat. Crappy company and very high interest rates on loans 39%

If I could give zero stars, I would. This company has been nothing but a headache. My account was wrongfully closed due to their own errors with payment information, yet they tried to make it seem like it was my fault. I provided the correct information, made payments on time, and still had to deal with their constant misinformation and lack of accountability.

Their customer service is terrible no one gives a clear answer, and each person says something different. Instead of fixing their mistake, they closed my account and created unnecessary stress.

This company needs to take responsibility for their own internal errors and stop misleading customers. I would NOT recommend them to anyone.

Haven't used this credit card for 2yrs. 1400 available credit, they quit sending me email notices,now send to messages. 600 in fees this year alone for supposed monitoring. Waiting for card to be canceled by company so it doesn't affect my credit score. But they keep activating charges so I am unable to do that. Horrible card.

I used Fortiva to cover the cost of a security system and install from Vivent. I made payments for several months and then paid the balance in full. I took a picture of the bill that showed the balance and the payment for that balance. They still tried to say I owed them money the next month! They said there was another purchase. There was not and I called Vivent and had them send me a full purchase history that proved nothing was bought after the install day. I had to have my lawyers go after them. I advise everyone to not use this company for any loans. They will rip you off and you will have to hire legal help. Please take note of all the negative reviews for this company.

Predators and pirates. This is the worst credit card company ever. They report you to the credit bureau wrong. Even if your balance is decreasing and you pay on time for some reason, you lose points with the credit bureau. They change your password so you have to reset it almost every time you want to login. Avoid these people 100% if you care about your credit. They punish you for doing everything right. They don’t send you emails. And it’s hard to see what’s going on.

These people are adding fees that are not legal. I have a new account opened up with them which is not legal. They opened it without my permission. I have reported this to the US government who I work with. I also know there are so many more people that are being defrauded by this company. I have brought this to the United States attorney's office for them to investigate this company thoroughly. I will not make another payment until I hear back from the United States government.

I received a letter from them saying that I had tried to apply for a credit card, which I had not. Fortunately, I have my Equifax account locked which prevented this from taking place. When I called to report this to Fortiva, they refused to work with me unless I gave them my social security number to verify myself which I would not. I would strongly recommend avoiding this company.

I gave one star because I had to. This has to be the WORST Customer Service I've encountered. We have been jumping through hoops to get a freaking pay-off letter to pay off the account. They keep saying it will come in 3-5 days (for a simple email generated letter) and nothing!!!!!!!!!!!!!!! I get companies don't want their loans paid off early the way they toss you around give you an excuse for not sending what you need at every turn is complete BS.

DO NOT , I REPEAT, DO NOT get this card. hidden fees plus customer service sucks . I paid off my cards and stop using the cards, well they don't tell you that you get charged a MONTHLY $15 account maintenance fee that's $180 per year PLUS the yearly account fee... interest rate is hard I asked to chat with a live huma, it told me I was chatting with a human but it was a robot over and over

Customer service representative was very dismissive and rude. He refused to give his name when I requested. I would not recommend this credit card company.