Fortiva Reviews 

Wow, what can I say. This place is horrible. I cancelled my account online and did not see (have screenshot) any notification about signing any document. I get an email a year later about an annual fee. They are claiming my document was sent, and I never received the document. Most likely due to our family moving after military retirement. Or my post office losing it like they do everything else. They cannot give me the address it was supposedly mailed to. If this company was legitimate they would just see this as an error or miscommunication and write it off. Especially since the account was cancelled online and had a zero balance. They are harassing me via email. Stay far away from this business if this is how you want to be treated. Bad customer service. Would actually give negative stars. It is an ongoing ordeal apparently they are going to shake me down for their annual fee... There are not many businesses today that try and trick you into paying an annual fee by not allowing complete online cancellation. Weird. Seems fishy, like they are somehow putting that in the fine print of the account creation so they can try and bill you more money.

HORRIBLE company with Horrible agents working for them. I paid off my account and they’re still taking money out of my bank account! When you communicate with an agent through chat and they don’t want to fix the problem-they literally get snappy and just disconnect the chat! Had to go through 5 different people to get a resolution. NEVER USE THEM FOR ANYTHING!

These people are straight scammers they need zero stars and should not be able to run a business them or vivant they lie about the service and take your money put you on auto pay without your consent tell you one price bill you for another say they will change it never do then when you call back oh the bill had already went out it will change next month same story the next month and the next just take your money and lie imq reporting them and vivant they are ridiculous

DO NOT DO BUSINESS WITH THIS COMPANY!!!!
1 star is the minimum rating, unfortunately.
Wife paid the card balance IN FULL with a single payment of ~$1800 and they took TWO payments of that amount out of our account a week apart and closed the card. She finally spoke to a rep, they said it's in review and should have a response in 3-5 days. Two weeks later, it's 'still in review' and will be 7-10 business days for a refund of the ILLEGALLY and ERRONEOUSLY withdrawn amount. This company is GARBAGE and should be investigated by the FTC. I intend to file a complaint with the FTC's Bureau of Consumer Protection and my state's Attorney General's Office Fraud Hotline.

This company is fundamentally incompetent. No matter what account I use, they can't manage to process my payment properly for more than a month or two without telling me the payment is late. I'm tired of wasting my time and having to contact them every couple of months, so I pad it off in full.

Im being charged $316 in interest for defective furniture that was returned to Furniture Row and replaced with something of a lesser value. I would not complain about paying fair interest but being billed for something I don’t even own is just WRONG

Closed my account for no reason.

Got a letter stating they closed my account due to unexpected activity/fraud. But no one ever called me about anything suspicious. They can just block transactions or don't allow a charge if something looks suspicious. Call me or something and ask. Yet, they just close the account. This is how they treat their customers. Maybe they are in financial trouble or something. Who knows. But I won't ever do business with Fortiva ever again.

Would give negative stars if I could. I made the mistake of joining them about two years ago for a procedure. I was working at the time and paying it off as I went. So payment wasn't as much of a problem for me. Then suddenly, around this time last year, they closed my account without notice. No explanation. Nothing. After going radio silent for a year, not only is someone now contacting my DAD about the payments. They even discussed my balance with him which is completely against FDCPA regulations! I don't know how they got his number as I don't see it offered anywhere in my account. I'm currently unemployed right now. I CANNOT pay that balance and I refuse to get anybody else dragged into my problem. The customer support is also really terrible. They never answer my questions. Just give me the runaround. AVOID THEM IF YOU CAN!

My mom being the brilliant senile coot that she is decided on getting a home depot credit card for a $20 purchase. A year later she gets a $60 annual fee. She paid it off and closed the account. Now she is still getting charged for no reason.

I purchased some items on credit from Fortiva through Guitar Center. Fully paid everything off well ahead of time. Didn't think about Fortiva again for over a year. Suddenly receive a bogus "service fee" charge close to 100 dollars. Then when I failed to pay it on time because I didn't even realize what happened, they tacked on an extra 60 dollars in late fees. Everything was fine until this. My suggestion to you is if you're desperate to buy an instrument at Guitar Center for some reason and you must go this route... Pay it off quickly and CLOSE YOUR ACCOUNT immediately! This kind of dishonest small print "gotcha" business practice should be ILLEGAL! They know hardly anyone would even know this charge was coming especially after a year of inactivity on an account. If I didn't catch it they would have just kept tacking on fees and charges endlessly. The lady on the phone knew it too. Her tone was like she hated her job and knew I got ripped off. This company is a thief and probably now I'll take a hit on my credit score because I ever dealt with them at all! Avoid!!!!

They have horrible customer service and charged $4k for the security equipment. Can’t understand the live agents 😞.

I’ve had this account for some years now. Suddenly I am being charged a monthly fee. There are absolutely no perks with this card and with no cost to them to have me as a client it is simply not justified. The customer service agents are rude and hard to understand. I closed my account as they are unwilling to discuss these fees. Stay away from this card

Partnered through Vivint. Vivint won't tell you the prices of each security equipment and finances everything though Fortiva. They don't make people aware that the Fortiva account has a $4000 credit limit and will rack you up with $4000 worth of equipment so you reach maximum credit utilization within minutes of becoming a Vivint/Fortiva customer. My credit dropped from the 700's to 635. YEARS OF BUILDING MY CREDIT FOR IT TO GO TO CRAP.

Not only do I not carry a balance on my cards, I feel it is unnecessary for any credit card company to charge a monthly maintenance fee. What are you maintaining, an account with a zero balance. Not only that, they increased the amount from $5.00 per month to $7.25 with no written notification of the increase. I had a high credit limit, but cancelled the card anyway. Who needs that crap. I recommend Capital One over Fortiva every time. Don't waste your time with this credit card.

Credit card info was stolen when i ordered some soap online. Whoever stole my info ran up $825 in charges. And it’s been 2 months and they still haven’t resolved the issue a lot of paperwork and a lot of BS. It’s like pulling teeth with these people I’m just gonna pay it take a loss and hope that they reimburse me my money terminating this trash ass card!!!

Worst Credit provider and worst service ,
They Add charges such account maintenance fees , Credit increase fees without informing us or giving us any notice .
Also disputing fraud transaction with them is a lot of paper work .
Closing our account with them caused hit on my credit score dealing with Fortiva is just a loss in everyway

Terrible payment options! Every credit card company allows you to set whatever amount you want for auto monthly payments. Not Fortiva. They only allow minimum or full balance payments. Let’s get with the times now

So few weeks back I rented a car and then I got really sick and I ended up having to keep the car because I live way out in the country so I contacted budget and they told me I would only be charged for the daily but when I returned the car they charged me several hundred dollars more for late fees and all kinds of other stuff, so I realize I'm over my limit with fortiva and just got some other bills out of the way so I can start paying down my fortiva and I get a notification on my credit that there's been a change, I contact fortiva and without any kind of warning or notice of any kind they just canceled my account! Mind you I don't have any late payments on any of my credit cards! That's just bad business!! I told them I was in the process of trying to get some of that money back from Budget and I also would be paying it down then she informs me my account was closed on the 10th of May. Unbelievable!!

If you can stay away from this card high yearly fees monthly charges and they will send u stuff in mail for credit limit increases when you call them they say nothing about it company us a joke everyone you talk to has a middle eastern voice like i said if you have to have a card ok if not stay far away

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.