First Portfolio Servicing Inc.

I was contacted by a person named XXXX stating she was with a law firm stating that she has a case opened from Total Visa and they have a court date for me and that I will have my wages garnished 30 %. I told her that I will contact the nc Attorney Generals office and report her for harassment and she said what are they gon na do? She then contacted my father and harassed him which was completely unacceptable. I have blocked the number and told my father to do the same. They have been repeatedly calling me and leaving me threatening messages. The number they are calling from is XXXX.

I tried paying my bill as normal with my debit card and couldn't where toal visa I believe is doing illegal corruption and framing and going by some detective illegal orders which I talked with XXXX on XXXX XXXX which he illegally came up with some false information. Than today XXXX XXXX I talked with XXXX at XXXXXXXX XXXX a supervisor that lied and illegally sent a passcode to my phone when I was already verified which someone may have reset my password on line illegally and may have illegally edited my middle initial than I talked to XXXX at XXXX a supervisor that couldn't come up with anything at all which the calls are recorded and I told them that the real FBI can get the recordings legally if they are doing corruption and framing also I talked to XXXX which she lied said the card was restricted than said no also said she couldn't tell me my payment history at XXXX XXXX XXXX which I also called back and than another representative came up with illegally saying collecting a debt…

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I. Subject of Complaint This is a standalone dispute regarding a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the fraudulent business practices of XXXX XXXX ( XXXX XXXX ) and successor servicer Vervent Inc . The consumer is a XXXX XXXX XXXXXXXX veteran victimized by a criminal enterprise currently under federal indictment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX. Factual Basis for Audit : Title Fraud & Failure of Service The consumer asserts the underlying retail installment contract is void due to premeditated administrative fraud : Official Notification of Title Rejection : Evidence ( Notification of Title Transfer Rejection, XXXX XXXX XXXX, XX/XX/XXXX ) proves the dealer attempted to register the vehicle with fraudulent mileage data. The state REJECTED the title.…

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I have a Total Visa card. I made my payment before the due date and received a confirmation from the credit card company. Then after my due date they sent a message saying that my payment was late. I checked my account and found a late fee of XXXX dollars had been charged to me. I called and they said the payment didn't clear. I checked with my bank and verified that they never submitted my payment. I think that was intentionally done so they could tack on fees. I believe this company is predatory.

I am filing this complaint against Vervent , Inc. regarding an alleged auto loan account they claim was transferred from XXXX XXXX XXXX. I dispute this account in its entirety. On or about XX/XX/year> I sent Vervent a written dispute and request for validation of this alleged debt. In that correspondence, I requested documentation including proof of ownership or servicing authority, a copy of the original signed contract, a complete payment history, and documentation showing any assignment or transfer of the account. I did not receive any response. On or about XXXX XXXX I sent a second written notice through email again disputing the account and requesting validation. Vervent again failed to respond. To date, Vervent has not provided any documentation validating this alleged debt, nor have they demonstrated that they have legal authority to collect.…

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Caller answered phone as XXXX XXXX. Told me I needed to pay this or they were filing lawsuit today. Asked what it was for he claimed it was for XXXX XXXX XXXX This account was settled and removed from my credit almost a decade ago due to fraud. When I asked for the company name the caller grew agitated and started saying he was trying to give me a way out and if I didn't want to pay he could file everything today and I could bring everything to court. I asked his name again. And it changed to XXXX XXXX. I asked for a website so I could look at his company and he again said they could just sue me.

I am filing a complaint regarding a credit card account opened with Total Visa. The account required an upfront payment of {$99.00} to open, which was paid. However, the physical credit card has never been received. Despite this, the company has issued a bill stating that {$41.00} is past due. I have attempted to resolve this issue by contacting the company, but I am unable to access the account through their automated system because I do not have a card number. Their phone system requires an account number to proceed, and I have been unable to reach a live representative. I also attempted to set up online account access, but this was not possible without the card information. I have contacted the company via email requesting cancellation of the account and assistance, but have not received a resolution.…

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Date : XX/XX/year> To Whom It May Concern, I am disputing the accuracy of information you are furnishing to the credit bureaus under FCRA 1681s-2. The account listed is reporting inconsistent and misleading information, including : * Conflicting statuses ( charge-off, late, bankruptcy ) * Incorrect payment history * Failure to properly update after payment Under federal law, you are required to : * Conduct a reasonable investigation * Correct or delete inaccurate data * Report consistent and verifiable information Additionally, under the Truth in Lending Act ( 15 USC 1666 ), I request full documentation of the account and billing accuracy. If you can not verify the accuracy of this account, you must immediately request deletion from all credit reporting agencies. Sincerely, XXXX XXXX XXXX XXXX

I always check and stay up on top of credit reports. I just so happened to check one day. To find out that XXXX XXXX is reporting two accounts on my credit reports as " DEBT BUYER. '' Meaning they have brought this debt from the original creditor to collect. Which is illegal, violated my rights, and sold my personal information to another company including my Social Security Number to collect on debt I don't owe them. They have not provided the following paperwork to validate : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including any fees, interest, or charges. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that your agency is authorized to collect on this debt. 5. A copy of any agreement or contract bearing my signature related to this debt. Til this date. They have not sent anything to email or written to my mailing address. I called, I was denied and last call they hung up in my face.…

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I am submitting this complaint regarding Revvi Card Services and the inaccurate handling of an account that was included in my XXXX XXXX bankruptcy. This account was charged off prior to my bankruptcy filing and was included in my XXXX XXXX case. Despite this, the response I received from Revvi states that their reporting is accurate based solely on their internal records, without acknowledging or addressing the bankruptcy. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report information accurately. Once an account is included in a XXXX XXXX bankruptcy, it must be reported accordingly, typically as Included in Bankruptcy with a {$0.00} balance, and must not reflect a past due or collectible status. Revvi failed to conduct a reasonable investigation by ignoring the legal status of the account following my bankruptcy.…

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Since approximately XXXX of last year, I have been in ongoing communication with the company regarding my auto loan. During this time, I have repeatedly requested clear and complete information about my account, including my balance, payoff amount, and overall loan status. The company has provided some information during this period. For example, a payment history was previously provided, and another updated payment history was sent in XXXX of this year. However, despite these partial responses, I still do not have clear and consistent information regarding my full loan details. The main unresolved issue is related to a deferment. I was informed by the company that I qualified for a deferment, but I have never received any deferment agreement or official documentation. When I follow up regarding this, I continue to receive unclear or inconsistent responses, and the issue has not been resolved.…

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I entered into an auto loan promotional payment agreement originally established with XXXX, where my monthly payments were automatically scheduled and withdrawn from my XXXX XXXX bank account. I complied fully with this payment arrangement, and all payments were made as scheduled under the original promotional structure. The loan servicing was later transferred from XXXX to XXXX. After this transfer, the new servicer has not honored or recognized the original promotional payment agreement established with XXXX. As a result, my account is now being reported as delinquent, and additional interest, fees, and charges are being applied based on this incorrect classification, despite my full compliance with the original payment schedule. I have contacted the company requesting a full explanation of my account balance, a detailed itemization of all charges, and clarification of why the original promotional agreement is not being applied.…

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On XX/XX/year> I received an email stating that my application for the Revvi credit card was denied. By this time I had already paid the upfront program fee that is asked before you can open or use their card. ( I have not received there card yet ) Account was never open or used as its been denied. I have spoke with them twice on the phone and they told me that a refund has been initiated and allow XXXX business days. It has been and still nothing. Last time I spoke with them was on XX/XX/year> and when I asked them for the XXXX number for the refund. They told me that they do not have it. Please help. Thank you

Complaint : I am filing a formal complaint regarding inaccurate and unverified reporting on my credit file. The account listed as Revvi XXXX XXXXXXXX XXXX with a balance of {$520.00} is being reported without proper verification and violates : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct proper reinvestigation Additionally, if this account resulted from identity theft, it must be blocked under 15 U.S.C. 1681c-2. I have disputed this account directly with the credit bureaus, yet it continues to be reported without sufficient documentation. Resolution Requested : Immediate deletion of this account Written confirmation of removal Full documentation supporting verification if not deleted Failure to comply will result in escalation including legal action. Sincerely, XXXX XXXX

I was contacted by XXXX XXXX XXXX stating he was XXXX XXXX. He stated I had an outstanding debt for Total Visa in an amount of XXXX ( this is close to the amount ), how would I like to handle that. He threatened me with wage garnishment, and when I informed him I had settled a total visa account and received a paid in full letter. He went on to state that they did not have the right to offer me that low of an amount, and that I should speak to my attorney. I asked if he could verify the original account number so that I could compare and make sure this was the same debt or a different account. He refused and said not to belittle him. At this time I requested to speak to XXXX XXXX who was the person leaving me voicemails and he again refused. He then pressured me to set up a settlement arrangement and give my card information for a settlement offer. I asked again if I could get in writing the agreement before giving my card information. He refused.…

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I was approved for a Total Visa credit card and paid the required {$95.00} program fee on XX/XX/year>. According to the companys terms, the card should have been shipped within a few business days. After not receiving the card, I contacted customer service and was informed that the card had allegedly been shipped on XX/XX/year>. However, I never received the card. During my call with customer service, I explained that I have since moved and requested that the card be reissued to my current address, especially since the representative indicated that a replacement would not be sent until XX/XX/year>. My request to update the mailing address for the replacement card was denied. I also requested a refund of the {$95.00} program fee, given that I have not received the card or been able to access the account. This request was also denied. As a consumer, I have paid a required fee for a financial product that I have not received.…

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Violation of Consumer Rights ( UDAAP & FCRA ) and Unfair Lockout I am filing this complaint because REVVI has engaged in unfair and deceptive practices that have caused severe injury to my credit score. The XXXX : In XX/XX/year>, I updated my physical address via the official mobile app. The bank then locked my account and demanded that I verify the change by responding to mail sent to my PREVIOUS addressan address I no longer had legal access to. This created a " Catch-22 '' that physically and legally prevented me from managing my account or viewing statements. Misleading Service : I attempted to resolve this via phone multiple times. I was misled by customer service representatives who, due to a severe language barrier, could not provide a legal path to account access or address the lockout. Inaccurate Reporting ( FCRA Violation ) : The bank closed my account in XX/XX/year>.…

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Violation of Consumer Rights ( UDAAP & FCRA ) and Unfair Lockout I am filing this complaint because Total Visa has engaged in unfair and deceptive practices that have caused severe injury to my credit score. The XXXX : In XX/XX/year>, I updated my physical address via the official mobile app. The bank then locked my account and demanded that I verify the change by responding to mail sent to my PREVIOUS addressan address I no longer had legal access to. This created a " Catch-22 '' that physically and legally prevented me from managing my account or viewing statements. Misleading Service : I attempted to resolve this via phone multiple times. I was misled by customer service representatives who, due to a severe language barrier, could not provide a legal path to account access or address the lockout. Inaccurate Reporting ( FCRA Violation ) : The bank closed my account in XX/XX/year>.…

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Description of Incident : I am filing this complaint due to unfair and deceptive billing practices by XXXX XXXX. I was approved for this credit card account on XX/XX/year>. Per the terms of the agreement, I paid a {$95.00} Program Fee on XX/XX/year>, which was required before the card could be issued. As of today, XX/XX/year>, one full month after paying the initial fee and two months after approval, I have still not received the physical credit card. Despite not having access to the account or the ability to use the card, I received a billing statement on XX/XX/year>, charging me an additional {$75.00} Annual Fee. I contacted customer service on XX/XX/XXXX and was explicitly promised by a representative that the card would be in my possession no later than Friday, XX/XX/XXXX. That deadline has passed, and I still have no card.…

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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern, I am disputing the following account on my credit report : TOTAL XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} I do not believe this account is being reported accurately. Please verify this account by providing documentation that proves it belongs to me and that the balance is correct. If you are unable to verify this account, I request that it be deleted from my credit report immediately. Thank you for your cooperation. Sincerely, XXXX XXXX

Reevi credit card company refuses to investigate fraud charges on my account. I launched the investigation around XX/XX/year>. They stated that I would receive a decision in XXXX to XXXX days. I was told they mailed a letter at the end of XXXX but I never received it. I called them today to find out what happened and the above mentioned occurred. They claim to have investigated and stated that I was accountable for the charges but won't send me any information on their findings. My bill is currently {$490.00} as of XX/XX/year>. The current bill reflects the fraud charges I am requesting to be investigated. I also asked for hardship help and was told they can't initiate the hardship the computer does that automatically. So my credit rating will be damaged by their lack of assistance. Once I announce I need help, they should provide it. Interest and penalties will accrue until then and ruin my credit rating, which isn't right.

on XX/XX/year> I noticed my information on my account didn't update after I made a payment. I questioned them and they said because I made a payment using a different bank account that they think it's fraud. I assured them that it was me. They asked for a bank statement. I emailed them the statement. I have checked back with them several times and they keep saying they never received it. After speaking with them today, I verified EVERYTHING and resent another copy. I owe them nothing since I have paid off the credit card. I have made two payments to them using the same bank account number and they still will not un-restrict my account. I asked them how long after I sent the second time and they said it could take up to another 5 to 10 business day because they're not sure if my bank cleared the $ $ yet my statement from Revvi credit card shows I owe them nothing. Please help.

To the Consumer Financial Protection Bureau, I am writing in desperation for assistance regarding ongoing harassment and financial distress caused by XXXX XXXX Card. I need urgent help to clear my name and credit report from fraudulent activity that is not my responsibility. While I did apply for a credit card and pay the program fee, shortly after, I was required to travel out of town. During my absence, my cousin, who has a history of defrauding me, gained unauthorized access to my phone, email, mailbox, and personal accounts. She stole my card, activated it, and made numerous charges. I want to be unequivocally clear : none of these charges are mine, nor did I receive any benefit from them. Despite my repeated attempts to explain this situation to XXXX XXXX Card and multiple credit bureaus, I am being held liable. They cite the paid program fee and matching address as proof of my responsibility, failing to acknowledge the identity theft.…

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I am filing this complaint regarding a Total Visa account that is being reported under my name, which I do not recognize and did not open. I recently received a letter from Total Visa stating that a payment was made on this account on XX/XX/scrub> 2026. However, after contacting XXXX XXXX XXXX XXXX ( the agency currently handling the account ), I was explicitly informed that they have not received any payment on this account at all. This presents a clear and serious inconsistency : Total Visa is reporting that a payment was made on XX/XX/year>2026 The collection agency confirms that no such payment was ever received I did not make any payment to this account, and I did not open or authorize this account. Due to this contradiction, I believe this account is either the result of identity theft or is being inaccurately reported. The reporting of a false payment is especially concerning, as it may be improperly re-aging the account and negatively impacting my credit.…

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I am filing a complaint regarding my auto loan account due to an incorrect balance and misapplication of payments. Up until XX/XX/year>, all my payments were made on time every 15 days for {$280.00}. In XX/XX/year>, there are three payments recorded : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/year>, XXXX went through a bankruptcy process. Before and during that time, incorrect charges were added to my account as if I had insurance through them, which I never had. My insurance has always been with XXXX XXXX. Because of these incorrect charges, the amount I was being asked to pay was higher than my actual car payment, which prevented me from making the payment. I attempted to contact the company multiple times during that period, but no one answered the phone. On XX/XX/year>, I was finally able to speak with an agent. I explained the situation and made a payment of {$840.00}.…

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* * XXXX XXXX XXXX * * XXXX, NC Email : [ XXXX ] ( XXXX : XXXX ) Date : XX/XX/year> Subject : Request to Close Total Visa Account and Resolve Balance To Whom It May Concern, I am writing regarding my Total Visa credit card account. After reviewing the interest rate, program fees, and other charges associated with this account, I believe the structure of this account is deceptive and unfair to consumers. A significant portion of the available credit limit was immediately consumed by fees, and the ongoing interest rate and additional charges have made it extremely difficult to reduce the balance. As a consumer residing in North Carolina, I believe these practices may violate consumer protection laws related to unfair and deceptive trade practices. The terms and financial impact of the account were not presented in a manner that allowed me to fully understand how quickly fees and interest would accumulate. Because of these concerns, I am requesting the following : 1.…

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XXXX XXXX XXXX XXXX, NC Email : XXXX Date : XX/XX/year> Subject : Request to Close Revvi Account and Resolve Balance To Whom It May Concern, I am writing regarding my Revvi credit card account. After reviewing the terms and charges associated with this account, I believe the structure of the account is deceptive and unfair to consumers. The excessive interest rate, combined with multiple fees, has made it extremely difficult to make meaningful progress toward paying down the balance. As a XXXX XXXX consumer, I believe the lending practices associated with this account may violate XXXX XXXX consumer protection standards related to unfair and deceptive lending practices. The terms and fee structure were not clearly represented in a way that allowed me to fully understand the financial impact of opening this account. As a result, the balance continues to grow in a way that makes repayment unreasonable.…

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On XXXX, XXXX, XXXX I contacted a representative named XXXX, I explained the situation she waived {$35.00} cents off my account, and had me to pay XXXX XXXX for {$18.00} so the account was finally closed so I thought. XXXX, also gave me a reference number on that day. The reference number is # XXXX.

I requested a XXXX hardship payment deferral ( XXXX XXXX ) on my auto loan due to simultaneous job loss, housing instability, and a serious medical diagnosis. Over XXXX days, the servicer engaged in a documented pattern of deception : XX/XX/year> XXXX emailed me directing me to call Collections, stating guidance on available options would be provided. I called. Representative XXXX verbally offered a XXXX deferral but refused written confirmation and conditioned it on first paying the XXXX balance toward a program he already knew did not exist. XX/XX/year> XXXX emailed me stating : " we do have other options available to help you make your current payments '' then again directed me to call rather than disclose options in writing. XX/XX/year> I followed up in writing demanding written confirmation of those options.…

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XXXX XXXX : XXXX Was already opened and closed. The results were found that my credit card was closed in XX/XX/year> and paid off. I am still recovering a bill from this company after the CFPB reported to me that this same account was closed. I still need XXXX XXXX to closed this account so I can purchase a home using a XXXX home loan.