First Portfolio Servicing Inc.

My account has been restricted since XX/XX/year>. I already submitted documents needed so they can update my contact information which was successful but now they have restricted my account AGAIN by not letting me use my card. They have my documents on file. Everytime I call their useless supervisors all they say is they will escalate it but nothing happens. Please help me XXXX restrict my account.

Ive asked about everything I can do the balance keeps going up Ive asked about information about any and everything they can offer they are being really difficult to work if Im honestly fed up with it am tired of dealing with it as far as Im concerned they can go unpaid I have a minimum of {$160.00} due XX/XX/XXXX I dont have that money its been to everything else that needs paid I honestly have called multiple times over and over about different inquiries and options I can think of I honest to god have tried my best Im doing the best I can it can be overwhelming I am low income as well but I have been seeking any help I can get

I am writing to formally dispute the following item appearing on all XXXX credit reports, which I have determined to be inaccurate and unlawful : Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount Reported : {$550.00} Date of Charge-Off : XX/XX/year> Reason for Dispute : XXXX. DEBT WRITTEN OFF AS A LOSS I submitted IRS Form 4506-T and obtained the 1099-C associated with this account. The issuance of a 1099-C confirms that the creditor has already written this debt off as a profit and loss, effectively canceling the debt. A creditor can not cancel a debt for tax purposes and simultaneously report it as an outstanding obligation on my credit report. This is inconsistent and constitutes an inaccurate reporting. XXXX. LOSS OF COLLECTION RIGHTS UPON SALE TO THIRD PARTY Once the original creditor sold or transferred this debt to a third-party debt collector, they relinquished all rights to collect on that debt.…

The last time I used my credit card was on XXXX. I noticed some charges on my account some time after from XXXX XXXX totaling {$290.00} dollars. The charges were made on XXXX XXXX different charges on the same date. I was never notified by Total Visa to ask whether or not I made the purchase. They obviously didnt see anything wrong with XXXX different charges made to account to warrant suspicious activity. I reached out to them and they were very unhelpful and uninterested in resolving the matter. They even told me about a transaction I never reported and told me that they seen I had logged into my account several times and didnt mention the charges before I discovered them. I have about XXXX credit cards and I log into mobile apps periodically to make sure Im keeping up with billing and statement dates. I dont necessarily look at my transactions if I dont notice anything.…

I paid a {$95.00} program fee XX/XX/year> for a Total credit card with a credit limit of {$300.00}. XX/XX/year> I called the company to ask when I should be expecting to receive my card. They told me that my car was sent out XX/XX/year> before the account was even active. However I never received a card until today XX/XX/year> only to find out that I have a balance of {$300.00} that needs to be paid. Im not understanding how I have a balance on a card I am just now receiving. I have spoken to multiple people from the company regarding the situation and they are not at all trying to resolve the problem. So I am reporting them as being fraudulent.

I updated my address due to relocation and the company closed the account. I called customer support to ask the reason for the closure and all I was told is that I requested an address change. I then asked for a reinstatement and was told that the account was not eligible for reinstatement. This hurt my credit and caused a delay in my home buying process

I am filing this complaint regarding a vehicle loan serviced by Vervent and originally obtained through XXXX XXXX XXXX XXXX I purchased my vehicle on XX/XX/year>. Within approximately one week of purchase, the check engine light came on and the vehicle began experiencing ongoing mechanical problems. I repeatedly reported these issues and brought the vehicle in for repairs under the warranty provided at the time of sale. Despite multiple repair attempts, including repairs that required parts to be ordered on several occasions, the defects were never properly resolved. The vehicle continued experiencing problems, including warning lights and performance issues, causing me significant inconvenience and financial hardship. I incurred additional expenses while attempting to keep the vehicle operational and continued making payments on a vehicle that remained defective.…

I paid off my credit card on XX/XX/year>. I was told my card is restricted for 30 days due to a return payment in XXXX. I can not sue car for 30 days. So I asked was this legal and do they have documentation to prove this. They responded by saying they do not and can not email anything to me. That is against the law to make up rules on credit cards.

I submitted a dispute that was denied because I logged into my online account. My wallet was lost and I logged on and noticed my card was used so I reported charges. The dispute was denied because my account was logged into. How else would I see the charges if I did not log in.

On or around XX/XX/year>, my auto loan was transferred from the original dealership financing company to the current lender. Since the transfer, the account has shown a past-due balance of approximately {$1100.00}. I have made regular payments of approximately {$410.00} every two weeks and have receipts documenting these payments. On XX/XX/year>, I contacted the lender regarding the past-due balance. During that conversation, a representative acknowledged that the company could see the payments in their system but stated that the account balance would not be updated. Since then, I have requested clarification and correction of the account balance and have provided proof of payment. Despite this, the account continues to show a past-due amount. I was informed that a supervisor would contact me regarding this issue ; however, the call has been delayed, and there has been no further communication from the company.…

Re : Account Number XXXX To Whom It May Concern : I am disputing your reporting of the above-referenced account. Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), furnishers of information have obligations regarding notices provided to consumers. I have never received any notice, correspondence, or communication from your company concerning this account. Therefore, I request that you provide : Copies of all notices allegedly sent to me. The dates such notices were mailed. The address to which they were mailed. Proof that the notices were actually sent. Documentation showing your compliance with all applicable requirements of the Fair Credit Reporting Act. If you can not provide evidence that the required notices were sent and that your reporting is accurate and verifiable, I request that you immediately delete the account and cease furnishing information concerning this account to any consumer reporting agency.…

XXXX 1,2026 Credit Institution : XXXX XXXX XXXX Revvi / Total Card Inc.Product : Credit Account number ending XXXX XXXX : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) ; Withholding of unearned fees following a creditor-initiated account closure. Statement of Facts and Timeline : I am filing this formal complaint against MRV Banks ( operating as Revvi ) for deceptive billing practices, providing conflicting and impossible verification instructions, and unlawfully withholding a {$120.00} annual fee for services they intentionally refused to provide.I have maintained perfect compliance with my account terms, yet the bank has backdated an account closure and provided fraudulent justifications to keep my money. The exact timeline of events is documented as follows : XX/XX/XXXX2026 : I opened the account, paid the required {$95.00} program activation fee, and used the card responsibly.…

I received an offer for a new total select credit card so I accepted the offer. They mailed me the card and II received an offer for a new total select credit card so I accepted the offer. They mailed me the card and I tried to set it up online and it would not allow me to set it up online. I called and asked them why I could not link the account. They said it just wasnt able to be linked and I said well then I dont want the card because I do everything online on apps on my phone I can pay my other Total credit card online. Why cant I not pay this one? I ended up getting charged {$75.00} and when I close the account because I could not use it I was told I was going to get a refund for it. The refund never showed up. I just called and they said that they were not going to give me back my {$75.00}. It was for an annual fee.…

I am formally disputing the late fees, delinquency reporting, and payment processing practices associated with my Total Visa account. For years, I maintained a positive payment history on this account. Despite numerous requests for a credit line increase, my credit limit remained unchanged. More importantly, I have experienced ongoing issues with payment processing and autopay administration. On multiple occasions, I attempted to pay the account balance in full. Each payment submission generated a confirmation number indicating that the payment had been accepted. Sufficient funds were available in my bank account at the time each payment was submitted. After receiving payment confirmations, I was later informed that the payments had allegedly been rejected by my bank. I contacted my financial institution and was advised that no such rejection had occurred and that sufficient funds were available. Despite this, late fees were assessed and negative credit reporting followed.…

Company : Total Visa Issue : Credit card fraud / billing dispute / improper investigation Complaint : I am submitting this complaint regarding multiple charges on my Total Visa XXXX XXXX account that I have repeatedly reported as unauthorized. This balance as of XX/XX/XXXX is {$690.00}. I initially reported these charges as fraud, and on or about XX/XX/year>, the company acknowledged the issue by closing my account. In their written correspondence, they stated that only any undisputed balance would be transferred to a new account after review. However, instead of resolving the disputed charges, the company transferred the full balanceincluding all disputed transactionsto a new account without properly completing the fraud investigation. Since that time, I have submitted multiple fraud claims, all of which have been denied.…

I have a new email address and phone number. I sent Total visa the information they wanted 7 times. They locked my card and will not get back to me. My balance is XXXX but they still owe me {$130.00} in credit for a refund I have coming to me. They are being discriminatory and trying to not giving me my refund.

One day after buying the car, I noticed there was a leak when I took it to the car wash. That same day, the check engine light came on. In addition, they delivered the car to me extremely dirty, even with spoiled food inside. Upon realizing all these problems, I wanted to return the car and get a refund, but the manager flatly refused, claiming that he could not do that, only help me with the 18-month warranty. I only used that warranty that week, and they delivered the car in the same condition. After that, I called again to use the 18-month warranty in XX/XX/XXXX, and no one answered the phone numbers. In XX/XX/XXXX, they answered saying that there was no longer any warranty for any vehicle since the new company VERVENT, only handles collections, so any repair was at my expense. To date, the car has presented multiple failures that can not be fixed because the car has security seals.…

On XX/XX/year>, I authorized an ACH payment to Total Visa using my XXXX XXXX XXXX XXXX account. Between XX/XX/year>, and XX/XX/year>, fraudulent activity and identity theft occurred on my XXXX XXXX XXXX XXXX account. Due to the fraud, I was forced to close the account. At the time the account was closed, I left funds available to cover the ACH payment ; however, ACH fees and overage charges reduced the balance. In XX/XX/year>, I resent a payment of {$200.00} to Total Visa. My Total Visa account is now suspended for 30 days or until I submit a bank statement showing my name. I also currently see a {$0.00} balance on the account.

I made a payment for my First Access Credit Card, and it posted on their site on XX/XX/XXXX. Normally, when a payment is made via a checking account, it takes a few days for the credit to be available. This payment was for the full amount of XXXX dollars, which is my limit, and they have not updated my available credit. They claim that since it was such a large amount, I would have to prove it is my bank account before the restriction would be available. I have now sent them bank statements showing the amounts cleared by both fax and email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but still no resolution. Each time I call, they claim I have to wait until the " back office '' looks at it before they will release the funds. We are now 18 days later, and I still do not have my available credit, and I dont feel they want to resolve this matter since I have called them on at least five different occasions, including speaking to supervisors.

I am filing this complaint against XXXX XXXX XXXX XXXX and its current administrator, Vervent, due to predatory billing and breach of contract during their XXXX XXXX reorganization. As of XX/XX/XXXX, I have paid a total of {$13000.00} on my auto loan. My current outstanding principal balance is {$21000.00}. Despite maintaining continuous private insurance since XX/XX/XXXX, and providing proof of coverage multiple times, the company has unjustly charged me {$520.00} in XXXX XXXXXXXX XXXX XXXX XXXX XXXX fees. Furthermore, the official amortization table provided after the servicer transition shows an unauthorized bi-weekly payment increase from the contractual {$270.00} to {$350.00}. This {$74.00} surcharge is a unilateral modification of my original agreement. I have made multiple attempts to clarify these discrepancies through their new portal XXXX XXXX XXXX, but the company has remained silent, failing to acknowledge my insurance compliance or correct my balance.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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. 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.…

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…

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.…

My Total Visa credit card : XXXX is lost/stolen. I want my Total Visa credit card account permanently closed.

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.…

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