Fortiva Account Center

Yeah, so I had the opportunity of having a credit card through these scam artists starting off with a $400 limit ending at an $825 limit kept making the payment kept making payment. I did miss a couple because I was off work and couldn’t make the payment. Got the $400 balance paid down, but it wasn’t reflecting back toward the limit. I called today for them to tell me that they closed the account and if I wanted a card, I’d have to reapply. I had no notification that the account was closed until I called today nor did I ever have any notification that they raised the limit every time I open the app it showed I had a higher limit so my advice to anyone using this card get it paid off don’t miss a payment or they’ll close the account and cancel the card and don’t use them ever again they are a scam. -10 stars if that was an option.

I had to babysit this card for a while. They enjoyed marking my account "inactive" and I needed to call 3 times in 5 weeks as I was being declined with a large available credit. No reasoning really either- Facebook charges my account daily during ad campaigns, Fortiva decided it "looks fraudulent", that the largest advertising platform in America is charging me for advertising --- Another, I changed my phone number.. Needed to call again because it "looked fraudulent", that I changed my number. I finally called them and told them I'm done with their garbage and am closing the account. They agreed to use common sense from now on so I agreed to continue using their services. Since then, maybe 8 months ago, the card seems to work MUCH better now that they leave it alone. They also charge you for a credit limit increase. Yes, you get a credit limit increase like normal...then they charge you for it. Other than lackluster customer service and dumb policies, the card itself isn't too bad. My card isn't damaged at all but for 6 months I can't use it in person other than at a handful of stores. It reads "chip error", then declines the slide. I did let them know and no offer was made to replace my defective card - it worked great for about a year, now I don't even carry it because it's anything but reliable. I do recommend it and the people I know who have gotten the card haven't had any issues that I know of.

Steer clear from this credit card and if you already have one make sure you remove your “automatic payment” method immediately. Especially if you’re using a banking account and routing number as one of your sources of information on file. They will take a large payment from you any time they choose to and claim you gave them a call and made a payment from your own phone number over the phone. They did this to me, claiming I made a call to them on a Sunday, and made a payment of $1,145. I never call credit card companies to make payments and already had paid my bill for the month. They refuse to return the funds and I had to officially file a dispute (as advised by my banker to do) at the Bank of Missouri and the State of GA. Trust me! The app is sketchy! And no I haven’t been refunded yet.