ComplaintsforMRV Banks

• Initial Complaint

  08/15/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I had opened a REVVI card ending in ****. I had the account many months, paid on time. However, I had a banking account error with my ACH. Since late July 2023 until last week, Revvi had called me daily, multiple times a day to the point where the police granted me a harassment police report. Non stop harassing phone calls. I have a complaint with the consumer protection department and will be compelled to move to federal agencies. This complaint is about unlawful credit card companies harassing.

  Business response

  08/21/2023

  Attached is our response to complaint.  We have also mailed a letter to the customer.  

• Initial Complaint

  07/28/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Applied for credit card. Paid processing fee. Card arrived unable to activate. Was told couldn't find me in system or my fee even though I had a confirmation #

  Business response

  08/02/2023

  Please see attached letter of response.  We also mailed a letter of response to the customer.  

  August 2, 2023
  
  Better Business Bureau
  Attn: Dispute Resolution Department
  *** ** ********* ***** **** *** ****** ** *****
  
  Better Business Bureau ID: ********
  
  
  To whom it may concern,
  
  We appreciate the opportunity to respond regarding the complaint referenced above. Upon review, Ms.
  **** applied for a Revvi credit card on 7/21/23. On 7/21/23, she called Revvi customers service to pay
  $31.66, which was the remaining balance of the $95.00 program fee. The Revvi agent was able to locate
  her account and process the payment, he then informed Ms. **** to call back in a few minutes to activate
  the account. There are no further call records on file after 7/21/23.
  
  Additionally, records indicate Ms. **** activated her card on 7/29/23 and began to utilize the card for
  purchases the same day. Per the cardholder agreement, since the card was activated and utilized, the
  program fee is non-refundable.
  
  
  Sincerely,
  
  
  **** ******** *** *****
  

  
  

• Initial Complaint

  07/21/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Revvi Credit Card Account Ending w/6703 I am reaching out in regards to my June 27th Payment , unfortunately due to unforeseen circumstances. I made my Payment at 5:35pm Eastern Time , 35min after the deadline. The issue for my complaint , is the company lacked empathy. I called and requested, that the late fee be removed. Explained the life circumstances I experienced. Again the payment was made on the expected due date , just 35min after the deadline. In April 2023 , I had a late payment. The late fee was removed “ This complaint has nothing to do with April courtesy removal- Revvi personal , continued to act like the the circumstances I experienced that caused the delayed payment did not matter. I have credit cards with other company’s capital one etc and they always display friendly customer service and seek to help you get the best resolution. I am requesting a phone call from an SR leader , if I do not answer please send a email with your contact information and I will contact you back at my earliest convenience.

  Business response

  07/28/2023

  To whom it may concern,  We appreciate the opportunity to respond regarding the complaint referenced above.  Upon review, records show Mrs. ****** acquired a late fee when making a payment after 5pm CST on 6/27/23.  Her payment was created at 5:35 pm CST.  Any payment created after 5pm CST is posted the following day, which would cause the account to be late.  She called on 7/5/23, 7/13/23, 7/18/23 and 7/21/23 attempting to have the late fee removed.  On 7/21/23 she was informed by a Revvi customer agent that she did not qualify to have the late fee removed.  Upon conclusion of our investigation, we have refunded the late fee to her Revvi credit card account on 7/28/23.

  Sincerely,   Card Services MRV Banks 

• Initial Complaint

  07/17/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have had issues with making my payment on time but they sit on it till after the due date and then charge me a late fee forcing me to have to call because their app doesn’t have chat or email and when I call it’s a hassle just to get them to do anything this time I was forced to call twice the first time I called I was told that the late fee would be returned within 3-5 business days and it wasn’t forcing me to call again to be told they would file for subject to approval of the late fee making me wait even longer for their mistake. This is unprofessional and just plain poor customer service. I am attaching the image I took of my payment being paid on time

  Business response

  07/21/2023

  Our response letter regarding this complaint is attached.  

  July 21, 2023
  
  Better Business Bureau
  Attn: Dispute Resolution Department
  *** ** ********* ***** **** *** ****** ** *****
  
  Better Business Bureau ID: ********
  
  
  To whom it may concern,
  
  We appreciate the opportunity to respond regarding the complaint referenced above. Upon review of
  ******** ****’s account statements, her payments are due on the 8th of each month by 5:00 pm CST. Any
  payments received on the due date after 5:00 pm CST, are considered to be received late and could incur a
  late fee. MRV Banks has sent a response letter to the customer and provided her with the most recent
  account statement for her reference. Records of her payment history show she created a payment on
  7/8/23 at 9:39 pm. Per the account statement, payments created after 5:00 pm CST are processed the next
  day and Ms. **** incurred a late fee as a result.
  
  However, during a phone call Ms. **** had with Revvi customer service on 7/10/23, the customer service
  agent informed her that she would receive credit for the late fee. The agent explained that because the
  payment was processed on a Saturday it would post late and the late fee will be credited. The agent did
  not relay correct procedure as indicated in the above paragraph. Additionally, it was found that the
  confirmation page provided by Ms. **** displayed a “post date” of 7/8/23. We have informed Revvi that
  the posting date should reflect correctly to align with timeframes disclosed on the customer statement.
  Due to the agent informing Ms. **** that she would receive a late fee credit and the “post date”
  displayed as 7/8/23; the late fee and accrued interest was credited back to her Revvi account on 7/20/23.
  
  Please call Revvi customer service at ************** with any further questions or concerns.
  
  
  Sincerely,
  
  
  Card Services
  MRV Banks
  

• Initial Complaint

  06/07/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  mrv banks sold my fraudulent acc ou nt to lvnv funding and is falsely reporting cancellation requested or face class action litigation

  Business response

  06/16/2023

  Better Business Bureau ID: ********
  
  
  To whom it may concern,
  
  We appreciate the opportunity to respond regarding the complaint referenced above. Upon review,
  records show ******* ****** opened a Revvi credit card on 7/10/2021 and began utilizing the card shortly
  after. Records indicate the account was closed per customer request in July 2022 through the credit
  bureaus. Following this request, several disputes were submitted with the credit bureaus claiming the debt
  owed was not hers.
  
  During the time the account was open, several payments were made from a checking account in her name
  as well as the authorized user’s name. Her name, social security number, date of birth, and address were
  verified as matching through the disputes with the credit bureaus. As concluded in prior dispute
  investigations, the customer is responsible for the debt owed.
  
  Due to 120+ day delinquency, Revvi/MRV Banks sold the debt to Resurgent Acquisitions, LLC on
  5/10/2023.
  
  
  Sincerely,
  
  
  Card Services
  MRV Banks
  

   

• Initial Complaint

  02/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I paid ***** **** issued by MRV Banks a $99 issuance fee. Never charged a penny to the **** Card, not one charge. They charged my checking account on the same day twice for the exact same payment for the monthly fee. It made my account overdrawn. They charged me a $29 fee for the second payment not clearing so did the bank. I called and told them to close my account. Cut up the card. They ruined my credit after robbing me and I never used the card.

  Business response

  02/07/2023

  February 7, 2023

  Better Business Bureau

  Attn: Dispute Resolution Department

  *** ** ********* ***** ****

  *** ****** ** *****

  Better Business Bureau ID: ******** 

  To whom it may concern, We appreciate the opportunity to respond regarding the complaint referenced above. According to records, ***** ******* applied for a ***** credit card account on 5/6/2022 and paid the $89.00 program fee on 5/14/2022. Per the first issued account statement, Mr. ******* had incurred a $75.00 annual fee and made three (3) purchases on the account between the dates of 5/16/22 and 5/18/22 totaling $213.67. The total amount due for the first statement was $288.67 and Mr. ******* submitted two payments for this amount. Records show that Mr. ******* initiated a debit card payment for $288.67 and then also initiated a checking account ACH payment for $288.67. ***** did not incorrectly process the payment twice, but rather the customer set up payments by two different payment methods. Unfortunately, one of the payments did come back as NSF and a returned check charge of $30 was assessed to the account. Payment was never received for the $30 fee and therefore the account began to accrue late payment fees on subsequent statements.

  Sincerely,

  Card Services

• Initial Complaint

  01/31/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Dear ***,
  
  I am writing you to file a complaint against MRV Banks (Ste. *********, MO *****) and the Revvi card (***********, SD *****), issued by MRV Banks.
  
  On September 17, 20221received notification from my credit monitoring agency that someone attempted to open a credit card account in my name with *****. I called Revvi the same day and spoke with an agent who looked up the fraudulent application and reported that it was made from *******. He told me that ***** will decline the application and would send me a fraud package by the following week.
  
  On September 30 I called Revvi back, having received nothing from them. I spoke with two different agents and was told that a packet was sent,but it was sent to ********************************************************** instead of my address, ******************************************************************. He said that they will send out the fraud packet again and will also send me a digital copy by e-mail. I waited.
  
  Having received nothing by October 17, I called Revvi for a third time. The agent I spoke with told me that the fraud packet takes14 days and I should be receiving it by October 20. I reminded him that September 30 to October 20 would be 21days, not 14 and asked to speak with a supervisor. I was transferred to ******.
  
  ****** told me that he understands my concern and is escalating the case, which should result in a 24 to 48 hour turnaround. That would have been October 18 or 19. I waited, again. Tuesday, Wednesday and Thursday came and went and I still had nothing.
  
  On October 211 called Revvi again and spoke with ****, also a supervisor. I described my issues and she told me that there's nothing that she can do. I have to wait another 14 days from October 17.
  
  At this point I have no reason to believe that ***** is taking my request seriously. In spite of their promises, they ignored the three deadlines that they themselves set. They disclosed my personally identifiable information to a third party.
  They are preventing me from being able to complete an investigation request with the ************************* They are not providing required documentation to clear the hard check that was made on my credit report.
  
  I request your agency's assistance to obtain the requested information from MRV/Revvi so I can clear an incorrect credit inquiry and provide required information to my police department so they may investigate the fraudulent application. I have recordings of my conversations with *****. Please let me know if you need them.
  
  Thank you for your time and attention.

  Business response

  01/31/2023

  Good morning,

  We received notification of this complaint, but it does not involve MVB Bank, it mentions MRV Bank. Please let me know if I can do anything further to help.

  Thank you,

  *****************

  MVB Bank

  Business response

  02/06/2023

  February 6, 2023

   Better Business Bureau

  Attn: Dispute Resolution Department

  ***************************************************

  Better Business Bureau

  ID: ********

   To whom it may concern,

   We appreciate the opportunity to respond regarding the complaint referenced above. Records indicate that ************ submitted this exact complaint previously to the **** and to the Missouri Attorney General back in October 2022. Once MRV Banks received notification of the complaint, we investigated and submitted a request to the credit bureau agencies on 11/11/2022 to remove the inquiry from Maxs credit report due to fraud.

   Sincerely,

  Card Services MRV Banks

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