Fortiva Reviews 

I had 2 of these cards,when my husband passed, I struggled with bills. I started with a debt company . They settled for less. Then I found out the debt company was a scam and started paying. But I used my Credit card protection plan to pay them off. Because I have had 4 strokes and I lost my husband. Now they are trying to sue me. No arbitration, Jefferson Capital bought a bunch of accounts. And want me to pay 1500, when the card didn't have that much credit limit. And it's been paid through insurance. I told them they bought a paid off debit. He said I'll have to investigate that.I have sent them the hardship letter asking for info they sent me evidence they submitted to court. Which shows I had protection insurance.

I do not owe Fortiva anything I am fixing to sue them they have me on a bill of owning over 3000.00 and I don’t owe them anything so I’ll see them in court

Decided to close my account even though I’m making payments

Fortiva Retail Credit, which was offered by our dental office, has horrible customer service. We spoke to a supervisor who was to take care of an issue, however he never did. We tried to resolve the issue through chatting with another supervisor, sent an email and had other representatives respond to multiple exchanges, and they all failed to address, acknowledge, explain, or live up to what we were told. When we phoned back, they stated they had no record of the call with the supervisor, though two of us were on the phone when we spoke to him, the call was on our call log, and a payment was made on that same date while on the phone with the supervisor. The loan was paid in full very early (a little over a month when it started). Good riddance Fortiva! Steer clear if you are offered Fortiva as an option from a vendor.

When they ask you to sign up for the 0% financing for 6 months through FORTIVA retail services-
DO NOT SIGN UP FOR IT!
I paid off my account in 4 months and was told as soon as I did I would be all set and the account would be closed and zeroes out.
1 year later FORTIVA had left the account open and charged me a $79 fee, then a $35 penalty for not paying within 30 days.
When I called customer service to find out why I have a charge on a zero balance account, they refused to remove the charge and demanded I pay The annual fee before they would close the account, and if I did not they were going to report me to the credit agencies!
So beware of the deceptive business practice here- and save yourself the hassle by avoiding the Bob's discount furniture "zero percent financing for 6 months" or you'll end up paying after it's paid off

STAY AWAY!!! Even though you mail your payment on the 24th of the month prior, they will say it didn't get to them until the 8th. EVERY month they tried to put a late fee on me. I even got the printout from US Bank showing that they cashed my MO on the 3rd! DO NOT GET A FORTIVA CARD!!!

I have yet to get my card in the mail i have called customer service twice already about not getting my cards so the cancelled the first set and sent out a second set but yet still nothing now they say i owe them money for an annual fee which i cant use the account at all and shouldnt be activated since i havent got my cards in the mail yet

This is a very expensive credit card, ripping the customers with very high interest rate 36%, monthly fee of more than $7 and late fee $41 if the payment is made after 5 pm, is almost an scammer....is better don't use this type of credit cards.

We were in the market for a new living room set. Went shopping and the salesman talked us into the more expensive option. Didn’t have that much $$ on hand so we financed a portion of it with them…and they use fortiva. We didn’t choose them, it was the only option… I want to make that clear. They gave us 12 months zero interest. On the first bill there was a $78 annual card fee…we don’t have a card and never received one and literally only had the account for two weeks and they already tacked on $80 in fees because also get this in order to receive my bill in the mail every month I also get charged a $2 statement fee. So here’s the part that really ***** me off, they also charge 36% interest on that hahaha so it’s an additional $2.06 every single month getting added to my balance and for what?? So I get the freaking bill?!! In order to make a payment you MUST create an online account, (or mail it in) no making a payment in the actual store where we made the purchase. Ok you think no big deal right…WRONG!! They make it as hard and confusing as possible to get the account set up. I’m a modern woman under 40 and skilled with computers but this was ***** me the **** off!!!! I promise you half of the people I know wouldn’t have been able to get it set up! ALSO if you make your payment after 5 pm eastern standard time on the date it’s due it’s considered late…in what world?!?! Thank god I noticed this when I made my very first payment and made a note of it, but again most people wouldn’t notice and may have gotten a late fee and interest for that. I can pay any of my other bills as long as the payment is made before midnight and it’s not late. It’s so dumb and feels so unfair like these guys are pirates and they are literally getting away with it. Historically speaking the mob didn’t even take 36% interest!! Class action lawsuit anyone? Let’s get some of our fees back!!! Beware, beware, beware

This was one of my first credit cards with a decent limit. I have had no problems with payment but sometimes with the site but customer service is easy to reach and they solve the issue so it is a non issue. Out of all my credit cards I use this one the most. No problems with denial, plenty of notifications and I am comfortable with this company. I would definitely recommend this card.

32% interest..... Bend You Over Interest..... DON'T DO IT...... It should be illegal.....

After paying my monthly billing statement, I set up auto pay using ACH. The very same day, they charged me for the entire balance on my account! When I complained, after finally ONLINE CHATTING with a supervisor, they told me they would refund the money in approximately 10 days. I was FURIOUS. So I put a stop payment on the charge and cancelled my autopay. This is a Mickey Mouse operation entirely. Just read through the rest of their reviews.

If I could give a -1 star I would. Absolutely taking major advantage of people struggling. Bought grandson furniture with Bobs using Fortiva. Paid it off in record time. They charged me $ 30. Annual fee a year later when I wasn't using it anymore. Today they tried to say after one year it went up to 79.?! Luckily I got the charge waved but I had to close the account to stop this nonsense. It's bad for my credit score to do that but I no longer would do business with this co or Bobs. Do better! It's criminal the interest rates charged as well as this crazy annual fee. I recommend you RUN from using this.

They refused to remove a lie from my account or update it. They said to wait 10 business days which was too much time. Be aware! They will hurt you

Warning to everyone this is the worst credit card ever do not apply for it do not get it..

People who are trying to build their credit I went to a chapter 7 . after a year and a half managing my credit pay everything on time I took this credit card fortiva I can't understand how they work if I use a credit card they lower my credit score if I don't use it they still lower my credit score I use the credit card and I pay it off in 2 weeks.. for a sample they gave me $500 I only use $250 I paid off 2 weeks later report on my credit score negative..Please do not apply for it ..

Anyone who rates above a one star (even 2 stars) is being paid. Worst company for any form of card. Coming from a past retailer and customer. Scam

I have a HomeDepot Fortiva Credit Card. Ever since I changed my address, I am not able to use my card online. I have spent several hours and many days talking to HomeDepot and Fortiva and nobody seems to know why. HomeDepot has been more than helpful trying figure the issue out. They are not at fault. I love HomeDepot and this card is making it difficult to business with them. I am able to make purchases in store, but not online. Fortiva customer service are not helpful, rude, and insensitive. The answers Fortiva provides is there is nothing wrong with my card. I am less than please with this company. They are frustrating to deal with. I would not recommend this card to anyone. As soon as my balance is paid in full, I plan on cancelling the card.

I have not received my. Card!!
I applied in person at a Home Depot store for a credit card with them and I was approved, I was even making a purchase that day and since I got approved for the card they just charged my purchase to the card and I got to keep the cash I had planned on paying with. I got approved for $2000 I seen it on the screen, I was also told to keep the receipt since I can use the temporary account on that receipt to make more pu r chases u til my card arrives supposedly no later than ten business days after I was approved. I received a denial letter in the mail after this telling me why I was denied but before I received the denial letter a new credit card had appeared in my credit report and it was the one I just got approved for from Home Depot, I dident understand what was going on or why I was getting a denial letter. I received a letter in the mail showing me my account how much I have that is still available and how much that I owe from the purchase that was charged to my card when I got approved in the Home Depot store, this letter was received after I got the denial letter confused I called and contacted somebody through customer support to find out what was going on with my card I figured if anyone would know what was going on with my card they would and if I was denied then they would inform me of that, they did not tell me I was denied they told me it has not been ten that they can see that it has not been ten business days and for me to wait for my card to show up. They did not tell my I was denied and on my credit report it shows as an open line of credit so it must have been approved! Well it has been over a month and I still have not received the card I tried contacting support again and couldn’t get through to a person but when I gave the automated machine my social security number it told me I do not have an account at all, that my application was denied. Now after all of this I have an open line of credit on my credit report with a balance due that I have NO WAY OF EVEN PAYING ON since I do not have any credit account/card due to my supposed denial. If I could have somebody contact me about this it would be greatly appreciated but due to this I am giving this company the worse rating I can and even that is not low enough.

I even received an email from fortiva asking me to leave them a review so I left them this exact review word for word only to be met with an email the next day telling me that my review has been read by fortiva but it can not be published to their website and them thanking me for my contribution like wtf? Seriously you ask me for a review I give you a review of y’all screwing up and then you won’t publish it? That’s okay I’ll just leave the same review on here and all other platforms I can find to leave my review at until I get some kind of assistance with this issue and have been reached out to and contacted by fortiva personally to address and fix the issue at hand cause by their mess up

I have Fortiva credit for my security cameras. My bank card was compromised in April 2025. I put another card on file to have auto pay. In May I was charged a late fee and was informed I will be charged late fee up to 3 months. My point is how can a company do this if I was late one time due to my bank card being compromised. I have had them for almost 2 years and they have not had a problem auto drafting the payment. I will not recommend this company to any friends or family members.

I appreciate the help with a Fortiva Credit Account for medical issues, but they keep trying to give me a MC with 39.9% interest, $129 per year fee and a $700 credit limit. Are you serious? Not in a million years.