# Fortiva Account Center — user reviews > 193 indexed App Store user reviews of Fortiva Account Center by Atlanticus Services Corporation, rated 2.13/5 from 82 ratings. - Source: https://appshunter.io/ios/app/fortiva-account-center/id1300379323/reviews - App overview in markdown: https://appshunter.io/ios/app/fortiva-account-center/id1300379323.md - Rating breakdown: 5★ 18 · 4★ 1 · 3★ 0 · 2★ 2 · 1★ 51 ## What do users think of Fortiva Account Center? Overall sentiment: negative **Pros** - 🚀 Easy to use - 👍 Convenient payment options - 🔒 Secure app **Cons** - 🐛 App crashes or freezes - 🔍 Difficult to access account information - ⚠️ Poor customer service - 💰 High fees and interest rates - 🕰️ Delayed payment processing **Commonly reported bugs** - Login issues - Blank screens - Compatibility problems with newer devices **Most requested features** - Improved app stability and performance - Enhanced account management features - Streamlined payment process - Better customer support ## Newest reviews (20 of 193) ### 2/5 — The app needs a lot of work *2026-04-25, version 4.22.47* The card it self is okay not the best… I don't even remember how I got stuck with it I think because I hadn't a credit card in a long time I got excited and got approved for this one. but they take out a lot…. Everytime you chat with an agent it kicks you out. Had to delete the app so many times to just refresh it….d ### 2/5 — You will NOT like the fees! *2026-04-06, version 4.22.47* This used to be a decent card, until they charge an Acceptance Fee, an ANNUAL Fee, and a Monthly Fee! When your ANNUAL Fee comes up, and you only have $75.00 available credit, your fee pops up and then you have to pay a OVER LIMIT FEE because you won’t have available credit to cover the ANNUAL FEE. It all goes down hill from there. You will be paying interest and everything else for a very long time. They definitely should be investigated for their business practices. JMO ### 3/5 — Bugs *2026-04-04, version 4.22.47* There’s no easy way to update information on this app. Please allow ### 4/5 — New *2026-03-18, version 4.22.47* Just got approved—surprised it was for $700. I’ll be posting future Reviews soon ### 1/5 — Consumer beware. *2026-03-12, version 4.22.47* Just another scam card. ### 1/5 — Can’t even log in *2026-03-09, version 4.22.47* Trying to reset password and you can’t send a reset code anywhere ### 1/5 — No way to get info *2026-03-08, version 4.22.47* Trying to view my info or details but nothing pops up. Only thing pops up is to activate a card , not interested , just trying to pay off this scam ### 1/5 — Worst lender I’ve used *2026-02-25, version 4.22.47* They will tell you 0% interest, then change it to have an interest rate behind the scenes. Their call center reps are arrogant and not helpful, they will disconnect the call if they disagree, regardless of how polite you are. This company does not do up front business, do not get a line of credit with them. ### 1/5 — Bad idea *2026-02-20, version 4.22.47* This company I feel in my own opinion Thames advantage of people with less than good credit, charging high interest then they offer you a credit to pay a portion of your bill as I did but then they want to make you wait 14 buisness days to get the credit, so that’s about 3 weeks and during that time wham they hit you with bigger interest, then I did miss two payments thinking I only missed one and they closed my account without informing me at all, no letter in the mail, no phone call and no email, I can’t wait to pay this card off and I will NEVER get it again after this experience, do yourself a favor and look for better cards like capital one and or imagine ### 1/5 — 1 *2026-02-04, version 4.22.47* 1 ### 1/5 — STAY AWAY FROM THIS COMPANY *2026-02-03, version 4.22.47* They will try every possible way to make money off you from declining payments, to not offering automatic payments, to charging unnecessary fees for just about anything. When you contact customer service for help with those fees, they refuse to work with you at all, even when the issue is clearly on their end. I work with more than 20 credit companies out there and they’re always happy to help you with waving fees even if the issue is from my end. I rarely leave reviews unless it’s truly necessary, but this is something that could seriously affect others. Please stay away for your own. ### 1/5 — Not a very good company! *2026-01-29, version 4.22.47* Not able to login to my account. Customer service not very helpful. App doesn’t work!! ### 1/5 — Trash card *2025-12-27, version 4.22.47* I missed one payment because of a family emergency. Then next month I made a double payment plus paid a late fee and they canceled my card. Like are you serious. Life happens and they are not even willing to work with you. This is the worst card I’ve ever had. Customer support is a joke. Stay away from this card it will save you a ton of headaches ### 1/5 — terrible credit card *2025-12-24, version 4.22.47* they closed my account because using it to buy fast food looked suspicious; im only suppose to use it less than once a week; terrible customer service! ### 1/5 — Angry *2025-12-04, version 4.22.47* One of the worst apps ever save yourself a headache with this app my first day of getting it n it gave me a headache can’t submit to change my password tried multiple times different days n doesn’t allow me at all so frustrating hopefully they work on this app ### 1/5 — Predators *2025-12-03, version 4.22.47* This is the worst company ever. They report your credit wrong to the credit bureau so you lose points even if you’re paying on time and balance is decreasing. They always change your password so you can’t log into your app. I’ve given up logging into my app. Avoid them. 100% ### 1/5 — Useless App *2025-12-01, version 4.22.47* This app never works when i need it to. They also make you jump through hoops with support. I genuinely believe they are trying to make it difficult to pay so they get to charge you more money. If i can’t access the app to pay, you’re funny if you think im paying the fee. ### 1/5 — Waste of time *2025-11-12, version 4.22.47* Nobody can help ### 1/5 — Angry *2025-10-29, version 4.22.47* One of the worst apps ever save yourself a headache with this app my first day of getting it n it gave me a headache ### 1/5 — App needs a update *2025-10-28, version 4.22.47* App needs a update too many bugs it won’t let u select anything from the dropdown menu ## Most critical reviews (10 lowest-rated) ### 1/5 — Garbage *2026-08-01, version 4.22.47* 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. ### 1/5 — Scammers *2026-07-28, version 4.22.47* Hey people be careful this bank is one of the most scam bag bank in the United States they’re ripping people off they’re charging way more interest over fee charges and etc., etc. this bank has to be banned by the US government as soon as possible dear robbing you in the daylight without any hesitation ### 1/5 — App *2026-07-21, version 4.22.47* The app won’t even open ### 1/5 — App won’t boot *2026-07-11, version 4.22.47* Hire more developers ### 1/5 — Awful *2026-07-09, version 4.22.47* This app is terrible you can’t even sign in without it always kicking you out. How are you suppose to manage your account if you can’t even sign into it? Just awful ### 1/5 — Credit app *2026-06-03, version 4.22.47* I applied for a Lowe’s credit card but received this one instead. First, the application was completed by the employee asking the questions and entering my information. She entered the wrong dob, I received an email to upload a copy of my DL. That is not my fault. She did not tell me that there is an annual fee of $99 which has been charged to my account already. This card will be paid off before the end of the month. I don’t even know the interest rate but they won’t have a chance to charge it to my balance. I never would have accepted it had I been made aware of an annual fee. ### 1/5 — Not a Good App *2026-05-10, version 4.22.47* I have had issues with this app for about 3 weeks. I cannot change my password. When I go to the link to change my password, the drop down arrow that is used to send a temporary password ,does not load my information for me to choose where to send the temporary password to. I have tried several different phones and even laptops and iPads and it just won’t work. I have emailed and called to get this fixed. The email basically told me to do what I was already doing and the guy on the phone told me I had to put my username in all capital letters. This still hasn’t helped and still isn’t resolved. The worst part is that it takes this company 3-5 days to post my payments because we can only use bank accounts. Get into the 21st century and offer debit card payments and not from a third party company but directly from the app!!! It shouldn’t matter if this is a low credit score card or not. We don’t deserve to be treated like this. ### 1/5 — Ripoff *2026-04-08, version 4.22.47* Do not get this credit card they will not increase your credit line and if they do they will charge you you to increase it ### 1/5 — I’m gonna Sue this company, until I have an excuse or explanation!!! *2026-03-19, version 4.22.47* I'm gonna sue their company for damages, because back in 2025, I made a call during which I settled my account in full. I told the representative who assisted me that I wanted to close my account and requested that they send me an email confirming that I had paid the full amount and that the account would be closed. The representative replied that they do not send emails of that, and I never received an email confirming any of this; however, prior to that conversation, I took screenshots, recorded the entire call, and I possess all the evidence.because I saw it coming because he refused to send the confirmation number ### 1/5 — Terrible app *2026-03-13, version 4.22.47* Website crashes constantly and app is useless ## Most praised reviews (10 highest-rated) ### 5/5 — Using app *2024-09-10* Love this app ! So easy to use, look at statements or print them . Manage acct details . So easy to pay and go paperless. Even customer service was very helpful and professional and they understood immediately what problem was and took care of it. Excellent app . ### 5/5 — No problems here *2023-08-16* I’m supersized to see so much negativity this cards good I have no annual fee I assume it’s a bunch of bad credit people that have issues ### 5/5 — Love this credit card app *2023-08-15* I have quite a few credit cards and this app is by far the easiest to use and gives all info. Payments made don’t take long to post when done from the app! ### 5/5 — App works great on iPhone 12 Pro Max *2023-07-29* Downloaded app, logged in, and made successful payment in less than two minutes. No technical issues encountered and app layout was intuitive and transparent with showing calendar date when payment was due and date I had payment scheduled side-by-side so there was no confusion. Looks like all the negative feedback spurred quick resolution by Fortiva’s IT team- thanks! ### 5/5 — Crash *2023-07-11* The app crash wen login ### 5/5 — I recommend! *2022-08-22, version 4.20.1* Never mind the negative reviews, this card is great for building credit. I initially had their card for a couple yrs and eventually closed it over a year ago since it had a low credit limit. They recently sent me an invitation to return offering a much higher credit limit, so I accepted. Since I was pleased with Fortiva in the past and their account services in general, I had no problem returning. For the record, every time I’ve called, I’ve had nothing but professional and knowledgeable service from their reps. I totally recommend this card! ### 5/5 — Improved and works well. *2022-08-18, version 4.20.1* I have the most recent version of the app, and the interface is much better and Face ID is finally working. One thing you’ll need to do is manually type in your password. Copying and pasting or filling it in from iCloud Keychain or a password manager doesn’t register. This has happened with a few websites and other apps as well. When you go to fill in your password, either type it in manually or find out the last character of your password, then when you fill it in from iCloud keychain or your password manager, delete the last character from the password box and type it in yourself. Then it will save and Face ID/Touch ID will function correctly. ### 5/5 — Pay your credit card on time *2022-08-15, version 4.15.11* I’ve had this card for a few months and I just now downloaded the app, and I seen all the horrible reviews. Anyways, I have never had a problem with this credit card at all, just pay your stuff on time and you won’t have an issue! ### 5/5 — Great tool *2022-02-10, version 4.15.11* The app has good functionality, timely prompts, and helps me manage payments and balances. Enrolling in e statements and credit protection took 2 clicks. Very helpful. ### 5/5 — Good card and app *2021-03-22, version 4.15.11* It is a good card, when I lost my job the insurance paid 6 months the minimum payment, I have never had problems with the mobile application --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-06.*