Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
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. XX/XX/XXXX2026 : I paid my full balance of {$320.00} on time, bringing my account balance to {$0.00}. XX/XX/XXXX : The bank charged, annually fee and I successfully paid in full, the {$120.00} annual fee for the upcoming year till XX/XX/XXXX of credit service. For card service XXXX XX/XX/XXXX : Without any prior notice, warning, or stated cause, the bank restricted and backdated the closure of my account. I was completely unaware of this action. XXXX XXXX, XXXX : XXXX days after the internal closure date, the bank generated a letter that I received on XX/XX/XXXX. This letter explicitly stated : " Please call this number to verify you have your card on you and we will release the hold. '' The written letter made absolutely no mention of requiring payment verification. XX/XX/XXXX2026 : I called the bank immediately upon receiving the letter. Over the phone, customer service completely shifted the requirements, stating my account was flagged and demanded proof that I was the owner of the bank account used to pay the XXXX bill. XX/XX/XXXX2026 ( Later that day ) : I immediately complied and faxed full bank statements proving all three historical payments. I called back that afternoon, and customer service verbally confirmed they received the documents and stated I would be notified. XX/XX/XXXX2026 : I attempted to use my card, and the transaction was declined, showing the account was closed. XX/XX/XXXXXXXX : I received a second letter in the mail stating the account was closed because I " failed to provide documents '' directly contradicting the verbal confirmation I received on XX/XX/XXXX. XX/XX/XXXX2026 ( XXXX XXXX ) : I spoke with XXXX " XXXX. '' XXXX XXXX refused to issue a refund for the {$120.00} annual fee. She falsely claimed that I owed a balance on the account and that the {$120.00} fee had to cover it. This is a provable misrepresentation, as the bank 's own reporting portal shows a {$0.00} balance and 0 % utilization as of XXXX XXXX, 2026. UDAAP Violations & Desired Resolution : XXXX XXXX has XXXX in a textbook UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violation. They accepted a {$120.00} annual fee for a year-long credit service contract on XX/XX/XXXX, closed the account 8 days later on XX/XX/XXXX without notifying me and issued a letter with completely misleading instructions. XX/XX/XXXX, and are now utilizing false claims of an " outstanding balance '' to illegally keep unearned fees.The contract was terminated entirely by the credit grantor, not by the consumer. To resolve this matter I'm asking for them to retaining the {$120.00} annual fee constitutes theft of funds for services intentionally withheld. Desired Resolution : A full refund of the {$120.00} annual fee returned to my original payment method. A formal correction of internal bank records reflecting that I complied fully with all verification requests.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation