Debt collection
Viva Finance debt collection complaints
Consumers have filed 26 complaints about Viva Finance's debt collection, 12 in the last 12 months. Viva Finance answered 91.7% on time and closed 0% with relief. See the whole Viva Finance record.
Viva Finance against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Viva Finance | 12 | 91.7% | 0% |
Latest Viva Finance debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 31, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 17, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Feb 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 31, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 6, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 2, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 17, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 28, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 17, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 4, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 14, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 8, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 1, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 12, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 11, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 28, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 17, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 29, 2024 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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