DeserveReviews of deserve.com

worst credit card ever, stay away. They closed my account without any notice and I lost 5 years of credit history without any notice. They never reach out to you and will close your account abruptly. I lost 40 points on my credit score. Their horrible customer service arrogantly told me that they had all the right to close my account. Do not use this pathetic service.

Horrible. Had an account with them since 2017. 3 days ago I contacted them to inform a last name change and request a new card because mine expired in July and I haven’t received a new one. My requests were promptly accepted and them 2 days later they closed my account for “prolonged inactivity” with no notice. Contacted customer service and they said they can’t do anything to reverse it. The card is garbage as the customer service. I would keep the account open just to aging my score. Anyway. Stay away. They are literally garbage

I would negative stars if it was possible here. Blockfi payment portal went down and was not available for whole of May/June2023 and then suddenly i get my account reported late. How would i be able to make payment when their payment portal is not working and the customer care number is not working. This has hurt my credit score and disputing with credit bureaus is a nightmare and has not fixed anything. I just get a template report back.

Dishonest company. They partnered with BlockFi to issue credit cards. When Blockfi went under, they closed many people's credit cards - even if they paid bills/paid off card every month. They gave fraudulent reasons for account closure.

Dear KALPESH KAPADIA, Although I have never been late, it has come to my attention that I was declared late on the account with your organization, despite me having had no communication or contact with your organization at the time that shows I was ever late. I was diagnosed with a brain tumor and I was in the hospital during that time. Furthermore, my number hasn’t changed as well, so it's very unlikely that I wouldn’t be reachable at the time. As you may know, 15 U.S. Code § 1666b is a federal law in the United States that deals with credit card billing statements and provides consumer protections for credit card holders. Under this law, credit card companies must include specific information in billing statements, and further must give customers at least 21 days to pay before charging interest on a balance. It also limits the fees that credit card companies may charge. This confusion is evident in the credit report. It should have provided a 30 day notice saying that I was late. But no such communication was ever made. I should have been informed accordingly in December when it says I was 60 days behind, then in January when the account reached 90 days behind. The month of February appears to have "No data for this period", and suddenly in March, the credit report says that I am 120 days behind, with the account being closed the following month in April. This does not make any sense given that the entire account was paid in full. You did not report one time that this account was 30 days past due yet you reported all at one time showing that it was 120 days past due. There is no data presented in the account that shows a balance update, recent payment, and monthly payment. If there can't be accurate information presented in the account, am I to assume then that there aren't any payments being made on time either? I, therefore, demand that you correct the factual and inaccurate data present in my credit report by updating or immediately removing this information.

Issue with Deserve and BlockFi. They always either don't pick up the phone or just simply hang up. 10/10 times. I hope my credit score isn't being impacted.

Quite possibly the worst customer service, and these representatives aren't even aloud to resolve much of anything other that reading from a script. This is the 3rd representative that has attitude and lack of basic problem solving skills. Just trying to pay back the the remaining balance but between emailing (which is the only version of customer service) and the poorly trained customer service it is immpossible to get anything done. Look elsewhere to for all things financial with this company as they will drive your customers away with that horrible "service". Update: Because I feel the company is trying to purge it's negative reviews rather that try to resolve the situation; they also continue to distance themselves from "block-fi"... yawn, ok but still, you are the unwriting bank anf still reflects on your busines and how you choose to resolve issues or actaully be of customer service to help both parties involved... continuning there phone customers service and then the email 'outsourced' services actually able to make any changes are two very diffferent things. No on on the phone can actaully "help" and they differ you to email, inturn, saying "sorry there's nothing we can do"... Nothing has changed, still one star.

Deserve ignores the basics of contractual obligations and respectable fiduciary responsibilities under the guise of legalese in their terms of service. If you are involved in a three way contract and one party defaults - expecting equal consideration despite the insolvency of one of the parties is outright sleazy. Deserve and their subsequent names will never get my business.