Complaints
This profile includes complaints for Atlanticus's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 929 total complaints in the last 3 years.
- 330 complaints closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:07/23/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I purchased a Aspire Credit card back in June of 2024, a annual fee was attached, for the year, while its open, as of today I noticed another annual fee was attached, and my monthly bill went up from $54 a month to $70 a month for a limit on my card of $1063. I never heard of someone paying $70 for such a low amount. I have never been late and been paying faithfully never missing a payment and paying on time. I called to close my account because I want the new annual fee deleted. My understanding is once you close the account you can not be charged an annual fee for the new year. **************** told me yes they can as long as you have fees on your account, which is incorrect! Another customer service told me no you can't be charged an annual fee once you close your account. I have closed credit cards with fees on it, and they never charged me annual fees after it was closed. I kept calling to get a supervisor but customer service never gave me a supervisor to talk to and when I first got this card a customer service person called me to make a payment over the phone when my bill wasn't even due yet. I called back to see if it was Aspire calling, and it was, this card company is a big red flag! "BEWARE OF GETTING A CREDIT CARD FROM THIS COMPANY" raising my monthly bill from $54 to $70 is a big red flag, when I have a low balance, plus its not over the limit, I'm not late. It doesn't make sense, I am placing this complaint because my attorney friend told me do this first, if nothing happens, he will file against this company for possible fraud. The customer service people are being sketchy and dont know their job because they said, they never had a call like mine about continually charging a annual fee when account is closed. It looks like as of today my billing amount changed to $1070, I will no longer pay on this card, they can send to collections.
Business Response
Date: 07/29/2025
Please find the attached response.Customer Answer
Date: 07/29/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me for now, I will continually pay on my last year annual fee, my account is closed I should not accumulate new annual fees once closed moving forward, as my account is in good standing, I understand I will accumulate new charges of interest fees until paid off, but no new annual fees on a closed account. ********************** has resolved my issue this time, hopefully we can move forward in good standing as I continue paying off my account and remain in good standing.
Sincerely,
*** *****Initial Complaint
Date:07/15/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
March 10th 2025 I made a payment of ****** which ******* promises a match pay for doing it and they never honored the match pay instead they closed my acct and are trying to destroy my credit for money i do not owe my acct would have been zero they lied about the match pay insteadBusiness Response
Date: 07/25/2025
Please see the attached.Initial Complaint
Date:07/14/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with Fortiva credit card,I don't have a contract with ************************ and they didn't provide me with the original contract as I requestedBusiness Response
Date: 07/25/2025
Please see the attached response.Initial Complaint
Date:07/13/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On July 4th, a fraudulent account was opened in my name by Vivint. A sales representative explained that they were checking my credit to ensure I qualified for a special where I would be a test subject essentially for the products and only pay the service fee. I was unaware that I took out a credit loan until later that night. My daughter and I share an email and he used our email to accept all the terms without letting me read them over. I attempted to cancel it the same day but I was told that I had to wait for vivint to remove the tech. I called Fortiva three times and each time I was told something different. The first time I was hung up on for recording the call. The second time I was told the account was closed but I would need Vivint to close the loan once the tech was removed. After the tech was removed I called to confirm the loan could be close once Vivint confirmed it. They told me I would have to go through a dispute or wait 3 months to close the account out. I would like to preface this by saying the technician signed all the paperwork. I was not aware until later that it was a loan. I have already made a compliant to Vivint about the technician and Im still on the fence about going forth with legal action against him. I really would just like the account to be closed and the loan to be disputed considering I have none of the equipment. The last customer service agent did nothing to help. If anything he made issues worser. I feel as though this company is a scam and would like my account and loan closed as well as a promise of no further communication after the issue is resolved. This company is sketchy. Please check the dates in the screenshots provided. If any information is needed feel free to contact my phone number or email provided thank you!Business Response
Date: 07/22/2025
please find the attached responseInitial Complaint
Date:07/12/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Yes Fortiva is charging My account ************* My balance was only $197.70. I refuse to pay extra money.I will pay only my remaining balance.I didn't sign up for any promotions or I wasn't explained nothing else.There fore I will only will be paying my remaining balance of.$197.70. y this is how companies become **** making money out of other people.Business Response
Date: 07/16/2025
Please see the attached response.Initial Complaint
Date:07/11/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Card was not activated and they wanted to charge me ******Business Response
Date: 07/17/2025
Please see the attached response.Initial Complaint
Date:07/10/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
* Reason for the dispute * I have been trying to work with **** Eats about fraudulent transactions. The **** Eats representative was not very helpful. I informed them that I had many transactions on my credit card, and I dont recognize them. **** Eats customer service told me they couldnt verify my identity because they didnt have my name. They later said my address has an apartment number. I told them no, but they said if I cant give them an apt number and name on the account, they cant help me because their account that uses my ********************** card had different information from what I was telling them. **** Eats did give me back credit for two, but not the full amount. I dont have an account with **** Eats and never permitted anyone to open an account. That ********************** card I had replaced it with a new account, so hopefully, no more transactions will happen. Aspire credit card gives me a temporary credit during the investigation and returns the money. 1780 is the old credit card with the last four numbers of fraudulent transactions. I did file a fraud report with the Credit ************* Aspire POST DATE 04/24/25 04/24/25 04/25/25 04/27/25 04/29/25 05/01/25 05/06/25 05/11/25 05/11/25 AMOUNT $27.00 $40.38 $38.52 $49.47 $75.07 $39.99 $51.16 $26.58 $45.55Business Response
Date: 07/24/2025
Please see the attached response.Initial Complaint
Date:07/09/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My credit card with fortiva with a limit of $700 was just about paid off when I initially requested a new card through their customer service online live chat. The representative did not try to help me whatsoever and ended our chat. This happened twice before I called and gave my personal information including my social security number, just to be transferred and hung up on. I have called and requested a replacement card over 5 times and still NOTHING. On the last phone call I was told it would come in 14 business days after being placed on ridiculous hold times (I presume to encourage me to hang up). After ending the call I received an email that my identity wasnt verified and I will not be getting a card, after all of my personal information was given to a random person AGAIN. I sent a email letting them know that I am NOT making any further payments to the account until I receive a card. They are running a scam.Business Response
Date: 07/17/2025
Please see the attached response.Customer Answer
Date: 07/17/2025
Complaint: 23578949
I am rejecting this response because:
When I attempted to go look for my last transaction (and told the representative that I was doing so) the customer service representative impatiently ended our conversation. My last transaction was over a year ago and I needed a reasonable amount of time to obtain it. Your customer service is terrible and your company shouldnt be running with such. This response does not address the phone calls that *** had with your customer service representatives that did not rectify the situation. Also, you lowered my credit limit after my initial report to BBB which impacted my credit score, so I do not accept your response as I take that action as a form of retaliation. Your company is operating on bad business practices and I am considering seeking legal counsel. I need this account closed and removed from my credit history without negative remark.
Sincerely,
***** ******Business Response
Date: 07/23/2025
Please see the attached response.Initial Complaint
Date:07/09/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
******* offered my a $40 statement credit via a text message towards my account balance for making a payment. I proceeded to take this offer that they were giving as it would then bring my account to a zero balance. My payment was then made toward this offer on June 13th. As it it now July 9th and I went to my account to retrieve the phone # for Fortiva to that I could close my account. I noticed that my account not only had the remaining $40 ( that should have been taken off from the statement credit offer ) still on my account it also had a $41.00 late fee assessed to my account. I have made numerous calls into ******* to get this corrected. Resulting in them "waiving" $30 of the late fee and wanting me to make a payment of $51.00 before they would "waive" anything.Business Response
Date: 07/25/2025
Please see the attached response.Initial Complaint
Date:07/08/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I had a credit card with them. I have not gotten bills in the mail I keep getting a text message. The say I owe a balance when I asked why am I not receiving the bills they said its paperless. They stated they closed the account back in May. Im being charged interest and over the limit on a closed account. I didnt even know the account was closed till today. How can they charge all these fees as if the account was open? When I asked questions they got smart with me and told me this is legal. They are supposed to mail me a bill.Business Response
Date: 07/16/2025
Please see the attached response.Customer Answer
Date: 07/16/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
********* *****
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