Complaints

This profile includes complaints for Atlanticus's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Atlanticus

  5 Concourse Pkwy STE 300 Atlanta, GA 30328-6101

  
• 

  Atlanticus

  PO Box 105374 Atlanta, GA 30348-5374

  
• 

  Atlanticus

  PO Box 23034 Columbus, GA 31902-3034

• 

  Emerge Credit Card

  PO Box 84079 Columbus, GA 31908-4079

• 

  Fortiva Credit Card

  PO Box 650847 Dallas, TX 75265

The 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:06/29/2024

  Type:Billing Issues
  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 writing to report an issue with Fortiva, a company that has been conducting business with me. On January 29, 2024, I discovered that they had made an unauthorized inquiry on my Equifax credit report.I have not given Fortiva permission to access my credit report, and I am concerned that this unauthorized inquiry may be a violation of my privacy of the Fair Credit Reporting Act and harming my credit score. I would like to request that you investigate this matter and take appropriate action to ensure that ******* does not continue to access my credit report without my consent and take the inquiry off my equifax credit report. Thank you for your attention to this matter.

  

  Business Response

  Date: 07/02/2024

  Please see the attached response.

• Initial Complaint

  Date:06/28/2024

  Type:Billing Issues
  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 received a fortiva credit card in the mail without me applying for it. The same day I received the credit card, I called fortiva and explained that I had never applied for the card and that I needed them to cancel the credit card immediately. Well they never cancelled the card, in fact, they started to charge the card for late fees, return check fees, storage fees, service fees, and all kind of weird fees without me even activating the card. Even thought I have called numerous times and spoke to ***** #***, ****** #***, **** #***, and ******** #*** (supposedly a supervisor) which was the worst customer service I have ever encounter. They all promised to reverse the fraudulent charges, but in fact they have added more fees and even have reported me to the credit report agency several times. The fees are actually less the $40 dollars. It is not the money but this is about the principal. These companies should not be able to defraud the consumer so easily and get away with it!.

  

  Business Response

  Date: 07/03/2024

  Please see the attached response. 

• Initial Complaint

  Date:06/28/2024

  Type:Billing Issues
  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 received Fortiva's new yearly fee notice and called ( May 10) to close the account as I WILL NOT PAY THESE EXORBITANT YEARLY AND MAINTENANCE FEES on an account I don't use but once or twice a year. I stated I wanted the account closed and EXPECTED IT TO BE SO. I checked the account in early June and found it was still open. I CALLED AGAIN. Got told it was just a clerical thing and the account would disappear. IT HAS NOT AND THEY ARE STILL REPORTING A DUE AMOUNT FOR THEIR MONTHLY FEES, TO THE CREDIT BUREAU'S, WHICH HAS HAD AN ADVERSE IMPACT. I WANT THE ACCOUNT CLOSED OR I WILL *** THEM.

  

  Business Response

  Date: 07/03/2024

  Please see the attached response.

  Customer Answer

  Date: 07/03/2024

   
  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,
  
  ***********************

• Initial Complaint

  Date:06/28/2024

  Type:Billing Issues
  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.

  Dear Better Business Bureau,I am writing to file a formal complaint against TBOM/ATLS/ASPIRE for an unauthorized account that has been reported on my credit report. Despite my direct efforts to address this issue with TBOM/ATLS/ASPIRE, the account continues to appear on my report, negatively impacting my financial health.Details of the Unauthorized ******************************** Name: TBOM/ATLS/ASPIRE Opened Date: 10/28/2022 Account Number: ************ High **********************: $1,057.00 I have never authorized, applied for, or opened this account with TBOM/ATLS/ASPIRE. The presence of this account on my ********************** report is adversely affecting my credit score and overall financial standing. I have engaged TBOM/ATLS/ASPIRE to dispute the account and have provided all necessary documentation to support my claim that this account is fraudulent. Despite these efforts, the account has not been removed from my credit report.I request the assistance of the Better Business Bureau to investigate this matter and help ensure the removal of this unauthorized account from my ********************** report. Immediate action by TBOM/ATLS/ASPIRE to correct this error is crucial to prevent further damage to my financial reputation.Thank you for your attention to this urgent matter.

  

  Business Response

  Date: 07/02/2024

  Please see the attached response. 

• Initial Complaint

  Date:06/27/2024

  Type:Service or Repair Issues
  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.

  Upon opening this account I was told that I was told i had 2 year to pay off the credit card with no interest. Once i received my first payment I spoke to a representative from fortiva about the payments and she also told me the same that as long as my payments were made on time that there wouldn't be any interest added. Once I started making payments i noticed that every time i made a payment my remaining balance would go up by 20 or 30 dollars every time. Sometime i would pay early and sometimes i would even pay more that the payment acquired. Every time i spoke to a representative someone always told me something different. they would say yes that what the first *** told me was true as long as you pay it off in 2 year no interest would be added. Some would say that interest, some would say its because of late fees, and some would even say the payment was not received. I have every screenshot of my payments when i paid online as well as the confirmation of my payment received. I also have uploaded my statements (which i never received by mail as i was told). This organization is very disorganized and difunctional. Every representative I have spoke to has told me different things about my account. I have been hung up on serval times. I have been waiting on a call from higher up for weeks now and still nothing. This organization is taking my money and expecting me to continue to keep paying higher and higher which i refuse too. My recent phone call to fortiva was 6/21/2024 I spoke to ******** (***) to see if my payment went through, he told me my current payment was received. 6/25/2024 When calling bout the new higher balanced i spoke to ******* (***) he told me it was not. When spoke to a Manager (*****) she was being rude trying to rush me off the phone before solving my problem then hung up.

  

  Business Response

  Date: 07/03/2024

  Please see the attached response. 

  Customer Answer

  Date: 07/03/2024

   
  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,
  
  *******************************

• Initial Complaint

  Date:06/27/2024

  Type:Service or Repair Issues
  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 was sent an email which I will attach here as proof- that if I made a payment I would get a statement credit of $40. I did make those payments online "same day together" and called in immediately the agent said he would have to put in a request for the credit, now when I call in im being told the credit will not happen because it was not made by the date is says july 2nd- these payments were made and processed and done already. I asked for a manager and she is saying payments are reflected but I wont get it because it wasn't made through email which makes no sense i clicked where it says make a payment" and it takes me to my account to pay which is how I paid and the manager is saying that is NOT how you pay, this makes NO sense to me and NOW i am jumping through hurdles to get what was promised, this is NOT right I did what the email entailed and said to pay and now Aspire is not holding up there promise.

  

  Business Response

  Date: 07/04/2024

  Please see the attached response. 

• Initial Complaint

  Date:06/27/2024

  Type:Billing Issues
  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 was not aware of when I got the alarm system that I was applying for a retail credit card. I am trying to pay the credit card for the alarm equipment and I am not allowed to pay over the phone or via website. This is causing me to only be able to pay the minimum payment that is being drafted and ******* to collect interest payment for 5 years.

  

  Business Response

  Date: 07/02/2024

  Please see the attached response.

  Customer Answer

  Date: 07/02/2024

   
  Complaint: 21910156
  
  I am rejecting this response because I have tried to make a payment over the phone and the website. I have the full account number that was provided to me and the technician could not find my account to include on the website says my account number is invalid. Therefore, please ensure that my information is correct in your system so I can make additional payments. 
  
  Sincerely,
  
  Lafietta *********

  

  Business Response

  Date: 07/08/2024

  Please see the attached response.

• Initial Complaint

  Date:06/26/2024

  Type:Service or Repair Issues
  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.

  Went to a us bank atm on may 31st the atm crashed on me but still took the money out my account. i was told to despute it with my card company but for some reason my card company denied the despute and when i got a hold of the us bank they said my bank never had got a hold of them my bank has been giving me the run around and wont be keep tranfering me to one place to another and wont help me figure out whats going on its been almost a month of being out 900 dollars and just dont understand where to go from here

  

  Business Response

  Date: 06/27/2024

  Please see the attached response.

• Initial Complaint

  Date:06/26/2024

  Type:Product Issues
  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.

  Date and amount owed is on document 

  

  Business Response

  Date: 06/22/2024

  I believe this customer has us confused with a different company and the complaint belongs elsewhere. We are a personal business management firm based in ********, ** and do not know the complainant nor do we do business in *******. I would ask them to please re-check the company that they have issues with and re-file the complaint with the proper company. They are welcome to reach out to me at ************** but as owner of our small firm I can say for certain that we have never engaged with them in any way and would appreciate having the complaint against our small business removed.  Thanks.

  Customer Answer

  Date: 06/26/2024

  This business is giving me the run around about a check they were suppose to cut me for me over paying the bill.I keep calling *** asked for supervisors they keep saying they will call me back but ** getting no call backs and still have not recieved my money over 2 months now.

  

  Business Response

  Date: 07/01/2024

  Please see the attached response.

• Initial Complaint

  Date:06/24/2024

  Type:Billing Issues
  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 went online and submitted an early payment towards my account because I received a notification that it was over the limit. I returned the next day, June 22, to make the minimum payment due and all of the dates on the calendar were grayed out. The office was closed; so, I waited until today, June 24 to call customer service for assistance. Upon calling customer service for assistance I was told that I am only allowed to make a payment every 6 days towards my account. I advised her that the information given to me isn't listed online or in my terms and conditions; therefore, I didn't know and shouldn't be held responsibility for the $30 late fee on the account. She refused to listen. I then requested a supervisor who basically repeated what the customer service representative said to me. I requested an escalation to another supervisor or corporate official and was told that she was the only supervisor available. I advised her that I wasn't pleased with the way she wasn't listening and that I needed someone to listen and understand that it does not state online or in my terms and conditions that I can only make a payment once every 6 days. She still continued to ignore me and refused to escalate my call. At which time I requested that BOTH of my accounts with ******* be closed and disconnected the call before she was able to say anything else. I now have TWO Fortiva accounts that will be going to collections because of the "I don't care to listen or assist you" attitude of a Fortiva Credit Card representative. I am very disappointed that ******* would rather lose a customer with TWO accounts and that owes over $3000 for a $30 late fee.

  

  Business Response

  Date: 06/28/2024

  Please see the attached. 

  Customer Answer

  Date: 06/28/2024

   
  Complaint: 21896203
  
  I am rejecting this response because: no where on your website or in your terms and conditions does it say that "online ACH payments by electronic check can only be scheduled once every 7 days." Adding this information to your website and terms and conditions is a great way to keep this issue from happening then blaming it on the customer like he/she just neglected to pay their bill. But it's ok. No further communication is needed because I will not be paying not one cents on the balance of either account that I have with Fortiva. I am disgusted with you people not taking accountability for your mistake. What was your mistake? I'm glad you asked. Your card holders need to be made aware BEFORE an issue occur that "online ACH payments by electronic check can only be scheduled once every 7 days." Thank you for nothing and go ahead and send these accounts over to collections or charge them off because I will not, not, be paying them. *smile* Have a wonderful day.
  
  Sincerely,
  
  *********************************

  

  Business Response

  Date: 07/01/2024

  Please see the attached response.