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 105341 Atlanta, GA 30348-5341

  
• 

  Atlanticus

  PO Box 23007 Columbus, GA 31902-3007

• 

  Atlanticus

  PO Box 928486 San Diego, CA 92192

• 

  Atlanticus

  PO Box 428 Simpsonville, SC 29681-0428

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:06/13/2024

  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.

  On May 29, 2024, I was in the process of completing an application with Vivint for security monitoring services. However, during this process, unbeknownst to me, my personal information was used to apply for credit with Fortiva without my consent or knowledge. As a result, a hard inquiry was made on my credit report without my authorization.I want to emphasize that at no point did I agree to open a credit card account or assume any form of debt with Fortiva for the cost of the security system. My intention was solely to avail of ******'s security monitoring services, and I was taken aback to discover that my information had been used in such a manner without my consent.Upon realizing what had occurred, I promptly cancelled the installation of the security system with ******, as I was not willing to proceed under these circumstances. However, the unauthorized credit inquiry remains on my credit report, which has the potential to negatively impact my credit score and financial standing.I contacted ******* on June 6, 2024, informing them of the matter and I also asked them to remove the information from my credit file. They informed me they could not until it was confirmed that I cancelled installation of the security system. I kindly request your assistance in rectifying this matter. Specifically, I would like to have the unauthorized hard inquiry from ******* removed from my credit report. In addition, if they are indicating that I owe them any monies, I want that information corrected as well. It is imperative for me to maintain the integrity of my credit history, especially when it has been impacted through unethical means beyond my control.Thank you for your time and attention to this matter.

  

  Business Response

  Date: 06/26/2024

  Please see the attached response.

  Customer Answer

  Date: 06/26/2024

   
  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:06/12/2024

  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.

  Unconstitutional charges and double charging on home security system already paid.I received below email after inquiring of proof of charges made on this card. No statement has ever been provided .On Wed, Jun 12, 2024 at 11:19AM ************************ <*********************> wrote:Dear *************************,Thank you for the opportunity to serve you. This email is in response to your recent inquiry.We understand your concern. Please be advised that we can mail you a copy of your statements for a minimal charge of $5.00 billed to your account for this service. Please reply to this email if you require a statement copy.We appreciate and value your business. Please let us know if you have any further questions regarding your account.Thank you for contacting ************************.Please note that the information you send to us contained within or attached to an email is not secure until it reaches our servers.P.O. Box ****** | ********************** |************** | www.myfortiva.com

  

  Business Response

  Date: 06/28/2024

  Please see the attached response.

• Initial Complaint

  Date:06/09/2024

  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 originally purchased a home monitoring system from Vivant and the credit services that they use are Fortiva credit services. When I signed up with Vivant, my monthly payment with Fortiva was on a retail credit for $20.45 per month. On 07/10/2023, they claim they sent me an email notification regarding the upgrade option to have a MasterCard with a credit limit of $1500.00 which included a higher monthly apr fee and a higher monthly payment than what was in our original contract. But because I never got the email, they automatically made that change on 08/24/2023, citing that since I have not opted out by the specified date, my Fortiva Retail Credit account has been upgraded to a MasterCard with a credit limit of $1,500.00.I called back in September of 2023 to get this issue resolved and was told that I was switched back to the normal retail account, but found out that they never made that switch. I was wondering why I was paying so much more per/month still. I reached back out on 5/31/2024 via email to ********************* and no issue has been resolved as of today, 6/9/2024. They replied on 6/3/2024 stating that my payments were higher because of the interest (but again - if they had resolved it back in September like they told me they would, this should not be the case). So I replied again (same day) and said that I was switched over without my authorization and wanted this resolved. I do not think a lack of response to a supposed email warrants a major shift like that and think it is bad business. They came back on 6/6/2024 and stated what I said above about the email being sent and saying because I didnt opt out via email, the shift was made. I do not accept this. This seems criminal. I do not want money back - I just want to go back to my original agreement. I cannot afford the higher monthly payments and extra interest, especially since I didnt give any authorization. I will continue to make my payments, but I want to make them at the agreed rate

  

  Business Response

  Date: 06/20/2024

  Please see the attached response. 

• Initial Complaint

  Date:06/08/2024

  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.

  Fortiva credit card has become negligent in protecting customers from fraudulent charges- and in doing so, my credit card is over $50 over my limit. Talked to everyone that works in the office it seems, and no one can ever give me solid answers as to why the charge was allowed to go through in the first place. They admitted to me over the phone they were going to indeed report the overage to the credit bureaus and that the dispute will take 60 to 90 days, if anything is done at all.

  

  Business Response

  Date: 06/11/2024

  Please see the attached response.

  Customer Answer

  Date: 06/11/2024

   
  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:06/07/2024

  Type:Customer Service 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 have a fortiva credit card through *********** I received a refund of $588.68 on 05/02/2024 *************** and I have receipt showing credit back to card. Fortivia will not process credit and reduce my balance. I've been calling them and they keep giving me the run around about applying my credits.

  

  Business Response

  Date: 06/20/2024

  Please see the attached response.

• Initial Complaint

  Date:06/06/2024

  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.

  According to my credit reports (which are being damaged due to several inaccuracies) this company has reported an account to be charged off. Which is true, however the company continues to report the account as **** monthly and I have not received a federal 1099c IRS form. I politely requested this form with certified mail (tracking number: **********************) because it must be filed on both my & the lenders taxes. I am required by federal law to receive this form for any debt over $600. It has been several weeks, I have had no communication with the company whatsoever. I would like help in receiving this crucial financial information that is hurting my credit profile.

  

  Business Response

  Date: 06/07/2024

  Please see the attachment below.

  Customer Answer

  Date: 06/07/2024

   
  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. I will be contacting the proceeding company.
  
  Sincerely,
  
  ********************

• Initial Complaint

  Date:06/05/2024

  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 opened a My ***'s card last year to purchase a recliner. The card was through Fortiva Retail Credit. I paid the chair off in approximately 10 months and haven't used it since. At the time of getting the card, I was unaware Fortiva charges an annual fee as it wasn't disclosed by the salesperson at the store (I wouldn't have opened it if I knew). I have been recently charged for the privilege of a card I used to buy one thing that I paid off last year during the 12 months interest free promotional period. I called Fortiva to reject the annual fee and close my account as I was advised to do by their customer service. When I called, the person I spoke with said the account would be closed and that it was taken care of. Shortly thereafter I received communication stating I was being charged a late fee on top of the annual fee, and that the annual fee was being increased. Upon calling them again, I was basically told I had to pay the fee even if I was closing my account (which hadn't actually been closed following my first phone call to the company) and I was pressured to pay the annual fee even though I repeatedly questioned it and told them I was unable to pay it due to financial hardship. All I want is to close my account and reject the charges I was told I could reject for a card I used once last year and paid off in full.

  

  Business Response

  Date: 06/07/2024

  Please see the attachment below.

  Customer Answer

  Date: 06/07/2024

   
  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:06/05/2024

  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 reached out Aspire several times and they said they was going removed this account, but never have ,yet the keep reporting it to my credit report cause me to have negative impact to my report . I asked to shown me proof of a contract agreement between Me ******* ***************************** ,they never do I asked for proof of my identity they showed any photo proof

  

  Business Response

  Date: 06/07/2024

  Please see the attached response.

• Initial Complaint

  Date:06/04/2024

  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 applied for an aspire credit car early April and immediately was approved. Before getting the chance to use the card myself, I was told by an Aspire representative that my card had been activated from a phone number I do not recognize and used to charge $995.43. To resolve this matter the same representative informed me that a temporary credit would be issued while my complaint is being investigated. It is now 06/04/2024 and I have spoken with multiple representatives, all of which were callous to the fact that I am the victim of theft. Instead I am made to feel as though I am the thief until Aspire decides my innocence. I have recently spoken to a supervisor by the name of ****** and have not received any courtesy or any of the actions promised by two separate representatives that this situation would be reported to the credit bureaus so that my credit would not be negatively impacted by this unfortunate situation. 04/13/2024 $800 at BLOOMIGDALES ********, ******** 04/15/2024 $12.63 ********* STORE ***** ********, ** 04/15/2024 $5.20 LOYAL DELI CORP ******** **

  

  Business Response

  Date: 06/27/2024

  Please see the attached response. 

• Initial Complaint

  Date:06/03/2024

  Type:Sales and Advertising 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.

  My account was a retail account with a $2K limit. I only owe $732 on that account. This company decided to "Upgrade" my account to a $1500 Mastercard and will be transferring that $732 to a $1500 limit. This will tank my credit score. I NEVER asked for this so-called upgrade and they are refusing to do anything about it. I spoke to a rep this morning who was reading off a script and kept saying the same thing to me over and over which is they sent me an email earlier in the year. I get hundreds of emails. Why didn't they call me with something this important? Either they need to raise the credit limit on this MasterCard to $2K or they need to leave me with the retail card.

  

  Business Response

  Date: 06/07/2024

  Please see the attachment below.