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.
If you've experienced an issue
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:06/12/2023
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.
This complaint is in response to ******** from VIVINT Smart Home, Fortiva is the loan for the equipment I am no longer using the service from VIVINT, I have no use for this loan. Fortiva, acc# ****************. I would like to have this loan remove and off my credit report. Thank you
Business Response
Date: 06/14/2023
Please view attached.Customer Answer
Date: 06/14/2023
I have no use for the equipment from Fortiva, I would like to return this equipment that hasnt work from the beginning. And removed from my credit.Business Response
Date: 07/20/2023
Please view attachedInitial Complaint
Date:06/12/2023
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 rebuilding my credit after a medical issue unfortunately created a hardship. I applied for and was granted a Fortiva Retail Credit Card for Wayfair in May 2023, for the amount of $2700 dollars. My credit report score changed for the better due to this account. I purchased my first item from Wayfair ( $350) and before I even recieved my first bill, my account was closed by ******, without my knowledge or consent. My credit score took a dramatic hit after that. I contacted ******* for a mutual solution and the answer they gave me is they no longer do business with Wayfair. I requested my account be rolled over to another retailer or credit card to prevent the hit to my credit score. They declined. I contacted ******* and they stated they are still doing business with ******* and are unsure what I'm talking about. I feel Fortiva opened an account and are not being held responsible for the issues being marked on my credit report after they closed it without consent or permission. Thank YouBusiness Response
Date: 06/19/2023
Please see the attached response.Customer Answer
Date: 06/19/2023
Complaint: 20175372
I am rejecting this response because: First of all, I just opened my account in April 2023, not August 28, 2021. I would like to request the documentation showing the account was opened in August 2021. Secondly, when an account is closed, the ************************* show a negative impact. Fortiva closed my account without my approval and gave me no option to convert this credit to another means. My credit has been affected despite what ********* of Missouri (Fortiva)" says. If I obtained credit in 2021 like ******* says, and my account has never been past due or delinquent, then my account should be transferred to another means like I was advised would happen by Representative ******. He stated my account would be rolled over to a Fortiva Mastercard. Fortiva can't just be cancelling customers accounts without permission or without offering an additional means.
Sincerely,
***************************Business Response
Date: 06/26/2023
Please see the attached response.Customer Answer
Date: 06/28/2023
Complaint: 20175372
I am rejecting this response because: I am requesting documentation showing when the account was opened and all purchases and returns.
Sincerely,
***************************Initial Complaint
Date:06/08/2023
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 setup auto payment to pay the min each month. On May 1st, they did not take the auto payment out. They text me the day after that I was late and I paid immediately but already occurred a late fee and penalty. I went in and setup a payment for $200. I clicked other and typed in $200 and pay. On 5/31, I received a reminder that $200 would come out which was perfect. Well on 6/1, I get a text that they took ******** out of my bank account!!!!!! I didnt approve that and I didnt get a reminder about it UNTIL the morning it came out. I went $3,000 negative. My mortgage bounced, everything is bouncing and and I literally cant feed my family. I called them and they said I need to call my bank and back and forth. I have a claim but its been 6 business days with no updates. We cant pay our bills or afford groceries. Its also messed up our credit.Business Response
Date: 06/16/2023
Please see the attached response.Initial Complaint
Date:06/07/2023
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.
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. Account name: # ****, has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions. 15 U.S.C ****c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Business Response
Date: 06/09/2023
Please View attached.Initial Complaint
Date:06/06/2023
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 have $700 worth of false charges to my account the I reported to them. With no help and run around they continued to charge my account even if i did not make these charges. They are a horrible company!Business Response
Date: 07/03/2023
BBB#********
Dear *******************************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account.
Our records reflect that on March 2, 2023, you called customer service to report charges made to your account that you didnt recognize.
We conducted an investigation based on a review of all relevant documents, phone calls, and electronic communications from our records and the information you provided. On May 12, 2023, a letter informing you that your fraud claim was denied was mailed to you.
As a part of our investigation, we reached out to merchants in question who confirmed that the charges were authorized. As a result of our investigation, we are unable to resolve this issue in your favor. We suggest you contact them for further information regarding these transactions.
Because you disagree with the information we have reported, we have requested the consumer reporting agencies to change the status of this account to Disputed.
Thank you for the opportunity to respond.
**********************************************
On behalf of Fortiva ***************************** of Missouri is the issuer of the Fortiva Credit Card accountCustomer Answer
Date: 07/12/2023
Complaint: 20151758
I am rejecting this response because this purchases was not made by me nor was it authorized by me. My account has obviously been compromised with your company. I do not recognize any of these merchants or even their locations. The people who made these purchases had my personal information and was clearly able to provide this to use my identity to make the purchase.
Sincerely,
*******************************Business Response
Date: 07/19/2023
BBB# ********
Dear *******************************:
We are in receipt of your additional correspondence to the Better Business Bureau regarding your Fortiva Credit Card account.
We regret your dissatisfaction with our response however our position has not changed.
However, as a courtesy and as a gesture of goodwill, we have issued a customer satisfaction credit to your account in the total amount of $200.00.
Thank you for the opportunity to respond.
**********************************************, Executive Correspondence Specialist
On behalf of Fortiva ***************************** of Missouri is the issuer of the Fortiva Credit Card accountInitial Complaint
Date:06/05/2023
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 called my credit card company because I was unable to make my payment using my debit card. So I chatted with a rep and they stated my account was temporarily closed and that I needed to call this number. I called and told the rep about the issue. She placed me on hold to see what was the issue. Before she could, she hung up on me. Then I repeatedly called back and couldnt get anyone. The automated service kept saying that all reps were busy and to leave a message and then someone will call back. I didnt do that because I wanted to know what was going on. Because I had two accounts and just out of nowhere they closed the second account with no notification what so ever. I didnt find that out until I called concerning a billing issue and I was told. And no explanation was given. Not even a letter. Finally got a rep and then she stated that it was closed because you were paying your account repeatedly. And thats suspicious activity. And of course I lose it. I wanted to a clear explanation. Spoke with a supervisor and she indeed stated that. I want my accounts back. Ive been a loyal customer and there was no reason for accounts to be closed for actually paying my bills.Business Response
Date: 06/14/2023
Please see the attached response.Customer Answer
Date: 06/14/2023
Complaint: 20142794
I am rejecting this response because:
Its a bold face lie. Not one thing was suspicious about my account. I paid each card using the same debit card, checking account and savings account that I always have. So why would that be suspicious. Its just a poor excuse. I faithfully paid my account on time and was never late.
Sincerely,
***************************Business Response
Date: 06/20/2023
Please see the attached response.Customer Answer
Date: 06/20/2023
Complaint: 20142794
I am rejecting this response because:
They are wrong for closing my account for paying it often.
Sincerely,
***************************Initial Complaint
Date:06/05/2023
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.
Went to use the $235 balance on my vanilla gift card( that never left my possession and not shown to anyone) and found i had only $***** left.Used it once 1/14/22 for $265. Card was for $500.Listened to messages about usage on 833 # on back of card. Someone used the number feb 14 twice for *****; and *****; feb 11 2023 for ***** and another ***** same day.After calling number on back of card and clicking onto customer service. No pick for more than half hour on hold. I looked up vanilla card fraud and saw this is the scenario that has happened to dozens who held on for even two hours to get thru to vanilla card number..who know how many hundreds more never report it. So I am reporting it. They all stated that they could not get any of the money back. I used the remaining balance of *****. I lost $169.65.Is there any fraud division I can report this to?***************************Business Response
Date: 06/05/2023
From: ***** K
Date: Mon, Jun 5, 2023 at 8:37 AM
Subject: BBB Complaint ID ********
To: ***** LHi *****,
This complaint is regarding a Vanilla Pre-Paid Gift Card and does not reference Credit One Bank.
Thank you,
Business Response
Date: 06/09/2023
Please View attached.Initial Complaint
Date:06/05/2023
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.
Aspire will not answer my customer service calls nor mail me my credit card that was approved. I have been waiting ************************************ my PO Box above and nothing.Business Response
Date: 06/16/2023
Please see the attached response.Customer Answer
Date: 06/16/2023
Complaint: 20144678
I am rejecting this response because: A payment is due and I have no account number or card to reference, resulting me missing a payment. I never missed a payment due to this company not forwarding my card in a timely manner, Iam accruing payments that I have no reference. I have to wait 30 days? while a statement is being generated this practice is manipulative and deceptive to say the least.
Sincerely,
***********************Business Response
Date: 06/22/2023
Please see the attached response.Customer Answer
Date: 06/23/2023
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:06/02/2023
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.
Purchased the item from Wayfair Nov 2022. The terms from Fortiva was that I'll have to pay $58 a month for 2yrs. Their late fee is $41. I was late making the payment by 3 days. I made the original payment of $58 on April 24th and made the late fee payment of $41 on the 25th. I received the bill for *** for $88. When I called I asked why did the bill go up $30 and could not get an answer from the rep, so I asked for the "manager" who's name was **** who could also not give me a sensible answer. He told me it was because the late payment was not paid in the last billing cycle. I told him that there is an eleven dollar difference between the late fee and the $30 increase. I informed him that I will continue to pay the $58 and that I'll be making a complaint with BBB. I also wrote a letter to ******* with my complaint.Business Response
Date: 06/16/2023
Please see the attached response.Initial Complaint
Date:06/02/2023
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 applied and was approved of a credit card and this company refuse to mail it to my mailing address: PO Box *****, *******, ** *****, I have provided proof of my physical residence. I am requesting an expedited card however the company will not send me my approved card. it's been over 30 daysBusiness Response
Date: 06/16/2023
Please see the attached response.Customer Answer
Date: 06/16/2023
Complaint: 20133980
I am rejecting this response because: I am being charge and have not received my credit card. I was promised a limit of $1,000 and was offered the opposite.
Sincerely,
***********************Business Response
Date: 07/03/2023
BBB #********
Dear ***********************:
We are in receipt of your additional correspondence to the Better Business Bureau.
Our records show that your card was activated on June 28,2023 and purchases have been made to your account.
Thank you for the opportunity to respond.
**********************************************, Executive Correspondence
On behalf of Aspire ***************************** of Missouri is the issuer of the Aspire Credit Card accountCustomer Answer
Date: 07/05/2023
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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