Complaints
This profile includes complaints for Atlanticus's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 932 total complaints in the last 3 years.
- 328 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:04/24/2023
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.
Credit card cancelation,4/15/2022 Called the card company to cancel the cards. Only one card was canceled, cards were never used to purchase anything. We applied for the card in 2021. A month later we change our mind, called to cancel and April 2022 got a letter for a yearly fee. Called again and was told that they would wave the fees and close it. 4/23/2023 just received another statement saying I owe them a yearly fee again.account # ending ****
Business Response
Date: 05/08/2023
Please see the attached response.Initial Complaint
Date:04/21/2023
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 made a purchase last year from Bobs Furniture when I was sold said product i was told it was ***** credit line from Fortiva that was to be paid off in 24 months. I made all my payments and even made a payments to put me ahead of schedule to where I would be paid off fully before the 24 months. I opened my account today to make a payment and i was charged an extra $700 in interest fees, although I am no where near the 24 month ***** As a matter of fact it just barely made one year. When I called Fortiva to speak to a supervisor She was very rude and hung up on me. They sent a hit to my credit score also. This is unfair and illegal business practices as far as im concerned. This is a Lie a flat out bait and switch .Now i am asking the government to step in and help alaw abiding tax paying citizen to remedy this situation. As i read this company clearly has a history of doing this and i do not know how they are allowed to continue. Please help. this is causing alot of mental health and stress issues. This is not fair this is extortion, and in America extortion is illegal.Business Response
Date: 04/24/2023
Please see the attached response.Initial Complaint
Date:04/21/2023
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 had a retail account with fortiva from a vivint system we purchased years ago. I noticed that my monthly payment was higher so I checked the account. It had been changed from retail to a credit card without my consent. When I contacted the company, they said they sent me a notice by mail and I had 45 days to reject the offer. I did not receive a notice with an option to reject. Is this legal? They're basically using my personal information fraudulently. Other companies cannot just open a credit card in my name. The fact I had a different type of account with them should not allow them that right either.Business Response
Date: 04/24/2023
Please see the attached response.Initial Complaint
Date:04/16/2023
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 a fortiva credit card for my VIVINT security services only. Fortiva took it upon themselves to upgrade me and proceeded to run my credit and opened another credit card to uses everywhere. I did not provide verbal or written consent to do so. I called and they said they upgraded everyone that had the services. NO lending service should be able to do that.Business Response
Date: 04/24/2023
Please see the attached response.Initial Complaint
Date:04/13/2023
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'm not liable for this debt; they did not provide original app Fair Credit Reporting Act: 15 U.S. Code ****e - Compliance procedures (a) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section ****c of this title and to limit the furnishing of consumer reports to the purposes listed under section ****b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section ****b of this title.(b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.(c) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.(d) Notice to users and furnishers of information (1) Notice requirement A consumer reporting agency shall provide to any person(A) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer; or (B) to whom a consumer report is provided by the agency;a notice of such persons responsibilities under this subchapter.Business Response
Date: 04/17/2023
Please see the sttached response.Customer Answer
Date: 04/18/2023
Complaint: 19930323
I am rejecting this response because: I am a victim of identity theft and it was reported to the credit bureaus. According to *********** SchoolSearch *******
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LII
U.S. Code
Title 15
CHAPTER 41
SUBCHAPTER III
?1681c1
15 U.S. Code 1681c1 - Identity theft prevention; fraud alerts and active duty alerts
(a) One-call fraud alerts
(1) Initial alerts
Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a(p) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall
(A) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose; and
(B) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a(p15 U.S. Code 1681c2 - Block of information resulting from identity theft
My rights have been violated,
Sincerely,
******************Business Response
Date: 04/18/2023
Please see the attached response.Customer Answer
Date: 04/18/2023
Complaint: 19930323
I am rejecting this response because: credit bureaus have violated my rights under 15 USC **** under the federally
Protected consumer rights law
Sincerely,
******************Initial Complaint
Date:04/11/2023
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 got devices from ideal image that I financed through this company then was charged thrilled the amount that I agreed for! Now they are refusing to fix my account even with them stating to me what was correct and they can clearly see the issue. Then ideal image did not fix it and wont return calls its like they are ************** I want to be in good standing with this company but they are making it hard. Im very upset I wont pay three times something I agreed to. It is not rightBusiness Response
Date: 05/03/2023
Please see the attachment.Customer Answer
Date: 05/03/2023
I am needing more information to make sure that the total amount that is owed is corrected. I would like to know with the refunds that are being issued what would be the ending balance. Also Ideal image sent me a letter I had to sign of a refund amount of 700 and some dollars why would it go down if the contract that I was made to sign was higher than that, that's something I am not understanding. I provided that with my dispute as wellBusiness Response
Date: 05/05/2023
Please see the attached response.Customer Answer
Date: 05/05/2023
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,
Nirvana ****** ********Initial Complaint
Date:04/11/2023
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.
Last February I had Covid and gave me long-term Covid and I fell behind on my payments. I asked if they had a hardship program expired told me no but they said if I make a one time fee, they would waive my fees and take the payment I sent the payment in They didnt waive the fees they end up closing my account then they say I old him fees which we agreed to for my balance to be zero that I try to communicate multiple times I got hung up on replay like didnt understand what was going on nobody notated it was professional at all then they said that if I made another payment of 117, it would get paid off again to zero balance, and I did it again and then now hes saying I owe ********************************************************************************************************************************************************************************** November so Ive been sick the whole past year and I took care of the balance, the whole amount that we agreed upon and then we made another agreement and paid that again and now theyre sitting there just having me keep paying now accounts closed and theyre saying that theres interest rate in late fees that keep accumulatingBusiness Response
Date: 04/13/2023
Please see the attached response.Customer Answer
Date: 04/17/2023
They need to fix the late fees history too
they are playing with my credit they fixed it then undid it and sent it again
Business Response
Date: 04/20/2023
Please see the attached response.Customer Answer
Date: 04/20/2023
Need these three dates removes I spoke to them multiple times and they just removes them and put them back October November and FebruaryBusiness Response
Date: 04/25/2023
Please see the attached response.Customer Answer
Date: 04/26/2023
There is no update on my credit report at all they said they updated it and there is one and I dont see one. Please look into this and fix it pleaseBusiness Response
Date: 05/05/2023
Please see the attached response.Customer Answer
Date: 05/05/2023
And would like a apology please from the company and thats itBusiness Response
Date: 05/05/2023
Please see attached response.Initial Complaint
Date:04/10/2023
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.
Account was closed on February 9th, 2023. Account holder, Fortiva, agreed to close account under 0% interest rate until paid in full. A month later in March, the account was charged interest on the balance owed at a rate of *****%. When contacted, they apologized for the inconvenience and credited the fees they processed back to the account. I asked if the account was still closed and at the 0% interest rate, the representative stated that was correct. The following month in April, the account was charged interest at a rate of *****% (an increase of ****%) plus a late fee of $39.45, after the autopayment that was established in March didn't process.When I contacted customer service again, I was told the account was closed and the interest rate would increase to 36%. I asked how it could increase when the account was closed. They would not give me an answer. When I asked why the fees were being charged, they gave me the credit account summary pasting for their card. I asked to be transferred to a manager, after several minutes of delay, they responded that they would refund the annual fee but not the interest charges or late fee. When I asked about the auto pay, they stated they couldn't see any setup, but could see the notes that the previous customer service had.Although the annual fee was refunded, and in March the interest was credited back. The company continues to change agreements and increase rates on a closed account, which to me constitutes fraud on behalf of the card company.I am looking for solution of reducing the interest rate to the agreed upon rate of 0% and the account remaining closed.Business Response
Date: 04/12/2023
Please View attached.Customer Answer
Date: 04/12/2023
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:04/07/2023
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.
on 2/28 I received an email from Aspire stating that If I paid $271.48 by 3/24/2023 I would receive a $75.00 credit on my statement. It listed three ways to make the payment. Of which I did. I did not receive the $75.00 credit. on 4/7/2023 I contact Aspire via chat and Spoke a ****** ID # *** who told me I would not receive the $75 because I made the payment the improper way. I did not click the link instead I made the payments online and through my online banking. The email didn't specify that the only way to receive the payment was by clicking that link. In fact it listed 3 ways to make the paymentBusiness Response
Date: 04/11/2023
Please see the attached response.Initial Complaint
Date:04/06/2023
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.
on 3/30/2023 I went to Postal Connections in **************, ** and paid ***** to have a payment of ******** delivered by expedited service to Fortiva's payment address of P.O. Box ******, ****** ** 75265-0721. My tracking number was ********************** and shows the payment was delivered on 3/3. Fortiva keeps sending me notice of payment due so I have called every day to report the payment was delivered and provide my tracking number to be told the payment was not received. Even after I provided the tracking number, they say they have no record of payment. I have had problems with this company in the past double charging me by mistake but the concern now is what did they do with my cashier's check and potentially receiving late fees.Business Response
Date: 04/07/2023
Please see the attached response.
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