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

  
• 

  Emerge Credit Card

  PO Box 84079 Columbus, GA 31908-4079

• 

  Atlanticus

  PO Box 105341 Atlanta, GA 30348-5341

  
• 

  Atlanticus

  PO Box 23007 Columbus, GA 31902-3007

• 

  Atlanticus

  PO Box 928486 San Diego, CA 92192

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:03/10/2023

  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.

  Before I relocated to another start I requested to have there credit card closed because I would no longer need it. They kept the account open anyway and proceeded to charge me until it was overdue. The put the card on my credit report ruining my credit. I finally paid it off and told them to close the account and send confirmation that the account was closed, they did. However, a month later here they are starting all over again with the bills and harassing phone calls that I owe them for this month again. I intend to get an attorney and *** for harassment and falsely closing my account when apparently they didnt so they can continue to harass and distort money out of me by threatening to ruin my credit if I dont pay. These people are criminals and liars.

  

  Business Response

  Date: 03/14/2023

  Please see the attached response.

  Customer Answer

  Date: 03/15/2023

   
  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:03/09/2023

  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.

  ****************** LLC charged an interest charge of $489.40 on a credit card used to purchase furniture on a 12 month same as cash promotional term. The furniture was delivered on March 25, 2022. The first payment was made on April 14, 2022. The 12th payment would have been due March 22, 2023. The January 25, 2023 statement did not give us an amount of interest to be charged if the balance was not paid in full. The February 25, 2023 statement shows an interest charged of $489.40. I called to try to resolve this issue and the *** I spoke with said the $489.40 would be waived since we were in good standing. This never happened and I had to pay the balance of $489.40 to prevent further interest charges. I have statements supporting my claim attached.

  

  Business Response

  Date: 03/14/2023

  Please see the attached response.

  Customer Answer

  Date: 03/14/2023

   
  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:03/09/2023

  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.

  This complaint is being submitted because Fortiva ******************** P.O. Box ******, *******, ** 30348-5341, ************** (through **** of Missouri), the issuer of my ********** credit card (********** Home Improver credit card account no, ********* **********, sent me demands to comply with bringing my account current and let me know this would avoid charge-off actions, but after I complied and did bring the account current, as evidenced by the most recent payments that brought my account current, and which I have uploaded along with this complaint, ******* went ahead and charged off the account on March 1, 2023 (even though ******* knew I was working in good faith to bring the account current and had stated I would avoid charge-off actions - also evidenced by the attached payments which ******* issued receipts for). ******* then additionally turned the account over to a collection agency (****************** Services, ***** ************************************ Suite 100, *********, ** *****, **************, collection acct. no. ********). I have disputed the collection activity as of today, March 1, 2023, through ****************** Services, but that was only after I insisted that they give me the information on how to dispute the collection (one of their representatives originally told me they did not have any information on how to dispute the collection activity). I contacted Fortiva to try to resolve this matter, but was only railroaded through a telephone call center with no attempt by Fortiva to provide a solution. The solution I am seeking is for Fortiva (through its **** of Missouri) to fix this situation so that my credit is no longer negatively impacted by this situation (as it should not have been in the first place). Thank you, ***********************, ******************************************************************, **************; email: **********************

  

  Business Response

  Date: 03/14/2023

  Please see the attached response.

• Initial Complaint

  Date:03/08/2023

  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 tried making a payment on my credit card with my **** card which expires at the end of the month (03/23). Aspire will not except my payment because they say that the card is expired. It is not expired. They claim that they cannot except the card because the card has any expiration date of 03/23 even though the card is good until the end of the month. Now they are going to charge me a late fee because they won't except my card. I have not received my new card yet. They have no reason not to except my card because it is still good until the end of the month.

  

  Business Response

  Date: 03/10/2023

  Please see the attached response.

  Customer Answer

  Date: 03/10/2023

   
  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:03/07/2023

  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.

  In accordance with The Fair Credit Report Reporting Act SCA Account **************** his violated my rights. 15 U.S.C **** section 602A. states that I have the right to privacy.

  

  Business Response

  Date: 03/13/2023

  Please see the attached response.

• Initial Complaint

  Date:03/07/2023

  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.

  During the move, the Hardwood floor was damaged and pointed out to the movers before they left. They took a picture and left. I submitted a claim and am now being told that it was a pre-existing condition although this is a brand-new home and the picture was taken after the move was completed.

  

  Business Response

  Date: 03/08/2023

  Please see the attached response.

  Customer Answer

  Date: 03/09/2023

   
  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:03/06/2023

  Type:Product 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 2/12/23 I purchased a ************* money order to pay off my balance on my Aspire credit card in the amount of $741.19. I mailed the payment the same day. After a week the payment had not posted so I started calling and speaking to customer service reps, giving details about the money order and when it was sent. I was told just to wait to see if it posted in the coming days. I became concerned when my payment due date (2/27) was approaching. The third or fourth time I spoke to a representative, on 3/2/27, was when I was first informed this company did not accept ************* money orders for payment. Prior to this I had always been told they had not received the payment. I was told that I needed to "trace" the payment. I called the ************* automated system and found the money order had never been presented for payment, which makes sense if Aspire was in possession of the money order but not trying to negotiate the money order. It was thus impossible to "trace" the money order since they had possession of it. On 3/2/23 I spoke with a customer service rep who seemed to understand the situation She put in a request to locate the money order. However, on 3/3/23 I received an email stating that my account was suspended until I paid $132.50. This upset me since I was asked to give them 5 business days for them to conduct their research into the location of the money order. I contacted them through their chat on their website and was eventually connected with "*****", a supervisor. "*****" saw in my account notes the request to locate the money order. I asked if they suspend other accounts that are 4 days past due and he said MY account was suspended until I paid. He would not give details about how the $132.50 was calculated but said it included a late fee, which they had previously said would be waived. He said if my account had a credit balance then I could request a "refund" of the late fee. I want the money order returned, any fees waived.

  

  Business Response

  Date: 03/14/2023

  Please see the attached response.

  Customer Answer

  Date: 03/14/2023

  This is extremely frustrating. Let me be clear. The money order has NEVER been paid, it remains unpaid as of March 14, 2023. Therefore, it is IMPOSSIBLE to trace it. It is IMPOSSIBLE to make a copy of the money order. I truly do not understand this company's inability to comprehend such a basic concept.

  For example, if they had refunded the late payment to me by paying me with a check and I placed it in a desk drawer at my house and forgot about it, then contacted them asking about the refund, what would be their response? They would tell me they had mailed it to me. What would they do if I said I have no record of that, and prove it to me by tracing the check and provide me a copy of the cancelled check? It would not be possible because the check would be in my possession in my desk. This is analgous to my situation - I mailed the money order to the address they provided. It has never been negotiated. This is not a case where the money order was applied to a different account. It is not a case where a third party cashed the money order (at least not at this point). In those situations I could trace it with ************** If they want it traced, it was mailed to their payment processing center in ******, *****. What they did with it I cannot say.

  Finally, under the Generic Cardholder Agreement, under the Alternative Payment Methods section, the document states that payments can be made by "certified check or money order" to the "payment address".  I have been told by the mpanys customer reps that they do not accept money orders. This is obviously incorrect. Their own document authorizes a payment made via a money order.

  If they will simply return the money order I mailed to ****** I will gladly pay off the balance of my account. I made my payment timely, did so with an approved form of payment,and sent to the address they provided. I feel I have been extremely patient with this company. 

  

  Business Response

  Date: 03/15/2023

  Please see the attached response. 

  Customer Answer

  Date: 03/16/2023

  On or about March 2 I spoke with a customer service rep about my account, explaining the situation She stated she would fill out some form that would in essence ask the ****** processing center to locate the money order. At this time I was being told that payment via money order was not allowed, so I presumed it was probably with some other group of payment instruments that had defects, like other money orders, incomplete checks, etc. She asked me to allow 5 days for this process to be completed

  Today (March 16th) I tried checking on the status of this process. I spoke online to two people. I do not remember the first person's name, but they referred me to a supervisor named ******. On the evening of March 15th I again checked the status of the money order and it remains unpaid. (For reference purposes the money order is ***********, the amount is $741.19 The telephone number to check the status is ************. Date of purchase 02/12/23) I invite the BBB or the company to call and check to see that this purchase was made and that the money order remains unpaid..

  I told both peple I spoke to today that all I wanted to do was to check on the status of the request to physically locate the money order. I am unsure as to whethr the request was ever made or that it was done, or if in fact made, or whether I was just misled that there is even such a form or process. I was again provided a lot of cut and paste "information" about tracing the money order, about needing to provide "legible copies of the front and back of the cheeck" and being told that my financial institution could provide this. I was told this would have to be provided before any search could be conducted.

  Of course all my questions as to how or why this be done were ignored. How could my financial institution trace the money order (not a check as they kept saying) if it had never been cashed. How could the financial institution provide me a copy of the money order that had not been cashed. Why would they need a copy of the money order to simply conduct a physical search? Was a form filled out on or about March 2nd? Is there even a process or am I just being misled every time I speak to someone?

  I would suggest that there be a good faith search to locate the money order physically. A simple call to western union will prove that I purchased the money order two weeks before the due date of the next payment. Although I cannot prove that it was mailed I can state that I mailed it in the envelope with the payment slip on the 12th. It was a money order, what purpose would it serve me to hold it? The cash is gone, it is not sitting in a bank somewhere. It remains unpaid. If the money order is not located then I can stop pyment, for which I will incur another charge It can also apparently take up to a month, which means my account will also be charged additional interest during this time. 

  It seems VERY unfair to me to have tried to pay off this account on February 12th and to incur these additional costs. My balance was $741.19. I made the payment that both parties agree was an acceptble form of payment based on the Cardholder Agreement. Now my balance has increased. it will presumably do so again. I will have to go to a ************ location to scan the money order since I do not have a scanner at home. The stop payment charge will be deducted from the $741.19 amount of the money order before the refund of the balance. I estimate am going to incur additional charges and costs in the neighborhood of $70 to $80.

  And more importantly to me is the possible reporting to reporting agencies that my account is delinquent. I do appreciate that the late charge has ben ****** and that no payment is due as we attempt to resolve this situation, but I would like something in writing acknowledging that nothing derogatory will be reported. I will wait to stop payment until I hear the results of the purported search results..If the money order is located that would clearly be the easiest and fastest way of resolving this.

  Thank you

  

  Business Response

  Date: 03/17/2023

  Please see the attached response. 

  Customer Answer

  Date: 03/17/2023

  Thank you for your latest crrespondence.

  I have to admit I was disappointed with the content. No answer was provided about the form that was allegedly being sent to the ****** payment processing center, or if in fact such a form exists. Just a conclusory statement that you did not receive the payment. 

  Based on my review of the Cardholder Agreement there is an arbitration clause for disputes, but also this clause does not apply to lawsuits filed in small claims courts. In this regard please provide me with information regarding who I *** serve with a small claims lawsuit, I need a registered agent for service along with an address for service. Or should you prefer your company can waive service and avoid the costs associated with service. In the event I pursue this course of action I will be requesting that the court provide some limited discovery so that I can prepare for trial. 

  Your representatives have misled me about and during this entire process, which has caused delays and has resulted in monetary damages. I am a litigtion attorney in *****, My bar number is ******** in the event you wish to confirm this statement. At this time I intend to handle this myself; I do not intend to hire an attorney to pursue claims of breach of contract, fraud, or deceptive trade practices, although that *** change.

  Thank you in advance for your assistance

   

  

  Business Response

  Date: 03/29/2023

  Please see the attached response.

  Customer Answer

  Date: 04/04/2023

  I have been contacted by counsl for Aspire regarding this matter.. We are currently working on resolving this matter, although issues remain oustanding such as an harm to my credit rating from any reporting by Aspire. While counsel for Aspire has assued me that this will not occur, I do not have any documentation assuring me that this will not take place. I am also awaiting a payoff amount from Aspire. So, while I am hopeful this matter can be resolved, I am hesitant to close this matter with the BBB.

  

  Business Response

  Date: 04/06/2023

  Please see the attached response.

  Customer Answer

  Date: 04/11/2023

   
  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:03/06/2023

  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 called to close my account prior to an annual fee charge. I am aware there is a monthly maintenance fee charge that does not stop and I was only calling to close my account to avoid the annual fee charge. I was later charged ***** annual fee after I closed my account. I called and was told on a recorded line the fee will be refunded. This was not done. I reached out again and got email response that did not address my concern at all it only stated what already happened, that I got the fee. This must be refunded as I closed my account prior and was told on the phone on a recorded line this would be refunded.

  

  Business Response

  Date: 03/13/2023

  Please see the attached response.

• Initial Complaint

  Date:02/28/2023

  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.

  This complaint is about my Aspire credit card account & company with regards and accordance with the ********************************************************************************* that there would be changes to my APR, interest rate, and fees. violation happened five times. 2/28/23 Spoke with a ************************** (escalation manager) at the corporate office, ID number **** which is related to the recorded call and conversation. I express my concerns that my APR interest rate & fees had been raised five times without written notification which is stated in the federal law inaccordance with 2009 credit card app.I explained to him that I understood that I had a variable rate which meant that those rates, fees, and interest could go up or down. he concluded no damage was done. Lacked insight of the federal law. I presented the ************************************ writing of these changes with a breakdown. violation has happened five times without written notice of these changes. I asked *************** was it possible to reduce any of these charges and interest rates and fees accrued. *************** stated to me that there were no changes to my account and that my APR has remained the same from the beginning of our commerce. it wasn't until I presented him with statements that he then finally acknowledge that there had indeed been changes to my APR, fees, and interest. At this point *************** made it clear Aspire CC is not willing to do anything that would make me whole Even if there was a violation. Because these changes happen so fast almost every month July 2022 until January of 2023. The damages that I would incur if I just stop paying these charges or cancel my account would cause more harm than good. I'm asking for any type of help from the BBB or any suggestions to help resolve this matter. Please post this for other consumers that do commerce with Aspire so that they may be aware of their unlawful practices.would not be willing to resolve this in any way. Thank you Frh

  

  Business Response

  Date: 03/17/2023

  Please see the attached response.

• Initial Complaint

  Date:02/27/2023

  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 this letter to dispute ******* representing the account for Vivint. ****** has already picked up the equipment. I felt pressured into buying the equipment and service. The sales representative caught me in a moment where I was overwhelmed with my grandchildren. I am disputing the debt following all the deceptive and misleading representative and company. All of the following conditions I was given have been proven to have been a lie.The first promise was that I wouldnt be charged until January 2023. I was promised that my credit wouldnt be hit. I was not told that I had three days to cancel. When the representative collected my credit card information I was told only a couple of fees would be charged.I also never authorized for automatic payments.I have called many times about this issue and kept getting the same promise of upholding the salesmans offer of no charge until January 2023.It never was honored. They are STILL sending me a bill from equipment I no longer have. Although I have disputed this charges with ******* and Vivint, I have not heard anything from them. The company can not provide me with any itemized list of charges and thats a very big red flag. I now have this $2,660.06 still lingering. This whole experience has been misleading and the company has been very furtive: I need this account to be resolved. I need my credit card information to be taken off their database. I need the charges to my account to stop, the statements need to be stopped. I was made to sign things I have no idea what they were. This company seems to have a secret agenda and scamming people out of thousands of dollars. I do not owe them anything.

  

  Business Response

  Date: 03/13/2023

  Please see the attached response.