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.
- 325 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:11/21/2022
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 would like to ask the company to remove the account ************ immediately from all three credit bureau's Equifax, Experian, and *********** as it showing inaccurate information.
Business Response
Date: 12/20/2022
Please see the attached response.Initial Complaint
Date:11/20/2022
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 begun making payments to Fortiva on 4/22/2022. All payments were sent via my bank. The payments were scheduled to be paid on the 22nd of each month. After the first couple payments were posted on the correct date, I noticed the next 4 payments were posted days after the payment due date. I called, got one fee waived. I checked my bank account and all payments were sent on the correct date, ******* was just posting them after my due date so I then accrued a late fee. I am asking for them to waive the $112 in late fees so I can pay this off on time.Business Response
Date: 12/15/2022
Please see the attached response.Customer Answer
Date: 12/21/2022
Complaint: 18443833
I am rejecting this response because: I would like 2 more credits of $41 totaling $82.00 applied to my account. It will get me on track to paying it down from the original price.
Thank you for your kindness.
*********************Business Response
Date: 12/27/2022
Please see attached response.Initial Complaint
Date:11/19/2022
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.
A payment was scheduled for this company for November 4, 2022. On November 3rd I had to cancel the payment. On November 7th the payment still processed through my bank account causing me to miss a payment with my gas bill. I contacted this merchant and asked for a refund which I was told it would take **** business days. **** business has come and I still have not received my money back in the amount $106. None of the customer service representative tried to further see what they could do including the supervisor who then tells me a ticket needed to be created for a refund and none was created. So I waited 7- 10 business days for nothing now I'm told to wait another **** business days, that is unacceptable and I want this expedited and I want my money back because this caused me to miss a payment on my bill and now is not a good time for that. I was already having financial trouble. I am a single parent and I have just been trying to get things back in order. I just want my money back immediately and this company needs to do better in helping customers.Business Response
Date: 12/16/2022
Please View Attached.Customer Answer
Date: 12/16/2022
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:11/16/2022
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 company reported a late fee on my credit report even though the account is set up for auto pay. In addition, I was overcharged for my equipment when I signed up for Vivint they open the Fortiva accounts making it seem as though Vivint, and for Teva were one and the payment was coming out of one transaction and later informed that its a separate transaction and I have a credit line of $4000 which they fully charged, ruining my debt to income ratio as well, I asked for itemized statement they sent me incorrect information when I asked charges I was told that I would have to call Vivint who told me to call for cheaper. In addition I am receiving emails from a company under the name of Atlantis instead of atlanticus, so its being relegated to spam! The entire experience has been And absolute nightmare. I submitted payment. I reenroll auto pay at this time. I need the late payment reporting rainbow healing. Its unfair to me as a consumer and unfair self tactics.Business Response
Date: 12/13/2022
Please see attached response.Initial Complaint
Date:11/15/2022
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 Tuesday, November 15, I called Fortiva Retail Credit to request, for my parents, an English bill. The bill they received is in Spanish, and none of us speak Spanish.After contacting a representative, and his supervisor, we were told that the language of the bill could not be changed without the permission of "the account holder," who is deaf. I do not understand why such a reasonable request could not be easily resolved by the representatives of "the account holder."Business Response
Date: 12/06/2022
Please see response attached.Initial Complaint
Date:11/15/2022
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 8/20/22, I visited the American Freight furniture store on ********. in **********, **. Upon entering the store, I was told that they had two financing options available, a three month zero interest financing plan available to everyone and a 12 month zero interest option available to well qualified customers. After filling out the financing application in the store, I was told by the store representative that I qualified for a $2000 credit line at the well qualified buyer rate of 12 month zero interest financing though Fortiva Retail Credit. At the point, I decided to purchase a living room furniture set costing $1385.20 using the offered 12 month zero interest credit line. On 11/13/22, after making a number of on-time monthly payments, I looked at my credit statement for Fortiva, and was surprised at how much was still left to pay off. After further investigation, I discovered that I was being charged *****% interest from the time of purchase! I immediately called the ************************ line, followed by the American Freight store manager. After being bounced back and forth between the two companies more than a half dozen times, I was ultimately told by the American Freight corporate office that they were aware of this misleading promotion, but there was ultimately nothing they could do. I feel completely taken advantage of by both American Freight and Fortiva Credit! I made this purchase under complete false pretenses, and had I known that I would be charged *****% interest immediately, I would have either paid for everything upfront or sought other financing options at another store. I paid off the full balance today to prevent incurring further interest, however I absolutely feel that I should be refunded the two months of unfair interest that I unknowingly incurred as well as the $79 application fee! This is an absolute scam and I want to ensure that other customers are not egregiously taken advantage of in the same manner I was!Business Response
Date: 12/01/2022
Please View attached.Initial Complaint
Date:11/10/2022
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 have an account with them a credit card and fell on hard times (on social security disability) I'm paying ***** monthly to them and yet they will not stop late fees, over the limit fees!!!!! I'm working with a debt consolidation company Green ***** but can not send a proposal till February, I get that, but I'm trying and this is crazy it will never be paid. And they are not reporting correctly to my credit report I told her that also!Business Response
Date: 12/08/2022
Please see attached response.Customer Answer
Date: 12/08/2022
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:11/10/2022
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.
Hello on October 25th 2022 i signed into my credit account and seen i had a fee of 49$ which wasn't there the day before on 24th and on the 23rd so I paid it I realized they put a balance on card then made do date 3 days earlier to make it look late when in fact the 49$ fee shouldn't have been due till November 25th I contacted them and they apologized and corrected the billing Eara, after that i closed account on 25th the 49$ fee was a membership fee due annually but since I closed account they refunded me my $49 fee but they put on my account as a negative $49, then they reported to my credit report that i settled with them for a lower amount and account was settled unsatisfactory, I paid card off in April 2022 and never used again so there was no balance to settle they have been very sneaky with closing accounts have had to do 3 times to get accounts closed. I have the screen shots of all info discussed in complaint to prove what they did. All i want is for them to put on my credit report Paid on time and never late like it is supposed to say, I have excellent credit aside from this sneaky company, Also the company is" Fortiva " for" Bobs furniture" or" My Bobs" its the finance company the furniture place uses for purchases but i was digging " Fortiva "could be "Aspire"" and managed by "Atlanticus" very shady company, thank you any help you could give to get my credit report resolved would be very appreciated, also have credit report agencies looking into it also, please contact me by cell or email if you need copies of my screen shots, thank you again.Business Response
Date: 12/07/2022
Please view attached.Initial Complaint
Date:11/08/2022
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 July my debit card had expired. Wasnt aware that my debit card was attached to this account. Fortiva never even made me aware. I have several cards linked to different accounts so any little helps. Vivint who is a partner with ******* did their part and made me aware that my card expired. We fixed it and was set up back with my automatic payment. When I get the notice that im behind its been already a month or two. I call them and I make the payment to correct it and also set up with auto payment withdraw and then i was instructed to let the payment go thru. So i waited and who ever I spoke with I gave them my info... and here we go again with late fees and that my card is still expired 3 or 4 months down the road. So now they are getting me with late fees. Worst company Ive ever had to deal with. If need be...please stay away. I'll save you headache. Sounds like some of the other complaints on BBB. Had I checked BBB before...there would be no way i would have chosen fortiva. Vivint pick a different financial partner for your equipment. Terrible experience overall. Extremely upset. These guys cant handle a simple problem that could have been solved months back. Still working on the issue... why do i have to keep paying late fees when ive already done my part... sounds like a scam...BBB please help. This is the only company ive had a problem with.Business Response
Date: 12/06/2022
Please View attached.Initial Complaint
Date:11/08/2022
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.
Fortiva Credit is double charging me for a product since October 10th. They refuse to correct the problem in a prompt manner, informing me instead that it will take another 1-2 months. And in the meantime expect me to pay for a product that has already been paid in full. *** tried to resolve this with them numerous times but just keep getting the run around.Business Response
Date: 12/06/2022
Please see the attached response.
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