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:05/20/2025

  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 ontained a credit card from this company and started paying back my balance immediately. Within a year I got injured in an accident and missed a few payments due to being out of work. When I slowly returned to work and started paying again I was issued a letter through the mail that stated that they were going to close my account if I didnt make payment immediately-a writ is what they called it. I signed their writ and responded through the mail and made payment online as usual. Soon I was hit with a collection agency notification informing me that my account was closed and ****ed as such on my credit report-they, the collection agency, demanded that I start paying them instead. I disputed the information on my credit file and told the agency that this account was never closed and that I signed an agreement with ******* to pay them so I was making payments as agreed, A month or two later, the **** was dropped so I started making payments again. I have been working on my credit with a few agencies and was presented with a notice that paying $2.00 immediately on my ******* account would help raise my score today. So, I go in the app to pay it and see yet again, a notice that my account has been sold to another collection agency. I sent them an email demanding that they take my account back from the agency that they sold it to if they wanted to get paid because this going back and forth stuff knowing that I WAS paying them, has been BEYOND RIDICULOUS and is unethical business practices! I also let them know that I was reporting them to the BBB

  

  Business Response

  Date: 05/22/2025

  Please see the attached response.

• Initial Complaint

  Date:05/19/2025

  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.

  05/15/2025 The problem is I made a payment arrangement with ******* 9 months ago which they accepted it . I made 80 dollars payments but they were returned. I never received a phone call or letter informing me of this error. So I called them and found out what was going on with the payment in January 2025. I also made another payment arrangement for 80 dollars which they accepted. So why was it sold when I made the payment arrangement. Now the account is removed from the crecit bureau. Why. That is wrong . It should be onthe report.

  

  Business Response

  Date: 05/22/2025

  Please see the attached response.

  Customer Answer

  Date: 05/22/2025

   
  Complaint: 23349379
  
  I am rejecting this response because: fortiva needs to send the statements with the account number and put it back on the ********************** report.    Like I already mentioned I am in a hardship financially and mmi needs
  The statement with the account number which Fortiva has not the third party. 
  Sincerely,
  
  **** *****

  

  Business Response

  Date: 05/27/2025

  Please see the attached response.

  Customer Answer

  Date: 05/27/2025

   
  Complaint: 23349379
  
  I am rejecting this response because: they are not addressing the complaint.   I asked for the statement to be mailed and an account number.  They are declining to respond.   They did not fill the request previously .  Also one more thing.  The third party company that they keep referring to doesn't have the account number or statements for Octobet 24 till February 2025.  I suggest they take a look at the phone calls for December through February. 

  
  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:05/18/2025

  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 account has been paid in full for years and I requested that they close the account back in December 2024 after they decided to start charging a maintenance fee to keep the account open. I have chats saved showing documentation that the representative confirmed that they would be able to close the account and refund the maintenance fee that they originally charged to the account which had a zero balance. They then continued to charge me maintenance fees and then charge me late fees when the account was supposed to be closed back in December 2024. This is the second time I'm asking them to fix my credit report as this is the second time that they've falsely claimed that I am 30 days late on the payment. In the credit bureau status, my account is showing is closed which somehow they're still documenting that somehow I'm 30 days late on the payment. This customer service is absolutely terrible and I'm very concerned that they have an A+ better Business rating. I have multiple documentations showing that this account was supposed to be closed and I would not get charged any longer. However, this is the fifth time I'm dealing with this. I want them to confirm that they've closed my account. I want them to get the proper documentation on the better Business bureau rating. They should not have an A+ when everyone is reporting a one-star rating for them and I want my credit score to not be affected again as this is extremely distracting.

  

  Business Response

  Date: 05/22/2025

  Please see the attached response. 

• Initial Complaint

  Date:05/16/2025

  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.

  A salesman came to my house offering the Vivint home security service and I purchased it in 6/1/24 months later I receive letters from fortiva and get 2-3 different credit cards with my name sent to me which I never got activated or anything. It is illegal to send out already ready to use credit cards with someones name, Ive also been getting emails that my account is past due and I have no knowledge of usage of this card. I dont want this card and dont want it to impact my credit

  

  Business Response

  Date: 05/23/2025

  Please see the attached response. 

• Initial Complaint

  Date:05/14/2025

  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 never used the card as I was able to get medical and dental insurance through my workplace. I called them and Aspen Dental two times to cancel and was told that this card was cancelled and Fortiva would be reimbursed and I would be charged for the initial visit of *****. I have since received bills with a $3,000 balance. I DID NOT USE THE CARD and canceled it twice. Have not received a bill for the ***** I was supposed to owe. I do not want them sending me to collections as I never used the card.

  

  Business Response

  Date: 05/20/2025

  Please see the attached response.

  Customer Answer

  Date: 05/20/2025

   
  Complaint: 23329465
  
  I am rejecting this response because: I am still receiving billing statements stating my balance is $3,000, as well as my payment is almost $200 toward that balance.  So, even though you state the account is closed, please explain to me why I have not gotten a corrected bill for the initial visit I had at Aspen dental and continue to receive billing statements stating my balance is now over $3,000.  I was told by both ************ and a *** at ******* the account was closed, however if it is closed I would not still be receiving statements reflecting a balance of $3.000 or letters stating that my monthly payment is past due and charging late fees.
  
  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 05/23/2025

  Please see the attached.

  Customer Answer

  Date: 05/23/2025

   
  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.Please send me a billing statement reflecting the $0.00 balance in the next 14 days.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:05/14/2025

  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.

  ******* is saying that I did not make the Feb. 2025 payment on my account, so they are saying my account is delinquent and have been charging me late fees. I've talked with them numerous times via telephone and emails but to no avail... I need your help getting a resolution to this dispute and getting my account corrected.

  

  Business Response

  Date: 05/21/2025

  Please see the attached response.

• Initial Complaint

  Date:05/12/2025

  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.

  hospitals nudge patients away from financial assistance and towards higher cost financing programs. *****, is an example that hospitals employ to misdirect patients away from charity care. These include (1) presenting medical payment products as a financial assistance. I wasnt aware of other options. Now ***** has illegally reported a medical debt on my credit reports to all reporting agencies. Thus, as other complaints I have never been able to login to the website, nor have I received an invoice for services. I will be sending my complaint to the the secretary of the state department and to the relevant authorities to have my credit report cleared of the ***** I did not receive any medical treatment. I only took my neighbor and child to be treated at the hospital. Was there five hours and the child was given a pill for an upset stomach. I got a bill by signing a credit contract for 1400 plus dollars and a past due bill and late charges.

  

  Business Response

  Date: 05/23/2025

  Please find attached the response.

• Initial Complaint

  Date:05/10/2025

  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 credit card company has reported a late payment on my credit report from December 224 to my transunion credit report. I have disputed this 3 times with ********** and the dispute has been in my favor and the late payment has been removed all 3 times. ******* keeps adding the late payment back to my credit report even tho I have provided proof I was never 30 days late! I have even offered to settle with them and my account is closed and they have refused! They keep charging monthly fees and maintenance fees! I want this late payent removed off of my credit report once and for all and for this company to stop adding it back when all 3 credit bureaus have ruled in my favor.

  

  Business Response

  Date: 05/18/2025

  Please see the attached response. 

• Initial Complaint

  Date:05/09/2025

  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.

  05/10/2025 I requested statements for October 24 through February 2025. They said they were going to send them and now they are refusing to send them. I need them sent as soon as possible. I owe ******* and I need to see them. They are not online for the Fortiva master card. They are giving me t he round around.

  

  Business Response

  Date: 05/14/2025

  Please see the attached response.

• Initial Complaint

  Date:05/07/2025

  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 company routinely reports accurate information to the credit bureaus. And is accruing unreasonable, unwarranted and undisclosed repeated charges completely inaccurately keeps up with the balance owed. None ofthe numbers add up to balance owed. This company is running a very fraudulent company. Praying on Americans.

  

  Business Response

  Date: 05/15/2025

  Please see the attached response.