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.
- 324 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:07/12/2025
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.
Yes Fortiva is charging My account ************* My balance was only $197.70. I refuse to pay extra money.I will pay only my remaining balance.I didn't sign up for any promotions or I wasn't explained nothing else.There fore I will only will be paying my remaining balance of.$197.70. y this is how companies become **** making money out of other people.
Business Response
Date: 07/16/2025
Please see the attached response.Initial Complaint
Date:07/11/2025
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.
Card was not activated and they wanted to charge me ******Business Response
Date: 07/17/2025
Please see the attached response.Initial Complaint
Date:07/08/2025
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 had a credit card with them. I have not gotten bills in the mail I keep getting a text message. The say I owe a balance when I asked why am I not receiving the bills they said its paperless. They stated they closed the account back in May. Im being charged interest and over the limit on a closed account. I didnt even know the account was closed till today. How can they charge all these fees as if the account was open? When I asked questions they got smart with me and told me this is legal. They are supposed to mail me a bill.Business Response
Date: 07/16/2025
Please see the attached response.Customer Answer
Date: 07/16/2025
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.
Sincerely,
********* *****Initial Complaint
Date:07/08/2025
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.
**** bagyou, ******, Lingrad, **** with this company have been incredibly rude. have been harassing . demanded my information about credit cards the **** bag you is now saying that the demands werent made. they did not inform me of who they were when they called just that I provide them with my name and other info. as the calls were recorded you can listen to them this occured at 620 to 720 est time.Business Response
Date: 07/17/2025
Please see the attached response.Initial Complaint
Date:07/01/2025
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 4/3/24, I entered into an agreement with ******* on behalf of ************** for a deferred interest program for a loan of $2073.98. ******* then repeatedly billed me for $129.01 in order to pay off the loan. I trusted that this was the minimum payment needed in order to pay off the loan. This was not the case. The actual minimum payment after doing the math myself was supposed to be about $172.83. I tried calling Fortiva to explain the mistake on their end, and I was informed that I was purposefully quoted the wrong minimum payment and that I should have known that. It is my belief that ******* is practicing predatory business practices by building into their agreements a minimum payment that is designed to make the consumer fail to meet the requirements of the agreement which would result in the consumer having to pay more in interest than they agreed to at first, resulting in profit for *******. The amount that I have personally paid to ******* already not only satisfied the $2073.98, but is actually more than what I owed. When I attempted to contact Fortiva with help with this issue, the manager on the floor began to insult me and speak in an unprofessional manner, and then promptly ended the phone call when I informed them I would be recording the phone call from that point further due to their behavior. The only resolution I am seeking from Fortiva is an adjustment to my account to reflect that I have paid the amount owed and no longer owe Fortiva anything.Business Response
Date: 07/09/2025
Please see the attached response.Initial Complaint
Date:06/30/2025
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 my Fortiva Credit Card on auto pay for several years and never missed a payment. For reasons unbeknownst to me, Fortiva suddenly stopped taking the autopay from my checking account and I did not notice right away. When I realized it, I immediately caught the payments back up and once again put the account on autopay. That was in Feb or March. Unbeknownst to me, the account again fell off autopay somehow. I did not realize it until I checked my credit report. I called and asked how I can get the late payments showing on my credit report removed and was told they cannot work with me. This account is trashing my credit rating and I do not feel that it's fair that their computer system stopped autopayments on my account and they are not even willing to work with me to get the late fees removed or more importantly, the late payments removed from my account. I'm reluctant to even catch the account up to current standing given their refusal to help me in a matter that 1, will cost them nothing and 2, is their fault. Thank you for any help you can offer in this matter.Business Response
Date: 07/09/2025
Please see the attached response.Initial Complaint
Date:06/24/2025
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.
A credit limit was issued for $5,000 without my permission or my knowledge until I receive something from credit Karma that reduce my credit score by 101 pointsBusiness Response
Date: 07/10/2025
Please see the attached response.Initial Complaint
Date:06/23/2025
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.
When opening this account with ****** security I've had issues from the very start. The bill started off at $55.74 . Then they kept saying I had late fees when my account was set up on auto pay. Well, I kept paying out of my account and now I'm going back and seeing they are not changing it back to the original amount for over 7 months. I've only had this account since august 2024. It shows my account on auto pay. The representative always gives me excuses or hangs up on me. I can afford to keep paying an extra fee a month for their system issue. They have my card set up on auto pay but then don't pull the money out till a few days' later. It shows it on my back accounts. I've even called VIvant and the told me they are always having issues with ******* and their customers. I spoke with someone today and they said it will be fixed on my next bill but I wont get a credit. They are claiming im late on the past 3 months but its impossible with the auto pay set up. Please help me fix this. They keep giving me the run around.Business Response
Date: 07/01/2025
Please see the attached response.Initial Complaint
Date:06/23/2025
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.
After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name:12 ASPIRE CREDIT CARD Account #:************* Balance:$1,877.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.Business Response
Date: 07/08/2025
Please find the attached.Initial Complaint
Date:06/22/2025
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.
15 usc 1666(b) and 15 usc ***** b.Business Response
Date: 06/25/2025
Please see the attached response.
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