Complaints
This profile includes complaints for Atlanticus's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 938 total complaints in the last 3 years.
- 327 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:03/04/2025
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.
Call fortivia ********** credit card and I was informed of a late fee waiver program and they claimed that was the only help for consumers who cant pay!! I opened this account a few years ago with a interest rate of 29% since I have had the card they increased my interest rate to 35% which I never agreed to!! These companies are horrible I was trying to get my late fees removed and they claim they could only do 3 of 4 so they dont want to apply payment towards payment amount due!! Balance was 245$ they claim to be waiving 3 fees but somehow if they are waiving the fees then why do I still owe 245 after 3 late fees removed they told me if I didnt except the offer then it may not be available when I called back!! These companies are scams and shouldnt be allowed to raise interest as high as they want and then wonder why people are behind on payments because they imposed fees and high interest on consumer
Business Response
Date: 03/12/2025
Please see the attached response.Initial Complaint
Date:03/03/2025
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 AM NOT LIABLE FOR THIS DEBT WITH ****/ASPIRE MC CHARTER COMMUNICATIONS ,I DO NOT HAVE A CONTRACT WITH THE **** CREDIT THEY DID NOT PROVIED ME WITH ORIGINAL CONTRACT AS I REQUESTED.Business Response
Date: 03/05/2025
Please see the attached response.Initial Complaint
Date:03/03/2025
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.
For months ******* has been charging me incorrect charges and creating a false minimum payment due. Different from what I am required to pay via their website. For example my minimum payment on the website could be $130 however my statement shows the requirement payment due is $440 Fortiva have been falsely labeling my payments wrong to make me pay higher interest and fees. Thus making my payments be late and report negative to credit bureaua. This is disheartening and a huge issue to my credit. I would like to have this resolved as soon as possible.Business Response
Date: 03/07/2025
Please see the attached response.Initial Complaint
Date:03/02/2025
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.
******* has been told for over one year that I did not want their freaking credit card and they were told for months but they refused to acknowledge my complaint. I have my bank payments send to them biweekly but they refused my payments because they want to be able to deduct from my account whenever they want. I refuse to have any body to have access to any of my bank accounts. They claimed that I have missed 60 to 90 days which ic a total lie and we can go to small claims court and I can bring all of evidences. ******* is a scam credit card company for Vivint Home Security services.Business Response
Date: 03/07/2025
Please see the attached response.Customer Answer
Date: 03/10/2025
Complaint: 23010491
I am rejecting this response because:They still did not correct my credit report. Once that is correct I might accept things.
Sincerely,
****** *****Business Response
Date: 03/13/2025
Please see the attached response.Initial Complaint
Date:03/01/2025
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 March 1, 2025, I received a paper letter mailed from Aspire dated for February 20, 2025. This was a paper copy letter stating that my issue had been resolved on February 20, 2025. However, Aspire has not refunded the $200.00 credit that is owed me because I overpaid not thinking that WYOMING DETECTIVE would refund $200.00 paid him that I had paid him. The company did refund $200.00 to my credit card. This was AFTER I closed the card/account. ********************************************* still owes me $200.00 that I overpaid to the card. It appears this company is fraudulently attempting to keep this money. Police report is still active. I am asking for Aspire to refund my money. I called them three times for them to refund my money ($200.00) and to this date, 03/01/25, they have not refunded my money that I overpaid to my closed credit card. I demand they refund money owed me in amount of $200.00. It appears Aspire is attempting to Steal what is owed me. They still have Not responded correctly, have not sent any paper check as they promised they would do, and I still have not received this overpayment/credit to this date.Business Response
Date: 03/05/2025
Please see the attached response.Initial Complaint
Date:02/27/2025
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 have had a retail card at 0% interest since 2022, and 1/12/25 I was sent an email that I would be upgraded to a ******* card, with no ability to opt out and keep my original card. The new card APR is *****% and my current balance is ********, so I will now be paying interest until it is paid off. I called and they only offered to cancel the card, but were unable to give me back my original account/card at the 0%. I do not like this and I don't think it is right. I would like to make them give me back my original 0% APR card and continue making payments like I was before they forced me into a high interest credit card.Business Response
Date: 03/05/2025
Please see the attached response.Initial Complaint
Date:02/26/2025
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.
While being scammed by vivint via my wife , I was charged by a third party financial company named *******. I contacted ******* who opened a credit card in the amount of $5000 this card was maxed out to the amount of $4256.00 which killed my credit. Being responsible I paid off and threatened vivint with legal action if I am not refunded the amount. Vivint agreed to pay back the amount but only to ******* and advised me ******* will send me a refund check. I contacted ******* who stated they have received a refund but there is a new process to send the excess payment. I have to emailed them a letter via email asking for a refund for the amount wait 10 business days then wait other 10 business days for this check to be mailed out.I emailed this letter three times on February 10 Monday, I contacted them on Wednesday February 24 and spoke to someone who works at their overseas calling center who advised me they do know the status of my refund and I needed to send this official letter.Ive advised them I sent it several times with my account information in detail. They advised me it was the process and cannot get a hold of this mysterious refund department that issues status on refunds. I believe this is a fraud business practice between the two great companies.Business Response
Date: 02/28/2025
Please see the attached response.Customer Answer
Date: 02/28/2025
Complaint: 22993148
I am rejecting this response because:I do not believe this company has any
Intention of mailing me my refund , I did not hear or received a confirmation on my refund being mailed.As Far as now I do not have my refund when I call to check on my refund I get the same exact message that was sent to the BBB. I truly believe this is Deceptive business practices.
I also filled a complaint with the consumer protection agency in regards to fraud.
Sincerely,
******* ********Business Response
Date: 03/05/2025
Please see the attached response.Customer Answer
Date: 03/05/2025
Complaint: 22993148
I am rejecting this response because:Ireceive am email from Fortiga stating my check was mailed out in 02/27/2025, if indeed it was mailed out via express mail I would like a tracking number.
as of today I did not receive my refund.
Sincerely,
******* ********Initial Complaint
Date:02/25/2025
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.
Over the past 4 months....I have made early and advance payments that was the minimum or more; and my bank reflected the checks clearing way in advance of the due date; but the IMAGINE credit card company and it's parent company reflected a date that was always a day after the due date and charged a late fee. (example....payment sent 01/01/25..............payment cleared my bank 1/10/25 but wasn't reflected by IMAGINE until 01/23/25; when my due date was the 21st.This practice is deceptive, and unscrupulous!Mr. *****Business Response
Date: 03/06/2025
Please see the attached responseInitial Complaint
Date:02/24/2025
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.
To Whom It May Concern,I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681i. I am a consumer with the right to privacy under the law, and I have not authorized the reporting or release of my personal information to the companies listed below. Their reporting of this information is a violation of my consumer rights and lacks legal ********** addition to these inaccuracies, I have noticed unauthorized credit inquiries that I did not initiate. This constitutes a case of identity theft pursuant to 18 U.S.C. 1028, which prohibits the unauthorized use of personal identifying information. I do not owe any debt to the entities listed, and I am requesting that these items, as well as any unauthorized inquiries, be removed from my credit report immediately.Please investigate this matter and provide a written confirmation of the deletion of the disputed entries within the timeframe established by law. If any of the disputed information cannot be verified, I expect it to be permanently removed from my credit file.I appreciate your prompt attention to this matter and expect a resolution within the 30-day period stipulated by the Fair Credit Reporting Act.Sincerely,******* ******Business Response
Date: 03/03/2025
Please find the attached response.Initial Complaint
Date:02/24/2025
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.
Transaction date 2-15-25, released 2-16-25. 50$. ********* placed a 50$ hold, released 2-15-25, released 2-16-25 for 50$. Today, 2-24-25 ******* STILL has it as pending. When I call, you get a computer screen reader who does nothing. When I email, I never even get a response.Business Response
Date: 03/05/2025
Please see the attached response.
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