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:02/10/2025

  Type:Order 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.

  Fortiva Retail Credit is using my phone number to inform ***** *. that payment is due. I do not know this person or the company. The problem started in September 2024 with a "Welcome to the Fortiva Retail Credit Family." I've contacted them several times. The Fortiva person assures me that the phone number will be deleted. Text messages were received for September, October, December 2024 and January 2025.

  

  Business Response

  Date: 02/12/2025

  Please see the attached response. 

  Customer Answer

  Date: 02/12/2025

  Executive Correspondence Team seems to have provide everything that is needed, though I'm reluctant to accept or reject the Business Response.  The proof is in the action which will take place on or around the 26th or 27th of the month.  The text messages asking for payment arrive on those days.  On September 16, 2024,  the same Executive Correspondence Team on behalf of Fortiva Retail Credit said, "This will confirm that your phone number has been removed from our records."  Three more text messages were sent.  If this complaint can be kept open until at least a week past Feburary 27, or March 7th, that would be more ideal and provide verification that the proper action was taken.

  

  Business Response

  Date: 03/10/2025

  Please see the attached response.

  Customer Answer

  Date: 03/16/2025

   
  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 as long as they continue to not use my phone number.  

  I was reluctant to accept Executive Correspondence Team On behalf of Fortiva Retail Credit response because they provided the fraud department number. My experience with the 'fraud department' and the phone number indicates the department does not exist.  The same folks who answer for Account ******************** answer the 'fraud department' line. 

  The main point is they stopped using my phone and continue to do so.  I must accept the response.
  
  Sincerely,
  
  Hrolf ****

• Initial Complaint

  Date:02/05/2025

  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.

  I purchased a ********** treadmill a few years ago using Fortiva credit. I paid off my loan. I received an email today saying my payment is due soon. I was charged $79. I was never notified that I would be having a payment coming out. I was told by a ******* customer service agent saying they notified me in October that I would have a charge. I went back through my emails and was never notified about this charge. I just want this $79 removed from my account.

  

  Business Response

  Date: 02/10/2025

  Please see the attached response.

• Initial Complaint

  Date:02/04/2025

  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.

  Im not liable for this debt with *********************. I do not have a contract with *************************, they did not provide me with original contract as I requested

  

  Business Response

  Date: 02/06/2025

  Please see the attached response.

  Customer Answer

  Date: 02/06/2025

   
  Complaint: 22896708
  
  I am rejecting this response because: I do not have a contract with *****************. I never entered or agreed to pay them. 
  
  Sincerely,
  
  **** *****

  

  Business Response

  Date: 02/12/2025

  Please see the attached response. 

• Initial Complaint

  Date:02/03/2025

  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 had a contract with this company. They are reporting that I have a delinquent account with the ********************** bureaus and it is negatively impacting my credit score. This needs to be removed from my credit report.

  

  Business Response

  Date: 02/11/2025

  Please see the attached response. 

  Customer Answer

  Date: 02/11/2025

   
  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:01/31/2025

  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.

  Charges and service not rendered should have made adjustments on the account

  

  Business Response

  Date: 02/25/2025

  Please see the attached response.

• Initial Complaint

  Date:01/30/2025

  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 paid a credit card bill to this company between jan 23 2025 and jan 25 2025.i have 2 accounts with ********** i tried to look at my account thru the mobile app which requires a verification code to log in after inputting my name and password.i always get the code thru text but it never came this ti**** tried again,same ********,i called them to see what the problem is.for some reason,i could not be verified as normal after giving my phone number,i was told,no account with that number.i asked to speak with a manager.he verified who i was and was told the phone number was taken off because i was called by them yesterday and i told them not to call me any more as i thought it was another spam call and the person identified as aspire home financial and when i asked what do you want,they said something about helping with debt or something to that effect.i have no dealings with them and i get so many calls similar and its all spam so i told them to stop calling me.because he identified himself wrong,my number was taken ******** forward,i got back into my account and on checking,i saw one of my accounts was marked past due.i asked whats that about he said i didnt make a payment in january 21.i said i did so i told him check my account good because i have email receipt of payment.he told me that yes a payment was made to my other account.i said why when i specified the account to be paid.i normally pay on the app but because i was a few days late with payment,before i paid i asked them to waive late fee which they did of $41.i then said i want to bring the account up upto date with a payment.i made the payment but they put it on the wrong account they say.why would you waive the late feeon the account but post payment to another account?makes no sense so he said he will rectify it but i dont see it rectified.i went thru all that because someone made a mistake but im penalised for it.they need to make it right with **** have a stellar payment record and wanted to keep it t

  

  Business Response

  Date: 02/12/2025

  Please see the attached response. 

  Customer Answer

  Date: 02/12/2025

   
  Complaint: 22880654
  
  I am rejecting this response because:i havent seen any adjustments on my account and they added a $41 llate fee that was waived weeks ****** tired of them trying to ruin my credit.every month they try thieving tqctics and its not fair what so ever.
  Sincerely,
  
  **** *********

  

  Business Response

  Date: 02/17/2025

  Please see the attached response. 

  Customer Answer

  Date: 02/17/2025

   
  Complaint: 22880654
  
  I am rejecting this response because:i cant see the corresponding letter.they have now put back the past due on my account and locked me out of the mobile app.

  on feb 4 2025 @259pm,i spoke with ***** id #****** and explained the problem.she looked into it and told me i had to only pay $42.75 on card ending in 6648 after taking off late fee they waved and never took off and told me because its going to be rectified and payment put to the right account thats my payment.when i went to pay,on my mobile app it said $52.38 so i paid that.on feb 21 2025 when a payment was due,it still wasnt rectified and the manager i spoke with broke it down and waived another late fee that had already been waived and told me $42.75 would be payment due.i paid ******** today i was looking at my account on mobile app and once again its marked past due and no available ********** when i spoke with the managers,they obviously didnt make updates now once again,im being penalised for there mistake.i spoke with a useless manager today who was not at all helpful and when i tried to go back in the mobile app to screenshot to send you,i could not get back ***** he locked my mobile app for no reason and this is how they treat customers.evry month they create a problem.what ever they want to do from here out,I CAN NOT LOSE.i honestly think they need to be thoroughly investigated and shut down.they are a bunch of thieves and im sure they get away with robbing people all the time but they wont rob **** promise and guarantee that.

  can you put me in touch on how to get them investigated please.

  they are some dirty thieving pos and they still havent called me as requested.
  
  Sincerely,
  
  **** *********

• Initial Complaint

  Date:01/30/2025

  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 am filing this complaint due to ongoing inaccuracies on my credit report caused by this company's reporting. These errors are negatively impacting my credit score and financial stability, despite my repeated attempts to resolve them directly with the company.Given that these issues remain unresolved and continue to harm my credit, I am reaching out to the Better Business Bureau for assistance in ensuring a prompt and thorough review. I kindly request that this company either correct or remove the inaccurate items from my credit report. Thank you for your attention and assistance in resolving this matter.Details of the account involve are as follows;Account Name: TBOM/********************** Account Number: ****************Date Opened: 12/01/2019 Balance: $1,155.00

  

  Business Response

  Date: 02/06/2025

  Please see the attached response.

• Initial Complaint

  Date:01/30/2025

  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 has stated the credit card in question is mine I f8led numerous complaints that the credit card is not mine and would li,e it removed off my credit report and they refused to do so they keep billing me and ruined my credit because they refuse to do so have never applied for this card nor do I want one

  

  Business Response

  Date: 02/20/2025

  Please see the attached response.

• Initial Complaint

  Date:01/30/2025

  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 involves Aspire Credit Card, which is violating the ***** Aspire is not applying payments in a timely manner, not giving me access to my statements, not providing any effort to resolve issues or concern with the problems. These are issues that started a few months ago and seem to be an effort to charge excessive fees and create unnecessary problems.

  

  Business Response

  Date: 02/06/2025

  Please see the attached response.

• Initial Complaint

  Date:01/30/2025

  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.

  July 4th, 2024. I was sold a home security system consisting of two cameras and a doorbell by a door to door salesman representing *****************. It was a $th of July special tha trequired signing up and installing it on that Holiday day. It sounded like a great deal...three months free with a monthly fee of $69 dollars. HOWEVER, I was not informed that I was also being charged almost $4,000 for that equipment thru Fortiva. I never would have agreed to a $4,000 credit card to pay for these two cameras and a doorbell. I have reached out to *******. They investigated and said that I did agree. I did not, nor was I ever provided with any documents supporting this. The sales **** left nothing behind. I have both tried to cancel the services thru Vivint, return their equipment and stop this fraudulent situation. I want the Fortiva debt gone and the equipment returned to ******, but Vivint will not reply, they just keep harassing me with phone calls to pay the Vivint bill, Which I refuse . Ihave kept up to date with Fortiva, in hopes that they would help me to correct this situation, They will not help me. So I am turning over this whole situation to you in hopes that you can help me defuse this fraudulent practice that ****** and Fortiva are playing with honest people. It's a scam. I have read so many statemtens from ****** and ******* customers who have been scammed just like me.

  

  Business Response

  Date: 02/06/2025

  Please see the attached response.