Complaints
This profile includes complaints for Atlanticus's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 936 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:01/29/2025
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 writing to formally dispute an account listed on my ********************** report that I believe is incorrect. The details of the erroneous account are as ******************************** Name: TBOM/ATLS/ASPIRE Opened Date: 12/7/2021 Account Number: ************ I have no relationship with TBOM/ATLS/ASPIRE and have not opened or authorized this account. I kindly request that you investigate this account and remove it from my credit report if it is found to be inaccurate.Thank you for your attention to this matter. I look forward to receiving notification of the outcome of your investigation.
Business Response
Date: 02/06/2025
Please see the attached response.Initial Complaint
Date:01/28/2025
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.
Did not receive prior to end of promotion a disclosure statement detailing charges, including interest.note: paragraph circled on the first page of contract I did try on more than one occasion to dispute late charges they agreed to waive part of the late charges but account sill showing account pass due.Business Response
Date: 02/18/2025
Please see the attached.Initial Complaint
Date:01/28/2025
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.
******* RETAIL CREDIT CARD transaction was completed an paid in full (5) years ago, around November 2020. I called them an told them its been paid in full and they agreed. However, they sent me letter saying I owe ***** and 2.00 for the statement because I have the card. I told them over 4 years ago, I do not have that credit card, please close it and please out my name from out your system. Additionally, I requested them to STOP sending me letters about activities because I don't have any. When I called, a lady over the phone said I will be charged as long as I got the account open and I cooperated asking politely to close it. These folks continue sending me letters saying I got to pay for having it open. I am asking Fortiva Retail Credit Card to STOP!! I no longer have that credit card. I should not be held liable paying them anything. Its been at least 5 years. I am still receiving a letter in the mail. I want this problem to stop, and stop sending me letters every year especially for something I did not authorize.This company tried last year to charged me. I told them repeatedly I do not own Fortiva Retail Credit Card. OKAY....Please stop sending me a statement in the mail every month and or every year. They owe me an apology for falsely trying to charge me after i told them several times close my account years ago.Business Response
Date: 02/04/2025
Please see the attached response.Initial Complaint
Date:01/27/2025
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.
******* is trying to collect annual fee and penalties on a yearly fee that I didnt want. Didnt need. Didnt agree to. I bought an exercise bike once. Paid it off and I will NOT pay fees for a card for didnt want. They say they will not cancel it until I pay them and I will not be paying for this.Business Response
Date: 02/03/2025
Please see the attached response.Customer Answer
Date: 02/03/2025
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,
****** CastInitial Complaint
Date:01/27/2025
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.
******* opened a line of credit using our vivint smart home application without our knowledge. We were provided a loan for around $6k without knowing thats what we were signing up for. Additionally, ******* claims to have no record of this loan because they converted the loan into a credit card. ******* has been unable to produce any documention about the history of our loan or the conversion of the accounts. I want to stress that we did not provide consent for these lines of credit.Business Response
Date: 01/29/2025
Please see the attached response.Initial Complaint
Date:01/24/2025
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.
I signed up to receive new equipment with vivint home security through a line of credit with *******. I cancelled my service with vivint a week or so after getting the new equipment (filed complaint through BBB due to deceptive sales tactics) I have been getting charged by ******* since August for equipment I do not have. I have called fortiva directly and I was told I need to request the payment to be stopped through ******. I have called vivint every month since September to get the payment to stop. Every time Ive talked to vivint they have told me it will take 3-5 business days for the request to go through and told me the issue was taken care of and here we are in January of 2025 and Im still being charged for the equipment. I want the payments to stop and I would like the charges reimbursed as soon as possible.Business Response
Date: 02/07/2025
Please see the attached responseInitial Complaint
Date:01/23/2025
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.
Hello, I am filing to report a potential scam credit card, "Fortiva", that is engaging in illegal business practices, like changing people's credit limits at random and fining cardholders who pay over the minimum monthly payment. I know people personally affected by this and others have complained in other places as well about this company being a scam. I request that this company be investigated as soon as possible, especially as it is a credit card advertised to those who already have bad credit that they are actively making worse for their own profit. Thank you. -- *********Business Response
Date: 02/04/2025
Please see the attached.Customer Answer
Date: 02/04/2025
Complaint: 22848536
I am rejecting this response because: denying the existence of these shady business practices does not erase the hundreds of testimonials from cardholders online discussing their experiences, where the majority refer to the bank and the card as a scam. I suggest the company ****** "Fortiva credit card reviews" and confront consumers' lived reality with this card and this bank. If these shady practices are indeed not outlined in the cardholder agreement, then there should be an internal audit done to ensure that customer service representatives are not deceptively charging people and lying behind the bank's back.
Sincerely,
*********Business Response
Date: 02/10/2025
Please see the attached response.Initial Complaint
Date:01/23/2025
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.
They sent me a bill for a credit card I did not apply for. I tried to call a phone number on the bill and the first thing the recording wanted to know was my social security number. I hung up phone right away and got in touch with you guys.Business Response
Date: 02/03/2025
Please see the attached response.Customer Answer
Date: 02/03/2025
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:01/22/2025
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 have 2 accounts with *******. I am trying to set up auto pay on my revolving credit account and have been unsuccessful due to incompetent non English speaking people in other 3rd world countries. I was on vacation in ****** and tried for a week to pay my bill and was blocked from doing so. I had to call in to pay my bill and asked to have the late fee removed. I tried to have the *** set up ***** pay but to no avail it didnt get set up. I called in to the pay the bill again and set up auto pay and got another incompetent person by the name of ***/Id number 391 that was of zero help. I need the $41.00 late fee removed and my account set up on auto pay going forward.Business Response
Date: 01/27/2025
Please see the attached response.Customer Answer
Date: 01/27/2025
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:01/21/2025
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 purchased a security system through ****** and the equipment was financed through *******. The amount of the equipment is $2,088 but they opened a line of credit of $4,000. This is then reported to the credit bureau as a credit card which negatively effects your score because it shows that you are currently using more than 52% of your line of credit. My score dropped 23 points and when I selected see what changed it stated that my new credit card usage was too high.Business Response
Date: 01/23/2025
Please see the attached response.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.