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Business Profile

Credit Card Processing Services

Atlanticus

Headquarters

BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for Atlanticus's headquarters and its corporate-owned locations. To view all corporate locations, see

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    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 Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:01/17/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 incorrect information found on my credit report. Upon review, I discovered the following account has been fraudulently opened under my name. I believe I am a victim of identity theft:Creditor Name: TBOM/FORTIVA Opened Date: 4/15/2022 Account Number: ****************I did not authorize or open this account, nor have I conducted any transactions associated with it. I believe this entry is the result of identity theft.I kindly request your assistance in investigating this matter and ensuring this fraudulent account is removed from my credit report.

      Business Response

      Date: 01/22/2025

      Please see the attached response.

    • Initial Complaint

      Date:01/16/2025

      Type:Product Issues
      Status:
      Answered
      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 was provided a refund by a vendor with whom I'd used my Fortiva Credit Card on 12/04/2024. On 12/28/2024 I contacted Fortiva by phone as the refund had yet to reflect on my Fortiva account. I was advised to email proof to ********************* which I did the same day. On 12/30/24 I was replied to advising that I had to wait 30 days for refund to appear on my Fortiva account. I emailed Fortiva on 01/08/2025 as the refund still did not show on my Fortiva account and it had been past the 30 days. On 01/10/2025 I received a reply asking me if I wished to dispute the missing refund. I replied back immediately confirming my desire to dispute. On 01/12/2025 I received a reply to call ************** for issue resolution. I called the number and was told that I am past 60 day window to dispute despite having been told to wait an additional 30 days for the refund to process on my account. I've attempted to escalate and called back several times, each time I am transferred to fraud, disputes, voicemails, every possible extension except one with resolution.

      Business Response

      Date: 02/14/2025

      Please see the attached response.

      Customer Answer

      Date: 02/15/2025

       
      Complaint: 22820960

      I am rejecting this response because:

      I am being threatened with possibly having to pay back any amount of a refund that the vendor provided back towardsy Fortiva account with proof, the same proof that has been handed to Fortiva. While retroactive charge has not been implemented, I am unsatisfied with the "temporary" status of this resolution. Until I am advised that the credit is permanent, I will not consider this dispute satisfied.


      Sincerely,

      ******** ****

      Business Response

      Date: 02/19/2025

      Please see the attached response.

      Customer Answer

      Date: 02/19/2025

       
      Complaint: 22820960

      I am rejecting this response because:

      The response continues to indicate this is a "temporary credit". I will be satisfied once the "temporary" placard is removed and I am no longer feel threatened that the credit will be charged back. Please confirm once this credit is no longer considered "temporary", that will ensure I am satisfied and response can be accepted.


      Sincerely,

      ******** ****

    • Initial Complaint

      Date:01/16/2025

      Type:Billing Issues
      Status:
      Resolved
      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 mailed a payoff check and letter to Fortiva on 12/17/2024. ******* cashed the check on 12/31/2024. I was never given credit for the payment on my account even though ******* cashed the check. I sent a letter by ***** that had the copy of the letter, a copy of the check and a copy of the cleared checked that was cashed by Fortiva. ******* received the check on 1/13/2025 and as of this complaint, I still have a balance and the money has not been applied to my credit card account. I sent the ********************** card cut in half and also stated that I wanted the account closed. The account is still open. Fortiva has stolen money and refuses to apply it to our account.The first letter and check was sent on 12/17/2024 with the check was sent to:Fortiva Payment Processing P. O. ************************************ The second letter was sent on 1/11/2025 and it was received on 1/13/2025, and that was sent to:Fortiva Retail Credit **************************************** ******* has failed to apply our payment and I am continuing to get fees on my account.

    • Initial Complaint

      Date:01/15/2025

      Type:Order Issues
      Status:
      Answered
      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 this complaint that I'm file for start on 08/2024 I been cancel this contract with this company on the next day in no help with them regarding this issue. I have been trying to get this fix with this company but no go. But I have a bill from this company with a zero balance and I'm still getting the back in forward from the company I need so help

      Business Response

      Date: 02/14/2025

      Please see the attached response. 

    • Initial Complaint

      Date:01/15/2025

      Type:Order Issues
      Status:
      Answered
      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 started to get an account / security system with Vivint on 12/11/2024. *******, allowed a charge to my account before they cleared the security alert on my credit file, and only tried to clear this alert AFTER they had already allowed a $4,415.31 charge on my account.

      Business Response

      Date: 02/14/2025

      Please see the attached response. 

      Customer Answer

      Date: 02/15/2025

       
      Complaint: 22810622

      I am rejecting this response because of the following: 

       

      1) At no time during the sales process did anyone view or verify my drivers license or any other information about me.   

      2) I have a locked credit file due to previous identity theft, and anyone attempting to give me credit MUST call the number on my credit file and confirm this with me.   Fortiva did not attempt to do this until more than 1 week after the Vivint Security System had been installed and they had already not only issued the credit card but put the over $4100 charge on the account.  

      3) Per Credit rules, if you have a locked credit file or a ***** alert on your credit file, any company MUST obtain a release based on the notice that is put there.   ******* did not do any of this. 

      4) In essence, because ******* did not do this, they have committed fraud, and have broken the **** rules.   

       

      I am still requesting to be contacted by their upper management, and have been waiting now for a very long time.  I had two requests confirmed over the phone on 1/22 and 2/5, and I still have not received a single phone call or anything in writing from them in regards to this, nor do I have any way to contact them except through the main Fortiva phone number. 

      I thought that the creation of this BBB complaint, that the correct parties would become involved, and that is my main request at this time.   When you were notified of your committing fraud, you did close the account but left it with an over $4100 balance due and are taking monthly payments on that account at this time.   

      Because of this, and the fraudulently way that you processed this account, you have breached the **** and did not follow the ***** ALERT rules set forth by the credit reporting agencies.  Please have a member of upper management or the office of the president contact me. 


      Sincerely,

      ***** *******

      Business Response

      Date: 02/21/2025

      Please see the attached response. 

      Customer Answer

      Date: 02/25/2025

       
      Complaint: 22810622

      I am rejecting this response because:

       

      My complaint is still valid, as the BBB is there to help me remediate issues with a company that is 1) unwilling to correspond with me, 2) hasn't responded in months to my phone call queries, 3) whether or not you violated the **** or not, you could still reach out to me verbally and help get this addressed, 4) ************ did break the law, and I am seeking redress in regards to this.   

      So my original complaint is still active: 

       

      ************ created a credit card without validating who you were creating it for, did not clear the ***** / Security alert on my credit file in order to create this credit card and then charged a large amount to it.  Because your company did things that were not legal and in the correct order, I am requesting that you CREDIT in full (including the payments that you have taken from me) the account and close it without any future payments coming out of my own checking account.   

       

      If you can not do this, then at the bare minimum, please have someone in corporate reach out to me and help to get this addressed.  I have been waiting on escalated callbacks since the account was created, and additional escalated callback requests dated 1/22/2025 and 2/5/2025.   As of 2/25/2025, there has been no call from corporate received at my phone number ************.  I am doing this as a way of getting this handled without the need for lawyers or anything else, but if you do not contact me directly by phone, you will leave me with no other recourse. 


      Sincerely,

      ***** *******

    • Initial Complaint

      Date:01/14/2025

      Type:Billing Issues
      Status:
      Answered
      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,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed **************************** ACCT #: **************** ***. $1,318.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 01/23/2025

      Please see the attached response. 

    • Initial Complaint

      Date:01/13/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      The company is refusing to use the credit protection insurance that I had in August, 2024 and September, 2024 to pay the balance on my credit card. I need the company to use the credit protection instead of calling me about the bill.

      Business Response

      Date: 01/20/2025

      Please see the attached response.

    • Initial Complaint

      Date:01/11/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      ******* reactivated an account of mine at some point in the last few months. That had been dormant for 4 years. They claim to have graduated my account to a formal ********************** card and then charged me an annual fee when I was completely unaware that the account even existed anymore and it was now an account that charges an annual fee. They made that charge on 01/11/2025. I did speak with *****, employee number ******, who removed the charge and closed the account. This type of business behavior should be illegal, especially when consent wasnt given.

      Business Response

      Date: 01/14/2025

      Please see the attached response. 

    • Initial Complaint

      Date:01/10/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Faulty equipment was installed in my home , company has came out 6 times & replaced equipment that they installed as New equipment but it never worked, asked multiple time to resolve this issues and being told its not there problem, they equipment was so bad it caught my kitchen on fire in my home. They supervisor actually laughed in my face. They threatened me to ruin my credit and now they have ruined my credit in less than 3 months. i went from 685 credit score to 544. i am extremely upset and need to get this resolved

      Business Response

      Date: 02/05/2025

      Please see the attached response

    • Initial Complaint

      Date:01/10/2025

      Type:Billing Issues
      Status:
      Answered
      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 credit protection on the credit card when I became unemployed in September and it was not used to bring the card to a current status.I would it put n my account today and it brought current.

      Business Response

      Date: 01/20/2025

      Please see the attached response.

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