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 105374 Atlanta, GA 30348-5374

  
• 

  Atlanticus

  PO Box 23034 Columbus, GA 31902-3034

• 

  Fortiva Credit Card

  PO Box 650847 Dallas, TX 75265

• 

  Emerge Credit Card

  PO Box 84079 Columbus, GA 31908-4079

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:05/20/2025

  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 have been making payments to this company for the past 12 months if I am one day late, they are charging me late fees and they continue to charge me. Last month I made a payment in two payments of ***** and the ***** and the payment for the month was *****. I closed my account with them in February of this year and continue to make payments. This month the company reported be to credit bureau stating that I was 30 days late on a payment that is due in June on the 15th. I only own them for May 15 and as you can see it is only 5 days past due, and they also have charged me an annual fee on a credit card account that is close. This should be considered fraud, and it is not fair now they are attempting to have me pay ****** as some type of settlement and I feel it is because I closed my account with them on my statement is shows that I have made payments including the additional late fees requested of me and this account is continuously being paid on every month. When I contact the customer service no one can answer any of my questions and they are giving me the round around.

  

  Business Response

  Date: 05/28/2025

  Please refer to the attachment.

• Initial Complaint

  Date:05/19/2025

  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.

  05/15/2025 The problem is I made a payment arrangement with ******* 9 months ago which they accepted it . I made 80 dollars payments but they were returned. I never received a phone call or letter informing me of this error. So I called them and found out what was going on with the payment in January 2025. I also made another payment arrangement for 80 dollars which they accepted. So why was it sold when I made the payment arrangement. Now the account is removed from the crecit bureau. Why. That is wrong . It should be onthe report.

  

  Business Response

  Date: 05/22/2025

  Please see the attached response.

  Customer Answer

  Date: 05/22/2025

   
  Complaint: 23349379
  
  I am rejecting this response because: fortiva needs to send the statements with the account number and put it back on the ********************** report.    Like I already mentioned I am in a hardship financially and mmi needs
  The statement with the account number which Fortiva has not the third party. 
  Sincerely,
  
  **** *****

  

  Business Response

  Date: 05/27/2025

  Please see the attached response.

  Customer Answer

  Date: 05/27/2025

   
  Complaint: 23349379
  
  I am rejecting this response because: they are not addressing the complaint.   I asked for the statement to be mailed and an account number.  They are declining to respond.   They did not fill the request previously .  Also one more thing.  The third party company that they keep referring to doesn't have the account number or statements for Octobet 24 till February 2025.  I suggest they take a look at the phone calls for December through February. 

  
  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:05/19/2025

  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 received an offer for the Aspire Mastercard. I did not receive the card, but received a notification from them regarding charges. I ***orted this as fraud. I was told there would be an investigation which would take 30 to 60 days. This was around 5/12. There was $300 remaining on the card. I was tolsd they would send me a new card in 3 days. I looked at the account today and found new charges and the available balance was 0. When I called the customer service *** said I would receive the new card in two weeks and that I needed to make payments on the account. She also stated that after their investigation of 60 to 90 days that I may be credited the $1000. In the meantime I needed to make payments toward the card. I asked why would I make payments towards something I have never made. She then told me that if I didn't make the payments it would go against my credit. At that point I told her I think they were scamming me and that I would be ***orting them to the BBB. I also was just told by my daughter that I should ***ort this to my credit bureau.

  

  Business Response

  Date: 05/29/2025

  Please see the attached response

• Initial Complaint

  Date:05/18/2025

  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 account has been paid in full for years and I requested that they close the account back in December 2024 after they decided to start charging a maintenance fee to keep the account open. I have chats saved showing documentation that the representative confirmed that they would be able to close the account and refund the maintenance fee that they originally charged to the account which had a zero balance. They then continued to charge me maintenance fees and then charge me late fees when the account was supposed to be closed back in December 2024. This is the second time I'm asking them to fix my credit report as this is the second time that they've falsely claimed that I am 30 days late on the payment. In the credit bureau status, my account is showing is closed which somehow they're still documenting that somehow I'm 30 days late on the payment. This customer service is absolutely terrible and I'm very concerned that they have an A+ better Business rating. I have multiple documentations showing that this account was supposed to be closed and I would not get charged any longer. However, this is the fifth time I'm dealing with this. I want them to confirm that they've closed my account. I want them to get the proper documentation on the better Business bureau rating. They should not have an A+ when everyone is reporting a one-star rating for them and I want my credit score to not be affected again as this is extremely distracting.

  

  Business Response

  Date: 05/22/2025

  Please see the attached response. 

• Initial Complaint

  Date:05/16/2025

  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.

  05/14/2025 I need the account number for the Fortiva ********************** Card. It is not on the statement. Also who is it not on the credit report. I owe money on it and it is not there. What is going on. Also I am not receiving statements. So send it for Jan through February of 2025 with a account number.

  

  Business Response

  Date: 05/22/2025

  Please see the attached response. 

  Customer Answer

  Date: 05/22/2025

   
  Complaint: 23333299
  
  I am rejecting this response because: I need the account number from fortiva.  JCP doesn't have it.  You do so send the statements with the correct account number now.  You said it was going to be mailed.  I am still waiting. 
  
  Sincerely,
  
  **** *****

  

  Business Response

  Date: 05/27/2025

  Please see the attached response.

• Initial Complaint

  Date:05/16/2025

  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.

  A salesman came to my house offering the Vivint home security service and I purchased it in 6/1/24 months later I receive letters from fortiva and get 2-3 different credit cards with my name sent to me which I never got activated or anything. It is illegal to send out already ready to use credit cards with someones name, Ive also been getting emails that my account is past due and I have no knowledge of usage of this card. I dont want this card and dont want it to impact my credit

  

  Business Response

  Date: 05/23/2025

  Please see the attached response. 

• Initial Complaint

  Date:05/15/2025

  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 switched my payments from automatic debit that fatigue. What this was withdrawing? My account? ****, pay the last couple payments. Fortiva. is telling me they aren't receiving, or they're receiving late and they're excessing me a late fee. The payments that are sent through bill pay is an electronic payment. And I have been going back-and-forth with fortiva to try to figure out why the payments are late and they cannot explain why my account is being ************************ late when the payments are sent electronically the same day and I am sending the payments but before the due date so I contacted **** pay to file an inquiry. The investigator contacted me and we tried to call for tiva. On freeway, the representative wanted to verify me by my social and I told the representative that that's inappropriate, considering that the investigator doesn't know my social or need to know my social she. Refused to proceed with the call. So I am trying to figure out why they cannot ************************* account timely when the payments are electronic. I refuse to send them any more payments. Until they can explain what's going on with my account. ***, until they can credit my account correctly.

  

  Business Response

  Date: 05/30/2025

  Please see the attached response.

  Customer Answer

  Date: 05/30/2025

   
  Complaint: 23335542
  
  I am rejecting this response because: i have been in contact with my bank. Several times and they have assure me that the payment being sent to them is electronic. So I'm not sure what they mean. As a courtesy, they credit me. On my account when they received the payments the same day, it is taking them weeks after receiving a an electronic payment to credit my account. And I refuse to keep sending them payments until they can figure out why they're not applying my payments timely, and then they want to penalize me and state that I am late when I am not late. I have tried to call them with a **** ***** investigator and they have refused To provide information or they have refused verify my account without giving my full social with an investigator on the line. I will continue to file against this company. Until something is done and I'm not sending any more payments until they can fix the issue with their system. I should not have to be set app automatic payments through pay my bill. And for them to credit, my account responsibly. I have proof from bill pay. M I bank that these were paid timely through electronic payments to them. If they don't resolve my issue, I will take my complaint to the state that they hold their business and then to the ***. And whoever else I need to complain too to get this situation resolved
  
  Sincerely,
  
  *** ****

  

  Business Response

  Date: 06/04/2025

  Please see the response. 

  Customer Answer

  Date: 06/04/2025

   
  Complaint: 23335542
  
  I am rejecting this response because: excuse the typos, I'm using voice to text and cannot use my hand so I apologize in advance. I do not see their response. The only response I see is my last one so I cannot blindly accept a response today. Can't see and is not visible. And I stand by my position that until they fix whatever's happening. With my account, I will not be sending any more payments. I have proof from my bank. I've spoken with the bank investigator to verify my claim. And if necessary, I will file a complaint with their state and with f, t, c, but I'm not gonna send payment when I'm sending it in a timely manner. Is electronic payment that they're receiving? But they keep applying it to my account late and then they want to charge me for late fees when i've sent them on time.
  
  Sincerely,
  
  *** ****

• Initial Complaint

  Date:05/15/2025

  Type:Order 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.

  Could you please stop sending me junk mail?

  

  Business Response

  Date: 06/06/2025

  Please see the attached response. 

• Initial Complaint

  Date:05/14/2025

  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 used the card as I was able to get medical and dental insurance through my workplace. I called them and Aspen Dental two times to cancel and was told that this card was cancelled and Fortiva would be reimbursed and I would be charged for the initial visit of *****. I have since received bills with a $3,000 balance. I DID NOT USE THE CARD and canceled it twice. Have not received a bill for the ***** I was supposed to owe. I do not want them sending me to collections as I never used the card.

  

  Business Response

  Date: 05/20/2025

  Please see the attached response.

  Customer Answer

  Date: 05/20/2025

   
  Complaint: 23329465
  
  I am rejecting this response because: I am still receiving billing statements stating my balance is $3,000, as well as my payment is almost $200 toward that balance.  So, even though you state the account is closed, please explain to me why I have not gotten a corrected bill for the initial visit I had at Aspen dental and continue to receive billing statements stating my balance is now over $3,000.  I was told by both ************ and a *** at ******* the account was closed, however if it is closed I would not still be receiving statements reflecting a balance of $3.000 or letters stating that my monthly payment is past due and charging late fees.
  
  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 05/23/2025

  Please see the attached.

  Customer Answer

  Date: 05/23/2025

   
  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.Please send me a billing statement reflecting the $0.00 balance in the next 14 days.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:05/14/2025

  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.

  ******* is saying that I did not make the Feb. 2025 payment on my account, so they are saying my account is delinquent and have been charging me late fees. I've talked with them numerous times via telephone and emails but to no avail... I need your help getting a resolution to this dispute and getting my account corrected.

  

  Business Response

  Date: 05/21/2025

  Please see the attached response.