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.
- 328 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:04/28/2025
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.
I am not liable for this debt with *******. I do not have a contract with *******. A vivint sales representative came to my house selling their services. Vivint took my information and opened a line of credit through ******* in my name without written or verbal consent. I reached out to ******* for the documents they used to run my credit and open a line of credit, and they were unable to locate anything. Attached is the original contract from ****** and nothing mentions running credit or *******.
Business Response
Date: 05/22/2025
Please see the attached response.Initial Complaint
Date:04/28/2025
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.
I am not liable for this debt with Fortive credit card, I do not have a contract with ********** collection , They did not provide me with the original statement/contract as I requestedBusiness Response
Date: 05/01/2025
Please find the attached response.Initial Complaint
Date:04/28/2025
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 was asked to pay for an Aspire Credit Card I never opened. When I called their phone number, the automated system confirmed my card wasnt even activated. I got a representative on the line who wasnt professional and told me not to worry about the balance owed and that the account was ************, I got an email saying I have to pay. This was an account I never opened with a card I never activated.Business Response
Date: 05/05/2025
Please see the attached response.Customer Answer
Date: 05/05/2025
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,
***** Bui ******Initial Complaint
Date:04/25/2025
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.
Sometime in March 2024 I went to Ideal Image located on ****************** in *****************. For the purpose of an esthetic resolution The staff named "****" upon evaluating what problem I was there for informed me that I could get my problem resolved on a payment plan. She then via computer entered my information in the computer and told me I had been approved for $5000 and she scheduled me for my desired procedure. I changed my mind and called Ideal Image and advised them that i was no longer interested and would not keep the upcoming procedure. I then called Fortiva. and advised them of the same. I was told that my account was closed. However,I am now receiving statements of a past due payment although I canceled the appointment before the scheduled appointment date. I realized that this company along with *********** were both fraudulent businesses. I am now being told that this transaction will be reported to the credit bureausBusiness Response
Date: 05/11/2025
Please see the attached response.Initial Complaint
Date:04/24/2025
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.
It very simple. Imagine is not complying with their contract. under said contract it states I am not responsible for""" any unauthorized charges zero liability""". That once i notified the card company they have 5 days to issue funds that where taken out as a result of unauthorized charges. The only thing Imagine credit **** did was issue a new credit card with a new account number . That's it, its been more than 5 days. The billing is off. Credit reporting company have not been notified of new account. Reports inaccurate account and balance. FCRA violation Section 623(e). The **** prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. I have enclosed information with evidence, take a look.Business Response
Date: 05/19/2025
Please see the attached response.Customer Answer
Date: 05/20/2025
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:04/24/2025
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.
This letter is in response to a collection notice I received regarding an alleged debt. Please be advised that I am requesting validation and verification of the debt pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code ******** required by federal law, please provide the following:1.The amount of the alleged debt;2.The name of the original creditor;3.A copy of the original agreement or contract bearing my signature (if applicable);4.Proof that your company is legally authorized to collect this debt in my state;5.A complete payment history showing how the debt was calculated;6.A copy of any judgment, if applicable.Until this information is provided, you must cease all collection activity, including reporting this account to ********************** bureaus. If the debt cannot be verified, you are required to remove it from my credit report and cease any further collection efforts.This is not a refusal to pay, but a request for validation. Be advised that any attempt to collect without proper validation may be a violation of federal law.Please respond to this request in writing within 30 days, as required by law.COLLECTION ACCOUNTS:********************************** Name: TBOM/FORTIVA Account Number: **************** Account Opened: 03/01/2022 Balance: $2,341 TRANSUNION:Creditors Name: TBOM/FORTIVA Account Number: **************** Account Opened: 03/29/2022 Balance: $2,341Business Response
Date: 05/04/2025
Please see the attached response.Initial Complaint
Date:04/22/2025
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 4/15/2025 I had a Viviat Home Security installed in my home! On 4/16 I accidentally opened a door and activated the system! They called me and were very rude I explained I'm a disabled veteran and I suffer from PTSD, which she said she is going to cancel my system? I then received a email with the cancelation! 3 days later I received another email stating my account is past due? I am not doing business with this type of business unprofessional I AM ONLY WILLING TO PAY FOR THE SYSTEM NOT ALL THE OTHER FEES PERIOD THIS IS A NIGHTMAREBusiness Response
Date: 05/19/2025
Please find attached.Customer Answer
Date: 05/19/2025
Complaint: 23237236
I am rejecting this response because: I forwarded the cancelation email that was done 24 hrs after the system was installed I have attained legal services which we are in the process of filling a lawsuit of your business practices you will be notified in the next 30days of due process. Your new contact is *******************************************************; all response will go through this office he can be reached at **************************************
Sincerely,
****** *******Business Response
Date: 05/25/2025
Please see the attached response.Customer Answer
Date: 05/25/2025
Complaint: 23237236
I am rejecting this response because: STOP CALLING ME SENDING LETTERS YOU CANCEL YOUR ACCOUNT IN LESS THAN 24 HOURS CONTACT **** ******** **************************************
Sincerely,
****** *******Initial Complaint
Date:04/21/2025
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 originally signed up and received a credit card from this company. They sent me the original card to the address that I gave them. unfortunately, I had lost my card and had to cancel the one that I had and requested a new card. They however, are unable to the card to the address they have on file. I live in a small town and cannot receive mail at my house. I have to use a ** Box theres a certain format that you have to put in the address so that itll go to the ** Box if it is tried to ship to the house for some reason, these people removed the second line address and are unable to send me a new card. They want proof of address now to send me the card to the original address that I gave them. I have no way to verify the address with my ** Box in the second line. I have called them twice regarding this issue. I still do not have a card. I would suggest that if you live in a royal town in the middle of nowhere and you cannot receive mail at your house not to ever ever get a card with these people.Business Response
Date: 05/09/2025
Please see the attached response.Initial Complaint
Date:04/17/2025
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 was a customer with Imagine ********************** (part of Atlanticus corporation) until tonight. I paid the minimum payment due and contacted Imagines chat to try and work with them about a late fee I recieved. They were unwilling to work with me and said that my new payment is ***** due to a higher card balance..... I haven't used my card in months. I asked why my payments are changing and they just kept saying because of my usage. Again I haven't used this card In months. They wanted this month's payment of ***** and next month's payment up front which I've never heard of. This company has been calling me 4 times a day which is harassment. I tried to work with them any way I could and they wouldn't work with me. I asked to just close the account due to the harassment and rising account payments due when I haven't used the card and the APR hasn't changed. I'd like to just settle with this company at this point and be done with them. Im afraid something is going on with my account.Business Response
Date: 04/23/2025
Please see the attached responseInitial Complaint
Date:04/15/2025
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.
Back in 2020, a company knocked on my door and sold me Vivint the security system, he did not tell me that I would be applying for a credit card. I did not know that I would applying for a credit card until I got the information in the mail. At that point I was too late. I keep the system for about a year and moved to a place that I could not use the system. I asked what I could do because I can not use the system at the Back in 2020, a company knocked on my door and sold me Vivint the security system, he did not tell me that I would be applying for a credit card. I did not know that I would applying for a credit card until I got the information in the mail. At that point I was too late. I keep the system for about a year and moved to a place that I could not use the system. I asked what I could do because I can not use the system at the so I stopped. I still had this digital credit card payment. Paying on a system that I have not use in 5 years. I believe this is illegal and I was tricked. I thought I was going to be paying vivint not a credit card company. Also I was behind on some payments and they reported to the credit bearu that I had a past due balance of $1400.00. Which was not true. My balance was only $177.00. Email them and they said they would change the trade line in 60 days. Got a email the next day saying that they have sold my account. I was so confused. I was not informed that it would be sold. This company is need to be investigated.Business Response
Date: 05/12/2025
Please see the attached response.
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