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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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Atlanticus has 18 locations, listed below.

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    Customer Complaints Summary

    • 936 total complaints in the last 3 years.
    • 327 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/14/2025

      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.
      I have a credit card account ending in #**** I have barely used and only used it to establish and build credit. In February my wife and I received a call while getting ready for a snowstorm in ************* that my card was used for about 70 somewhat dollars is ***********!!! A nice sunny place while we are freezing and getting ready for back to back snowstorms during a hectic week! We spoke to someone who we thought was helping us and was nice my wife mentioned during the call we had a friend going to *********** or who had gone to *********** and we never gave it a second thought. The remark that is! 70 dollars the representative said was attempted to be used! Which was a lie my card which was never used for more than 150! Is currently at over 600 dollars because I was the victim of a. Time someone used my card information and because my wife said we knew someone who had gone to *********** or was going they have denied my case and refuse to help me in this abuse of power! Mean hope someone had a ball in the sun while I worked my tail off to care for my disabled, sick wife! He said 70 dollars but my card was used for over 600 something that was never done and it was used in this manner in less than 72 hours but they dont see that as fraud! They fail me and my family and they refuse to help! I want this account to be cleared I did nothing wrong I am the victim I can show I worked and have my direct deposit for that week of my work earning a and can get a letter from my job but they say I am liable please someone from the higher up help me because that nice guy is not nice and he said it was only 70 dollars! He is not nice at all and calls are recorded just because my wife says we might know someone who is puertorican and who might go there doesnt mean that person is a thief who doesnt know a puertorican American? We live in a predominantly ******************* We are victims and we should be helped not passed judgment on!

      Business Response

      Date: 05/05/2025

      Please find the attached response

    • Initial Complaint

      Date:04/14/2025

      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.
      Date of transaction January 31, ************************************************* the amount of $5000.00 Would like a refund Check for $5000.00 to be sent that can be tracked The details have been included in the attachments sent

      Business Response

      Date: 04/23/2025

      Please see the attached response.

    • Initial Complaint

      Date:04/13/2025

      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.
      I took out a line of credit to purchase some furniture. I was told that I would not pay interest if paid off by 12 months. I was told my payments would be a certain amount and that if I made those payments it would be paid off in time. I called the company and they told me the same thing. The representative told me my last payment was ***** and that would be the end of my payments. When I got my last statement it said I owed over ****** in interest and that I went past the 12 month deadline. I am on a fixed income and thought I was paying it before the 12 month period according to the representation I spoke to. Is there a way for me to not have to pay the interest?

      Business Response

      Date: 04/17/2025

      Please see the attached response.

    • Initial Complaint

      Date:04/13/2025

      Type:Sales and Advertising 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.
      Under 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency ******)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

      Business Response

      Date: 04/21/2025

      Please see the attached response. 

    • Initial Complaint

      Date:04/12/2025

      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 was the victim of identity theft, I have disputed the hard inquiries on my report and sent corresponding documentation to prove that there is no possible way that I could have applied for their fortiva credit on June 28 2024 or their aspire card may 13 2024. They refuse to acknowledge me.

      Business Response

      Date: 05/08/2025

      Please see the attached response. 

    • Initial Complaint

      Date:04/12/2025

      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.
      The problem is I was hustled

      Business Response

      Date: 04/16/2025

      Please see the attached response. 

    • Initial Complaint

      Date:04/08/2025

      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 am writing to inform you that a fraudulent account has been opened in my name with TBOM/Fortiva. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent ******************************** Name: TBOM/Fortiva Opened Date: 5/6/2019 Account Number: ****************High **********************: $2,055.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

      Business Response

      Date: 04/10/2025

      Please see the attached response. 

    • Initial Complaint

      Date:04/07/2025

      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.
      I never activated my credit card after it was recieved and seeing what they were gonna charge me me in additional fees each year and to use. I destroyed the catd ad now they are seeking money when it was never activate d or used. They tried to tell me it was for applying and I have never heard of that in my life and it is BS.

      Business Response

      Date: 04/10/2025

      Please see the attached response.

    • Initial Complaint

      Date:04/07/2025

      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 have a complaint and requests to remove a delinquent account from my ********************** report from a company named *******. Through investigation, I found out that this company is a part of a company named Atlanticus, out of *******. In August 2024 I was misled by a company named ****** Smart Home sales representative. ******* is a third-party company ******. I wasn't notified that Fortiva was billing me until several months later. ******* has opened a credit card in my name for $4,000 without my knowledge

      Business Response

      Date: 05/06/2025

      Please see the attached response. 

      Customer Answer

      Date: 05/07/2025

       
      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:04/04/2025

      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.
      Dear BBB,I am writing to formally lodge a complaint against Fortiva, the credit provider associated with ***************, regarding misleading information about my credit agreement and unexpected billing increases.Background:In March 2024, I was approved for a $2,000 credit line with ******* to purchase a couch set for $1,390.92. The sales representative assured me that the financing included no interest for a full year. However, at no point did the representative clarify that the agreement also included accrued interest and an annual interest rate that would apply thereafter.Current Situation:Despite my efforts to pay more than the minimum payment, I have recently received a statement indicating that my balance has increased from $800 in February 2025 to $1,080 in March 2025. This is a significant and confusing increase, especially given my understanding of the terms of the credit agreement.Concerns:1. **Misleading Information:** I believe I was not adequately informed about the full terms of the financing, particularly regarding accrued interest and annual interest rates.2. **Unexpected Charges:** The increase in my balance despite consistent payments raises concerns about the clarity and transparency of Fortivas billing practices.I request that the BBB investigate this matter and help facilitate a resolution. I believe it is important for consumers to be fully informed about their credit agreements to avoid similar situations in the future.Thank you for your attention to this matter.

      Business Response

      Date: 04/10/2025

      Please see the attached response.

    Atlanticus is BBB Accredited.

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    This business has committed to upholding the BBB Standards for Trust.

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