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

• 

  Compu Credit

  5215 W Wiley Post Way Salt Lake City, UT 84116-2938

• 

  Imagine Gold Mastercard

  PO Box 136 Newark, NJ 07101-0136

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:01/23/2023

  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 requested that the company move my payment date to the third. I get paid once a month and Thats when I get paid. I call Fortiva customer service and the said they could not and I work be charged a late fee. I know my right under the feta act and the have to give a grace ****** and a payment date the works with my pay.

  

  Business Response

  Date: 02/07/2023

  Please see the attached response.

• Initial Complaint

  Date:01/22/2023

  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 paying this company since 2019 and I have not yet seen my balance reduced. I have contacted them and they advised that I have to pay for a statement and payment history when emailed to me electronically. The company has not been very helpful in resolving the issue of why my balance has not been reduced while making payments even after doubling up on payments when I was out of work and the payments were late during the pandemic. It appears this company is continuing to rob consumers.

  

  Business Response

  Date: 02/14/2023

  Please View Attached.

• Initial Complaint

  Date:01/21/2023

  Type:Product 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 opened up an account with fortiva of a few months ago through the merchant called ideal image. I was charged for a procedure that I didn't even get so I had to dispute $1400 in target with fortiva who lied to me at 1st And told me that the merchant had to refund the Money and then I couldn't file a dispute with them. I spoke to the merchant and then they told me to go back to fortieva to receive a refund. Finally I was able to file a dispute with forteva to get a refund from the merchant for tiva told me that the merchant ideal image had a lot of problems and that they had way too many customer Complaints in several disputes from many customers because they didn't want to refund the money that they were owed. I made payments to them according to what I owed for **** told me that they would wave all of the late fees and whatever other fees on my account because it was not my fault that I was not able to get a refund and that I had to file a dispute I finally get the refund After going through loops and holes trying to get it Back in December fortiva took my checking account information And promised me They would weigh all of the fees if I paid what I owed They were supposed to automatically deduct the money and wave all of the fees. Fortieva maliciously and purposely did not deduct the money out of my account. I never got a warning I never got anything from them saying that they did not deduct the money from the checking account that they took all of the information for instead they reported meeting late to the credit bureau's and it has drastically affected my credit repor they are malicious, liars, Not trustworthy at all. It took all of my checking account information And purposely did not deduct the payment as they promised they would so that way they would not have to wait the late fees if they promised me they would wave and to report to my credit report because they were mad because they had to wave the late fees that they told me that they would wave

  

  Business Response

  Date: 02/09/2023

  Please see the attached response.

• Initial Complaint

  Date:01/20/2023

  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.

  Company issued revolving account instead of installment account as requested. Company is reporting wrong information to credit bureau. Company is refusing me access to my account.

  

  Business Response

  Date: 02/02/2023

  Please see attached response.

• Initial Complaint

  Date:01/19/2023

  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.

  This is fortiva and it is a horrible company stealing money from consumers. I paid this company ******* dollars and the equipment was *******. They are still trying to get ****** from me. I have paid totals over the minimum due and the cost and sum due just keep increasing. example 2/1/2021- ***** 9/1/2021- ***** 6/2022- 120.75 3/1/2021-***** 10/2021- ***** 8/2022- 100.00 4/1/2021-***** 11/01/2021- ***** 5/1/2021-60.00 12/2021- ***** 6/1/2021-***** 1/2022- ***** 7/1/2021-***** 2/2022- ***** 7/12/2021-80.25 3/2022 -800.00 and the company has ruined my credit. I feel very, much taken advantage of.

  

  Business Response

  Date: 01/25/2023

  Please see the attached response.

• Initial Complaint

  Date:01/19/2023

  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 recently came to find out that I had Id/Fraud against my SSN, I have filed a police report which is attached as well as placed a Freeze on my credit. I have contacted this company as well as all three credit agencies and was told that I had to dispute this HARD INQUIRIES from the company and not the *************** because they were done online or through a third party agency. I have contacted this company several times and also sent a copy of the of the report as well as a request to scrub these from my credit with no help from *******, please delete these inquires as they are not mine and my id was stolen. Date of Inquiry is 9/6/2022

  

  Business Response

  Date: 01/25/2023

  Please see the attached response.

• Initial Complaint

  Date:01/19/2023

  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.

  Since we got our card through ***'s Furniture there have been issues with our account. First of all, we spent months trying to log in to our account online and make payments over the phone. We were told multiple times that our account could not be found. A few months later we were able to make a payment however, we were charged multiple late fees as well as being charged interest that was not supposed to accrue until February 2023. When we call to figure this out we keep being told there is nothing they can do about this and we need to pay everything. These are fraudulent charges. We also have several months where we made payments on time and were still charged late fees. A few weeks ago we tried to call to settle the account and were told they would waive 3 of the late fees, but would not do anything about the interest. Stating that the interest started because we had made late payments. Fortiva is at fault for the late payments by telling us our account could not be found. There was no way that we could make a payment if they couldn't find our account. Now they have made multiple charges to our account that are fraudulent. The resolution we want is the late fees to be taken off and the interest to be back dated and taken off of the account as well. This again is the fault or Fortiva for having incorrect customer information in their system - to be exact my date of birth as well as my SS# were incorrect. This is what resulted in them not being able to find our account. It should also be noted that we were not supposed to be charged anything until we received full receipt of our furniture which did not occur until August 2022. We were forced to make payments before this date.

  

  Business Response

  Date: 02/06/2023

  Please see the attached response.

  Customer Answer

  Date: 02/10/2023

   
  Complaint: 18839739
  
  I am rejecting this response because: The total payments on the account should add up to $1,237 not $384. I do not know where that LOW number is coming from. We will accept the removal of late fees totaling $358 as it should be since when we called to pay Fortiva could not even find our account to let us make a payment. We then had to contact ***'s furniture and go through a whole ordeal which took time to get taken care of - then it still wasn't resolved. This was making it impossible for us to make a payment resulting in the late fees and the interest being added on to the account. We still want the interest rate taken off. I would also like to add that when we initially called to resolve this issue we offered 50% of the interest to be taken off as well as 50% of the late fees. Because we wanted to appeal that they took the offer away - again trying to punish us for resolving an issue that was the fault of *******. Also, we logged into our account a few minutes ago and now because of this complaint we are being punished as whistle blowers and our ability to make a match pay has been taken away - please explain that. Our total balance without late fees or interest should be $2,475.11. This is the total cost for the couch minus what we payed. We would like our account to reflect this amount. When it does we plan to to the account off. I would also like to add that $1,072. 80 was the interest charged to our account not $624. All of this needs to be corrected. It is worrisome that you can respond to a BBB complaint and not even have all of the correct information reflected on our account. 
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 02/14/2023

  Please see the attached response.

  Customer Answer

  Date: 02/21/2023

   
  Complaint: 18839739
  
  I am rejecting this response because:

  We will agree with this proposal by the business if we are allowed to make a one time match pay payment on our account that was previously offered to us by *******. We did attempt to use this offer before but the agent we spoke to did not input the payment correctly.
  

  So again we will agree to the previous proposal to remove $512.35 in interest if we are able to make a one time match pay payment.
  

  If the business does not allow this our response is that the total interest charged on our account of $1073.63 (which can be verified by the statements I have downloaded) should be removed and the date of the deferred interest should be Aug ************************************************************* our home. We got part of the couch Feb 25, 2022 and the second part July 6, 2022 but the second part was damaged and we had to have someone come out and inspect it before a new part could be ordered and delivered which happened on August 26, 2022. This also can be verified with records we have. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:01/17/2023

  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 a call and a a threatening email on the 16th of January that my account was delinquent. I knew I had paid it and didnt understand the call. She proceeded to tell me it was for $1.04. So I went to pay it it said $1.00. So I call back ask for a supervisor asked about the collection call and the dollar amount. She goes on to say that they have sent my account to the credit bureau because it was late. Even though it had not been ******************************************************************************* right now that the amount due is different than what they are telling me. I ask to speak wit a manager he is say they sent my account to the credit bureau as not in good standing also over $1.04 and it had only been 4 days. This is outrageous.

  

  Business Response

  Date: 02/02/2023

  Please see the attached response.

• Initial Complaint

  Date:01/16/2023

  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 had Fortiva Credit card which was CLOSED by them when they added an annual fee of $49 on 7/15/2022 which put the card over the limit as a total including that annual fee. Card closed, account closed, credit available $0. Im paying $50 a month (which is more than a monthly minimum) to pay it off just to find ANOTHER yearly fee of $49 more added on 1/15/2023! An annual fee on a CLOSED account not in use and with $0 credit available! That is exactly 5 months after the annual fee charged on 7/15/2022 and 4 months after account was closed! This is fraud.

  

  Business Response

  Date: 01/19/2023

  Please see the attached response.

  Customer Answer

  Date: 01/19/2023

   
  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:01/15/2023

  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.

  Back in November 2022 I had setup a payment arrangement with this company.For a $107.61. to pay towards my account balance.Two weeks before my payment arrangement due date I had went and paid the whole entire balance off.In which the arrangement due date was on December 9th but when that day came.The company had still took out of my account that $107.61 that I had arranged even though I had paid the account in full 2 weeks earlier.I had disputed that Transaction with my bank but a week later the company decided to close my account because of that Transaction reversal. I had talked to the companys supervisor on December 22 ***** and she looked into the matter and she saw what had happened.She told me that they will reopen the account but if this happens again .I will not be able to reopen this account again.But she also told me that I want be able to use the card until January 13,2023 because thats when my billing cycle start date begins.One month later my account is still closed and I called the company again and now they are telling me a different reason.From what they told me on December 22, 2022 I believe this company is fraudulent, some con artists, and some scammers.I have documents to back up my complaint.

  

  Business Response

  Date: 01/24/2023

  Please see attached.