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 105341 Atlanta, GA 30348-5341

  
• 

  Imagine Gold Mastercard

  PO Box 136 Newark, NJ 07101-0136

• 

  Atlanticus

  PO Box 23007 Columbus, GA 31902-3007

• 

  Atlanticus

  PO Box 928486 San Diego, CA 92192

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:12/27/2022

  Type:Service or Repair 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.

  August/Sept I made payment to them, but because we in different time zone it was put into their next day and I was charged a late fee. I had no idea until I got ready to pay the next month payment, that the late fee was 30 days late. I immediately called them to find out why I was 30 days late and owed a late fee. The rep I spoke to was the one who told me about how I got the late fee. The time zone difference. Then they reported this to the credit union and it is on my report. I feel this need to be removed. On 5Dec 2022 I called and spoke with a rep. I asked that my due date of the 21st be changed to the 27th of the month. He said yes. I had to pay a 13.00/plus to have this done, I did. He said I would have to pay ***** on the 21st of Dec, 2022. I paid this on 18 Dec. Thought all was good. I go on my app to see if payment for ******* had been updated. I see I still owed ***** for Dec. I called this morning, 27 Dec, to find out what had happened. My bank did not contact me that this payment did not go thru. She said pymt was reversed. I asked why wasn't it run thru a second time. They don't do that. So I was charged a ***** late fee on the 23rd, instead of them emailing/calling me so I could have cleared it up before the 21st, my original due date. They could have done that. Now she said I will be reported, again, to the credit bureaus as a 30 day late. This is not right. Usually a pymt is run thru at least 2 times. I have had this done several times before in paying bills or received a phone call or email to handle it right then. It appears this company is out to get that late payment fee and ruining your credit. Then when you talk to their reps, they are rude and so not caring.

  

  Business Response

  Date: 12/29/2022

  Please see the attached response.

  Customer Answer

  Date: 12/29/2022

   
  Complaint: 18643523
  This is not answering my complaint. Appears they are dodging around my issue with them. I know about change due date. I am talking about 18 December/21 December 2022. 
  I am rejecting this response because: for the above reason(s).
  
  Sincerely,
  
  *********************************

  

  Business Response

  Date: 01/04/2023

  Please see the attached response.  

  Customer Answer

  Date: 01/04/2023

   
  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:12/26/2022

  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 originally used Fortiva for a $700 total payment. I was not told of a promotion that they supposedly applied in which the balance had to be paid in full by 6 months or interest would be back-added and charged going forward. Additionally, I received $170 in late fees because I made payments on the due date, which posted the next day (after the due date). I would like to dispute those late charges for a refund. If I only continue to make my $50/month payments, I will end up paying $2000+ for a $700 couch. They are not transparent at all and used deceptive tactics to gain my business.My account ID *******************

  

  Business Response

  Date: 12/30/2022

  Please see attached response.

• Initial Complaint

  Date:12/22/2022

  Type:Sales and Advertising 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.

  The Fortiva Retail Credit program is managed by subsidiaries of Atlanticus Holdings Corporation. Fortiva Retail Credit has charged me repeatedly on the behalf of Idea Image despite my having called them numerous amount of times to say they are charging me for services I have never received and they have continued to charge me. I was supposed to get CoolSculpting and laser hair removal from late July 2022 to September 2, 2022. Ideal Image kept rescheduling me. After the 3rd time rescheduling, I asked for a refund and cancellation of services. I asked them to dispute the total amount that they were billing me for. The Fortiva retail credit company continued to charge me. My credit score has gone down from 712 to 594 in the last 6 months. My Fortiva card was charged $187.48 on August 27, 2022, even though I had closed the account they insisted I still had a balance and that they would continue to charge me. Another Fortiva transaction occurred on September 27, 2022. I was charged an amount of $381.34. ******* then charged my credit $582.34 on October 27, 2022, and then Fortiva Retail credit charged $790.67 on November 27, 2022. Fortiva Retail Credit is saying I have a total balance of $3861.27. Fortiva has tacked on late fees on top of other fees for services I have never received. I have asked them multiple times over the phone with numerous representatives to stop charging my card and that I had never received services. My credit score has gone from 712 to 594 even though I have tried to rectify the situation with both companies numerous times over the past six months and was ignored so I am hoping this catches both of their attention and they dispute the total amount of charges. I believe that this is an unethical practice to continue charging a person for services that they never received.

  

  Business Response

  Date: 01/20/2023

  Please see the attached response.

• Initial Complaint

  Date:12/19/2022

  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.

  DELTA ************** DELTA.COM CA $423.60 charge on my account that I reported that I did not place this order or use any services from this website and reported this within 30 days of seeing it on the statement. They said they wanted me to fill out affidavit which I sent. I heard nothing else and waited and contacted them again. I was placed on hold and hung up on. Contacted them again today and was placed on hold and hung up on after I asked why these charges still are remaining on my account. I'm not sure what else to do and will be looking into my rights as a consumer for debt that I did not agree to take on as this was not an item or service that I used. I'm not sure what this is for or how this came to be charged to my account. Please step in and make the company take accountability and resolve this.

  

  Business Response

  Date: 12/29/2022

  Please see the attached response.

• Initial Complaint

  Date:12/18/2022

  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 my Fortiva credit card every month on time and I haven't been using it at all but every month my payment goes up and the amount I owe doesn't go down, I have been reaching out to them about this and it doesn't do any good I don't understand why my balance isn't going down when I'm not using the card at all and I'm paying more each month

  

  Business Response

  Date: 12/20/2022

  Please see the attached response.

• Initial Complaint

  Date:12/16/2022

  Type:Sales and Advertising 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.

  In July 2022 Fortiva closed this account and stated that it was because the card had no activity for 3 months. I was under the assumption that paying down my balance was activity although I was not making purchases to bring the balance under control. The rep I spoke to reopened the account, same account number, no new contract, same limit. Thought all was well, even received an email stating my account was reopened. However from July to the current date of Dec 2022, ******* continues to report my account as closed the the credit agencies despite multiple calls, and multiple reassurances that they would fix it. Sent them screenshots of my credit karma showing they no longer were reporting payments or balances correctly and therefore I was not getting credit for continued use and payments, and to date fortiva has continued to take my payments and not report accurately. They've hit my credit by falsely reporting the account closed, and continue to impact my credit negatively as none of my payments are being recorded for almost 6 months now. I would like this fixed immediately and retroactively so that all balances and payments, since July to current date are correctly reflected as that is what a credit reporting entity is supposed to be doing if they advertise as such.

  

  Business Response

  Date: 01/11/2023

  Please see the attached response.

• Initial Complaint

  Date:12/13/2022

  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 took out a personal line of credit in May 2017 for $2123.00 through Fortiva Retail Credit for a denture,the dentist never produced the denture, I hired an attorney to get my money back from the dentist. I had written and called ******* explaining all of this and received a letter back from a ***************** @ ******* stating that once paid in full the three credit bureaus would be notified that the account was paid and not past due, this never happened, it shows paid but past due. I went to CFPB with my documentation and they received a response stating that "a request has been sent to the credit bureaus to correct the reporting", again, this has not been done. I verified that the credit bureaus did not receive such a request. ******* has clearly been deceitful in ALL of their business practices with me, it's been 5 years and lots of certified, return receipt mail. I would assume ******* has an Attorney General who might, if law prevails, have a problem with fraud cases and theft (requiring people to spend money when the business has no intention of adhering to the law) though they will certainly appease any agency that approaches them with false statements. A formal investigation should be completed by the state.

  

  Business Response

  Date: 12/29/2022

  Please see the attached response.

  Customer Answer

  Date: 12/30/2022

   
  Complaint: 18548782
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

  Customer Answer

  Date: 01/05/2023

  As previously stated, ******* responded to CFPB with basically the same response on 10/26/22 - refer to screenshot sent with initial complaint filing- they indicate that "a request was sent to the credit bureaus to remove past due status". I called/verified that the credit bureaus have NO Such REQUEST, ********** asked them to reinvestigate due to their response to CFPB so I included a screenshot of my credit report page, dtd. 12/2/22 showing past due status.  This has been ongoing since 2017, Fortiva is simply paying lip service to any agency that approaches them

  

  Business Response

  Date: 01/10/2023

  Please see attached response. 

  Customer Answer

  Date: 01/12/2023

   
  Complaint: 18548782
  
  I am rejecting this response because:******* has consistently responded this way since their first letter from ********************* myself in 2019 to the **** in 10/2022 to now with the BBB with NO supporting documentation, NONE!  The response isn't even signed by ****************!  This is nothing more than lip service, a blind person could see that they are sincerely lacking in integrity and honesty.  An investigation into their business practices needs to be conducted as this a clear violation of law.  BBB needs to mandate supporting docs for actions taken 
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 01/20/2023

  Please see the attached response.

• Initial Complaint

  Date:12/08/2022

  Type:Sales and Advertising 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.

  In May of 2022, I was approved for a $1500 credit card to cover security monitoring equipment through Vivint. I provided my debit card information up front so that the payments could be automatic deducted from my account. My debit card expired in June causing the initial payment to be rejected. Once I received notification of this, I called in and updated my information and paid the amount due. The same thing happened in July. I called again, updated my billing information, and again gave authorization for automatic payments to resume. This happened a third time in August. I was assured that my credit card information was updated and that the issue had been resolved. It was not. So in September, after calling in every month, wasting countless hours speaking with multiple representatives and supervisors who were incapable of assist me, and being charged late fees, Id had enough. I spoke with a representative and asked the amount that I needed to pay (minus late fees) to bring my account to a $0 balance so that I could be done with this company. I paid the advised amount ($1440) but I am still being told I owe over $100. These are late and interest fees that I should not be held responsible for because of issues with their antiquated billing system. I even spoke with a team leader who explained that my credit card information was never updated in their system (which explains why my automatic payments did not go through). I reached out to the companys corporate office and was advised to pay $30 so the late fees could be waived. I responded in an attempt to determine why I owed $30 but I never received a response. I made a payment last month for $37.42 and emailed corporate again begging for a resolution. I still have not received any type of response. This has been THE WORST customer service experience that Ive ever had in my life and I just want it to be over! Please help me obtain a resolution so that I can be done with this ridiculous company once and for all!!

  

  Business Response

  Date: 01/06/2023

  Please view attached response. 

  Customer Answer

  Date: 01/12/2023

   
  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:12/08/2022

  Type:Customer Service 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 did not open any financing nor request credit. Nor make a purchase as they say.Must be a scam.Want this removed and a letter to indicate no account, no balance due.

  

  Business Response

  Date: 12/19/2022

  Please see attached response.

  Customer Answer

  Date: 12/19/2022

   
  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:12/05/2022

  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.

  My ** MasterCard solutions was flagged as fraud due to some online purchases that I made. However, I was unaware that the contract states that I cannot make the purchase online. I just thought I could order the parts are for my vehicle since it is going to be used for the maintenance and repairs of the car for cheaper. However, the card was flagged as fraud and I cannot use it. I called into the ** and they explain to me about why it was flagged as fraud and suggested that I pay the current balance on my card and they will reinstate it. But when I first called them I spoke with one rep and she gave me a balance that was incorrect so I sent that payment off to them with a $30 fee that I incurred only to find out that was the incorrect amount that she gave me. I then had to pay another $30 fee to correct **s employee mistake. What does the contract say about that? - today I called after dealing with this for weeks that my card has been close according to my solutions manager *****************************, and customer service. However financial ******************** is saying its still on hold not closed. No sure which department is correct at this point. So Is it closed or on hold?!?!?!? Im really confused and upset about is the fact that my business credit score dropped a few points when I was approved for this card and now its just closed with no explanation or what tools they used to determine the case. It sound like to me ** solutions are the frauds here!

  

  Business Response

  Date: 01/05/2023

  Please view attached