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.
- 325 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:11/30/2022
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 check all my credit cards all the time and called on October 28 to discover fraudulent charges. I have filled out paperwork and mailed it in and company keeps sending me paperwork. I called today and fraud agent said it would be **** weeks to hear anythingseems like an excessive amount of time to make a determination, since I called right away. I closed account on the 28th of October. It doesnt take this company **** weeks to take out paymen ***************************
Business Response
Date: 12/27/2022
Please view attached.Initial Complaint
Date:11/29/2022
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.
Was offered credit protection as a result of loss of income and they never followed through with it. Told me I was eligibke o enrolled it cost me $6.95 to enroll then I got a letter 2 dsys before activation telling me sorry youre not eligible with no other explanation. Called and tried to resolve issue several times and got **** hereBusiness Response
Date: 12/29/2022
BBB Case number: 18476308
Dear ******************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
According to our records, you enrolled in Fortiva Retail Credit Protection on January 5, 2022. The Credit Protection Program covers the minimum monthly payments (except for past due or overlimit amounts) on your account in the case of unforeseen events that would compromise your ability to make your minimum monthly payments.
Our records indicate that on January 14,2022, you contacted customer service and requested to activate the Credit Protection program. Due to an error, the Credit Protection Program was not activated. To correct the error, this will confirm that we have recalled the account from collections and have waived the remaining account balance. Additionally, a request has been submitted to the credit reporting agencies to remove the Fortiva tradeline from your credit report. Please allow up to 30 days for the adjustments and we recommend that you retain a copy of this letter as evidence of the adjustments.
Thank you for the opportunity to respond.
*************************************************
On behalf of Fortiva ******************************* of Missouri is the creditor of the Fortiva Retail Credit account.Customer Answer
Date: 12/29/2022
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. Thank you for realizing your error.
Sincerely,
*******************************Initial Complaint
Date:11/28/2022
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 have reached out to TBOM/ATLS/FORTIVA MC. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. TBOM/ATLS/FORTIVA MC you are furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies (a)Duty of furnishers of information to provide accurate information 1) Prohibition (A)Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Duty: a moral or legal obligation; a responsibility Accurate: correct in all details; exact.Prohibition: a law or regulation forbidding something As Defined by The *** Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The *** Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!Account Number: ****************Business Response
Date: 12/22/2022
Please see the attached response.Initial Complaint
Date:11/21/2022
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 would like to ask the company to remove the account ************ immediately from all three credit bureau's Equifax, Experian, and *********** as it showing inaccurate information.Business Response
Date: 12/20/2022
Please see the attached response.Initial Complaint
Date:11/20/2022
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 had begun making payments to Fortiva on 4/22/2022. All payments were sent via my bank. The payments were scheduled to be paid on the 22nd of each month. After the first couple payments were posted on the correct date, I noticed the next 4 payments were posted days after the payment due date. I called, got one fee waived. I checked my bank account and all payments were sent on the correct date, ******* was just posting them after my due date so I then accrued a late fee. I am asking for them to waive the $112 in late fees so I can pay this off on time.Business Response
Date: 12/15/2022
Please see the attached response.Customer Answer
Date: 12/21/2022
Complaint: 18443833
I am rejecting this response because: I would like 2 more credits of $41 totaling $82.00 applied to my account. It will get me on track to paying it down from the original price.
Thank you for your kindness.
*********************Business Response
Date: 12/27/2022
Please see attached response.Initial Complaint
Date:11/19/2022
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.
A payment was scheduled for this company for November 4, 2022. On November 3rd I had to cancel the payment. On November 7th the payment still processed through my bank account causing me to miss a payment with my gas bill. I contacted this merchant and asked for a refund which I was told it would take **** business days. **** business has come and I still have not received my money back in the amount $106. None of the customer service representative tried to further see what they could do including the supervisor who then tells me a ticket needed to be created for a refund and none was created. So I waited 7- 10 business days for nothing now I'm told to wait another **** business days, that is unacceptable and I want this expedited and I want my money back because this caused me to miss a payment on my bill and now is not a good time for that. I was already having financial trouble. I am a single parent and I have just been trying to get things back in order. I just want my money back immediately and this company needs to do better in helping customers.Business Response
Date: 12/16/2022
Please View Attached.Customer Answer
Date: 12/16/2022
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:11/16/2022
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 company reported a late fee on my credit report even though the account is set up for auto pay. In addition, I was overcharged for my equipment when I signed up for Vivint they open the Fortiva accounts making it seem as though Vivint, and for Teva were one and the payment was coming out of one transaction and later informed that its a separate transaction and I have a credit line of $4000 which they fully charged, ruining my debt to income ratio as well, I asked for itemized statement they sent me incorrect information when I asked charges I was told that I would have to call Vivint who told me to call for cheaper. In addition I am receiving emails from a company under the name of Atlantis instead of atlanticus, so its being relegated to spam! The entire experience has been And absolute nightmare. I submitted payment. I reenroll auto pay at this time. I need the late payment reporting rainbow healing. Its unfair to me as a consumer and unfair self tactics.Business Response
Date: 12/13/2022
Please see attached response.Initial Complaint
Date:11/15/2022
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 Tuesday, November 15, I called Fortiva Retail Credit to request, for my parents, an English bill. The bill they received is in Spanish, and none of us speak Spanish.After contacting a representative, and his supervisor, we were told that the language of the bill could not be changed without the permission of "the account holder," who is deaf. I do not understand why such a reasonable request could not be easily resolved by the representatives of "the account holder."Business Response
Date: 12/06/2022
Please see response attached.Initial Complaint
Date:11/15/2022
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 8/20/22, I visited the American Freight furniture store on ********. in **********, **. Upon entering the store, I was told that they had two financing options available, a three month zero interest financing plan available to everyone and a 12 month zero interest option available to well qualified customers. After filling out the financing application in the store, I was told by the store representative that I qualified for a $2000 credit line at the well qualified buyer rate of 12 month zero interest financing though Fortiva Retail Credit. At the point, I decided to purchase a living room furniture set costing $1385.20 using the offered 12 month zero interest credit line. On 11/13/22, after making a number of on-time monthly payments, I looked at my credit statement for Fortiva, and was surprised at how much was still left to pay off. After further investigation, I discovered that I was being charged *****% interest from the time of purchase! I immediately called the ************************ line, followed by the American Freight store manager. After being bounced back and forth between the two companies more than a half dozen times, I was ultimately told by the American Freight corporate office that they were aware of this misleading promotion, but there was ultimately nothing they could do. I feel completely taken advantage of by both American Freight and Fortiva Credit! I made this purchase under complete false pretenses, and had I known that I would be charged *****% interest immediately, I would have either paid for everything upfront or sought other financing options at another store. I paid off the full balance today to prevent incurring further interest, however I absolutely feel that I should be refunded the two months of unfair interest that I unknowingly incurred as well as the $79 application fee! This is an absolute scam and I want to ensure that other customers are not egregiously taken advantage of in the same manner I was!Business Response
Date: 12/01/2022
Please View attached.Initial Complaint
Date:11/10/2022
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 have an account with them a credit card and fell on hard times (on social security disability) I'm paying ***** monthly to them and yet they will not stop late fees, over the limit fees!!!!! I'm working with a debt consolidation company Green ***** but can not send a proposal till February, I get that, but I'm trying and this is crazy it will never be paid. And they are not reporting correctly to my credit report I told her that also!Business Response
Date: 12/08/2022
Please see attached response.Customer Answer
Date: 12/08/2022
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,
***************************
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