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

  
• 

  Atlanticus

  PO Box 23007 Columbus, GA 31902-3007

• 

  FNBO Emerge

  PO Box 1249 Newark, NJ 07101-1249

• 

  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:11/10/2022

  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.

  Hello on October 25th 2022 i signed into my credit account and seen i had a fee of 49$ which wasn't there the day before on 24th and on the 23rd so I paid it I realized they put a balance on card then made do date 3 days earlier to make it look late when in fact the 49$ fee shouldn't have been due till November 25th I contacted them and they apologized and corrected the billing Eara, after that i closed account on 25th the 49$ fee was a membership fee due annually but since I closed account they refunded me my $49 fee but they put on my account as a negative $49, then they reported to my credit report that i settled with them for a lower amount and account was settled unsatisfactory, I paid card off in April 2022 and never used again so there was no balance to settle they have been very sneaky with closing accounts have had to do 3 times to get accounts closed. I have the screen shots of all info discussed in complaint to prove what they did. All i want is for them to put on my credit report Paid on time and never late like it is supposed to say, I have excellent credit aside from this sneaky company, Also the company is" Fortiva " for" Bobs furniture" or" My Bobs" its the finance company the furniture place uses for purchases but i was digging " Fortiva "could be "Aspire"" and managed by "Atlanticus" very shady company, thank you any help you could give to get my credit report resolved would be very appreciated, also have credit report agencies looking into it also, please contact me by cell or email if you need copies of my screen shots, thank you again.

  

  Business Response

  Date: 12/07/2022

  Please view attached.

• Initial Complaint

  Date:11/08/2022

  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 my debit card had expired. Wasnt aware that my debit card was attached to this account. Fortiva never even made me aware. I have several cards linked to different accounts so any little helps. Vivint who is a partner with ******* did their part and made me aware that my card expired. We fixed it and was set up back with my automatic payment. When I get the notice that im behind its been already a month or two. I call them and I make the payment to correct it and also set up with auto payment withdraw and then i was instructed to let the payment go thru. So i waited and who ever I spoke with I gave them my info... and here we go again with late fees and that my card is still expired 3 or 4 months down the road. So now they are getting me with late fees. Worst company Ive ever had to deal with. If need be...please stay away. I'll save you headache. Sounds like some of the other complaints on BBB. Had I checked BBB before...there would be no way i would have chosen fortiva. Vivint pick a different financial partner for your equipment. Terrible experience overall. Extremely upset. These guys cant handle a simple problem that could have been solved months back. Still working on the issue... why do i have to keep paying late fees when ive already done my part... sounds like a scam...BBB please help. This is the only company ive had a problem with.

  

  Business Response

  Date: 12/06/2022

  Please View attached.

• Initial Complaint

  Date:11/08/2022

  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.

  Fortiva Credit is double charging me for a product since October 10th. They refuse to correct the problem in a prompt manner, informing me instead that it will take another 1-2 months. And in the meantime expect me to pay for a product that has already been paid in full. *** tried to resolve this with them numerous times but just keep getting the run around.

  

  Business Response

  Date: 12/06/2022

  Please see the attached response.

• Initial Complaint

  Date:11/07/2022

  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 opened a credit card acount with Fortiva credit card. I was able to make my first monthly payment with my debit card. I attempted to make my next monthly payment and they told me they require a copy of my State ID and a utility bill. I informed them I didn't feel comfortable giving them that information and they gave me no recourse to pay my payment with my debit card. My account is now overdue because they will no longer allow me to pay with my debit card and this reflects negatively on my credit report and score which I'm trying to rebuild.

  

  Business Response

  Date: 12/05/2022

  Please see the attached response.

• Initial Complaint

  Date:11/03/2022

  Type:Product 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 want to complain about the misleading business practices about the Fortiva credit card. After collecting nearly $175 in fees from me, they cancelled my card because "I didn't use it in the past 3 months" and "I had no charges". First, it was unclear that i had to put an actual charge on the card. Second, fees are considered activity and transactions, so this should have counted as a transaction. This is deceptive and misleading, and I want a resolution. I spoke with a customer service agent, and she said that they can't reactivate the account. When I asked if there was a complaints department, she said that "there was none". I want a refund of the $175 in fees that they collected from me.

  

  Business Response

  Date: 12/01/2022

  Please View attached.

  Customer Answer

  Date: 12/01/2022

   
  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:11/03/2022

  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.

  YOU HAVE VIOLATED THE **** 15 USC ****a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS

  

  Business Response

  Date: 12/01/2022

  Please see the attached response.

  Customer Answer

  Date: 12/01/2022

   
  Complaint: 18354814
  
  I am rejecting this response because: This is your policy as stated We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. But the law of the land and congress override your internal process as stated THE LAW CLEARLY STATES: Transactions between the consumer (ME) and the person (YOU) (TBOM/FORTIVA MC) Making the
  report is not INCLUEDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states
  that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
  YOU HAVE VIOLATED THE **** 15USC ****a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. So your company is definitely in violation of the law I already forward a copy to CFPB since you think a game, Your Negligent Non-Compliance is duly noted.

  You have **************************************************** delete all late payments from the below account/s
  Accounts# ******XXXXXXXXXX
  Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking $ ***** per violation for:
  1. Defamation of Character
  2. Negligent Non-Compliance
  3. Civil Liability
  4. Mental Anguish
  5. Fair Credit Reporting Act 15USC **** violations for willful noncompliance - 616. Civil liability for willful noncompliance [15 U.S.C. ****n]
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 12/06/2022

  Please see the attached response.

  Customer Answer

  Date: 12/06/2022

   
  Complaint: 18354814
  
  I am rejecting this response because: How are you in business for this long and don't know what the law states and there is no Credit Bureaus if you know the it clearly states ************************* and you are still violating my rights and the laws set by congress. If you take the time to read the law it clearly states Transactions between the consumer (ME) and the person (YOU) (TBOM/FORTIVA MC) Making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

  YOU HAVE VIOLATED THE **** 15 USC ****a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. So your company don't follow the the laws that have been set forth by congress. And the law don't pertained to your company that is what you are telling me. 

  Sincerely,
  
  *****************************

• Initial Complaint

  Date:11/02/2022

  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 have a credit card account with Fortiva ends in ****. It was opened in September of 2021, I believe. In 2021, I was charged $99.00 in fees which is more than fair for a credit line of $500.00. I have made payments since 2021 and my account balance seems to grow. I am now nearly up to the $500 limit despite the fact very little purchases are made.I am being charged $10 a month service fee that is 120 a year plus an annual fee of $29.00. This is 120 and 29 for a $500 credit line with no benefits? I have called several times and chatted the representatives are just plain rude. Even if i close the account, I am still subjected to the outrageous fees. I was asking for a higher credit limit to justify the nearly $150 in fees but I was denied.I am asking that the initial fees of $99 be credited, the entire 10 monthly fees, and the other annual fees. The minimum due is nearly $50 however with the fees my account will never go down. I want the $10 monthly fees stopped. I also want the credit limit raised.

  

  Business Response

  Date: 12/01/2022

  Please view attached 

  Customer Answer

  Date: 12/01/2022

   
  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:10/28/2022

  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 opened up an Aspire Visa several months back. I have been paying my monthly payments on time every month like clock work. This past month,September to be exact, I paid my account on time as usual. After talking to multiple chat reps and reps on the phone,I was told that my bank disputed my payment for September. This wasn't true at all. I called my bank multiple times and was told they did not dispute it and even emailed a letter stating what they disputed . It wasn't Aspire. Aspire claims that my bank disputed my September 2022 payment. That wasn't the case. Aspire has stolen my money and this isn't the way to do business. I'm just asking that my full balance be cleared if all possible. They Do not want me to take this to the next level because it will be in court. This business should be shut down and I don't believe they are legit at all. Most of the calls come from overseas with Aspire. I'm very upset to know I won't ever get my money back. My account is closed because I closed it as of yesterday. If something isn't done about this, I will publicize this business all over the news,social media,and tell everyone not to ever use these theives!!! I have attached a letter from my bank stating what charge they disputed and it WASNT Aspire!!

  

  Business Response

  Date: 11/23/2022

  Please view attached.

• Initial Complaint

  Date:10/28/2022

  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 a credit account with Aspire. I usually pay month-to-month, but was charged my statement balance on my bank account this month. I was told by the ** that I opted into automatic statement balance payments, which I did not. the statement balance was paid by my bank causing me to have insufficient fund in excess of $800. I was.told by Aspire ** that the payment could not be reversed. when my bank processed the payment I contacted Aspire ** again to inquire about my available balance. I was told it would be available after midnight Wednesday. (available Thursday) when. I check led after midnight my available balance still hasn't updated. Contacted ** again, was told the same thing, that it would be available after midnight Thursday. (available Friday) I checked my balance again this morning and noticed it had went from an available balance of $1 to $0. so I patiently waited for it to updated. It still hadn't by 5:15am so I contacted ** again. I was again told the same thing! that my funds would be available after midnight tonight. (available Saturday). I was lied to by 3 different ** agents. I was also illegally charged the amount of $857 on my bank account because I did not ever authorize the statement balance to be automatically withdrawn from my account. Was told there was nothing they could do. I am having to stay home from work as I have no money in my account for gas because of the unlawful unauthorized transaction Aspire chose to make.

  

  Business Response

  Date: 11/18/2022

  Please view attached.

  Customer Answer

  Date: 11/21/2022

   
  Complaint: 18326647
  
  I am rejecting this response because:

  I do not agree with the statements made by this company. I've contacted customer service via live chat on their website twice. during these chats I've asked for detailed statements/invoice for my account since the day the account was opened. I haven't gotten an email or any other communication from them regarding my request. when the statement balance was charged to my bank account it caused me to become over $465 negative into my account. I have had a negative balance in my bank account since then. I'm a single mother with 2 jobs. I cannot afford to pay my statement balance every month, so I know I didn't opt in for the statement balance automatic payments. the amount they credited to my account isn't sufficient enough to cover the cost of my negative balance, nor sufficient enough to ease the pain, stress, and anxiety this has caused. 

  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 11/23/2022

  Please view attached.

• Initial Complaint

  Date:10/28/2022

  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.

  To Whom This May ******* , I purchased a furniture at Bob's ***** on 2019 and I was offered to finance it through Fortiva... ( account number ending in ... ***** . After paying off my purchase, I never used it again but I had paid annual fees for 2020 and 2021 just so it won't hurt my credit score. I also had spoken with their costumer service representative and requested to close the account since I don't have intentions of using it nor paying the annual fees. This September, 2022, I received an email that the credit card bank charged me with annual renewal fee. I called on September 30th, 2022 and that the service representative confirmed that my account has been closed since last year so I was told that they will file for an investigation so that the amount due will be waived. I never received a communication about their action on waiving this annual renewal fee and penalties. Upon checking on my credit score today, Oct 28th, 2022, I saw that they reported late payment of this supposedly close account and this had adversely impacted my credit score which I worked so hard to rebuild. I chatted with their online representative and sent an e-mail to ********************* about this but I have a low expectation that they act on it. Thus, I am making this complaint. First, why am I being continously charged for annual renewal fees that has been closed since last year? Second, their costumer service is horrible that I never got within 10 days a response of the queries I called for on September 30th, 2022. Please, I am urgently requesting for a resolution of this matter. This is unnecessary stress and financial burden when they keep charging people who wants out of their business.

  

  Business Response

  Date: 11/22/2022

  Please see the attached response.

  Customer Answer

  Date: 11/22/2022

   
  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,
  
  ***************************