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

  
• 

  Emerge Credit Card

  PO Box 84079 Columbus, GA 31908-4079

• 

  Atlanticus

  PO Box 105341 Atlanta, GA 30348-5341

  
• 

  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:10/26/2022

  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 believe Fortiva Retail Credit is practicing fraudulent actions on customer's accounts. Ever since purchasing my Vivint doorbell system, I have been enrolled in the automatic payment plan with Fortiva (since January 2022). In August 2022, I noticed my debit card would be expiring and updated my card/account number on my Fortiva profile (ensuring the automatic payments were still in place - which they were). The August payment deducted from my account on August 20, 2022 with no issues. However, the company never debited my September payment, and sent me a text notification of a "Past Due" amount in October. I chatted with a rep who informed I was not setup for auto pay and my account never was, but clearly as you can see in the attached document, my account has ALWAYS been setup for the auto pay.I am demanding my late fee be returned back to me, in addition to an apology letter from the company for the mistake on their accounting departments' end. Clearly, Fortiva is at fault and needs to correct the issue, I don't have time to make manual payments monthly when there is technology at credible companies who have actual successful functioning auto pay systems.Refund the late fee payment made on October 15, 2022 for $23.00 and correct my auto pay issue in your system, as the only option available for me when trying to edit the auto pay is to DELETE it.

  

  Business Response

  Date: 11/23/2022

  Please view attached.

  Customer Answer

  Date: 11/23/2022

   
  Complaint: 18315721
  
  I am rejecting this response because:

  Whomever sent the reply did not read what was sent. The debit card was updated in the system in August 2022, WELL BEFORE THE NEXT PAYMENT WOULD BE DEBITED (so your response is incorrect). If you need assistance comprehending, I can explain via phone AGAIN, as it seems the last TWO times I've spoken to reps they didn't comprehend either.

  The new card was added in August *************************************** the automatic debit from the card. Your system didn't pull the payment and there was nowhere on the site that said I was no longer enrolled in the automatic payment process (as AGAIN the site showed I WAS enrolled when I updated the card in AUGUST 2022).

  Going forward, I want NO MORE ISSUES with your faulty billing system fraudulently NOT debiting customers payments and scamming for late fees (WHICH YOU WILL RETURN BACK TO ME BEVORE END OF THIS WEEK). Or, I could let my director here at the *** sanction an audit of your billing department's practices and see how many other customers have been scammed.

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

  

  Business Response

  Date: 11/29/2022

  Please view attached.

• Initial Complaint

  Date:10/25/2022

  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.

  On 8/03/2022 my wife and i were shopping for a living room set.As she visited several furniture stores,American Freight was the one that we decided on.This was because the sales manager (*****)told us the set we were interested in was on a 12 months same as cash deal.So we chose to go with it.We also have the contract that he write up for the total amount of $2313.36.About three weeks later when we received the first payment statement from Fortiva Retail Credit,we noticed they are including interest charges,and fees charged.I have called the store many times to get this cleared up.I've talked to ***** and others and they keep telling me to call Fortiva.When I call Fortiva,they tell me to call the store.It has become an outright nightmare dealing with these unscrupulous scoundrels.I've told both parties that i want them to honor the 12 months same as cash told to us by *****,the store manager.There should not be any interest or other fees charged if the contract is paid within 12 months.If they can't be true to what we were promised,then I've asked them to pick up the furniture,refund my payment and void this deal.

  

  Business Response

  Date: 10/17/2022

  The customer made a purchase at American Freight using a payment plan.   The customer applies for a payment plan directly with the provider and is offered one of the plan options based on creditworthiness as stated in the details of the offer.  The provider decision is communicated directly to the customer and the customer is provided with contract details including terms and conditions of the approved offer.  Once an offer is approved and accepted by the customer, the customer can use the account to complete a purchase.  Credit offers are provided by Fortiva Retail Credit and the customer would have received account details directly from them when accepting the offer.  American Freight is not a participant in the credit offer or related communication. American Freight store management has attempted to assist and advised the customer that they can pick up the merchandise and process a refund once the merchandise is returned.  The customer did not accept that offer, requesting credit before releasing the merchandise.  American Freight policy will not allow a refund prior to having possession of the merchandise. 

  Customer Answer

  Date: 10/21/2022

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 18131639
  
  I am rejecting this response because: 
  
  Regards,
  
  ***********************

  

  Business Response

  Date: 11/18/2022

  Please view attached.

• Initial Complaint

  Date:10/20/2022

  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.

  The credit bureaus stated about TBOM/ATLS/ASPIRE , account number #**************** was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.They also they violated my rights under 15 U.S.C **** section 604 A section 2: The law clearly states a consumer reporting agency cannot furnish an account without my written instructions.They also violated my rights 15 USC **** (2) (a): The law clearly states the credit bureaus have 5 days to notify me when they receives my disputes.They also violated my rights under 15 usc **** section 611 (5) (a)(l)(ii)The law clearly states if items are found inaccurate or cannot be verified the consumer reporting shall promptly delete the information from the file of the consumer

  

  Business Response

  Date: 11/17/2022

  BBB Case number: ********
  
  Dear ********************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Aspire Credit Card account.
  
  Our records reflect that you opened an Aspire Credit Card account on December 21,2020.  
  
  Please note that, upon opening an account, our customers are provided with a cardholder agreement which states that: 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.
  
  When a minimum payment is not received for two or more consecutive months, the account is reported as past due to the credit reporting agencies.Our records indicate a minimum monthly payment was not received by the payment due date for the months of June - August 2021. Our review of your payment history reflects that it has been reported accurately to the credit reporting agencies. On November 16, 2022, we sent a request to the credit bureaus to update your reporting as a courtesy.
  
  This will confirm that your account is currently closed with a $0.00 balance.
  
  Thank you for the opportunity to respond.
  
  *****************************************************
  On behalf of Aspire Credit Card *
  
   *The **** of Missouri is the creditor of the Aspire Credit Card account.
  
  

  Customer Answer

  Date: 11/17/2022

   
  Complaint: 18249013
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:10/14/2022

  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.

  This is a loan for services at Ideal imaging made on 09/27/2022. I contacted Fortiva one week after on 10/04/2022 to advise the loan would not be necessary due to catastrophic changes and that the services had not yet been provided and to cancel the line of credit. The funding from the Financial Institutions was disbursed prior to services. Funding should not be provided until the date of the service 10/18/2022, and there are interest charges accruing before a service is provided. I am the consumer for Fortiva, not *************. I should not have to go through ************* for any resolution.

  

  Business Response

  Date: 11/10/2022

  Please see the attached response.

• Initial Complaint

  Date:10/14/2022

  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 cancelled my payment way a head of time and they took it anyway from my account anyway Was going to pay it off at the end of the month for Oct. I cancelled payment on September 14 proof is attached.

  

  Business Response

  Date: 11/11/2022

  Please view attached.

• Initial Complaint

  Date:10/13/2022

  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.

  Date of transaction 09/22/2022 For 2x the amount of $241.84 I used the FORTIVA app always to make payments, their mobile app was glitches on 09/22/2022. I tried to make the first payment of $241.84 and it did not go through. Being that the first payment did not go through I tried to make the same payment of $241.84 a second time. After the second payment I made, I checked my checking account for the debit card that I used, I seen that there were 2 payments taken of $241.84 made from my checking account. I immediately called up FORTIVA and told them that their mobile app was glitching and that I needed a credit of $241.84 back to my account of the second payment that I had went through on their mobile app. The customer service representative said that she would send me the credit back for the extra payment that I made. My account had immediately with ******* had gone to $ **** so I had paid the remaining balance that I owed the them. I check my FORTIVA account a week has gone by and I am still showing an amount of $241.84 left that ******* says that I owe. I call my bank and get a copy of my statement that has a POS credit of $241.84 and a POS debit in the amount of $241.84 so there are the 2 payments the one that I asked to be credited back by ******* and the payment to pay off the FORTIVA account. I did try to handle this amicably through FORTIVA but they are saying that I had insufficient funds on September 25, 2022 that is why my payment did not go through, in which completely does clearly not make any sense. I sent them in an email to their services.myfortiva.com a copy of my bank statement that highlighted the 2 amounts of $241.84 with a running balance, and the statement from FORTIVA that they sent me of saying amount owed is $ ****. I have always made my payments on time with FORTIVA and never late. I need help in resolving this issue please. I am attaching the documentation for this matter.

  

  Business Response

  Date: 11/09/2022

  Please view attached.

  Customer Answer

  Date: 11/09/2022

   
  Complaint: 18221563
  
  I am rejecting this response because: I have my bank statement that shows the amount of $****** was posted to Fortiva on September 23, 2022. The company (Fortiva) said they tried to pull the payment from my on September 25, 2022 and said they could not pull the payment because of insufficient funds? I have always had a running balance and this company blatantly lied about this as they are about the payment that shows on my account statement as a POS debit that posted on September 23, 2022. As far as the $ ****** not being avaible on September 25, 2022 supposedly due to insufficient funds. I have provided proof that there was no insufficient funds the account was not even used or anything pulled out on the day. i always have a running balance. My account was not used again until September 29, 2022. An insufficient funds fee would show on my statement. Please take a second look let me I used the FORTIVA app on my cell phone on September 22, 2022 to pay off my account, the first payment did not go through so I made a second payment. I checked my bank account and 2 payments were taken out of $****** 2 I immediately called up Fortiva because both payments were pending. I immediately called up ******* and told them that I had made a second payment on the account and that I would like for Fortiva to reverse the second charge. The woman who did this for me said the dnt worry this account is paid in full and she reversed the 2nd payment of $******.I have been a faithful customer who always paid off my account in full, never missed a payment for the ***************** I will simply not be doing business with a shady company.
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 11/15/2022

  BBB CASE#: 18221563
  
  
  Dear ********************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.  Thank you for the opportunity to respond.
  
  Our records show that you made a payment on September 22,2022, in the amount of $241.84 which paid off your account and brought your balance to $0.00. That same day you contacted customer service and requested the payment be refunded. On September 25, 2022, the $241.84 was refunded as per your request. We have no record of any duplicate payments. Please be advised that the additional documents you included with your correspondence show that one payment of $241.84 was made to Fortiva and that it was credited back to your account.
  
  
  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: 11/15/2022

   
  Complaint: 18221563
  
  I am rejecting this response because:

  First of all now there was a payment credited on September 25, 2022 of $241.84 which is a blatant lie. The 2nd payment of $241.84 was credited back into my bank account on September 23, 2022. Please see bank statement provided. The first lie was I had insufficient funds on September 25, 2022 ? Which I have clearly provided proof with the documentation that I have provided. Please take a look at the documentation provided for this real closely. Fortiva you can clearly not get your lies straight. I DO NOT ACCEPT THIS REPSPONSE BECAUSE OF SHADY BUSINESS PRACTICES. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:10/09/2022

  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.

  On 08-04-2022, I called Fortiva to issue a settlement agreement and to pay an amount I could afford which was ****** and to close the account as paid. An agreement was confirmed on the base that I would pay ***** that day and the ****** by 08-15-2022. On 08-11-2022 I sent a settlement agreement that outlined what we had agreed to and it was picked up in person at the post office on 08-16-2022 by a representative of Fortiva. I paid my agreed amount on 08-12-2022. I knew it could take up to 60 days for the account to update so I ignored the following emails and texts that my payment was due as when I went online the account was closed so I thought they were in the process. When I recieved another notificatin in October 2022, I called the company any explained so I could clarify the situation. I was told that I was placed in a hardship program and that I still needed to make my monthly payment. I spoke to 3 different representatives on the phone and a couple representatives through text message. Each one saying that they cannot do anything for me. I was told the account had closed in July but on 08-04-2022 when I had the account pulled up it did not say it was closed, nor did I recieve any notification by any means that the account had closed or was set to close. I just want my settlement agreement to be in place and this account closed as paid, which was the agreement that we had. My desired resolution is stated as "Finish the job" this is in reference to me needing this account to be settled as agreed by the creditor. I want no further interaction with this company nor its associates. Just do what was agreed upon on 08-04-2022. I have contacted a lawyer and we are in the process of seeking out legal action, but this can be avoided if ******* just would rather agree (again) to settle this account as paid. I upheld my end of the agreement and they need to uphold theirs.

  

  Business Response

  Date: 10/14/2022

  BBB Case #: 18189454
  
  Dear *******************************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
  
  We apologize that your experience did not meet our high customer service standards. Additional coaching will be provided to our representatives as we always strive to provide exceptional customer service.
  
  Our records show that on August 4, 2022, we received a payment in the amount of $643.46, which equaled one-half of your outstanding balance. We have issued a matching credit to your account as per the agreement summarized in your correspondence. Your account is now closed with a zero balance.
  
  As a courtesy, we requested the credit bureaus to remove the past-due history from your credit report.
  
  Thank you for being a valued Fortiva customer.
  
  Sincerely,
  
  *******************
  On behalf of Fortiva ******************************* of ******** is the creditor of the Fortiva Retail Credit account.
  

  Customer Answer

  Date: 10/14/2022

   
  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:10/06/2022

  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.

  Fortiva has closed my account twice without my permission while I was making monthly minimum payments that were due. 1st issue Fortiva apologized & reopened my account immediately and admitted to company error. Upon reviewing my account in Jan 2022 I realized my account was closed again I made contact with Fortiva regarding this matter & was informed on 02/04/22 that my account could not be reopen & continue to make my monthly payments which I did so. Upon 10/06/22 I was made aware that ******* reported to the credit reporting bureau that my account had not been paid and caused a significant decrease in my credit score. On 10/06/22 I made contact with Fortiva (1 hour and 5 mins call) only to be told to that I had been enrolled to receive Payless statement (I did NOT opt to do this) and pay $192 to bring my account current with no explanation. I asked to do a settlement since my account was permanently closed and was told there was no option. I want this matter resolved & to no longer have business with Fortiva. In addition I have not used this card in over 1 year..

  

  Business Response

  Date: 11/04/2022

  Please See Attached.

• Initial Complaint

  Date:10/05/2022

  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.

  Date of Transaction: 7/26/2022 Date of Notice of Cancellation: 7/29/2022 Date of Credit in the amount of $1960.96 from VIVINT to FORTIVA: 8/16/2022 TBOM/FORTIVA has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer credit report. FORTIVA was notified that the contract for service with VIVINT the company that brokered the line of credit with them was nullified by a notice of cancellation of contract submitted during the 3 day rescission period. VIVINT extended the line of credit through FORTIVA, however the credit line was null and void as the contract was voided therefore not legally binding. VIVINT credited ******* the full voided contract amount of $1960.96 and closed the account. FORTIVA fraudulently added interest onto the account and left the account open. I repeatedly reached out via telephone and mailed correspondence to ******* requesting the account be closed. To date FORTIVA has refused to close the account and have furnished inaccurate and knowingly false late payments in the amount of three dollars and eighty cents ($3.80) to my consumer credit report. This amount is interest they added to an account that should have never existed as the contract was null in void. I exercised my right to submit the NOTICE OF CANCELLATION for the transaction, which was suppose to absolve me of any penalty or obligation as long as it was submitted within three (3) business days of the transaction. It was submitted accordingly and VIVINT honored the cancellation by crediting the full contract amount to FORTIVA, yet FORTIVA is penalizing me and obligating me by taking adverse action against me. FORTIVA is committing a violation of the Fair Credit Reporting Act and I want this matter resolved.

  

  Business Response

  Date: 11/03/2022

  Please see the attached response.

  Customer Answer

  Date: 11/08/2022

   
  Complaint: 18174390
  
  I am rejecting this response because: they are still inaccurately reporting a delinquency on my credit reports.  They know the way they are conducting business is fraudulent.  This account was not open long enough to accrue interest as the original contract was canceled during the 3 day rescission period.  They are reporting a 30 day late when the account was not even open for 30 days.
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 11/14/2022

  Please see the response attached.

• Initial Complaint

  Date:10/03/2022

  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.

  Upon receiving news that I was extremely sick and needed a surgical procedure, I called and closed the fortiva card. I waited for a final bill, called for a final bill, I was told that I was set to receive all my communication from fortiva through e-mail. The email instructed me to log on to my account online and pay the bill upon closing the card, fortiva closed my online access, denying me the effort to pay off the bill Ive called them numerous times about this issue, and now theyve made false claims to the credit bureau claiming that Im late on a bill I never received nor can I pay due to my lack to access their system. I have underwent 2 operations within this time, and Im still on bed rest. I have absolutely no problem paying a bill I owe but I do think that this company is fraudulent by not supplying me with a final bill yet charging the account fees and interest, all while continuously telling me that I must log on to my account to pay, and I cant talk to customer service until I pay the late fees and interest on a bill I havent received, reviewed, and due to their system, cant log on to pay. The cant log on issue is claimed to be a problem only tackled by customer service but Im denied access to customer service until I pay fees and interest that should of never been accumulated!

  

  Business Response

  Date: 11/01/2022

  Please see the attached response.