Complaints
This profile includes complaints for Atlanticus's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 937 total complaints in the last 3 years.
- 328 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:10/03/2022
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 lost my job in March and based on the information received from this company they told me they would work with me. Based off our first conversation in March they said a hardship program would be available later in the year. So I kept in constant contact but met with can you pay $250,$600 or anything in that range. If I could pay the amount needed I would not of waited until later in the year to ask for more help. I asked to speak to Corporate because they are constantly dinging my credit, but not providing me with any of the information to help with said hardship program they mentioned after losing my job. I just want actual answers and not representatives that are making continuous promises they can not keep.
Business Response
Date: 11/01/2022
BBB CASE#: 18159013
Dear ********************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account.
Our records show that you contacted customer service on May 13, 2022 and that same day, Covid-19 protection was placed on your account.In the Covid-19 Protection letter you received, you were advised to call and inform us each month that you needed Covid-19 protection. Our records show that there were months where you did not call us to inform us that you needed Covid-19 assistance and you were removed from the program. On August 22, 2022,you called to reissue Covid- 19 protection on your account and the program.
On September 17, 2022 charging privileges were closed from your account as your account was more than 90 days past due. We understand your disappointment regarding the decision to close your account.
We are unable to reopen your account, however we understand that these are difficult times and would like to further assist you.On October 31, 2022, we waived interest fees, late fees, and account maintenance fees in the total amount of $377.89 and reissued Covid-19 protection to your account. In addition, we have sent a request to the credit bureaus to bring your account current and your minimum monthly payment was reduced to $106.73. Please make sure that future minimum monthly payments are received prior to the payment due date.
Thank you for the opportunity to respond.
Sincerely,
***************************
On behalf of Fortiva ***************************** of Missouri is the creditor of the Fortiva Credit Card account.Customer Answer
Date: 11/02/2022
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,
Kingston ********Initial Complaint
Date:10/01/2022
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 a credit card with Fortiva which was used to finance services purchased through *******, whom they have a partnership with. Over the last 3-4 months, I fell behind on payments for the card. In early September, when I signed onto the Fortiva website to view my account, I saw a message displayed across the top of the webpage indicating that because my account was delinquent Fortiva was offering to give me a statement credit equal to 50% of whatever payment I could make by 9/25/22. I owed a little over $1500, so I made a payment of a little over $1000 using the payment portal on Fortiva's website through that banner notifying me that I would receive a statement credit. The account received my payment without issue, but no statement credit was given. When I called Fortiva seeking assistance, they informed me that they have no record of such an offer being made and that they could not assist me further with this matter. I would not have made such a large payment at this time if I was not getting a statement credit; I simply would have brought the account back to current. I have been deceived by *******.Business Response
Date: 10/27/2022
Please see the attached response.Initial Complaint
Date:10/01/2022
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 tried adding this card to my ****** wallet and they put my card into suspension. And then would not release it until they got copies of my Driver's license and a utility bill. But had no problem discussing my account in full with normal account verification. Thus the requiring of farther information was solely to collect information beyond what was needed. I even told them to forget the ****** wallet I just wouldn't add it and they still refused to release my card. So the account is closed and this will affect my credit negatively I feel as though they should be held responsible for this derogatory **** against my credit as I never missed a payment and my account was paid in full prior to all the issues.Business Response
Date: 10/25/2022
Please see our attached response.Initial Complaint
Date:09/29/2022
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.
In the 3+ years of having this account to shop with build.com, I have never missed an payment/bill. I have purchased many things to improve my home. I never missed a scheduled payment. I worked through Covid, been labeled as Essential laborer due to my position as a train conductor for BNSF Railway. I worked continuously through the epidemic, while also working on paying down all my bills. Since I was in the process of paying the bill down for the last 12 months, ******* decided to terminate my account for lack of activity. Now where the majority of humans didnt pay their bills or work during Covid, I did. Now Im being punished for being diligent and responsible. Then after terminating my account, I logged in last week to pay my bill and was blocked by fortiva on their website. so as to my amazement just yesterday fortiva has turned me and my credit in to havoc for sequencing my account to collection agency wow the nerve of this company and treating me like this for no reason.Business Response
Date: 10/27/2022
please view attached.Initial Complaint
Date:09/29/2022
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 a balance with Fortiva and I have been making regular payments however they continue to call me everyday of the week usually 3-4 times a day. I would like to file a harassment complaint and have my debt erased from the company.Business Response
Date: 10/28/2022
Please see the attached response.Initial Complaint
Date:09/28/2022
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 was locked out of the website to make a payment. I was unable to log in and did not receive any correspondence from *******. On Aug 22nd, I received a phone call advising my payment was late. I made the payment which had been due on Aug 16 and asked the representative on the phone to help me unlock my account to which I was able to log in after. The representative on the phone assured my nothing would be reported to the credit bureau since this was due to a technical issue. I have submitted multiple requests with no avail to have this late payment removed from credit report even after I was assured it would not be reported in the first placeBusiness Response
Date: 10/27/2022
BBB Case number: 18141663
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 On August 19, 2022, your account billed with a balance of $1,850.57 and a minimum payment of $390.96 due by September 16, 2022. No payment was made during this time and a $41.00 late fee was assessed to your account.
On September 28, 2022, you called and explained that you had issues logging into the account to make you payment and your late fee was waived as a courtesy. The late reporting of your account was reviewed and deemed accurate as your minimum monthly payments were not paid in full by the due date in April August 2022
Please make your minimum monthly payments by the due date to avoid late reporting on your account in the future.
Thank you for being a valued Fortiva Retail Credit customer.
Sincerely,
***************************
On behalf of Fortiva Retail Credit *
*The **** of Missouri is the creditor of the Fortiva Retail Credit account.Initial Complaint
Date:09/26/2022
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.
In March of this year, we moved our office to a new location from *************************************************************************** to *************************************************************************, therefore purchasing new security equipment and setting up a new account and loan with Vivint. All our loan accounts have always been set up with Citizen One through Vivint, so we naturally assumed this one was also. We never received any kind of notification from Fortiva that they had our new loan. On May 2, 2022, we called Vivint to change our credit card to a new one for automatic withdrawal and we assumed that we were all updated and were still unaware that Fortiva had our loan and they had not been updated with our credit card information. The only reason we found out that ******* had the loan account was through the owner **************** credit report, as they had reported him to the ************* for nonpayment since April of 2022. He immediately called the number from the ************* report and only then did he find out that ******* had the equipment loan through Vivint. He immediately paid them over the phone and got his account current and since then had even paid them off in full. We are not complaining that the money was due to Fortiva. We are complaining that ******* never notified us that they now had the loan account and that they did not have a credit card on file for automatic withdrawals. All we are requesting is for Fortiva to take off the delinquent account they posted on **************** credit report. We do not feel it is fair or lawful that Fortiva reported the account to the ************* without notifying us first and feel that a text message is not a lawful way to notify us that our account is in arrears. As having spoken to many people, all, including myself, believe that a text message from someone who you do not know is considered spam and will not look at it. We have reached out to Fortiva numerous times, and they have not resolved the issue. Our Fortiva account #ends in ****.Business Response
Date: 10/20/2022
Please see the attached response.Customer Answer
Date: 10/20/2022
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:09/26/2022
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.
The company tried to double charge me on June 17 for the amount of *****. When I contacted them I was told my banking information was invalid though they took money from the connected account the month prior. I was left in the chat for over 20 minutes and then it abruptly ended once I sent evidence. When I asked for management I was left in chat again, even when I called they tried to get me to immediately pay before speaking to anyone. To this day they are still adding things onto my bill/credit report though the account has been closed since July 8th.Business Response
Date: 10/25/2022
Please see the attached response.Customer Answer
Date: 10/28/2022
Complaint: 18126424
I am rejecting this response because: my account has been closed since July 8th. You should not have been adding charges to it this entire time. I will not settle for that.
Sincerely,
*****************************Business Response
Date: 11/03/2022
Please see the attached response.Customer Answer
Date: 11/03/2022
Complaint: 18126424
I am rejecting this response because:
I should not have to pay more than the ***** that your business attempted to double charge me for. I will not comply with any other settlement attempt
Sincerely,
*****************************Initial Complaint
Date:09/23/2022
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.
TBOM/ATLS/FORTIVA has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority in September 2022. This adverse action as defined under 12 CFR 1002.2(c)(1)(i), which has the same definition as 15 U.S. Code 1691(d)(6), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801(a) of the ********************* ****** Financial Protection Act, has been violated.I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a(2)(A)(i). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by TBOM/ATLS/FORTIVA before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or TBOM/ATLS/FORTIVA to furnish any late payments to my consumer report. It is my belief that due to TBOM/ATLS/FORTIVA business relationship with the consumer reporting agencies, (such as Equifax, Experian, Transunion), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. I have been tolld they would correct the issue and now I continually get canned responses saying that they can't correct the report. It is illegal to report negative information that is not true.Initial Complaint
Date:09/21/2022
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.
The aspire card they provided isnt working. Talked to two representatives who said the card is active. One of them said they can decline any purchase they see fit. I want a replacement card or the lock on the card removed ending in ****.Business Response
Date: 09/27/2022
BBB Case number: 18056795
Dear ************:
We are in receipt of your additional correspondence to the Better Business Bureau regarding your Aspire Credit account.
In your additional correspondence you state that the Aspire Credit card you were provided isn't working.
You state that you would like a replacement card or the lock on the Aspire card ending in **** removed.
You were advised by a representative on September 21, 2022,that the account was open and that the card was active and ready to use for transactions. After a review of your account, we are able to see that your card is active and there are no locks on the card. In addition, your account is open with no restrictions.
Since you are saying you are having trouble with your current card, we will gladly send you a replacement card. Please be advised that your new card will take **** business days to arrive in the mail.
Thank you for the opportunity to respond.
Sincerely,
***********************
On behalf of Aspire ***************************** of Missouri is the creditor of the Aspire Credit Card account.Customer Answer
Date: 09/27/2022
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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