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

  
• 

  Compu Credit

  5215 W Wiley Post Way Salt Lake City, UT 84116-2938

• 

  FNBO Emerge

  PO Box 1249 Newark, NJ 07101-1249

• 

  Atlanticus

  9191 Towne Centre Dr STE 220 San Diego, CA 92122-6299

• 

  Atlanticus

  Staten Island, NY 10314

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:09/20/2022

  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 merchant allowed their customer to fraudulent use my account for payment. I don't have an account with and never provide my information for any payment. The company has not tries to fix the problem. And violated the Federam law by processing a payment with out verification the name on the account before processing payment. They are not following the law set out by FCC or Sox.

  

  Business Response

  Date: 09/23/2022

  BBB case #: 18051814
  
  Dear *************************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding a payment transaction that you did not authorize.
  
  We are unable to locate an account with the contact information you provided in your correspondence.
  
  To further assist you regarding the disputed transaction please provide as much information as possible, such as our customers name and/or account number, the merchant involved, the date of the transaction and the amount of the payment, along with any supporting documentation.
  
  Please mail the requested information to: Card Services, ************************************************, to the attention of ************************************ If you prefer, you may email the information to *************************** Please reference BBB Case number 18051814.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  *******************
  On behalf of Atlanticus Service Corporation 

• Initial Complaint

  Date:09/19/2022

  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 account was hacked the beginning of August all my cards were cancelled an account was put on hold until the issue was resolved. Fortiva was on a automatic draft an payment was not able to be made. I was not made aware the payment was not made due to fortiva not having a correct phone number. The payment has since been ****** current. An i have been told they can not fix my credit report due to identiy theft.Please advise

  

  Business Response

  Date: 10/17/2022

  BBB CASE#: 18045835
  
  Dear **************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account. Thank you for notifying us of the reason your minimum monthly payment was not received.
  As a courtesy, a request was sent to the credit reporting agencies to show your Fortiva Retail Credit tradeline as never past due and we have waived the two late fees assessed to your account in August and September. A credit in the amount of $71.00 will be reflected on your next billing statement.
  
  Sincerely,
  
  ***********************
  On behalf of Fortiva Retail Credit *
  
  *The **** of Missouri is the creditor of the Fortiva Retail Credit account.

• Initial Complaint

  Date:09/19/2022

  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.

  I have asked them for several months to stop taking out automatic payments they are trying to take out 150+ dollars a month out of my account I agreed to $40 a month they have charged me over $100 in overdraft fees because of reoccurring automatic payments in which I do not have money for because I am on Social Security disability. They call me at 9:10 oclock at night and I asked them to stop because I am trying to put my grandchildren to sleep you have school the next day they simply do not care and I no longer know what to do.

  

  Business Response

  Date: 10/17/2022

  BBB Case number: 18044684
  Dear ************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Aspire Credit Card account.
  We apologize if your recent customer service experience has been less than satisfactory.
  Your correspondence states that you would like to cancel the automatic payment plan to have your monthly minimum payment debited each month.Per your request we have cancelled the automatic payment plan and have also updated your account to restrict any future phone calls.  
  As a courtesy, we have waived three late fees assessed in August and September totaling $123.00 which will be reflected on your next regular billing statement. Additionally, we have brought your account current.  Your minimum payment due for October 28, 2022 has been adjusted to $0.
  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: 10/18/2022

   
  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:09/15/2022

  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 made a large furniture purchase at ************************ on April 29th, 2021. I was talked into opening a Fortiva credit card. I have been paying on this every month and made my last payment on July 25th 2022 and I closed the account out on August 18th, 2022. I was on vacation in Europe when I got an email notification from Fortiva on July 8th, 2022 about a purchase I made at a ************************ in *********** for $215.88. First of all I have never been to *********** in my life and how could I make an in store purchase when I am not even in the country? I reported this fraudulent charge and was told to fill out an affidavit. I did this and mailed it back to Fortiva. After waiting some time I reached out to them to see an update, because I had gotten another bill for the $215.88. I was told the affidavit was never received. I then emailed the affidavit on August 22, 2022, and was told it was received and the balance was now $0 and the charge was removed.So now it is September 15, 2022 and I got an email this morning at 6am about a charge for $215.88 in **************, in store purchase. It is the same amount as before! I was on my way to work and the store isn't even open at this time! And if my account is permanently closed, how can a purchase even be made! I thought this nightmare would be over once I closed the account but now another fraudulent charge has been made in my name! I have paid off the balance for the furniture I bought and I want to be done with Fortiva forever! This is out of control and unneeded stress!

  

  Business Response

  Date: 09/20/2022

  BBB Case #: 18032711
  
  Dear ***********************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Account.

  We understand how frustrating it can be when a fraudulent transaction appears on your account. As our representative discussed with you on Friday, September 16, 2022,  this issue has been handled by our ***************** The $215.88 amount showing on your account as of September 15th was a credit issued by the merchant,**** Discount Furniture, in response to your original fraud claim.
  
  You will be receiving a letter from our **************** regarding this credit and the conclusion of their investigation.
  
  Also, please be assured that your Fortiva Retail Credit account was closed per your request on August 18, 2022, and remains closed to purchases. Thank you for the opportunity to respond.
  
  Sincerely,
  
  *******************
  On behalf of Fortiva ******************************* of Missouri is the creditor of the Fortiva Retail Credit account.

• Initial Complaint

  Date:09/15/2022

  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 scheduled an automatic payment to come out on Sept 9th. It was pulled and returned supposedly because of NSF. Regardless, I received zero notifications from Fortiva about the failed payment. The only notification I did receive was today saying "Hey you're account is past due" and they tacked on fees. When I called and spoke with a manager, they admitted "We do not send out any notifications other than your upcoming payment and past due notice". When I explained my situation they agreed that my logic was sound in that EVERY OTHER COMPANY sends out notices about failed payments so you can do something about it but did not say WHY ******* does not send out such notices. This tells me that Fortiva purposefully wants people to get charged the late fees. When you ask for the fee to be reversed, they say "Bring your account to current and then we can reverse as a one time courtesy". A "one-time courtesy" FOR THEIR SYSTEM not operating consistently or as expectedly when compared to the rest of the industry standard.

  

  Business Response

  Date: 10/13/2022

  BBB CASE#: 18031799
  
  Dear **************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
  We apologize that your recent customer service experience was less than satisfactory and appreciate your feedback.
  Our records indicate that on May 14, 2022, your Fortiva Retail Credit account was opened to finance a purchase at Vivint Smart Home in the amount of $3,200.14. A review of your account shows that on September 9, 2022, we received an ACH payment in the amount of $91.14. However, on September 13,2022, the payment was reversed due to insufficient funds. Therefore, on September 13, 2022, the credit for the payment amount of $91.14 was reversed (i.e., debited) back to your account.
  
  Please be advised that in addition to providing billing statements each month, notifications are sent via text message and/or email as a reminder when a payment is due, and if your account becomes past due.
  
  You may refer to your September electronic billing statement online via the ********************** to review the payment activity surrounding the $91.14 ACH payment. On September 15, 2022, we received a debit card payment in the amount of $54.00, and on September 21, 2022, we received an ACH payment in the amount of $3,037.14. Thank you for your payments. As a courtesy, we have waived the prior late fee in the amount of $41.00, which will be reflected on your next billing statement.
  
  Your outstanding account balance is $-41.00, and your Fortiva Retail Credit account remains open.
  
  Thank you for the opportunity to respond.
  
  
  
  Sincerely,
  
  ***********************
  On behalf of Fortiva Retail Credit *
  
  *The **** of Missouri is the creditor of the Fortiva Retail Credit account.

  Customer Answer

  Date: 10/13/2022

  They address the point of my charges but they make no point to address their impractical business operating procedures, or an attempt to correct them. The fact that they do not send any alerts other than a your bill is about to be due, and a past due notice is laughable. Every single other company, when they have an issue accepting a payment of yours - will inform you as such ASAP. They don't let the error linger and allow your bill to become past due and then send a past due notice and tack on late fees with no grace ******* Why isn't there at least a grace ******* Why is there no indication of a failed or returned payment from their system? That should be addressed. When I called about this late fee myself they informed me "We'll waive it this one time", as if that is so generous of them. Their system is incomplete/broken and I have to pay the price?

  I effectively closed my account with Fortiva by paying off the balance so as to never to have to deal with them again but others aren't in the same position and may find themselves with fees that could otherwise be avoided if Fortiva would send out reasonable notices about successful AND errored payments.

• Initial Complaint

  Date:09/13/2022

  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.

  I purchased furniture from the ********** store in *********, **. on ***************. I didn&#**;t know I was signing up for financing by ******. They opened a credit card without my knowledge or consent. I ended up paying off the furniture; $2500. I continue to be billed by ******. I have all my receipts from everything that I paid off.

  

  Business Response

  Date: 08/30/2022

  August 30, 2022 
  
  ***********************;
  Better Business Bureau  
  *********** 
  Complaint# ******** 
  
  Dear **********************, 

  
  Thank you for contacting us with your feedback and concerns. We apologize for your experience. After further review of the information provided, we see that you financed

  with Fortiva Retail Credit and you can reach out to them at ************ with any questions you have regarding your financing. We are not privy to any of the financing details regarding your account or its status. 

  If you have any additional concerns, please give us a call at ************. We are open Monday through Friday 9:00 AM to 7:00 PM and Saturdays 9:00 AM to 6:00 PM. 
  
  Sincerely, 
  
  
  ********************;
  Resolution Supervisor 
  Customer Care 
  ************ 

  
  

  

  Business Response

  Date: 10/11/2022

  BBB Case #: 17793236                
  
  Dear ***************************,
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
  
  Our records show that we received a completed dispute form from you on September 20, ************************************************************************************************************ April 2022. We have requested information from Value City Furniture to help complete our investigation.
  
  Our investigation will be completed and responded to within two billing cycles, but not more than 90 days from the date we received your correspondence.
  
  When this matter is resolved, we will notify you of the outcome and any impact the resolution may have.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  **************
  On behalf of Fortiva ******************************* of Missouri is the creditor of the Fortiva Retail Credit account.
  

• Initial Complaint

  Date:09/13/2022

  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.

  My bank Westmark, sent out a letter, to close this account over a year ago and it had a $0 balance. This company has been informed of this multiple times. They still charged an annual fee and late fees. They have been continually informed of this and keep refusing to close it. They have now told me they sent it to collections. I am extremely upset that even though I have legal documentation from my bank of this account being requested to be closed and they still refuse to listen. I will be seeking legal action. I have even tried to reach out via phone and you only get people from a different county who refuse to transfer you to anyone with any authority to handle the matter. Worst customer service ever!

  

  Business Response

  Date: 10/11/2022

  BBB CASE#: 18019935
  
  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 indicate that on August 9, 2021, you received a call from our ********************** inquiring about when we could expect to receive your next payment. You advised the collections representative that your Furniture Row LLC account had already been paid off and that you would contact your attorney if we called you again seeking payment. Please be advised that to date we have not received any documentation from your attorney.
  
  On August 18, 2021, we received a payment in the amount of $80.58. which brought your account balance to $0.00. Please note that we did not receive a request to close your account at that time. Since your account was still open, on June 7,2022, on the anniversary date of your account, an annual fee was assessed in the amount of $49.00 in accordance with the cardholder agreement.
  
  On September 14, 2022, your account was closed per your request. We understand that your intentions were to close your account to avoid being assessed the $49.00 annual fee. On September 19, 2022, your account was credited $124.15 for two (2) annual fees and one (1) late payment fee. The credit in the amount of $124.15 will post to your next billing statement. Your outstanding account balance is $0.00. Since your account is closed with a zero balance, you have no further financial obligation to Fortiva Retail Credit. As a courtesy, a request was sent to the credit reporting agencies to show your Fortiva Retail Credit tradeline as never past due.
  
  
  
  Sincerely,
  
  ***********************
  On behalf of Fortiva Retail Credit *
  
  *The Bank of ******** is the creditor of the Fortiva Retail Credit account.

  Customer Answer

  Date: 10/11/2022

   
  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:09/13/2022

  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.

  We are a small tire shop, and we accept customers credit card payments for our service or products. Recently, one customer made a transaction of $1,991.80 for a 4 new tires purchase. I requested his Drivers License and compared with the credit card which both matched under the name of *************************. Later on, the customer claimed to his bank that he did not made the transaction, so the bank returned the money to him and deducted from us. I filed a chargeback complaint through **************************** and they charged a fee just to file a complaint, they made me register at a website named Business Track and manage the case from there. After hours and hours over the phone waiting to speak to an operator, they said that the bank has 30 days to accept or decline our claim. At the end, the bank declined. I called to find out an explanation and they said they did not have system to check on it so that I need to hire an arbitrator company which I called and charge $200 non refundable just to take the case without any warranty, **** charge between $400 and $500 more just to review the case after the arbitrator submit the case. At this point, I feel that the ***************** and **** fraud protection rules in favor to the card holder only, the protection they offer is taking the money from small business like us, where is the bank liability over this cases. The customer left with the tires. I have proof, he came physically used his credit card , I did all procedures to ensure the credit card belongs to him and yet we had to pay for the stolen money.

  

  Business Response

  Date: 09/15/2022

  BBB Case number:  18019076 
  
  Dear *************************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding the dispute between merchant **************** and customer **************************
  
  Unfortunately, we found no account in our system for ************************* with the address or phone number on the receipt you provided.
  
  In your correspondence, you mentioned working with **** to review the case. We currently service no **** products. 
  
  If you can provide more information about *************************, the credit card he used in this transaction, or the bank involved, you may call our ******************* at ************** for assistance.
  
  We wish you the best in resolving this matter fairly and promptly. 
  
  Sincerely,
  
  **************
  On behalf of Atlanticus Services Corporation

• Initial Complaint

  Date:09/06/2022

  Type:Order 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 missed my August 28, 2022 payment because I was under my doctor's care in the hospital. I am still under their care according to my paperwork until 9/8/2022. I made my payment when I got home on 9/6/22. I called and requested an adjustment for the fees. I don't like how my time was wasted and I explained my situation to the rep and manager and they refused to extend ****** I offered to send in my doctor's note and medical records. I will upload my information and provide more upon request. I spoke with ****, she said she was the manager on duty and I spoke with ***** account rep.

  

  Business Response

  Date: 10/04/2022

  BBB Case number: 17923235
  
  Dear ************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account. Thank you for the opportunity to respond. 
  Our records show that your account is reporting accurately to the credit bureaus as follows:
  On September 3, 2022, your account billed with a balance of $823.65 and a minimum payment of $163.91 due by September 28,2022. No payment was made during this time and a $40.00 late fee was assessed to your account and your account was reported as late to the credit bureaus.However, was a courtesy we have sent a request to the credit bureaus to show your account as never past due and waived the $40.00 fee assessed to your account. 
  
  Thank you for being a valued Fortiva Credit Card customer.
  
  Sincerely,
  ***************************
  On behalf of Fortiva ***************************** of ******** is the creditor of the Fortiva Credit Card account.

• Initial Complaint

  Date:09/05/2022

  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 was scammed by the Fortiva ******************** I opened a small line of credit and shortly after, I was sent a new card. It happened to be a new credit line that I did not approve of. Suddenly, I find that both accounts are closed and I can no longer use them. They claim that I have an over-limit and passed due credit history when I pay my credit cards on time every month and am not over the limit.

  

  Business Response

  Date: 10/04/2022

  BBB Case number: 17919915
  
  Dear *****************************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card accounts.
  On February 16, 2021, you opened a Fortiva Credit Card account ending in ****. Your account ending in **** is currently open and in good standing.
  Our records show that you opened your Fortiva Credit Card account ending in **** on August 29, 2019. Your payments did not meet the minimum monthly requirement as follows.
  On June 14, 2022, your account billed with a minimum monthly payment of $64.04 due on or before July 11, 2022. On July 1, 2022, you made a payment of $64.00 however, this amount did not meet the minimum requirement and your account was marked past due. On July 14, 2022, your account billed with a minimum monthly payment of $64.24 due on or before August 11, 2022. On August 5, 2022, you made a payment of $64.00 however, this amount also did not meet the minimum payment requirement.
  When a minimum payment is not received for two or more consecutive months, the past due status is reported as past due to the credit reporting agencies, your account ending in **** was closed due to nonpayment on July 31, 2022.
  However, we understand from your correspondence that you intended to meet your minimum required monthly payments. As a courtesy, we have reopened your Fortiva Credit Card account ending in ****. Please allow 14 days for credit privileges to be restored to your account.
  Please understand that you must make your minimum monthly required payments in full each month for your account to remain in good standing. Your next minimum monthly payment is due on or before October 11, 2022 in the amount of $69.17.
  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: 10/05/2022

   
  Complaint: 17919915
  
  I am rejecting this response because: I was scammed by the Fortiva ******************* repeatedly. There were no late payments and or over limit transactions but rather just their predatory lending which has cost me irreparable harm. I am requesting that my upstanding lines of credit be re-opened and if that is not an option, that my balance(s) be cleared with the disreputable credit card company. I will report them to the federal level if they do not comply with my basic constitutional rights, they cannot scam underserved, religious ethnic minorities and steal our money by issuing small lines of credit, charging exorbitant annual fees, and then suddenly closing out accounts. Thank you. 
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 10/10/2022

  BBB Case number: 17919915
  
  Dear *****************************:
  We are in receipt of your additional correspondence to the Better Business Bureau regarding your Fortiva Credit Card accounts.
  Our records show that your account ending in **** was closed due to nonpayment on July 31, 2022.
  However, we understand from your correspondence that you intended to meet your minimum required monthly payments. As a courtesy, we have reopened your Fortiva Credit Card account ending in ****. Please contact me directly at ************ or call customer service at ************ to confirm your mailing address so that your new card  can be mailed to you.
  Please understand that you must make your minimum monthly required payments in full each month for your account to remain in good standing. Your next minimum monthly payment is due on or before October 11, 2022, in the amount of $69.17.
  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: 10/12/2022

   
  Complaint: 17919915
  
  I am rejecting this response because: I need correct correspondence from Ms. ***** at Atlanticus/Fortiva Credit Card. There was no late or non-payment in July 2021. I also have two lines of credit with Fortiva which were unjustly closed. I still believe that I am being scammed by Atlanticus. The two lines of credit have different credit card numbers. Thank you for re-opening my account ending in **** but that was not a courtesy, I've paid my monthly bill religiously which is why you suddenly sent me a new account ending in ****. I need both of them re-opened. Your company has left me with no money during a period of major health and safety concerns. Please re-open my second account ending in **** at your earliest convenience.  Thank you. 
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 10/18/2022

  BBB Case number: 17919915
  
  Dear *****************************:
  We are in receipt of your additional correspondence to the Better Business Bureau regarding your Fortiva Credit Card accounts.
  Please be advised that your Fortiva Credit Card ending in **** was never closed and is currently open and in good standing. This will confirm that we have updated our records to reflect that your account was not past due.
  Please contact me directly at ************ or call customer service at ************ to confirm your mailing address so that the new card for your account ending in **** can be mailed to you.
  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: 10/19/2022

  The account ending in **** was closed. If you read initial correspondence with Atlanticus, they state clearly that my accounts were closed. Upon logging into my account dashboard on MyFortiva.com, both accounts suddenly said available credit $0.00 with balances under the credit limit. While both of my accounts were closed I would still receive regular reminders about having to pay both bills and I paid them. I've never been late on any payments and when I asked for a credit line increase, they sent me an additional card not notifying me that it was an entirely separate account. If at all possible, please launch an investigation on ************** and her supervisors so that they can cease the clerical errors and financial terrorism on the underserved. Thank you.