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 105374 Atlanta, GA 30348-5374

  
• 

  Atlanticus

  PO Box 23034 Columbus, GA 31902-3034

• 

  Emerge Credit Card

  PO Box 84079 Columbus, GA 31908-4079

• 

  Fortiva Credit Card

  PO Box 650847 Dallas, TX 75265

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:09/03/2022

  Type:Product 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 paid over the amount due since I got this credit card. ONCE I had a returned check and I paid that back last week. I got a letter on 9-3-22 stating they cancelled it because I was over limit. Funny it wasnt a week ago. I do believe that this may be a scam outfit and filing a complaint with cfpb about the matter.

  

  Business Response

  Date: 10/03/2022

  BBB Case number: 17903513
  Dear ******************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account. Our records reflect that your account was closed as a result of being overlimit and having multiple payments (August 13, 2022 ($174.31) and August 16, 2022 ($75.00) reversed for insufficient funds.
  As a courtesy we have waived two return check fees in the total amount of $50.00, along with the $85.00 annual fee however we are unable to reopen your account as a result of the accounts overlimit status. This will bring your account balance to $553.75.
  Additionally, no refund is due as you have a current balance of $688.75 which exceeds your $350.00 credit limit. Enclosed for your review is a copy of your billing statements since you opened the account on June 5, 2022.
  Our records indicate that you have a minimum payment due in the amount of $45.00 due on or before October 16, 2022.
  Thank you for the opportunity to respond.
  
  Sincerely,
  ***********************
  On behalf of Fortiva ***************************** of ******** is the creditor of the Fortiva Credit Card account.
  
  

  Customer Answer

  Date: 10/04/2022

   
  Complaint: 17903513
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 10/04/2022

  I am rejecting this due to the fact that I believe I have been defrauded and will be sending a copy to FTC and CFPB, and fortiva will no nothing to try to resolve it

• Initial Complaint

  Date:09/02/2022

  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 was surprised to learn that my credit card payment did not go thru on my autopay setup. I corrected the problem unfortunately I did so past the due date. I am trying very hard to manage my credit and one late payment can be a pain. I kept being told on the online chat that they report all activities as per the Fair Credit Reporting Act. (They were very tight lipped as to what will be reported) I finally asked them that even though the payment will be resolved within 30 days I have no way of preventing a late payment being reported. They said yes. Other credit cards that I have will not report any adverse actions if the payment is resolved within 30 days. I feel this is an unethical and shady business practice. Both companies are regulated by the same laws it is absolutely ludicrous that one company can be helpful but another cannot.

  

  Business Response

  Date: 09/22/2022

  BBB case #: 17897106
  
  Dear ***************************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Aspire Credit Card account. Thank you for the opportunity to respond.
  
  Because the delinquency was resolved within 30 days, no delinquency was reported to the credit bureaus. 
  
  Thank you for being a loyal Aspire Credit Card customer.
  
  
  Sincerely,
  
  *******************
  On behalf of Aspire ***************************** of Missouri is the creditor of the Aspire Credit Card account.

• Initial Complaint

  Date:08/31/2022

  Type:Product 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 payment with my credit card of $96.00 ending in **** to ******* only ******* never received this payment. My phone was turned off and I had to pay with another card to have service restarted and pay a disconnect fee. I contacted Fortiva Credit and they told me to file a fraudulent affidavit with them which I did. They received this and told me it would be 90 days before I would see my money or get an answer on what was going to happen. I have messaged them and called and nothing has been done. I only hear it will take 90 days . 90 days was over on August 17,2022 I called and I get nothing but excuses. Today 8/31/2022 I am told to contact ******* because they are saying they never received my money. Well I guess not when it was scammed/stolen . This company will not refund my money and this is a legit reason to refund me . I now believe ******* is keeping my $96.00 so I am saying they have stolen my money. I need help with getting this settled and my money returned to me. Please let me know what else I need to do to get this resolved. I pay on my account have never had an bounced payments and are in very good standing with them. This is not the way to treat people. The transaction was done on May 4,2022 for the amount of $96.00. Payable to ******* and it was never received to *******. I have also told them I want a copy of the fraud affidavit that I completed and sent to me. Thank u *******************

  

  Business Response

  Date: 10/01/2022

  BBB CASE#: 17808649
  Dear **************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account ending in 9701
  Our records indicate that on May 6,2022, you made a payment to a merchant ******* Wireless in the amount of $96.00. On May 8, 2022, you contacted customer service to dispute the transaction.
  After a thorough investigation, our **************** concluded that the transaction was not unauthorized, and a letter was mailed to you explaining the specific reason for our determination. We have included a copy of the resolution letter with this response for your convenience. Since the transaction was determined to have been authorized and the funds for the transaction were released to ******* you will need to contact the merchant directly for further resolution.
  
  In addition, this will confirm that your account was closed on September 6, 2022, as per your request.
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  ***************************
  On behalf of Fortiva ***************************** of ******** is the creditor of the Fortiva Credit Card account.

• Initial Complaint

  Date:08/31/2022

  Type:Product 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 my credit card payment on the Fortiva app the day before it was due. It was to be processed the next day on the due date. I have a confirmation number stating that. It took them 6 DAYS to process it. They are charging me late fees and as a result of that Im over my credit limit. Ive talked to SIX DIFFERENT AGENTS none of which could explain why there are late fees and why it took them SIX DAYS to process the payment. They also refused to let me speak with a supervisor regarding this.

  

  Business Response

  Date: 09/26/2022

  BBB case #: 17808158
  
  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.
  
  We apologize for the confusion you experienced over the processing of your payment. We received one payment on August 21, 2022 for $55.00, and another payment the next day for $50.00.  The first payment ($55.00) was scheduled to process by August 23rd, which was your due date.  As explained by our **************** representative via telephone, payments are applied to the billing cycle in which they are posted. This meant that both payments would be applied to the billing cycle with the due date of August 23rd. 
  
  When you expressed your intention for the second payment ($50.00)to apply to the September billing cycle, we delayed posting the $50.00 payment.This way, you would be paying toward your August and September due dates.
  
  However, you then canceled the $55.00 August payment.  No payment posted for August.  The $50.00 payment was posted in the September cycle, as planned.  The missed August payment caused late fees to be assessed to your account in the amounts of $36.74 and $41.00.
  
  We have reversed those late fees. Additionally, we are removing the past-due and over-limit entries from your credit report. 
  
  Thank you for taking the time to alert us to your situation,and for being a valued Fortiva Credit Card customer.
  
  
  Sincerely,
  
  **************
  On behalf of Fortiva Credit Card*

• Initial Complaint

  Date:08/30/2022

  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.

  No credit protection offered although credit protection was signed up for and/or promised upon enrollment. Beginning in September of 2021 Debt = $1034. Credit limit = $1000.I have been impacted by the coronavirus pandemic -Ive had it twice! For months FORTIVA has told me I am signed up for credit protection, but I cant seem to get signed up. Month after month, I am advised to make a payment first, and then my credit protection will be available. The company has waived a few payments due to COVID-19 but refuses to initiate my credit protection plan. I have chat screenshots, names, and dates of those Ive spoken to regarding this issue. And every month I am paying copious amounts of fees that I cant seem to get ahead of. Often, I cannot understand the agents, or the phone connection is fractured. The interest rate on this card is out of control and the fees are unmanageable! Call after call after call -no relief or credit protection. Referring me to one department or another. Follow-up after follow-up. The company has me feeling as if Im in a washing machine spin cycle which may never slow down or shut off!The company has of yet to resolve this ongoing issue and it has been one year since my first COVID infection.Account ending ****

  

  Business Response

  Date: 09/28/2022

  BBB Case number: 17796757
  Dear ****************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account.
  Our records indicate that you opened your Fortiva Credit account on January 28, 2021.
  Our records indicate that the last payment we received from you was on August 3, 2022, in the total amount of $124.06. Please be advised that your account is currently past due $64.00.
  You state that you were affected by the Covid-19 Pandemic and wanted to activate your Credit Protection benefit. You were advised that your account would be set up for Covid relief on August 4, 2022. The Covid updates were applied to your account the same day. Additionally on August 4, 2022, your account was enrolled into the credit protection program.
  To assist further assist, we have requested the credit bureaus to update your credit bureau to a current status.
  Thank you for the opportunity to respond.
  
  Sincerely,
  ***********************
  On behalf of Fortiva ***************************** of ******** is the creditor of the Fortiva Credit Card account.
  

  Customer Answer

  Date: 10/04/2022

   
  Complaint: 17796757
  
  I am rejecting this response because:
  

  FORTIVA CREDIT PROTECTION
  10/04/2022
  5:58 AM
  ************
  "*********"
  Enrolled in the program but not "enrolled in the benefit"? Can not understand the agent and she can not understand me. Enrolling me in the "credit protection benefit" but then transferred me without explanation.
  
  TRANSFERRED TO ACCOUNT SERVICES
  "******"
  6:15 AM
  Says I have to speak to the Credit *******************************mce-bogus="1">
  TRANSFER ME BACK TO FORTIVA CREDIT PROTECTION
  "Alex"
  6:20 AM
  Credit Protection 6 mos:
  -Unemployment
  -Disability: Dr. ******************************* COVID receives benefits for 30 days.

  Call ended: 6:30 AM
  --
  Can not understand the agent! Do not know where to send the requested documents. I was on the phone for 36 minutes and I have to go to a doctor's ************ It still isn't clear to me the differences between credit protection vs. credit protection enrollment, COVID relief, how to apply for any of it, etc. My case is unique and I fall into ALL categories. I've sent emails AND requested to speak to a representative of Fortiva Credit *************** of ********" who is in the **** The transferring, mixed information, and extensive phone times are too much for me to manage. I fear this arduous process has now affected my credit! Today's end result is credit protection is NOT activated.
  

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

  

  Business Response

  Date: 10/10/2022

  BBB CASE#: 17796757
  Dear ****************:
  We are in receipt of your additional correspondence to the Better Business Bureau regarding your Fortiva Credit account
  In your correspondence dated October 4, 2022, you indicated that you did not know where to send the necessary documents in order to activate your Credit Protection benefit.
  Our records reflect a customer representative sent you the credit protection form for hospitalization on October 5, 2022, via email. In the email you are advised to sign and return to the email address provided so that your benefit can be activated.
  Although we havent received the completed form, as a courtesy we have activated your benefit and you will receive an email confirmation. We would however appreciate if you return the completed form at your earliest convenience for our file.
  Thank you for the opportunity to respond.
  
  Sincerely,
  ***********************
  On behalf of Fortiva ***************************** of ******** is the creditor of the Fortiva Credit Card account
  
  

• Initial Complaint

  Date:08/28/2022

  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 purchased a product through Saboim on 8/4/22 in the amount of $34.92. I sent an email to the company on 8/26/22 to inform them that the item still had not shipped and I would like to request the order to be cancelled and the money refunded in full. I have not yet received any communication from Saboim, and sent another email 8/28/22. I have also reached out to my credit card company, who is refusing to assist me in disputing the transaction. At this point, I would like to have the BBB handle this to assist in getting my money back, as I have no intention of continuing to make payments on the account until this has been resolved. I can provide any information required

  

  Business Response

  Date: 08/31/2022

  BBB Case #: 17787576
  
  Dear *************************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Aspire Credit Card account. Thank you for the opportunity to respond.
  
  According to your correspondence, you are disputing a purchase from Saboim on August 4, 2022, in the amount of $34.92. Our records do not indicate a purchase from that merchant, and no payment was made to your account in the amount of $34.92. However, on August 4, 2022, a purchase was made from RH *GIUWR.com for $32.94. 
  
  To settle your dispute, we have issued a credit to your account of $32.94.  The credit will reflect on your next billing statement.  Thank you for being a loyal Aspire Credit Card customer.
  
  Sincerely,
  
  **************
  On behalf of Aspire ***************************** of Missouri is the creditor of the Aspire Credit Card account.
  
  

  Customer Answer

  Date: 09/01/2022

   
  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:08/27/2022

  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 account is showing on my credit report. I have never opened this account. I have called, written, filed a complaint with the *** and CFPB, to no avail. This company refuses to investigate this and send me information on when the account was opened, how it was opened, and a copy of the signature so that it can be compared to mine.I am trying to refinance my home, but this account is showing. I have never been late on any of my bills. I am a 71 year old man and I don't understand why these laws in place do not work the way that they should.TBOM/FORTIVA Account#: ****************Please remove this account from my credit report. I have filed theft complaints, and written everyone that I know to do. I am trying to resolve this before I go to the media.

  

  Business Response

  Date: 09/26/2022

  BBB Case number: 17785371
  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 you opened your Fortiva Retail credit account on January 2, 2019, to finance a purchase at BrandsMart.
  In your correspondence you state that you do not own this account and that it was opened fraudulently.
  We are please to advise you that your claim has been sent to our fraud department for an investigation.
  Please be advised that your investigation will take no longer than 90 days.
  If the investigation is in your favor, we will adjust the account accordingly and remove the Fortiva Retail tradeline from your credit report.
  For more information regarding your claim, we advise you to contact our fraud department at **************.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  ***********************
  On behalf of Fortiva Retail ***************************** of ******** is the creditor of the Fortiva Retail Card account.
  

• Initial Complaint

  Date:08/26/2022

  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.

  On August 9th I had set up an arrangement to pay my account in full.And I gotta admit I was behind but my intention was to pay my account off.I had payment protection with this card but I did not authorize them to use that service.When I fell behind so now my account is paid off but they say I cant use the card until.The next billing cycle thats when the payment protection service expires.I had said I didnt need that anyway because it was an arrangement that I had set up to pay that off.

  

  Business Response

  Date: 09/23/2022

  BBB Case #: 17782781
  Dear ************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account.
  Our records show that on July 20, 2022, you called customer service and requested that the ******** program be applied to your account. Due to an error, the Credit Protection Program was applied to your account instead,and the minimum monthly payment of $69.27 was applied to your account on August 4, 2022. We understand that it was not your intention to activate the Credit Protection Program and on August 16, 2022 the program was deactivated as per your request.
  Thank you for the opportunity to respond.
  
  Sincerely,
  ***************************
  On behalf of Fortiva Credit *********************** of Missouri is the creditor of the Fortiva Credit Card account.

• Initial Complaint

  Date:08/26/2022

  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 applied for the benefits of the Servicemembers Civil Relief Act and was told to send a copy of my orders. I sent them and was denied due to opening the account after coming on active duty. I then called and informed them of the key provision in ********* Law that states it is retroactive in the ****************** and sent a copy of the provision. Denied again. When I called to speak to a supervisor, I was told that I would have to wait 48 hours to receive a call. This company does not follow the law, and are predatory lenders.

  

  Business Response

  Date: 09/23/2022

  BBB CASE#: 17780908
  
  Dear ******************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Aspire Credit Card account inquiring about benefits under the Servicemember Civil Relief Act (SMCRA). Thank you for the opportunity to respond.
  On August 23, 2022,we received your Servicemember Civil Relief Act (SMCRA) email to the ******************************** email address. Please be advised that a letter was sent to you denying your request to reduce the APR to 6% because your account was opened on October 1, 2021, and you were enlisted before that account was opened so you did not qualify for SMCRA benefits.
  
  Please note that on August 30, 2022, even though you did not qualify for the ****** as a courtesy, a ******** Service Supervisor, enrolled your account for SMCRA benefits for the next twenty-four (24) months. That same day a letter was mailed to you advising you of your enrollment. Your outstanding account balance is $794.20. On September 15, 2022, your account billed with a minimum monthly payment in the amount of $24.00 due on or before October 12, 2022.
  Thank you for your military service.
  
  Sincerely,
  
  ***********************
  On behalf of Aspire ***************************** of Missouri is the creditor of the Aspire Credit Card account.

• Initial Complaint

  Date:08/25/2022

  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.

  Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

  

  Business Response

  Date: 09/09/2022

  BBB Case #: 17767397
  
  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.
  
  According to our records, the last payment made to your account was received on September 28, 2019, in the amount of $15.00.  No further payments were made to your account.
  On February 6, 2020, your account was charged off in the amount of $490.70. On March 16, 2020, your account was transferred and sold to ************************* (Velocity). Additionally, a review of our records reflect that the ownership transfer and related information was accurately reported to the credit bureaus at the time of sale.

  In response to your dispute, however, we will report this account to the credit bureaus as disputed.

  Please contact Velocity directly at ************ regarding other servicing matters related to this account.

  Sincerely,
  **************
  On behalf of Fortiva ***************************** of Missouri is the creditor of the Fortiva Credit Card account.