Complaints
This profile includes complaints for Atlanticus's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 939 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:08/20/2022
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 2 credit card account with the same company Premier and one of my accounts that has a zero balance I was late twice but haven't been able to use the card since May it shows that I have a zero available credit out of $300 so I can't use the card at all I was never sent any notice or anything
Business Response
Date: 09/18/2022
BBB CASE#: 17746281
Dear ****************:
We are in receipt of your correspondence to the Better Business Bureau. Thank you for the opportunity to respond.
Your correspondence expressed concerns regarding your available credit and your ability to use your Premier credit card. It appears that your complaint might be related to credit cards issued by ****************** that are unrelated to your Fortiva Credit Card issued by the **** of **************** records indicate that your Fortiva Credit Card account was opened on July 26,2022.
A review of your account shows that you have taken advantage of the Card Control feature offered on the website: www.myfortiva.com/my-account and locked and unlocked your account multiple times during the month of August. Please be advised that each time your account is locked at your request, you are unable to make any purchases.Our records show, however, that you have unlocked your account, so you are managing this feature according to your needs.
As of August 26,2022, your account status is unlocked, and your available credit is $500.00.Your outstanding balance is $0.00. On August 1, 2022, we received a payment in the amount of $99.00. Thank you for your payment.Currently, there is no payment due on your account. Your next billing statement was mailed to you on September 11, 2022. Please note that we only show one (1)account for you, this Fortiva Credit Card ending in ****.
Thank you for being a valued Fortiva Credit Card customer.
Sincerely,
**************
On behalf of Fortiva Credit Card*
*The **** of Missouri is the creditor of the Fortiva Credit Card account.Initial Complaint
Date:08/18/2022
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 made a payment to my Fortiva Credit Card, I always pay the full balance every 2 weeks to avoid any interested charge. This month I made my payment 7 days ago and they still have not credited the payment to my account. When I call them they have absolutely no answer for me and talk in incomplete incoherent sentences. One agent told me he will contact his problems department. The second I heard him say that my stomach dropped and I felt like I was scammed and lost my $230 payment forever. In addition to my missing for a week payment - their website and app has not been working all day. They told me it is my Wi-Fi and there is nothing they can do about it ... It is 100% not my Wi-Fi. My account is down and there is nothing I can do about it.Business Response
Date: 09/09/2022
BBB CASE#: 17734896
Dear *************************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account.
Your correspondence stated that a payment was made to your Fortiva Credit Card account. Please be advised we were unable to locate an account in your name using the information we have on your Better Business Bureau (BBB) correspondence.
If you have an account reference number or any other account information that will help us identify your Fortiva Credit Card account, please send it to us or call me directly at *************. Please note that we called the number listed on your BBB correspondence and the number was disconnected.
Thank you for the opportunity to respond.
Sincerely,
**************,
On behalf of Fortiva ***************************** of Missouri is the creditor of the Fortiva Credit Card account.Initial Complaint
Date:08/17/2022
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 just recieved a collection letter from fortiva for ****** This card was payed off and closed in August of 2021 fortiva customer service said the charge is for the yearly annual fee of *****. how do I own ****** when its been a year since the card was payed off and closed. I received no emails or statements from fortiva for a year. no other letters or phone calls saying I owe ***** for last years annual fee. now its ******.. the customer service guy Brain sayed the account was still open and credit card is active. how is that when I closed the account in august 2021. I can't log into my account and the forgot login info won't email me new pass word or user name and customer service couldn't help log in..Business Response
Date: 08/25/2022
BBB CASE#: 17731948
Dear ********************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account.
Our records indicate that on August 13, 2021, we received a payment in the amount of $686.81 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 open, on June 10, 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.
Please be advised that on August 19, 2022, your Fortiva Credit Card account was closed per your request and all fees waived. This will confirm that your account is closed with a $0.00 balance.
Additionally, this will confirm that your account has not been reported as past due to the credit reporting agencies.
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: 08/27/2022
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,
*****************************Initial Complaint
Date:08/16/2022
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.
My credit card account is closed. I have never been late but went over the limit and they closed the account. I am still paying on time, trying to pay the balance off and they charged me and an annual fee and an account maintenance fee. These fees need to be credited because the account is closed. I've been given several explanations on this such as the fees shouldn't have been charged, to the account is temporary closed and that's why the fees were charged to there's a balance on the account and that's why the fees were charged and onceI pay the balance, call back to get a refund on the prorated amount.. Nevertheless, the account is closed, I can't charge on it so the fees should not be charged. Mind you, they closed the account. I've never been late on a payment but went over the limit. I was never notified of the closing of the account via mail or phone. They need to credit both of those fees.Business Response
Date: 08/19/2022
BBB Case#: 17723074
Dear **************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account.
We regret your dissatisfaction with the terms of your account.
On January 25, 2022, your account was closed as it was overlimit and a letter indicating the same was sent to you. Please note that as provided in your Cardholder Agreement the annual fee and account maintenance fee are be billed until the outstanding balance is paid in full regardless of whether the account is open or closed.
However, as a courtesy, we have waived the annual fee assessed to your account in the total amount of $39.00. Additionally, if you are interested in having your account reopened please call me for assistance at: **********
Thank you for being a valued Fortiva Credit Card customer.
Sincerely,
***************************
On behalf of Fortiva ***************************** of Missouri is the creditor of the Fortiva Credit Card account.Customer Answer
Date: 08/20/2022
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:08/13/2022
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.
15 U.S.C **** Section 602A: states I have the right to privacy 15 U.S.C **** section 604 A section 2: Also states a consumer reporting agency cannot furnish a account without my written instruction.15 U.S.C 1692C: states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.Account #******Business Response
Date: 09/09/2022
BBB Case #: 17712292
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.
According to our records, you opened this account on May 17,2021, to finance a $1,217.78 purchase at Ashley ********* in ***********, *****.No payments were received.
On January 14, 2022, your account was charged off in the amount of $1,497.33. On February 18, 2022, the account was transferred and sold to ******************** Purchasing, LLC. 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 ******************** Purchasing, LLC directly at ************** regarding other servicing matters related to this account.
Sincerely,
**************
On behalf of Fortiva ******************************* of Missouri is the creditor of the Fortiva Retail Credit account.Initial Complaint
Date:08/11/2022
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 purchased a some furniture at American Freight in May 2022 with a total of $3996.38. I was informed by the store manager that there was no interest for 12 months through the financial company Fortiva. So he sent me links for sign up and got the furniture. Once I received the furniture and start logging in to my financial account online, Fortiva and it looks like there might be interest that wasn't promised or misinformed by the business in the beginning both American Freight and Fortiva. So I started contacting Fortiva customer service, trying to verified if my financial was interest free for 12 months or not; the Customer Reps doesn't seem to have enough knowledge to confirm about the interest. One rep was saying there's interest and the other was saying there is not and told me to pay the 1st payment and to see if the next statement show interest. I follow and pay $400 for the first month and the next statement show *****% of APR. I have been contacting American Freight and Fortiva for the last 2,3 months for the billing adjustment, American Freight credit back $****** as an apology. I've also paid $400 1st statement, $3195.58 2nd statement + $******; the total = ******* which is $170.84 extra. But for some reason ******* doesn't credit ****** back. I have called Fortiva Rep many times, plus a three way on call with ******* and American Freight manager but it seems *******'s Rep/employee doesn't have enough knowledge for the credit refund. American Freight have already do the refund twice but ******* keep saying, they don't know and tell us to "maybe after 24 hours it shows, then 7 days then 14 days. It looks like they don't know what they're doing and wants to scam their customer to keep paying interest even if they already paid everything. I'm requesting Fortiva to clear my account which is already been paid and return the extra back to my debit card.Business Response
Date: 08/26/2022
BBB CASE#:17704363
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 April 26, 2022, your Fortiva Retail Credit account was opened to finance a purchase at American Freight. Please be advised that this account did not include an interest-free promotional period of any kind.
Your American Freight purchase in the amount of $3,996.38 posted to your Fortiva Retail Credit account on May 3, 2022. In accordance with your Cardholder Agreement, an Annual Fee of $79.00 was assessed on May 5, 2022. This brought your balance to $4,075.38, as stated on your June 2nd billing statement.
On June 12, 2022, we received your $400.00 payment. On July 2, 2022, your account was assessed an interest charge of $91.84. This brought your new balance to $3,767.22, as stated on your July 2nd billing statement.
On July 27, 2022, we received your payment of $3,195.68. On August 2, 2022, your account was assessed an interest charge of $76.10. This brought your new balance to $647.64,as stated on your August 2nd billing statement.
On August 17, 2022,a credit of $571.54 posted to your account from American Freight. This credit reduced your indebtedness, thereby leaving an unpaid balance of $76.10 on your account. On August 23, 2022, we received your payment of $76.10, which paid your account in full and brought your balance to zero.
Your account has been closed per your request.
We understand from your correspondence that you believed the financing of your purchase would be interest-free. The total amount of interest charged on your account was $167.94.As a courtesy, we are waiving those interest charges. A credit refund in the amount of $167.94 will be mailed to you at the address on your account. Please allow 7 to 10 business days for the processing of this refund and another 7 to 10 business days for postal delivery.
Thank you for being a valued Fortiva customer.
Sincerely,
**************
On behalf of Fortiva ******************************* of Missouri is the creditor of the Fortiva Retail Credit account.Customer Answer
Date: 08/26/2022
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:08/10/2022
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.
On July 20th I sent a full balance payoff of $1482. With confirmation from my credit union that the check cleared on July 27th which was a day before the due date. 2 weeks later I received an alert that my credit score had decreased significantly. I then was contacted a # of times of my account being late. I then paid $182 to satisfy the past due balance. I would like not only you to contact the 3 major bureaus but also refund my $182 that I've over paid. Never will I do Business with Fortiva again.Business Response
Date: 09/09/2022
BBB Case number: 17701590
Dear **************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit Card. Thank you for the opportunity to respond.
Our records indicate that you opened your Fortiva Credit account on November 28, 2018.
You state that you sent a check in the amount of $1482.00 to pay your full balance on July 20, 2022.Unfortunitly, we never received this payment and accordingly your account was assessed a late payment fee in the amount of $39.00 on July 28, 2022.
The last successful payment we received was in the total amount of $98.00 on August 31, 2022.
You where advised on August 29, 2022, to send us a copy of the front and back of the check in question. Please be advised that we never received this documentation.
Please send in documentation from your financial institution or a copy of the check so we can help you further. As a courtesy we have waived two late payment fees in the total amount of $78.00.
Thank you for the opportunity to respond.
Sincerely,
***********************
On behalf of Fortiva Retail ***************************** of Missouri is the creditor of the Fortiva Retail Credit Card account.Initial Complaint
Date:08/10/2022
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 approved for a Fortiva credit card in November 2021. I placed an order for a NordicTrack exercise treadmill for approximately $900. I immediately canceled the transaction within five minutes because I changed my mind. I called ****** track and they canceled the order, however they still charged my card $107.17 for shipping a canceled order. I received a bill from Fortiva for $107.17 I paid the bill to avoid it being on my credit as a default. I then disputed the $107.17 with Fortiva and received notification that it was cleared in early months of 2022 and Fortiva listed the amount as a credit. I then closed the account with ******* and requested a refund of the $107.17CR on the account. Fortiva closed the account but never sent the refund. I also continued to get statements with $107.17CR. I have requested the refund via letter, email, their chat message service and telephone. Each time I was told that the check would be cut and sent within 4-6weeks. It has now been 3 months since the first contact about my refund and I have no check but continue to get statements for a closed account. I just want the credited amount back and be rid of this company.Business Response
Date: 09/09/2022
BBB CASE#: 17700979
Dear ******************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
Our records indicate that on November 26, 2021, you opened an account with Fortiva Retail Credit to finance a purchase with Icon Fitness in the amount of $107.17. on March 2, 2022,Icon Fitness issued a refund to your account in the total amount of $107.17.However, according to your correspondence, you have not yet received a refund check.
This will confirm that upon receipt of your correspondence, an investigation was opened by our ***************************** and documentation has been requested from the merchant.
Our investigation will be completed within two complete billing cycles but in no event later than 90 days from the date your correspondence. When this matter is resolved, we will notify you of the outcome and any impact the resolution may have. You may contact our dispute department directly at ************** for any further assistance.
Thank you for the opportunity to respond.
Sincerely,
***************************,
On behalf of Fortiva Retail Credit *
* ******** of Missouri is the creditor of the Fortiva Retail Credit account.Initial Complaint
Date:08/04/2022
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.
Fortiva credit card has been reporting my credit card balance to all 3 credit bureaus TWICE in one month for the last 2-3 months. I had tried calling customer service line to find a solution. They admit to it being a problem on their end. Promising me to fix everything i was relief but its still going on. My credit has dropped tremendously. I have 7 other credit cards and fortiva is the only one that is reporting my balancing twice in a month. Its reporting on the statement date and the end of the month. Ive been emailing them about the problem again but there has been no response from their end. Please help. I dont want to have to close this account due to something on their end.Business Response
Date: 08/10/2022
BBB Case number: 17668860
Dear ****************:
We are in receipt of your correspondence to the Better Business Bureau regarding the credit reporting of your Fortiva Credit Card account.
Please be advised that your account is set to automatically report to the credit bureaus on the 4th of every month.
Our records show that on June 23, 2022, we received a credit bureau dispute with the Dispute Code:
Disputes Current Balance and/or Amount Past Due. Verify Current Balance or Amount Past Due
Please understand that when a credit bureau dispute is received, we must submit a timely response. Accordingly, on June 30, 2022, we responded to the credit bureau dispute in addition to the regular monthly reporting of your account.
On July 4, 2022, we received a request from you to submit an update to your credit report. Please note that on July 7, 2022, your request was fulfilled by sending an additional update to the credit reporting agencies and on July 28, 2022, we sent an additional request to the credit bureaus to update your reporting as per your request. Your account has only been reported to the credit bureaus once per month unless requested otherwise.
Please note however that regrettably we are unable to assist you to the extent the credit bureau update affects your credit score as we are not affiliated with any of the credit reporting agencies.
Thank you for being a valued Fortiva Credit Card customer
Sincerely,
***************************
On behalf of Fortiva ***************************** of Missouri is the creditor of the Fortiva Credit Card account.Customer Answer
Date: 08/10/2022
Complaint: 17668860
I am rejecting this response because:
Sincerely,
*********************Initial Complaint
Date:08/03/2022
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.
On Aug 3rd, 2022 I called Fortiva Retail Services to get a 10 day payoff quote at the request of my loan officer at ********************* so I could include the entire **** in my loan. I had gotten behind because my bank accounts had been compromised twice and I was having trouble getting back on track. I was in the middle of getting information for a payoff amount when the customer rep said if I payed half of the $2204.65 amount with my debit card instead of having thr ************ send a cashiers check for full amount, that the other half,$1102.33 would be payed by Fortiva and I would owe nothing more. He was apparently not aware he was on speaker and when the loan officer heard that "deal", he started asking the guy from Fortiva ALOT of questions. My loan officer ********************** asked why would they even not want a cashiers check that was going out on this very day for the full amount. The rep did not want to talk to him. The rep kept telling me to pay today over and over so I disconnected the call. I will never again for any reason speak with someone from a foreign call center and NEVER EVER GIVE THEM MY DEBIT CARD INFO. This stunk of fraud. The number I called for Fortiva was ************ at 10:50 am. The loan officer is ********************* who heard the entire conversation is with ********************* in ********** **, phone number is ************. Needless to say that deal is off the table.Business Response
Date: 08/09/2022
BBB CASE#: 17666978
Dear *************************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
Our representative offered you the Match Pay program, which is offered in certain circumstances to motivate our cardholders to make payments. Your request for no further contact has been noted and your account appropriately documented.
Thank you for the opportunity to respond.
Sincerely,
*******************
On behalf of Fortiva ******************************* of Missouri is the creditor of the Fortiva Retail Credit account.Customer Answer
Date: 08/09/2022
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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