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

• 

  Imagine Gold Mastercard

  PO Box 136 Newark, NJ 07101-0136

• 

  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:08/02/2022

  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 had ******************** settle my account with *******. According to the settlement agreement ******* was to accept the money that was sent to them and write off the remaining balance and show my account as zero. Fortiva is still showing a balance on my account and they are still trying to collect the remaining balance but the account was settled.

  

  Business Response

  Date: 08/29/2022

  BBB CASE#: 17662278
  
  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 26, 2021, your account was accepted into the ******************** program. On February 22, 2022,your account was charged-off in the total amount of $925.53. That same day, our Settlement team received an email from the ******************** debt settlement company on your behalf regarding a settlement plan. A ***** of ******** was already on file. Our Settlement team confirmed that your account qualifies for a settlement. On March 4, 2022, the Settlement team offered a settlement in the amount of $583.00 to be paid in one (1) lump sum. The offer was accepted by the ********************. representative. On March 5, 2022, the date of completion,March 31, 2022, was determined for the agreed-upon settlement completion date,and a Settlement in Full offer letter was sent to your ***** of ******** from the ******************** Program via email address: ********************************
  
  On March 24, 2022, we received a payment in the amount of $583.00, your agreed-upon settlement payment. Thank you for your payment. During this billing period, on March 28, 2022,the payment of $583.00 was reversed due to a return reason, refer to maker.Please note that refer to maker means, that we must contact the person that wrote the check to find out why the item was returned. If the maker does not know why the item was returned, the maker should contact their financial institution for the reason. The merchant cannot obtain the reason for return from the maker's bank, only the maker can get this information.
  
  On April 10, 2022, we received a payment in the amount of $583.00. Thank you for your payment.
  Please be advised that the payment in the amount of $583.00 was received after the agreed-upon settlement completion timeframe of March 31, 2022. However, as a courtesy, the payment has been accepted as payment in full.
  
  Thank you for being a valued Fortiva Retail Credit customer.
  
  
  
  Sincerely,
  
  ***********************
  On behalf of Fortiva Retail Credit *
  
  *The **** of Missouri is the creditor of the Fortiva Retail Credit account.

• Initial Complaint

  Date:08/02/2022

  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.

  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: 08/31/2022

  BBB Case #: 17659978
  Dear Ms. ************************************** 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, the last payment received on your account was on June 20, 2016, in the amount of $40.03. No further payments were made to your account.
  On January 30, 2017, your account was charged off in the amount of $2,417.51 and was subsequently sold to ******************** Purchasing, LLC.  The ownership transfer was accurately reported to the credit reporting agencies.
  However, due to your particular circumstances, we have requested the credit reporting agencies to delete the Fortiva tradeline from your credit profile.
  Please contact ******************** Purchasing, LLC directly at ************** regarding any servicing related inquiries including payment arrangements.
  Sincerely,
  **************
  On behalf of Fortiva ******************************* of Missouri is the creditor of the Fortiva Retail Credit account.

• Initial Complaint

  Date:08/02/2022

  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.

  15 U.S.C **** SECTION 602 A: states i have the right to privacy 15 U.S.C **** SECTION 604 A: it also states a consumer reporting agency cannot furnish a account without my written consent 15 U.S.C ******************************************************************************************* 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

  

  Business Response

  Date: 09/21/2022

  BBB CASE#:17657319
  
  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.
  
  Your correspondence expressly inquired about the reporting of your Fortiva Credit Card account to the credit bureaus.
  
  According to our records, you opened your account on August 28, 2020, and used to make numerous purchases. Further review of your payment history reflects that a minimum monthly payment was not received by the respective payment due date for two or more consecutive months.
  
  As a result, the account was accurately reported as past due to the credit reporting agencies.  Please understand that accurate information is not removed.
  
  On February 13, 2022, your account was written off as a bad debt (charged off) in the amount of $634.47 due to non-payment. On March 17, 2022, the account was transferred and sold to ******************** Purchasing, LLC (Galaxy). Notice of the sale had been provided to you previously.
  
  The ownership transfer was accurately reported to the credit reporting agencies at the time of sale, which was our last credit bureau update on this account.
  
  We are unable to assist you further since the ownership and the servicing have been transferred.For any additional servicing-related inquiries regarding this account, please contact Galaxy directly at **************.
  
  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:08/01/2022

  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.

  We have not used fortiva eqpt, in over a year ****** bought out their eqpt.we were told.we no longer live at that address. We called and told them we didnt need their eqpt any more because of Vivint new eqpt. They want me to pay $1000. If anyone owes them it is Vivint. Thanks for your support. ***************************

  

  Business Response

  Date: 08/30/2022

  BBB CASE#:17654025
  
  Dear ****************************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding a Fortiva Retail Credit account.
  
  Please note that we are unable to locate Fortiva Retail Credit account opened in your name with the information provided. If the account was possibly established by another family member or someone else in your home, please have them contact our ****************** directly at ************** so that we can further assist them.Alternatively, your family member can provide us with permission to discuss their account with you.
  
  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.

• Initial Complaint

  Date:08/01/2022

  Type:Customer Service 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.

  Someone fraudulently opened this credit card in my name. I have been calling their fraud department since March when I got a bill telling me I owe them money.

  

  Business Response

  Date: 08/25/2022

  BBB CASE#: 17647809
  
  Dear ******************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Aspire Credit Card account.
  
  Our records indicate that on March 8, 2022, an Aspire Credit Card account was opened with a credit limit of $1,000.00.
  
  Please note that upon receipt of your correspondence, we forwarded your concerns to our **************** for review. On August 18, 2022,our **************** completed a thorough investigation in this matter and concluded that this account was not opened in a fraudulent manner. That same day a fraud denial letter was mailed to you. We have included a copy of the fraud denial letter with this response for your convenience.
  
  In addition, your account was closed on July 22, 2022, due to nonpayment.  A review of your account reflects that it has been reported accurately to the credit reporting agencies.  Accurate information cannot be removed. Based on your correspondence, we have notified the credit reporting agencies of your dispute.
  
  Please contact our customer service at ************** regarding any additional servicing related inquiries you may have regarding this account.
  
  Thank you for the opportunity to respond.
  
  Sincerely,
  
  ***************************
  On behalf of Aspire ***************************** of Missouri is the creditor of the Aspire Credit Card account.

• Initial Complaint

  Date:08/01/2022

  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.

  Okay I called Aspire ******************* Tuesday to try and add my card to Apple wallet however they said they needed documentation, so I declined it cause its more of an inconvenience than whats its worth. So I went to try and use my Aspire card on Saturday and it was declined. Now mind you I have outstanding credit with Aspire never have been late or missed a payment and they froze my account and they want the same documentation to unlock the card that should of never been locked to begin with. They have absolutely horrible customer service. We are now being penalized for being a great customer. I dont think its very professional of them to freeze my account and have me find out the hard way when I go to try and use my card and its declined. They are not helpful at all. It would b nice to have my card unlocked without sending them documentation. Had I not called about the Apple wallet I would still be able to use my card. Like I said I have never missed a payment or even been late with them. I even pay extra every month. Please tell me there is something you can do for me??

  

  Business Response

  Date: 08/30/2022

  BBB Case number: 17647741
  Dear **************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Aspire Credit Card. Thank you for the opportunity to respond.
  Our records indicate that you opened your account on September 9, 2019.
  You state that you inquired about adding your Aspire card to your Apple Pay wallet. A **************** representative advised you that in order to do this that they will need certain documentation for security purposes to finish the action. In your correspondence you state that you declined to send in the needed documents due to the inconvenience it would put you in.
  Our records indicate that a security freeze was put on your account due to a security protocol due to the attempt to add the Aspire credit card to your Apple Pay Wallet. On July 25, 2022, you were advised that the security freeze could be taken off if a valid ID and utility bill was sent to us for verification.
  Please contact our customer support number at ************** if more assistance is needed to send in your documentation to remove the security freeze.
  As a courtesy of our good will we have waived the late payment fee in the amount of $30.00.
  Thank you for the opportunity to respond.
  
  Sincerely,
  ***********************
  On behalf of Aspire ***************************** of Missouri is the creditor of the Aspire Credit Card account.
  
  

• Initial Complaint

  Date:07/31/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  , On 07/27/2022 I received an email from Fortiva informing me that my credit card ending in **** had been closed due to inactivity. I contacted Fortiva on 07/28/2022 at 9:40 am and spoke with a supervisor, *** #*** and was informed that my account could not be reinstated, after I informed her that I had not been provided with a current valid credit card to use and after I was informed that the paying of maintenance fees are considered account activity, and I have been charged and paid the fees for approximately 12 months. however the account activity is not considered when closing an account which is inconsistent with stated company policy that payments are considered account activity. Being a customer in good standing with no outstanding balance and my last payment made on 07/25/2022, the cancelation of my credit card account was i feel made in bad faith and in direct opposition of stated company policy, Per Fortiva making payments is considered account activity yet my account was closed two days after making a payment. This action will have a negative harmful effect on my personal credit rating. I am requesting a reinstatement of my account and to be provided with a valid credit card to use , or a total refund of all maintenance fees that the company has charged and accepted as account activity.as of the date my account balance was paid in full as well as a removal of any negative harmful information from my credit report

  

  Business Response

  Date: 08/10/2022

  BBB Case number: 17649469
  Dear ****************
  We appreciate you for taking the time to share your feedback.
  Our customer support team contacted you on July 5, 2022, to address your inquiry.
  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: 08/11/2022

   
  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:07/30/2022

  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.

  On march 9, 2022 I called in I havent been able to access card cause of a fraud issue I tried to let them know I had sent drivers license and all they wanted over they kept not getting it. I was tired of all the excuses and time this card was taking also the monthly fee for something not using so I told them I wanted to cancel they said I have to pay the $13-$15 dollar fee off and then can cancel so I did that. Then switched to the other person to cancel they said was done I shredded card and moved on in life all the sudden three months later my credit score drops 54 points and its because of $37 dollars on this card owed for month service fees they have continued after canceling the card. I have called another six or eight times to them I cant pay cancel nothing. Just flipped around from one customer service to the next most the time finally on hold for over an hour and hang up. This is fraud and illegal what they are doing and should be help accountable. Even the lady on phone said she saw I paid off that day and doesnt see why this has gone on but she couldnt do anything in her position but transfered and left on hold again. They are criminal and Ruining my credit and I cant pay or do anything which I shouldnt have to since I canceled same day I paid the last stupid fees I didnt use This card. I want this company to change my credit back to paid on time and remove there c*** of non payment and move forward.

  

  Business Response

  Date: 08/09/2022

  BBB CASE#: 17647346
  
  Dear *******************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Aspire Credit Card account.
  We regret any confusion over the cancellation of your account. This letter confirms that we have closed the account with a zero balance and removed the past-due history from your credit report.
  Thank you for the opportunity to respond.
  
  Sincerely,
  *******************
  On behalf of Aspire ***************************** of Missouri is the creditor of the Aspire Credit Card.

• Initial Complaint

  Date:07/30/2022

  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.

  TBOM/ATLS/FORTIVA has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority in February 2022. This adverse action as defined under 12 CFR 1002.2(c)(1)(i), which has the same definition as 15 U.S. Code 1691(d)(6), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801(a) of the ********************* ****** Financial Protection Act, has been violated.I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a(2)(A)(i). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by TBOM/ATLS/FORTIVA before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or TBOM/ATLS/FORTIVA to furnish any late payments to my consumer report. It is my belief that due to TBOM/ATLS/FORTIVA business relationship with the consumer reporting agencies, (such as Equifax, Experian, Transunion), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

  

  Business Response

  Date: 08/09/2022

  BBB CASE#: 17647034
  
  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.
  A review of your account shows that the minimum payment was made by the payment due date for the months of January and February 2022. As a result, the past due payment was reported late in February.
  
  To resolve your credit reporting dispute, we have requested the credit reporting agencies to remove the past due history.
  
  Please understand that future minimum payments must be received by the payment due date.
  
  Thank you for being a value Fortiva Retail Credit customer.
  
  
  
  Sincerely,
  
  ***********************
  On behalf of Fortiva Retail Credit *
  
  *The **** of Missouri is the creditor of the Fortiva Retail Credit account.

• Initial Complaint

  Date:07/30/2022

  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.

  I have received an email on 7/27/2022 that my account has been closed due to inactivity. This is causing a negative impact on my credit score. The reason why my card was never used is because I never received the credit card. I complained for months about this issue and the company always stated that they mailed it. They also stated that they could not express ************. I called today and the representative stated that they are declining reinstated the card. Why is my credit being impacted negatively for a card was never provided to be able to use? I would never apply for a credit card I would never be able to receive and never be able to use for the account to be closed and negatively impact my credit that I am trying to repair.

  

  Business Response

  Date: 08/26/2022

  BBB CASE#: 17647014
  Dear ******************,
  We appreciate you for taking the time to share your feedback.
  We regret your dissatisfaction with the recent closure of your account based on account inactivity.
  Our customer support team recently contacted you on August 24, 2022, to address your inquiry. This will confirm that account adjustments discussed during the call have been applied.
  
  If we can be of further assistance regarding this issue, please call *********************** directly at ************.
  Thank you for the opportunity to respond.
  
  Sincerely,
  Customer Response Team
  On behalf of ********************** ***************************** of Missouri is the creditor of the Aspire Credit Card account.