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 105341 Atlanta, GA 30348-5341

  
• 

  Atlanticus

  PO Box 23007 Columbus, GA 31902-3007

• 

  Atlanticus

  PO Box 928486 San Diego, CA 92192

• 

  Atlanticus

  PO Box 428 Simpsonville, SC 29681-0428

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:07/29/2022

  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 my payment that was due on June 22nd on time. The company is saying that I paid late. I had to pay it over the phone because they have a habit of locking you out of your account around the time your **** is due and then won't send you a code to unlock. I received an email notification the following day stating my payment was late and told the customer service rep that I already paid. She looked into it and told me they were going to waive my late fee. The next month comes along and my July 22nd payment is due. I go online to see what the minimum due is and it almost twice as much as what I usually pay for my minimum. I call customer service and ask why my minimum is so high and she said because I paid late last month. I explained to her they refunded the late fee, she checks and verifies. I asked what my payment would be if it wasn't late last month and she said $47 so that's what I paid. Now they are charging me another late fee again because they are stating that because I didn't pay the full amount. They are calling me now multiple times a day and sending emails, and other emails from the parent company in a different name, demanding I pay that extra fee now. But if they would've credited my statement like they said they were going to, I would've paid the correct amount. And somehow, to bring my account current I'm supposed to pay over $120. It seems like they have unfair business practices. I also have documentation how they continuously lock me out of my account and don't send a reset when payments are due. This has happened multiple times and is why I had to wait on hold to pay over the phone. In the meantime, they are earning interest off an inflated account balance.

  

  Business Response

  Date: 08/12/2022

  BBB CASE#: 17644696
  
  Dear ****************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding the billing of your Fortiva Credit Card account.Thank you for the opportunity to respond. 
  
  
  On May 25, 2022, your account billed with a balance in the amount of $484.21 and a minimum payment in the amount of $46.84 due on or before June 22, 2022. On June 23, 2022, you made a payment in the amount of $50.00.Because your payment posted after the due date, a late fee was assessed to your account in the total amount of $40.00. 
  Please note, as stated in your Cardholder Agreement, any online payments submitted after 4:00 pm CT (Central Time)/5:00 PM ET (Eastern Time) on your Payment Due Date are credited to your Account the next day,making your Account subject to a late fee.
  
  On June 26, 2022, you spoke with customer service and requested the late fee be waived as you had intended to make your payment before the due date. That same day the late fee was waived.
  
  Because your statement was issued on June 25, 2022, before the late fee was waived, the $40.00 was automatically added to your minimum payment we apologize for any inconvenience this may have caused.
  On June 25, 2022, your account billed with a balance in the amount of $529.73 and a minimum payment in the amount of $86.79 due on or before July 22, 2022. On July 22, 2022, you made a payment in the amount of $47.00.Because your payment was less than the minimum required payment listed on the statement, an additional late fee in the amount of $40.00 was assessed to your account.
  
  On August 1, 2022, your minimum monthly payment was corrected to $47.43 due on August 22, 2022, and on August 2, 2022, the late fee was waived in the amount of $40.00. In addition, we have waived interest and account maintenance fees in the amount of $34.40 as a courtesy. Please ensure that all future payments are made on or before the due date to avoid a late fee.
  
  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.

• Initial Complaint

  Date:07/29/2022

  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.

  Yesterday is when I just saw an email from Fortiva that my credit card had been closed due to no activity. I did not request to close this account and they have impacted my credit due to them closing an account that has never had a derogatory payment. The last purchase I made on this card was 4/13. It is July and I made a payment this month and the card now has a zero balance. How is that inactive? I have other accounts where I paid off balances and haven't used them since prior to April and they are still open. How can they get away with negatively impacting someone's credit due to no fault of the customer's? Upon seeing the email, I used the chat method of contact within the app, I was first given false information and then told the same thing, that the account had been closed and could not be reopened. After asking why, no one responded. I then called customer service and was told the same thing. Upon further questioning, **** said that he could reopen the account for a charge of $49. I did not agree to the charge as I have done nothing wrong to have my account closed. According to experian, inactivity is 6 to 12 months of not using a card. That's different than 3 months. I asked to have their policy of inactive card use closure sent to me and **** said that it could not be emailed to me, he then came back and said it could be emailed in 2 business days as he has to create the form. That sounds fraudulent to me. My account should not have been closed and I should not be charged to have it reopened.

  

  Business Response

  Date: 08/10/2022

  BBB CASE#: 17641626
  Dear **************,
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account.
  
  Our customer support team attempted to contact you on August 4, 2022, to address your inquiry. The customer support representative left you a message advising you to call us back if we could be of assistance to you. Per your request, this will confirm that we have adjusted your account as you requested.
  
  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 Fortiva Credit Card *
  
  *The **** of Missouri is the creditor of the Fortiva Credit Card account.

• Initial Complaint

  Date:07/28/2022

  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 paid off my balance on 7/6/22 and was advised my account was closed on 7/27 due to non activity I contacted cs who advised the same also advised all payments were received in time but also stated it could not be reopened with no explanation why

  

  Business Response

  Date: 08/05/2022

  BBB CASE#: 17636726
  Dear ******************,
  We appreciate you for taking the time to share your feedback.
  Our customer support team contacted you on August 4, 2022, to address your inquiry. 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 Fortiva Credit Card *
  
  *The **** of Missouri is the creditor of the Fortiva Credit Card account.

• Initial Complaint

  Date:07/27/2022

  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 credit card company cancel my credit cards with no warning in process of me closing on a home...I paid ontime or early always and was a great customer...I paid my maintenance fee each month to have a zero balance. This seems unfair and not right and wish to resolve this with a letter saying closure should not effect my credit score and that they should leave them active until I close on my home

  

  Business Response

  Date: 08/15/2022

  BBB CASE#: 17635178
  Dear *********************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Aspire Credit Card accounts. Thank you for the opportunity to respond.
  
  We regret any misunderstanding over the cancellation of your accounts. We trust your conversations with our customer support team has addressed your inquiry. If we can be of any further assistance in this regard, please call *********************** directly at ************.
  Thank you for being a valued Aspire Credit Card customer.
  
  Sincerely,
  *******************
  On behalf of Aspire ***************************** of Missouri is the creditor of the Aspire Credit Card account.

• Initial Complaint

  Date:07/27/2022

  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 been a customer of "fortiva" for over a year, I have never been late, My credit score is higher then it was when i first got the card.` I am current with a $288 Balance from a $1500 (original limit). Today i got an email styating that they lowered my limit by $800, to $700. without any explanation. So i called them wanting to know why. the only answer he gave me was internal policy and procedures. These companies seem to think they can play with people's credit and not give them a legitimate reason why they are being penalized. this is a terrible company. with even worse morals towards dealing with their customers

  

  Business Response

  Date: 08/15/2022

  BBB CASE#: 17634922
  Dear ***************************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card accounts. Thank you for the opportunity to respond.
  We regret any misunderstanding over adjustments to your credit limit. We trust your conversation with our customer support representative has addressed your inquiry. If we can be of further assistance, please call *********************** directly 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.

• Initial Complaint

  Date:07/26/2022

  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.

  I used Fortiva to purchase furniture. I purchased $674.60 worth of furniture on May 22nd. I paid off the entire balance on May 24th. Apparently, my monthly statement just so happened to the day I paid off my balance, two days after purchase. Therefore, I got charged a $59 annual fee on May 24th. I was not aware of this, and it has sense been two months and has accrued late charges, I just found out today over my own accord. Now this will be reported to the credit bureaus after I paid off an entire balance two days after purchase.My complaint is that I was never contacted, either by email or phone, about having outstanding charges and late payments, or fees due. It seems they are trying to trick people by instantly charging a $59 fee upon payoff and then not contacting people in any way, shape, or form to let them know. I didn't even receive account statement emails.

  

  Business Response

  Date: 07/29/2022

  BBB CASE#: 17627977
  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.
  In your correspondence, you requested an explanation of the charges billed to your account. Please be advised that the $59.00 annual fee assessed to your account on May 24, 2022 was made in accordance with your Cardholder Agreement. Your Cardholder Agreement states that the annual fee will **** every year so long as your account is open or carries an outstanding balance.
  Although our records show a payment of $674.60 on May 24,2022, the annual fee was not paid, thereby incurring a $30 late payment charge on July 18, 2022.
  Your correspondence also states that you were not contacted regarding outstanding charges on your account. Please note that your statement dated June 21, 2022 showed the $59.00 annual fee and a minimum payment due of $30.00. Additionally, payment reminders were conveyed via text to your telephone number of record on July 8 and July 19. On July 21, a letter was sent advising you of the past due amount.
  As we understand from your correspondence that you intended to pay your account in full on May 24, 2022, and on July 27, 2022, brought your account to a zero balance, we are extending you the courtesy of refunding the following charges:  $59.00 annual fee, $30.00 late payment charge, and $0.11 interest charge, for a total credit amount of $89.11. You will receive a refund check for $89.11 within seven to ten business days.
  We also have requested the credit bureaus to remove the past-due history from your credit report.
  Your account was closed as of July 28, 2022, per your request. You have no further obligation to Fortiva Retail Credit.
  
  Sincerely,
  *******************
  On behalf of Fortiva *************************** of Missouri is the creditor of the Fortiva Retail Credit account.

  Customer Answer

  Date: 07/29/2022

   
  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.
  Thank you Fortiva, I genuinely appreciate it. And thank you BBB for all you do.
  
  Sincerely,
  
  *******************************

  Customer Answer

  Date: 08/15/2022

  Please Reference Complaint ID: ******** It has been 10 business days since Fortiva had promised I'd receive a check to refund me for my charges. They were also supposed the write the credit bureaus. I would like to see if the business has taken any action, as I do not have a ton of trust with this business. Thank you, and I will update you if I do end up receiving any correspondence.

  Customer Answer

  Date: 08/15/2022

  Please Reference Complaint ID: ******** It has been 10 business days since Fortiva had promised I'd receive a check to refund me for my charges. They were also supposed the write the credit bureaus. I would like to see if the business has taken any action, as I do not have a ton of trust with this business. Thank you, and I will update you if I do end up receiving any correspondence.

  

  Business Response

  Date: 08/25/2022

  BBB CASE#: 17627977
  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.
  In your correspondence, you requested an explanation of the charges billed to your account. Please be advised that the $59.00 annual fee assessed to your account on May 24, 2022, was made in accordance with your Cardholder Agreement. Your Cardholder Agreement states that the annual fee will bill every year so long as your account is open or carries an outstanding balance.
  Although our records show a payment of $674.60 on May 24,2022, the annual fee was not paid, thereby incurring a $30 late payment charge on July 18, 2022.
  Your correspondence also states that you were not contacted regarding outstanding charges on your account. Please note that your statement dated June 21, 2022, showed the $59.00 annual fee and a minimum payment due of $30.00. Additionally, payment reminders were conveyed via text to your telephone number of record on July 8 and July 19. On July 21, a letter was sent advising you of the past due amount.
  As we understand from your correspondence that you intended to pay your account in full on May 24, 2022, and on July 27, 2022, brought your account to a zero balance, we are extending you the courtesy of refunding the following charges:  $59.00 annual fee, $30.00 late payment charge, and $0.11 interest charge, for a total credit amount of $89.11. You will receive a refund check for $89.11 within seven to ten business days.
  We also have requested the credit bureaus to remove the past-due history from your credit report.
  Your account was closed as of July 28, 2022, per your request. You have no further obligation to Fortiva Retail Credit.
  
  Sincerely,
  *******************
  On behalf of Fortiva *************************** of Missouri is the creditor of the Fortiva Retail Credit account.

  Customer Answer

  Date: 08/25/2022

   
  Complaint: 17627977
  
  I am rejecting this response because: this is the exact same message I received last time. Its been about a month since the check was supposed to be sent out, which I was told I would receive in seven to ten business days. Has the refund been sent?
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 08/31/2022

  BBB Case #: 17627977
  
  Dear *******************************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
  
  We apologize for the delay you experienced in receiving the $89.11 courtesy check.  According to our records, you cashed the check on August 26, 2022. 
  
  Thank you for your business as a Fortiva Retail Credit customer.
  
  Sincerely,
  
  *******************
  On behalf of Fortiva ******************************* of Missouri is the creditor of the Fortiva Retail Credit account.

• Initial Complaint

  Date:07/26/2022

  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.

  Good morning, I went to IDEAL IMAGE solely for a consultation for hair removal. I saw given an outrageous estimate that they wanted me to commit to for two years. The woman tried to push me to signing up for a loan. I qualified but I did not want the service because I knew it this point it was a scam. I never signed an agreement for a loan via email, electronically, or on paper. I kept getting email and mails bombarding me from both Ideal Image and Fortiva Retail Credit to use their services and pushing me to get a loan. I do not want these services from either of them. I want them both to stop sending me mail and emails. I do not approve of their services. I never did and never will. Please close any access they have to my credit and have them stop contacting me in any form. Thank you.

  

  Business Response

  Date: 08/22/2022

  BBB CASE#: 17627615

  Dear ************************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
  Per your request the Fortiva Retail Credit account that was opened on June 16 2022 to finance a purchase at Ideal Image has been closed with a zero balance.
  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:07/26/2022

  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.

  Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. Please ensure all information is accurate and update.

  

  Business Response

  Date: 08/03/2022

  BBB Case number: 17624778
  
  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 an account with Fortiva Retail Credit on November 27, 2019, to finance a purchase with ****** Furniture in the amount $896.53.
   Our records show that your account is reporting correctly to the credit bureaus as follows:
  Your account was reported as past due in January 2022 and February 2022 as you did not make your minimum monthly payment before the due date during those months. However, we would like to assist you.As a courtesy, we have sent a request to the credit bureaus to show your account as never past due. As on August 3, 2022, your account is open with a $0.00 balance.
  
  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:07/25/2022

  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.

  [BBB transcription; see file]The company has contact me that I have a bill with them. I have no bill with them. Didnt make a bill with the credit card or anything else.

  

  Business Response

  Date: 08/24/2022

  BBB Case number: 17621210
  Dear ***************:
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit Card.
  Our records indicate that the Fortiva Retail Credit account in question was opened on March 8, 2021, to finance a purchase at a retail merchant, Fluent Home. Sometimes customers dont recognize a retail card that has a name different from the merchant.  Please let us know if you remember this transaction by calling our dispute resolution department toll free at: ***************.
  Otherwise,our merchant dispute department will initiate a dispute investigation on your behalf and a dispute claim form will be sent to you pending our investigation. Please note that we have no record of any prior dispute regarding this account and have received regular monthly payments since the account was opened more than two years ago.
  Our investigation will be complete within 2 complete billing cycles but in no event later than 90 days from the date your correspondence was received. If during this time we need more information, we will contact you.
  
  When this matter is resolved, we will notify you of the investigation results and any impact the resolution may have.
  
  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:07/23/2022

  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.

  Account was closed without notice and never reported to me or credit services I have asked several times to reopen my account due to lack of communication

  

  Business Response

  Date: 07/29/2022

  BBB CASE #: 17615927
  
  Dear *********************:
  
  We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Credit Card account.
  
  Your correspondence states your account was closed without notice.
  
  Our records indicate that the Minimum Payment Amount was not paid on your account in April, May, or June of 2022. This delinquency was communicated on the billing statements, through phone calls, and via letters sent to you in May and June. As a result of the delinquency, your account was closed on June 21, 2022. Unfortunately, the stage of delinquency prevents this account from being reopened.
  
  Because you did pay the past due balance on June 24, however,we will honor your request regarding your credit report. As a courtesy, we have submitted a request to remove the past due history on this account from the credit reporting agencies.
  
  Thank you for your payment and the opportunity to respond.
  
  Sincerely,
  *******************
  On behalf of Fortiva ***************************** of Missouri is the creditor of the Fortiva Credit Card account.