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.
- 329 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:07/23/2022
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.
Opened credit card- 4/29/2022 First payment due- 05/27/2022 Payment sent from my bank (PNC to Fortiva ************************************)- 5/25/2022 Payment cashed- 6/1/2022 amount of $325.00 As seen in photos of my check, the credited account number reads: ****************** My account number- ******************* I have reached out by phone trying to resolve this, as well as by email numerous times and have been unsuccessful each time. I reached out to my personal bank for confirmation of payment, which is showed in the attached photos.I ALSO reached out to Experian and I explained to them the problem and that they would be reporting it to them. I have a claim open for when it is reported.
Business Response
Date: 08/22/2022
BBB Case number: 17615768
Dear **************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit Card.
We regret any difficulty you experienced with the processing of your recent payments.
This will confirm that we have received (3) three payments in the amount of $325.00 each. The dates of these payments July 21, 2022,August 19, 2022, and June 25, 2022. Your account is current, and no payment is currently due.
We have requested the credit bureaus to remove any past due history from your credit report. In addition, we have waived the two late payment fees which will reflect on your next billing statement.
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.Customer Answer
Date: 08/23/2022
I appreciate the response and for waiving the 2 late fees, but what I am most concerned about is the check that was sent from my bank on May 25, 2022 in the amount of $325.00 that is not reflected on my account.
I understand that the address isn't the receiving department, but it was sent to a P.O. Box in relation to Fortiva.
I am under the assumption that someone in that department who's P.O Box it is assigned to has cashed the check and accredited it to the wrong account.
My assumption is from the stamp on the back of the cashed check which does not show my account number being accredited.
Attached are the photos of my check front and back.
I hope to resolve this soon!
Business Response
Date: 08/29/2022
BBB CASE#: 17615768
Dear **************:
We are in receipt of your additional correspondence to the Better Business Bureau regarding your Fortiva Retail Credit Card account.
After a review of your account, we determine check in question was applied in error to the wrong account on June 1, 2022. This will confirm that the error has been corrected and the payment has been applied to your account.
We apologized for the payment processing error and have issued a $25.00 customer satisfaction credit to your account. This will be reflected in your next billing statement.
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.Customer Answer
Date: 08/30/2022
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:07/22/2022
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 seen on my bank statement that fortiva credit card took a payment out of my checking for ***** without my permission not to mention i just made my monthly payment for the month. I contacted them and they said I would have to dispute through my bank. So I did. I was charged an overdraft fee to my checking acct as well for them fraudulently processing a payment I did not authorize. My bank did investigation and found it was fraudulent so they credited my account the 79 plus the overdraft fee. I went on today and noticed my credit limit is 500 current balance is 246 but my available credit limit is 0. I chatted and called to be told my acct was closed due to being over the credit limit which its not and for past due payments which is false and my credit report history proves this. At the beginning of opening the acct I requested several times to have my payment due date changed and since it has been I am asked to pay by the 28th hints why I was going on to make a payment today. When talking to a representative there is no clear reason or validation for closing my card. I need help as this is negatively effecting my credit now. The card should have never been closed. I am requesting this company to make it right!!Business Response
Date: 08/18/2022
BBB Case number: 17610561
Dear **************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit Card. We regret your recent customer service experience was less than satisfactory.
Per your request, your account has been reopened. In addition, the payment in the amount of $79.00 was credited back to your debit card on July 14, 2022 and a late fee in the amount of $40.00 has been waived as a courtesy. A request has also been submitted to the credit bureaus to remove any negative reporting from your credit report.
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:07/21/2022
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.
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Please correct/update this inaccurate information on my credit report.Business Response
Date: 07/29/2022
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.
Our records show that your account is reporting accurately to the credit bureaus as follows:
On December 1, 2020, you opened an account with Aspire Credit Card with a credit limit of $350.00.
On March 21, 2022, your account billed with a balance of $261.61 and a minimum payment of $138.46 due by April 18, 2022. No payment was made during this time and your account was reported as late to the credit bureaus. However, was a courtesy we have sent a request to the credit bureaus to show your account as never past due.
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:07/20/2022
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.
Date: November, 2021 $207.97 I ordered curtains from Bobs Discount Furniture online with Fortiva. I went in physically to the store to cancel the order. They said they canceled it, but they showed up on my doorstep. I took them physically back to store. They said they couldnt take them, I had to ship them back to their store in **************. I did so, but, even after numerous phone calls to explain, and assurances they had taken care of it, I continue to get harassing bills, with Fortiva continuing to add charges. Please help get them off my back, because they are not listening. I want the total charges erased, as I did not buy anything from Bobs Discount Furniture Store.Business Response
Date: 08/18/2022
BBB Case number: 17596757
Dear ********************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit Card.
Per your request, this will confirm that all charges and fees have been waived and your account is closed with a zero balance. Additionally, we have requested the credit bureaus to remove the Fortiva Retail tradeline from your credit report.
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.Customer Answer
Date: 08/18/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*************************Initial Complaint
Date:07/20/2022
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 purchased a Queen **** mattress set with headboard around January 7th or 8th of 2022 from ************************************************************************************************************************** using the Fortiva Credit Card for $1,000.00 store credit. 4 months later On May 6, 2022 the whole bed fell apart. January 3, 2022 I had to put down a $286.17 payment towards the Mattress Set at The ****************************** at ***************************************************, because it ran over the $1,000.00 credit line that ******* gives towards that credit card. (Receipt from **** of America for $286.17 attached). On February 11, 2022 I made a $60.00 payment to Fortiva (Receipt from **** of America attached). On March 7, 2022 $15.86 payment was made to ***'s Discount Furniture (Receipt from **** of America attached). On April 11, 2022 $200.00 payment was made the to Fortiva (Receipt from **** of America Attached) and On May 9, 2022 $761.96 I paid the account off, Total payments is $1,323.99. ***'s Discount ******************* have only refunded back: 6/14 Check for $399.79, Refund on 6/9 for $250.98, Refund on 6/25 for $15.00, Refund on 6/25 for $75.73, Refund for $80.45 = TOTAL $821.95. $1,323.99 -821.95 = $502.04 Due to me I spoke with a representative from **** Discount Furniture name ******* on 6/21 whom said I paid $1,286.17. There is still money due me. $1,286.17 - $821.95 = $464.22 Due to me There is still money due to me. Please have someone investigate this. Thank You ***********************Business Response
Date: 08/18/2022
BBB CASE#: 17594457
Dear **************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
Our records indicate that on May 7, 2021, you opened an account with a $1,000 credit limit to finance a purchase with Bobs Discount Furniture in the amount of $1,000.00. Your account is currently closed with a zero ($0) balance. This will confirm that upon receipt of your correspondence, a billing error dispute 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,including responding to your request for an additional refund. 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:07/19/2022
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 opened a Fortiva account in May 2022 while shopping at Badcock Furniture. I purchased a $4,264 worth of merchandise. I then got my first **** which was an extremely higher payment than what I was originally told. I then called Fortiva and asked if I made a large payment of $3,000 towards the balance if my monthly payments would go down. I was told they would as well as received a text stating the same. When I received my next **** that was due in July my payment was still the same even though I had paid the $3,000 in June. When I called them about it and discussed the information previously received they basically said oh well, thats your regular payment schedule no matter if you pay ahead or not I believe I was mislead and deceived. With this complaint I have added screen shots of the text message as well as a screen shot of my current ****Business Response
Date: 08/03/2022
BBB CASE#: 17587362
Dear ******************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
Our records indicate that on May 22, 2022, you opened a Fortiva Retail Credit account to finance a purchase with Badcock Home Furniture in the amount of $3,144.76.
As explained in your Cardholder Agreement your minimum monthly payment is calculated as follows:
The minimum payment due each month will be an amount equal to ****% of your highest outstanding new balance since your account is opened or since your new balance was zero plus the greater of (A) any past due amount or (B) any amount by which your new balance exceeds your credit limit. If your new balance is less than your minimum payment, you new balance is due in full. You may at any time make additional payments without penalty.
The initial purchase made to your account was in the amount of $3,144.76 plus the annual fee of $99.00 resulted in a balance of $3,243.76. Your minimum monthly payment is ****% of your initial balance of $3,243.76. so, your minimum monthly payment was calculated as $191.70 which was rounded up to $192.00. We understand that on May 28, 2022, you spoke with a customer service representative and reached agreement to make a payment in the amount of $2,000.00 in order to lower the amount of your minimum monthly payments. On June 3, 2022, you made a payment in the amount of $2,000.00 however because you made your payment online your minimum monthly payment was not automatically adjusted.
On August 3, 2022, we adjusted your minimum monthly payments to $73.00 as per your request. This change which will be reflected in your next billing statement.
Thank you for being a valued Fortiva Retail customer.
Sincerely,
***************************
On behalf of Fortiva ******************************* of Missouri is the creditor of the Fortiva Retail Credit account.Customer Answer
Date: 08/03/2022
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,
***********************************Customer Answer
Date: 08/29/2022
I filed a complaint July 19, 2022 under complaint ID ******** Which the company agreed to adjust my billing to $73.00 per month which I had deemed acceptable. I reviewed my new billing today for my September bill and it is still showing the amount due of $192. I have attached screenshots of the BBB response from the company on August 3rd showing the adjustment would be made as well as a screenshot of my current amount due on September 24th. I should NOT have to file a complaint every month for this business to adhere to their agreement and am asking that this be resolved immediately.Business Response
Date: 09/02/2022
BBB CASE#: 17587362
Dear ******************:
We are in receipt of your correspondence to the Better Business Bureau regarding your Fortiva Retail Credit account.
Our records indicate that on May 22, 2022, you opened a Fortiva Retail Credit account to finance a purchase with Badcock Home Furniture in the amount of $3,144.76.
On May 28, 2022, you spoke with a customer service representative and reached agreement to make a payment in the amount of $2,000.00 in order to lower the amount of your minimum monthly payments. On June 3, 2022, you made a payment in the amount of $2,000.00.
On July 29, 2022, we adjusted your minimum monthly payments to $73.00 as per your request. Due to an error, this change was not applied to your monthly payment for August. We apologize for any inconvenience this may have caused. On August 31, 2022, we adjusted your minimum monthly balance to $73.00. In addition, we have issued a courtesy credit to your account in the total amount of $68.79.
Thank you for being a valued Fortiva Retail customer.
Sincerely,
***************************
On behalf of Fortiva ******************************* of Missouri is the creditor of the Fortiva Retail Credit account.Customer Answer
Date: 09/06/2022
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:07/18/2022
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.
Aspire credit card was notified that my card was lost or stolen. I caleld to get another card replacement. The woman on the phone(obviously from another country) asked me if I wanted the same credit card number? I've never been asked if I want to keep the same credit card numer when I report a card lost/stolen. Then I told her I want the card expedited for the fee. She entered the request for standard delivery and refused to enter my request. When I calleed back the next day to get the tracking number, that's when I was informed that she sent it standard. I asked to speak to a manager. They told me they would have someone call back in a few days. They refuse to escalate the issues the customers have. The other representative on the line told me they could not change the delivery request, although it was done delierately wrong by their agent. This company is completely unprofessional, rude, and clearly avoids takingcare of the customer's needs!Business Response
Date: 08/15/2022
BBB CASE#: 17574135
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.
Your correspondence stated that you requested to have your new Aspire Credit Card delivery expedited.
Our records indicate that on July 3, 2022, you reported your Aspire Credit Card as lost or stolen via the Aspire *************** Please note that at the time that the Aspire Credit Card was reported as lost or stolen via the Aspire ************** the replacement card was requested via regular mail.
On July 5, 2022, you spoke with the *************************** and inquired about the replacement card because you had not received your tracking number. The customer service representative advised you that there was no tracking number since the replacement card was ordered via regular mail. On July 13, 2022, your replacement Aspire Credit Card was activated and has since been used to make purchases.
We apologize if your recent customer service experience was less than satisfactory. We understand through your correspondence to the Better Business Bureau that your intentions were to expedite your new card via the Aspire *************** As a courtesy, we have waived a previously assessed late fee in the amount of $41.00. Your outstanding account balance is $943.12. On July 21,2022, your account billed with a minimum payment in the amount of $59.19 due on August 18, 2022.
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.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.