We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Credit Card Processing Services

Atlanticus

Headquarters

BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for Atlanticus's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Atlanticus has 18 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 958 total complaints in the last 3 years.
    • 347 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/13/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 took out a line of credit to purchase some furniture. I was told that I would not pay interest if paid off by 12 months. I was told my payments would be a certain amount and that if I made those payments it would be paid off in time. I called the company and they told me the same thing. The representative told me my last payment was ***** and that would be the end of my payments. When I got my last statement it said I owed over ****** in interest and that I went past the 12 month deadline. I am on a fixed income and thought I was paying it before the 12 month period according to the representation I spoke to. Is there a way for me to not have to pay the interest?

      Business Response

      Date: 04/17/2025

      Please see the attached response.

    • Initial Complaint

      Date:04/12/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      The problem is I was hustled

      Business Response

      Date: 04/16/2025

      Please see the attached response. 

    • Initial Complaint

      Date:04/08/2025

      Type:Billing Issues
      Status:
      Answered
      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 am writing to inform you that a fraudulent account has been opened in my name with TBOM/Fortiva. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent ******************************** Name: TBOM/Fortiva Opened Date: 5/6/2019 Account Number: ****************High **********************: $2,055.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

      Business Response

      Date: 04/10/2025

      Please see the attached response. 

    • Initial Complaint

      Date:04/07/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 never activated my credit card after it was recieved and seeing what they were gonna charge me me in additional fees each year and to use. I destroyed the catd ad now they are seeking money when it was never activate d or used. They tried to tell me it was for applying and I have never heard of that in my life and it is BS.

      Business Response

      Date: 04/10/2025

      Please see the attached response.

    • Initial Complaint

      Date:04/04/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      Dear BBB,I am writing to formally lodge a complaint against Fortiva, the credit provider associated with ***************, regarding misleading information about my credit agreement and unexpected billing increases.Background:In March 2024, I was approved for a $2,000 credit line with ******* to purchase a couch set for $1,390.92. The sales representative assured me that the financing included no interest for a full year. However, at no point did the representative clarify that the agreement also included accrued interest and an annual interest rate that would apply thereafter.Current Situation:Despite my efforts to pay more than the minimum payment, I have recently received a statement indicating that my balance has increased from $800 in February 2025 to $1,080 in March 2025. This is a significant and confusing increase, especially given my understanding of the terms of the credit agreement.Concerns:1. **Misleading Information:** I believe I was not adequately informed about the full terms of the financing, particularly regarding accrued interest and annual interest rates.2. **Unexpected Charges:** The increase in my balance despite consistent payments raises concerns about the clarity and transparency of Fortivas billing practices.I request that the BBB investigate this matter and help facilitate a resolution. I believe it is important for consumers to be fully informed about their credit agreements to avoid similar situations in the future.Thank you for your attention to this matter.

      Business Response

      Date: 04/10/2025

      Please see the attached response.

    • Initial Complaint

      Date:04/04/2025

      Type:Billing Issues
      Status:
      Resolved
      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 (Fortiva) Credit Card. I've been using my Aspire credit card since 2022. During that time I have never been late with any of my payments. On February 14th, 2025, I made a payment in the amount of $418.24 and on March 1st, 2025, I made another payment of $100.00 which was for my March payment. The company is saying that they haven't received my March payment but has credited my account for the $100.00. I spoke with a representative at the company on yesterday and was informed that because the payment was made too early, it's still considered as if I'm late making a payment. He did say that they would not charge the $30 late fee. They are still expecting two payments totaling $202.00 this month. My concern is that my payment for March was not late and I should not be penalized nor should they expect duplicate payment for something that they've already received. I do expect them to acknowledge and accept the payment as paid without being late. Any assistance in this matter will be appreciated. I feel that I only owe a payment for the month of April. Dispute resolution @ **************************************

      Business Response

      Date: 04/09/2025

      Please see the attached response. 

      Customer Answer

      Date: 04/09/2025

       
      Complaint: 23160580

      I am rejecting this response because: The matter of the late fee was already settled. How was I to know when there was a cutoff date for payments. I make payments according to when I receive money. My reasoning for making a payment the beginning of the month of March was for March's payment, not an additional payment for February.  If they are unwilling to accept that $100.00 as March's payment, they can definitely close the account as I will not deal with unscrupulous companies. 

      Sincerely,

      **** ****

      Business Response

      Date: 04/12/2025

      Please see the attached response.

      Customer Answer

      Date: 04/12/2025

       
      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:04/03/2025

      Type:Customer Service Issues
      Status:
      Answered
      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.
      ******* charges an account maintenance fee each month. I have no problem with the fee. They tell me that it helps them give me benefits. I have asked multiple times for a breakdown or line item receipt that shows what benefits I am paying for. They have consistently been rude or dismissive of my requests. Can you help me get a breakdown of how my maintenance fee is spent each month?

      Business Response

      Date: 04/16/2025

      Please see the attached response. 

    • Initial Complaint

      Date:04/01/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 a completely inoperable online portal and it has been this way for months. It is impossible to escalate these concerns within their existing client services infrastructure. Their website is irrevocably brokenwhen attempting to login, it either boot loops or stays in a perpetual loading state. This has been attempted on a variety of mobile devices, windows and apple devices, various browsers (chrome, safari, firefox) to absolutely no avail. They have made it impossible to service your own account and view things in LIVE time without needing to call their hotline for updates. When trying to escalate this concern with a client service **** there is always a run around with no end in sight, no due process and no escalation protocols. They are operating with willful ignorance.

      Business Response

      Date: 04/04/2025

      Please see the attached response. 

    • Initial Complaint

      Date:03/31/2025

      Type:Billing Issues
      Status:
      Answered
      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 call last mo. and reported my card stolen to fortiva and I made a payment ***** found out today that they reported the as be late tand the card should have only to charges on it and that was 65 and 75.00$ and found out that it's $989. When I called them lend of last mo about it and who ever took the report did not put in the system or what ever they do and they still report I was late all keep telling me this morning was they don't see the report but the guy I talked to but before her found that I called and he made a adjustment of 54. But that is not what has to been done it cover part of one of my charges and that it. Please help I don't know what to do

      Business Response

      Date: 04/10/2025

      Please see the attached response. 

    • Initial Complaint

      Date:03/28/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      03/28/2025 I called customer service and requested statements for November , December 2024 and January 2025. They refuse to mail them. Also they removed the account from the ********************** report and online. This makes it difficult to print when it is not there. I owe money and trying to add ir on the debt management program.

      Business Response

      Date: 03/30/2025

      Please see the attached response.

    Atlanticus is BBB Accredited.

    BBB accredited business seal

    This business has committed to upholding the BBB Standards for Trust.

    Why choose a BBB Accredited Business?

    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. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

    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.