Who Is Atlanticus Services? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Atlanticus Services
- Address to send a debt validation letter
- Atlanticus Services Corporation 5 Concourse Pkwy, Suite 300 Atlanta, GA 30328
- Phone
- 1-770-828-2000
- Official website
- https://www.atlanticus.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Atlanticus Services Corporation is the Atlanta-based servicer and collections arm behind Fortiva-branded retail and general-purpose credit cards, along with other bank-partner lending programs. If Atlanticus or Fortiva is contacting you about a past-due card balance, request debt validation in writing before making a payment, and review your account statements for fees or charges you don’t recognize.
Has Atlanticus Services been the subject of regulatory action?
Yes. On May 16, 2024, Maryland’s Office of Financial Regulation announced a $275,000 settlement with The Bank of Missouri, Atlanticus Services Corporation, and Fortiva Financial, LLC over allegations that the companies provided retail credit and collection services to Maryland consumers without the required state licenses. The state’s investigation found the companies engaged in unlicensed and unregulated collection activity; as part of the settlement, Atlanticus and Fortiva agreed to stop collecting debt in their own names in Maryland and to stay out of the state’s credit-repair and debt-negotiation markets without proper licensing. If Atlanticus has reported a Fortiva account to your credit file that you dispute, see credit report dispute for how to challenge it.
Questions & Answers
Is Atlanticus Services a legitimate debt collector?
Atlanticus Services shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Atlanticus Services from calling me?
Under the FDCPA, you can send Atlanticus Services a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Atlanticus Services?
Send a written debt validation request to Atlanticus Services's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Atlanticus Services on my credit report?
If Atlanticus Services is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team