Consumer complaint received 2022-03-11
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX my certified return receipt was stamped for the address XXXX XXXX XXXX XXXX, MO, XXXX that my documents ( XXXX, written instructions, POA, optional form XXXX, form XXXX and an endorsed remittance coupon ) were sent " attention to '' the CEO XXXX XXXX and XXXX XXXX XXXX. The documents were sent to this address because researching directly for Aspire CEO/CFO or legal department I came back with nothing. However on their website it states that the Aspire Credit Card is issued by The XXXX XXXX XXXX, XXXX XXXX, MO so I sent the documents to the head of that company and trademark. They received my documents and never applied the credits to my account as instructed. On XX/XX/XXXX I sent another correspondence certified mail, and this time i sent it to the address on my bill however as I check my tracking number they are returning my payment back to sender. Not only have my account not been credited accurately I am disputing that Aspire closed my credit card account after I spoke with someone an told them I had already sent a payment. For the simple fact that Aspire has not honored my written instructions, I am now publicly making it known of the billing error and lack of General disclosures from this company. As this is a formal instruction in accordance with 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 U.S.C. 44 to resolve this billing error, the documentary evidence, which includes books of account in accordance with 15 U.S.C. 44, must be provided to clarify this amount. The creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S.Code 1666 ( e ). I, the affiant, hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13d ( 1 ). Fact, I, the affiant am aware, ASPIRE, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. Fact, I, the affiant am aware, that, in accordance with 16 C.F.R. 433.3 ASPIRE is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the affiant, may invoke her rights as the debtor in this consumer credit contract against ASPIRE for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief