Consumer complaint received 2023-05-18
Company: Atlanticus Services Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Complaint : Re Deceptive Business Operation FortivaXXXX I am startled at the high number of customers of this business with high number of complaints for the last few years. However, I am motivated by that to include mine after having dealt with t FortivaXXXX that work in conjunction confusing the customer into subscribing to XXXX the camera surveillance company. 
I have already filed a detailed complaint with the XXXX XXXX XXXX  in XXXX XXXX, Utah, Re XXXX deceptive operation with which I established business relationship in XXXX of XXXX. This complaint is solely focused on the deceptive operation of XXXX affiliated company ; Foriva. I do not recall, at the time, the sales person for XXXX to have mentioned Fortiva or acknowledge the credit card company as the financier of the service which I find disturbing and that with which company I have not been familiar. 
I moved out of my property in XXXX of XXXX, upon safety concerns, and therefore finding it unnecessary to have the house monitored. XXXX has refused to authorize formal and written cancellation of the service, while verbally and initially it was accepted, but refused again, and that full payment of the camera products financed by Fortiva has been the condition for the formal cancellation. However, Fortiva that will not pave the way towards a final determination and resolution, is a credit card company that according to the available publicly-made-available online sources/platforms, issues credit cards for consumers with bad credits, NOT recommended to obtain. I simply wonder if my credit profile was checked by Fortiva and what the score was. I did not want a credit card or the {$3000.00} credit placed on it. I would have declined business with XXXX, had I known the service is being financed by a credit card company and that one that maintains an unfavorable reputation. The reason for this concern remains to be the deceptive methods/manner by which the credit scores are manipulated or not checked at all!

Additionally, I was at the time unaware of Fotiva financing the camera service that I would have refused had I been informed of the involvement of a credit card company, here being Fortiva ; NOT RECOMMENDED TO SEEK, by consumer protection agencies, sources. I do not have credit cards and never want one, but it appears that XXXX and Fortiva pursue the consumers into subscribing to the deal, but does not disclose the source of financing until after the fact. In addition, the monthly installments for Fortiva, have been progressively increasing and doubled, and tripled to the present. For instance, I was charged a total of over {$110.00} for the month of XXXX, XXXX vs {$23.00} for XX/XX/XXXX. When I have inquired about the reason, I have been refused satisfying expedient answer. 
Although, XXXX seems to be in charge of every individual business costumers needs, it is Fortiva and its top owner-mangers that authorize cancellations, fees or price adjustments. Also, stonewalling is a routine pattern when it comes to the specific needs of one as the businesss client with need for cancellation upon even legitimate reasons. The financial and emotional abuse and exploitation during communicative periods and times by the company sales, and cancellation personnel is an ongoing process that hopes for the customer to give up and give in to the demands of the either company towards large sums of money.

Last but not least, I am one of the categories of the consumers that has strived to diligently and sincerely, improve their credit numbers/profile towards full enhancement, to be able to further build a great, deserving economy and consequently comfortable purchasing/financing power and life for ones family. However, companies like Fortiva come along and interfere and disrupt that hope and dream, with objective being the company wealth and prosperity without concern for the innocent customer. Nonetheless, this is a challenge that we will rightfully meet and fight against, and do what legally and properly fitting to overcome. 
As for the resolution, I seek the cancellation and refund from Fortiva, and adequate apology to have financed the operation and requirements of XXXX for business without obtaining my full knowledge and authorization. This is simply a fraudulent transaction that FortivaXXXX must take responsibility for and dealt with accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX Email : XXXX XXXX

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