Consumer complaint received 2018-10-19
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX ( Between XXXX ) I ordered a XXXX XXXX XXXX XXXX from XXXX costing {$2200.00} for the machine and an additional {$240.00} for In-Home set up of the treadmill. XXXX gave me a Discount of {$120.00} which they later Credited my Account because that supposed to be part of the Special. 
Initially, I thought my payments were to be deferred for One year and thereafter Interest would began to be charged to my account is what the representative that handled my call told me. Not to mention in the beginning dealing with XXXX Reps I had my share of receiving conflicting information from them. Poor Customer Service relations from them. The experience alone should have prompted me not to do business with them and send the equipment back. However, I kept it and believed all would be successful moving forward. To my dismay that has not happened I Never received a physical credit card from the Company XXXX that financed my XXXX XXXX XXXX  from XXXX. I only receive Billing Statements and can access my Account on-line. On XX/XX/XXXX, I called XXXX and spoke with XXXX and questioned her about my Interest Rate charges and she told me that the charges began six months after I purchased the machine. I told her that was unbeknownst to me in the beginning. 
I called XXXX Billing ( XX/XX/XXXX ) to get the correct amount for APR, I was told 26.90 %. XXXX shows on paper that Ive only Paid {$150.00} Year-To-Date in Interest Fees for XXXX. However, I have Paid {$360.00} in Interest Fees. I am unsure how much in Interest Fees I paid in XXXX because when I called to inquire about such data I was told by the Representative ( possibly XX/XX/XXXX ) that he could not access that information and he could only go so far back into XXXX which was XXXX out of that year. I have Never heard of a company not being able to furnish a consumer any of their data or documentation to support facts about their account I no longer have the original bills of XXXX for XXXX, XXXX, XXXX, XXXX XXXX. Thus far, I have Paid {$1100.00} in payments year-to-date XXXX. Paid {$980.00} for XXXX. 
XXXX practices of the on-line system the Pending Status, Balance After Payment or Payment Deductions are lacking tremendously. It never is consistent. Either, I can not see what should be posted or the Balance seemed to keep being elevated and never seeming to be lowered after all the money I have paid toward the machine. I only have missed a total of 3-4 on time payments. I pay more than the Minimum on several occasions because I thought I would see a Decrease. I called them on this in XX/XX/XXXX and told them I was utterly upset and I would seek to have someone look into this further for me because I had had it. A few days later I went on-line and was able to access the Balance to the Account. I feel XXXX Business practices have been Deceptive and Fictitious starting with XXXX the company that starts the initial set up for XXXX XXXX.

Company response to consumer: Closed with explanation