Consumer complaint received 2021-11-01
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened a service with XXXX security company ( for home security ) in XX/XX/2021. At that time, the XXXX company offered a loan {$700.00} for two purchased video cameras ( for my home monitoring ). Later, I received a retailer credit card from Fortiva ( It seems this Fortiva credit card is partnered with the XXXX company ) with the balance {$700.00}. Please also refer to an attached XX/XX/2021 statement of my Fortiva credit card and it shows on XX/XX/2021, the transaction {$700.00} was posted to my credit card. After XX/XX/2021, I did not purchase any cameras, equipments, or items from the XXXX company. 

On XX/XX/2021, I online paid the full amount {$700.00} to my Fortiva credit card, and make the balance to XXXX. Please refer to the attached XX/XX/2021 statement of the Fortiva credit card. 

On XX/XX/2021, I received an email from Fortiva to say that there was a transaction charge from XXXX with the amount {$700.00} on my Fortiva credit card, but I did not purchase anything from XXXX recently, so I ignored it. On XX/XX/2201, the Fortiva credit card company sent me the same email again with the same attachment. I enclose the two emails from Fortiva ( on XX/XX/2021 and on XX/XX/2021 ) and its attachment document here. This {$700.00} is either duplicate or illegal charge. On XX/XX/2021, I filed a dispute form for this illegal {$700.00} charge and emailed it back to the Fortiva customer service. The Fortiva customer service confirmed with me that they received my filled transaction dispute form. Pleaser refer to my email communication with Fortiva customer service on XX/XX/2021. 

On XX/XX/2021. I called XXXX customer service several times and even spoke one of the customer service directors at XXXX. He told me that XXXX did not charge you recently, since you did not buy any item from them. In the phone call the director told me that such illegal transactions came from Fortiva credit card, and the illegal transactions have nothing to do with XXXX. 

Because of the numerous problems with the Fortiva credit card, I called the Fortiva customer service to permanently close this credit card on XX/XX/2021. The customer service representative told me that he closed my Fortiva credit card on XX/XX/2021. Later on XX/XX/2021, Iogged into the online account of the Fortiva credit card. it does show my Fortiva credit card was actively locked ( or called cancelled? ). I also attach the XX/XX/2021 snapshot of my Fortiva credit card online account regarding its status. 

on XX/XX/2021. I received another email from Fortiva to illegal charge me {$700.00}. In this email, it attach a transaction report for {$700.00} from XXXX again and again. I attach this email and its attached document here. 

In summary, the Fortiva credit card fabricated repeated illegal and fraudulent charges on customers for completely faked/fabricated transactions. And, such illegal activities have been made repeatedly. I am outrageous at such activities and would need helps at federal level to fight with such outrageous illegal activities conducted by the Fortiva credit card company.

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