Consumer complaint received 2016-04-14
Company: Atlanticus Services Corporation
State: VA
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
Made monthly online-pymts to Fortiva- paid the said amount per the webpage. Fortiva reporting to credit bureaus as late- no help with correcting. I opened up an account ( Account # XXXX ) with Fortiva in XXXX with a credit limit of {$1500.00}. In late XXXX XXXX, I received my credit reports and I noticed Fortiva reported me late to the credit bureaus several times in XXXX. 
XXXX XXXX -30 days late XXXX, XXXX, XXXX, XXXX XXXX -60 days late XXXX XXXX -90 days late I knew this could n't be correct because I paid at least the monthly minimum amount of what the statement said via the online website. 
XXXX XXXX paid {$75.00} Confirm # XXXX XXXX XXXX paid {$75.00} Confirm # XXXX XXXX XXXX paid {$78.00} Confirm # XXXX XXXX XXXX paid {$63.00} Confirm # XXXX There was n't a statement generated in XXXX ( unsure of the reason- Fortiva acknowledges that error in a response received via XXXX ). There was n't a payment made in XXXX XXXX because the online payment site stated the next payment of {$100.00} ( minimum ) was due on XXXX XXXX XXXX. I understood that this account is an installment account that fluctuates up/down monthly depending on your balance. 
XX/XX/XXXX, I mailed Fortiva XXXX certified letters ( XXXX to the CEO/Director and XXXX to Corporate Dispute Center ) to include my compliant, online screenshots of my account statements showing what to pay and payments made. I also filed a complaint with the XXXX. 
On XXXX XXXX, I received a XXXX page, XXXX sentence letter from Fortiva thanking me for being a valued customer but after a review of my account the reporting 's are accurate and no error has been found on their part, but feel free to call customer service if I have any other questions. No signature or a person 's name was on the letter. Talk about HORRIBLE customer service! They blew me off, as they do when I call customer service. I was expecting a history of receipts from Fortiva showing my full payment history, all transactions dealing with the account, a typed, signed-response and a courtesy statement saying as a 1x courtesy the credit reports will be updated due to all past errors and my experience to say the least. Fortiva did respond back to the XXXX on XXXX XXXX and they stated that they credited my account {$100.00} in late fees but declined to update my credit report as paid on time. 
I advised the XXXX that I did not accept the response and I wanted my credit report updated correctly because of Fortiva ' s website error. The only option to make payments on your account is mail, online or over the phone. You do n't have the option to go inside a store and make your payments, so being that this account is a revolving account, how was I to know that the minimum amount online was n't correct? 
Fortiva responded on XXXX XXXX with a breakdown of my account history ( which is n't available online ). Also declining to correct my credit report. 
XXXX information attached* To prove my point I have attached XXXX statement screenshots ( XXXX XXXX and XXXX XXXX ) that I was able to save. Fortiva mentioned in their statement that on XXXX/XXXX/XXXX a statement generated for a min of {$360.00} due. Fortiva reported me to the credit bureaus as 90 days late as of XXXX XXXX. However my online screenshot DATED : XXXX XXXX XXXX, shows XXXX {$100.00} due XXXX XXXX XXXX with no past due outstanding. Fortiva stated in the XXXX response that a statement generated on XXXX XXXX stating a MIN of {$120.00} was owed in XXXX, I paid {$180.00} in total ( {$86.00} XXXX XXXX and {$100.00} - XXXX XXXX ). They then stated I owed {$21.00} for XXXX but my online screenshot shows {$0.00} due for XXXX/XXXX/XXXX. I did n't make a payment in XXXX because it said {$0.00} due online. 
Also, the online system does n't update in real-time even after you make a payment. To prove my point I have attached a before and after screenshot for XXXX statement which states {$42.00} due by XXXX XXXX. Just paid {$21.00} on today and system still reflects {$42.00} due by XXXX XXXX. 
This is unfair reporting!

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