Consumer complaint received 2022-06-06
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX Aspire Credit Card Services to set XXXX XXXX XXXX Was offered " XXXX XXXX XXXX '' by Representative. Was told to make payment of {$560.00} to clear total balance and close credit card. Agreed to set up Auto payment for XX/XX/XXXX. 
XXXXcalled Aspire, advised representative bank account has a temporary hold due to state taxes so can longer use account to make payment. Advised representative will still make payment with another card. Representative agreed to cancel the auto payment for XX/XX/XXXX and agreed I can call back with someone else card on XX/XX/XXXX to make the payment. 
XXXXcalled aspire and advised using moms card to pay the XXXX. Representative advised can pay online through account to avoid processing fee. Agreed to make payment. 
XXXX aspire to advise Bank notified me of transaction trying to go through. Advised representative of conversation on XX/XX/XXXX and that account was on hold and made payment on XX/XX/XXXX so need to reverse payment to avoid any other issues with bank. Representative apologized and said see payment for XX/XX/XXXX and will reverse incorrect payment. 
XXXXcalled Aspire to see why balance still showing on account when I made the payment agreed upon. Representative advised to give til XXXX and account should be updated to zero-balance. 
XXXXcalled Aspire advised balance still showing on account. Representative advised program voided. Advised representative made the payment and held up my end of the agreement. Spoke to another representative that stated due to online payment it voided the agreement n had to pay with representative. Advised rep was never told had to pay with another rep. Advised rep when called to make payment the rep advised can pay online. Advised again I made payment as agreed and did not appreciate tat the previous rep o XX/XX/XXXX did no cancel the other payment as he promised. Advised Rep I will need to hear all the recordings once I speak to an attorney. Rep advised me he will have manager pull calls and will rectify the situation and promised to call me back on XX/XX/XXXX between XXXX XXXX. 
XXXX-called Aspire and advised a manager was to call me back to fix the situation with the XXXX XXXX XXXX. Female Rep did not adhere to what I was saying. Advised rep at this time I need to file legal because, no one is trying to help me resolve this. Rep advised se would get me to a manager. Rep placed me on hold and never came back. Called aspire back and advised another Rep what was goin on. Rep advised me he will be emailing upper management to get this resolved and shows that I held up my agreement. Rep advised me it should be rectified by the following Friday ( XX/XX/XXXX ) and to call back that day or after. 
XXXXcalled Aspire advised checking status of dispute. Rep advised no dispute and do not show. Advised Rep keep getting the run-a-round and this need to be resolved today. Rep gave number to fraud department for dispute. Spoke to that department. Rep advised ill get manager. Male came to phone then hung up. Called back spoke to female Rep. She advised no previous notes and cant make a dispute in this department. Advised Rep at this time will be seeking legal action and filing against them.

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