Consumer complaint received 2015-05-22
Company: Atlanticus Services Corporation
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, 2015 I was attempting to help a friend obtain a phone through the XXXX XXXX XXXX. I was advised that they had financing options that did not include pulling or reporting to my credit bureau. The gentleman in the store asked me if I wanted the payments to be withdrawn from my checking account, I advised I just needed him to make sure that my credit was not run. He said ok, finished processing the account, we received the phones, he gave me information for when the payment was due and I thought that was the end of it. On XXXX XXXX, 2015 I called Fortiva as I pulled my credit report and noticed an inquiry from Fortiva and gave them a call and explained that I was told more than once that my credit report would not be run, I advised their inquiry was without permission and told them that I wanted the info to be removed from my credit report. I was told by a representative as well as a supervisor by the name of XXXX that I needed to XXXX the balance on the account and they would remove the info from my credit report. I asked for something in writing and they said they would n't be able to give me anything in writing, but to make the payment and call back and they could take care of it from there. Apparently, as XXXX informed me, there are XXXX ways for financing for XXXX phones. There is a " Y Buy '' program that does n't include pulling a credit report and then there is " Fortiva '' which indeed does pull a credit report. XXXX told me I could have the store cancel out the Fortiva account and instead sign me up for a " Y Buy '' account and that would XXXX the balance or I could just pay the account down to XXXX. In not wanting anything else to do with any of their financing options I went ahead and paid off the account on XXXX XXXX, 2015. The payment updated to the account after business hours on XXXX XXXX, 2015. I called in on XXXX XXXX, 2015 and then spoke with another representative as well as another supervisor by the name of XXXX rep id # XXXX. I informed him of the previous conversation and that the account was now paid off and that I wanted them to follow through with removing the information from my credit report. He told me there was no way to do this as they do n't remove factual info from the credit report. I advised I understood not removing facts, but I did n't authorize my credit report being pulled. He said they would have to do an investigation and someone from their corporate office would call me within 3-5 business days. 14 business days later I have not received a call back or resolution to my problem so I called in on XXXX XXXX, 2015. I spoke with a representative and asked to speak to a supervisor. After almost 15 minutes on hold, the rep came back and said a supervisor was not available, he was on another call and would need to call me back. 24 hours later and I have still not received a call back. This is incredibly wrong, I have been misled and lied to and I would like some resolution to this situation.

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