Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (TN)

It all started on XX/XX/year>. XXXX XXXX XXXX XXXX Representative came to my house said my neighbor ( a police XXXX ) referred me to him for their XXXX XXXX XXXX. I asked if they are still in XXXX XXXX  business for homes. The Sales representative affirmed they are.Thereafter, he came in to my house and discussed their XXXX XXXX XXXX He told me to try their XXXX XXXX XXXX for 30 days, if I like the services, there would be another 2 months of free services ( a total of 1 month free trial and 2 months with no payments, until XXXX XXXX, NO CONTRACT! ) and any payments on the account/services would not due until XXXX XXXX  ; but, if I didn't like their XXXX XXXX  products and/or services, they would come out to remove their gadgets from my house at no cost/payments to me, that I don't owe XXXX XXXX XXXX or their creditor. He then requested on my behalf a credit line from Fortiva Retail Credit and was approved a credit line of {$4000.00} for 0 % for 60 months. He then said, all the {$4000.00} wouldn't be used and the payments on the credit line wouldn't start until XXXX XXXX, No Contract! He also said, the security gadgets would include XXXX door alarms, XXXX motion sensor XXXX water sensor, XXXX smoke/Carbon monoxide detectors, panel, free doorbell Pro, XXXX cameras in a buy XXXX get XXXX free ( making a total of XXXX cameras ), outdoor X XXXX plus XXXX spotlights, XXXX XXXX - XXXX garage, and XXXX thermostats. However, to my dismay, not all that the Sales representative said were true/installed as promised. All the {$4000.00} credit line was used, XXXX cameras were installed out of XXXX cameras, XXXX sportlights were installed, no smoke/carbon monoxide was installed. The main discussion which was XXXX XXXX  was fraudulent! The sales representative took a picture of gas/electric bill and sent it to his colleague who he said handles XXXX XXXX  installations for XXXX XXXX XXXX. Thereafter, they kept moving from one XXXX XXXX  installer to another with no concrete conclusions and updates on how to install the solar system in my house. This makes me suspicious of fraudulent act. As a result their behavior, and the untimely bill i received from Fortiva Retail Credit, I reached out to the sales representative in XX/XX/year> that I received a bill from Fortiva Retail Credit which was a contradiction to what he said to me. He responded that i shouldn't receive any bill until XXXX XXXX  and that he would find out what was happening. He then scheduled to come to my house 2 days ( Saturday ) after our phone conversation, but he neither showed up nor call to reschedule. After 3 days of not hearing from him, i called him again ; he apologized and rescheduled again, but didn't show up again. Then, i reached out to him and said, i no longer interested in their services, that he should come and remove all their gadgets from my house and installed back my XXXX thermostats and door locks. He said he would call and schedule deinstallation dates for their tech guy to come out to my house, but no one showed up! On XX/XX/year>, before any payment was due on the Fortiva Retail Credit account, I reached out to Fortiva Retail Credit to cancel and close the account as I didn't approve of the credit line. I asked Fortiva Retail Credit agent to request for the refund of all the {$4000.00} issued credit from XXXX XXXX XXXX. Fortiva Retail Credit agent agreed to cancel/closed the credit line and confirmed to go after XXXX XXXX XXXX for their credit refund. On XX/XX/year>, I called XXXX XXXX XXXX customer service ( spoke to Lean, tech agent, then transferred to XXXX XXXX XXXX XXXX agent ) to let them know that I no longer interested in their services and their Sales representative XXXX XXXX hasn't come to my house to remove their gadgets. Also, i told the customer representatives that Fortiva Retail Credit has canceled/closed the credit line. Instead, he ( XXXX ) tried to persuade me to retain their services and offered XXXX free months as did the Sales representative which I outrightly objected. I told him that their sales representative gave me 30 days free trial, if I like the services, another 2 months of free services with no payments due either to Fortiva Retail Credit or XXXX XXXX XXXX until XXXX 2024 ; if i didn't like their services and I was free cancel before XX/XX/year> at no cost to me and they would return all the {$4000.00} back to Fortiva Retail Credit, No Contract! Instead, XXXX made the discussion unwelcoming, said he needed to confirm from their sales representative of the 30 days free trial and reached out me to schedule a date for deinstallation of their security gadgets and install back my thermostats and door locks. He never reached out to me! Rather, on XX/XX/year>, the sales representative called and left me a voice message that he was called and told by XXXX XXXX XXXX that I have canceled their security services, and that he ( the sales representative ) would send their tech to my house to remove the security gadgets and install back my gadgets. He also, said he has found another XXXX energy installer, but I didn't give in to his cajole! I have called the sales representative on XX/XX/year> and XX/XX/year> ; his responses were he didn't know why the tech hasn't come to remove the gadgets from my house and that he would call the tech guy again. He lied! On XX/XX/year>, again, i reached out to the sales representative to resolve the issue of removing their gadgets from my house, he didn't respond. On XX/XX/year>, I called XXXX XXXX XXXX customer service and spoke to XXXX about the cancelation i made in XX/XX/year> of the XXXX security services at my house and that their tech guy hasn't come to remove the gadgets from my house. She confirmed that I called on XX/XX/year> to cancel XXXX XXXX XXXXXXXX XXXX XXXX but they needed to confirm from the sales representative of the 30 days trial. I asked her, if I called on XX/XX/year> and XXXX said to confirm from the sales representative and your sales representative called and left me a voice message that he was called by XXXX XXXX XXXX and told I have canceled your security services and that he would send a tech guy to come to my house to remove your gadgets and install back my gadgets, was that not a confirmation that the Sales representative attested to the 30 days free trial? She couldn't rebuff. Until now, XXXX XXXX XXXX hasn't sent their tech guy to come out to remove their gadgets from my house and install back my gadgets! Fortiva hasn't received the {$4000.00} refund from XXXX XXXX XXXX. A negative report has been placed on my credit report by Fortiva Retail Credit. This is a fraud from XXXX XXXX XXXX!