Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
I am requesting that the CFPB reopen my complaint against Fortiva Credit Card XXXX Bank XXXX Missouri for mishandling a fraudulent account investigation and providing false or misleading information in their responses. 

Below is the complete timeline and evidence of XXXX ongoing noncompliance and deceptive reporting : Timeline of Events XX/XX/XXXX A Fortiva Credit Card account was fraudulently opened in my name. I never applied for or authorized this account. 
Late XXXX I received alerts of missed payments on my credit report and discovered unauthorized Fortiva accounts. 
XX/XX/XXXX I contacted Fortiva multiple times to dispute the accounts. No meaningful investigation was conducted. I requested account access to correct the issue and was denied. 
XX/XX/XXXX Filed first CFPB complaint ( # XXXX ). 
XX/XX/XXXX Fortiva denied my fraud claim, citing only that my home address and phone number matched the application. No signed application, IP logs, or authorization proof were provided. 
XX/XX/XXXX Fortiva responded to the CFPB, falsely claiming they verified the account as mine, and refused to remove itonly marking it disputed. 
XX/XX/XXXX Made a single payment of {$64.00} under duress to avoid further damage to my XXXX XXXX. I had to call in to make the payment because I still had no online access to the account. This payment was not an admission of ownership but an attempt to prevent further harm. 
XX/XX/XXXX Filed second CFPB complaint ( # XXXX ) after continued reporting and no valid proof of account authorization. 
XX/XX/XXXX Fortiva again refused to reinvestigate, claiming their position was unchanged, and cited the payment I made under duress as evidence of ownership. 
XX/XX/XXXX Filed third CFPB complaint ( # XXXX ). Fortiva responded repeating prior claims and falsely added that my last login was on XX/XX/XXXX, despite my repeated statements that I have never had account access or login credentials. 



Violations & Misrepresentation 1. False Login Claim Fortivas assertion that I logged in to this account is false and unsupported. I have never had any access, and their system records or data may have been misattributed or manipulated.

2. Failure to Conduct a Reasonable Reinvestigation Each of Fortivas responses reused the same language, showing no new investigation occurred. This violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ). 
XXXX. XXXX XXXX XXXX Misrepresented as Ownership I made a single payment under pressure to prevent further harm to my credit, not as an acknowledgment of debt responsibility. XXXX use of this payment as evidence of ownership is misleading and coercive. 
XXXX. Ongoing Reporting of a XXXX Account Fortiva and the credit bureaus continue to report this account as valid despite lacking any proof of application authorization or identity verification. 



Requested XXXX I am requesting that the CFPB : XXXX. Reopen and consolidate all three complaints ( # XXXX, # XXXX, # XXXX ). 
XXXX. Require Fortiva and the credit bureaus ( Experian, Equifax, TransUnion ) to produce verifiable proof of account authorization ( signed application, IP logs, device records, etc. ). 
XXXX. Require Fortiva to remove the account and all related negative reporting if they can not provide this proof. 
XXXX. Investigate XXXX false claim that I logged into this account on XX/XX/XXXX. 
XXXX. Prevent Fortiva from using payments made under duress as evidence of account ownership

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