Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
This complaint is against XXXXXXXX XXXX XXXX I made my minimal payment in XX/XX/year> for {$30.00} and another payment if XX/XX/year>. Please see images of receipts with both payment processed thru my XXXX XXXX XXXX checking account. 

I strongly feel XXXX is targeting me to force me to pay the {$170.00} they falsely advertised that charge would be added to my credit card balance and not due upfront. XXXX is unfairly and deceptively trying to force me to pay that charge upfront. They are alleging I owe them {$110.00} for the month of XXXX which is not true. They have not acknowledged receiving that payment via email like they did in XX/XX/year> and they refuse to apply that payment to my balance and falsely allege that I am over my limit XXXX is participating in predatory and discriminatory credit services. 

I asked XXXX representatives to stop harassing me. I just list my mother in XX/XX/year> and XXXX representatives are harassing me all day during my working hours and grieving hours. 

XXXX is harassing and bullying me with no probable cause. This company is malicious and had I known they outsource their customer service department and sent my personal and confidential information oversees without my knowledge I would have never dealt with them. Their agents poor work ethics raise serious concerns for me. 

After doing some research this credit card company appears to be co conspiring with XXXX credit services. Why are credit card companies allowed to work with credit bureaus like XXXX and take advantage and set customers back who are trying to improve their credit. 

XXXX never advised or disclosed the fact that they were sending my personal and confidential information oversees to the XXXX. I feel this puts my personal and confidential information at risk. These agents are rude and disrespectful. I feel harassed and bullied by XXXX agents. 

I reported XXXX  Credit Bureau to CFPB last year for unfairly denying me access to my credit information. I feel they are doing this to prevent me the right to dispute charges being unfairly and deceptively placed on my credit report. Companies such as XXXX. I will be filing another complaint on with CFPB on XXXX I have been a victim of fraud and identity theft and fraud last year and this really causes me an abundant amount of stress and fear. 

Why are these bogus deceptive companies continuously being allowed to victimize customers in south Florida I feel this company has malicious intent and is working with XXXX to destroy my credit for no apparent reason. 

Thiscompany needs to be investigated for alleging I did not make a payment and for using false allegations to defame me by threatening to send me to collections when I clearly made payments? They are not applying my payments to my balance. See all attachments. 

Please investigate and stop companies like XXXX anXXXX XXXX from co conspiring to tarnish credit reports certain ( XXXX ) US citizens.

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