Consumer complaint received 2026-04-15 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: DE

Complaint narrative:
I am submitting this complaint regarding my experience with XXXX as I believe I was misled during the sales and installation process and am now dealing with a financial account I did not fully understand or knowingly agree to. A salesperson came to my home and offered to help me save money by replacing my current XXXX security system with a XXXX system. I was initially very hesitant, as I generally avoid engaging with door-to-door salespeople. However, as a woman who lives alone and a veteran, home security is extremely important to me. The idea of maintaining my security while potentially saving money made me willing to hear more. During our conversation, I was very clear about my concerns. I specifically asked about any contracts, cancellation fees, or credit checks, and I stated that if any of those were involved, I would prefer to stay with my existing XXXX system. The salesperson assured me that there were no cancellation fees and no contract, which played a significant role in my decision to move forward. The process felt rushed. The salesperson had been in my neighborhood for several days and returned to my home later in the evening, around XXXX XXXX or later, to complete the process. A different individual came to perform the installation. At one point, I was handed a phone and told I needed to complete a survey so the installer could finish the setup. I felt pressured to move quickly and completed what I believed was a simple survey about the salespersons performance before handing the phone back. While the name XXXX was mentioned at some point, I do not believe it was clearly explained. Given my stated reluctance to open any lines of credit or take on financing, I believe this information was either rushed, minimized, or not properly disclosed in a way I could reasonably understand. I did not knowingly agree to open a credit account. I was told I had three business days to cancel if I was not satisfied with the service. Unfortunately, it took me longer than three days to realize that a credit account had been opened in my name to finance the equipment that was installed. After discovering this, I contacted Fortiva directly. I was told that I would need to speak with XXXX, as they are partnered and XXXX is the merchant associated with the financed equipment. When I contacted XXXX, the representative seemed unsure how to properly handle my request. I was provided with a copy of my invoice via email and told that I had signed a pre-installation survey indicating that I agreed to all terms, including the financing. I asked whether there was a different phone number, department, or escalation channel I could contact for further assistance, but I was told that no such option existed. The representative stated that the only available support channels were their standard customer service phone line and online chat. I then attempted to use the online chat feature, but that representative advised me to call customer service, stating that chat support is primarily intended for upgrades and technical assistance. At this point, I feel that I am being given the runaround without any meaningful assistance or resolution. I would not have agreed to move forward with XXXX had I been clearly informed that a line of credit would be opened in my name. I believe I was misled and not given a fair opportunity to make an informed decision. I am requesting assistance in reviewing the sales practices used in this situation and in resolving the issue of the credit account that was opened without my clear and informed consent.

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