Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
The bottom line is the entire balance minus any annual fees obviously refrigerant charges that I did not make nor did the authorized user make. I dont really understand what that has to do with which card was used its all one account and I did send a letter and you ignored it. Youre very good at ignoring your customer rush and whenever you call you get transferred cause of course you have to explain everything to the first person and then they put you on an extremely long hold depending on the time of day you may or may not get to speak with someone sound familiar thats because I have called and youve sent emails and even if they say do not reply if you reply, you still get it because you reply back to me sometimes so its not as though you werent aware of what was going on you chose to cherry pick your information here and as far as text messaging goes, depending on the date specifically youre referring to I may or may not have looked at my statement, considering when my card was lost my entire bag was lost along with my ID and my phone. Guess what that means anything you sent to me via text wasnt being opened by me. It was being opened by the criminal who found my bag and decided to start having a good old time with my credit cards now later on youre right I have opened the statement. I dont understand you want me to just dispute it over and over and over again youre well aware of the issues that Im Having why do I need to dispute it again you knew that I filed a fraud claim so you want me to file another one? Do you want me to dispute each and every transaction? Please explain to me exactly. What is it that you want me to do because from your weather it looks like youre well aware of the issue. You even removed about half of the balance but left the other half there. Im not certain how you came to that conclusion that half the balance was fraud and the other half wasnt fraud. Please explain that to me and then months later you decide to add it all back because someone gets mad that Im keep bugging you about it. I think you forget that Im the victim here. Im not the one that committed the crime. Im the victim and if you never wan na do business with me again then so bad Ive got a wallet full of credit cards but I can tell you right now that youre not gon na get a penny from me. I lost my bag. I didnt have access to my phone ID none of that for a while. I sent the letter you didnt respond. I sent text I mean not text but I sent emails that you have responded to. Should I go back and look for those just to prove it or do you want to just accept responsibility that you are aware of the issues the ongoing issues and please explain to me how you took half of my balance away and then decided to put half of it back a month later. XXXX not sure that thats legal.

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