Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I am filing this complaint regarding my credit card issuer 's decision to hold me responsible for fraudulent charges that were made in a foreign country without my authorization. The disputed transactions occurred in a country where I was not present and did not conduct any business. These charges were clearly unauthorized and were made without my knowledge, consent, or participation. The credit card company denied my fraud claim primarily because I did not report the charges immediately. However, I did not discover the fraudulent transactions until I logged into my account to make a payment nearly a month later. As soon as I became aware of the unauthorized activity, I promptly notified the credit card company and filed a fraud dispute. Consumers can not reasonably be expected to identify fraudulent transactions before they become aware of them. The fact that I did not discover the charges immediately does not change the fact that they were unauthorized. The transactions occurred in a foreign country where I was not located. I believe the credit card company 's decision is unfair and inconsistent with consumer protection laws governing unauthorized credit card transactions. I respectfully request the CFPB 's assistance in ensuring that this matter is reviewed fairly and that I am not held liable for charges that I did not authorize. Thank you for your attention to this matter. here are all the charges. TRANS DATE POST DATE DESCRIPTION OF TRANSACTION AMOUNT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} XX/XX/26 XX/XX/26 XXXX XXXX XXXX XXXX {$11.00} XX/XX/26 XX/XX/26 XXXX XXXX XXXX XXXX XXXX XXXX {$34.00} XX/XX/26 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$25.00} XX/XX/26 XX/XX/26 TOTAL XXXX XXXX XXXX XXXX XXXX {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00} XX/XX/26 XX/XX/XXXX XXXX XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/26 XX/XX/26 XXXX XXXX XXXX XXXX XXXX {$31.00} XXXX XXXX XXXX XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX XXXX XXXX XXXX {$27.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17.00} XX/XX/26 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11.00} XX/XX/26 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17.00} XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25.00} XX/XX/26 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21.00} XX/XX/26 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/26 XX/XX/26 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} Fees Charged XXXX XXXX XXXX DATE DESCRIPTION OF TRANSACTION AMOUNT XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$1.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$1.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$1.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$1.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} XX/XX/26 XX/XX/26 FOREIGN TRANSACTION FEE {$0.00} TOTAL FEES FOR THIS PERIOD {$15.00} Interest Charged TRANS DATE POST DATE DESCRIPTION OF TRANSACTION AMOUNT XX/XX/26 XX/XX/26 INTEREST CHARGE PURCHASE {$17.00} TOTAL INTEREST FOR THIS PERIOD

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