Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: DE

Complaint narrative:
This complaint is a follow-up to CFPB Complaint # XXXX, filed on XX/XX/year>, regarding the closure of my XXXX XXXX XXXX account issued by XXXX and managed by Atlanticus Services Corporation. I am submitting this new complaint because the companys response to my previous CFPB complaint did not address significant discrepancies between its explanation and the actual communications I received. I am also attaching additional documentation and screenshots supporting the timeline described below. In its response, the company states that my account was permanently closed on XX/XX/year> due to payment delinquency and the account being significantly over the credit limit. However, the communications I received from the company contradict this timeline. On XX/XX/year>, I received an email from the issuer stating that my account was suspended and providing a deadline of XX/XX/year> to make a payment. In reliance on that communication, I made a full payment of approximately {$550.00} on XX/XX/year>, the same day I received the email. If the account had already been permanently closed on XX/XX/XXXX as the company now claims, then sending a suspension email on XX/XX/XXXX with a cure deadline of XX/XX/XXXX would be materially misleading because it suggests the account remained capable of being cured. In addition, I was never provided any written notification that my account had been permanently closed. I have received no email, letter, or other written communication stating that my account was closed. The first time I was informed that the account had been permanently closed was through customer service interactions via chat and phone. The issuer did not provide a written account closure notice explaining the action taken or the reasons for the closure. This lack of written notification created further confusion because the only written communication I received indicated that the account was suspended and could be cured by making a payment before XX/XX/XXXX. Further complicating the issue, the issuers payment system prevented me from correcting the returned XXXX payment immediately. After the payment was returned due to insufficient funds while I was changing banks, I attempted to resolve the issue promptly. However, the issuers system did not allow me to cancel the pending payment, schedule a replacement payment immediately, or make back-to-back payments. I was only able to make a new payment several days later due to these system restrictions. I made the payment at the earliest time the system allowed, which was XX/XX/XXXX, the same day I received the suspension email. Despite making the full payment after receiving the cure notice, I was later informed through customer service that the account had already been permanently closed. The companys CFPB response also relies on overlimit status as justification for the closure while acknowledging that I had enrolled in Overlimit Coverage. The issuer repeatedly prompted me to enroll in this feature, and I relied on the understanding that it would prevent declined transactions. However, the resulting overlimit status was later used as justification for permanently closing the account. Taken together, this situation raises serious concerns regarding contradictory communications about the status of the account, the absence of any written account closure notice, and system restrictions that prevented timely correction of the returned payment. I am attaching documentation including : The email received on XX/XX/year> stating the account was suspended and providing a XX/XX/XXXX cure deadline Payment confirmation showing the full balance payment made on XX/XX/year> Screenshots of customer service communications confirming the account had been closed The companys response to CFPB Complaint # XXXX

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