Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid 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: GA

Complaint narrative:
I have sent numerous communications to this company regarding fraudulent charges on my account which they claim I'm responsible for. I have disputed this and gotten a so called investigation. this investigation did not go in my favor and they reversed the credits given. 
I requested this be reopened as I was not responsible, and you refuses saying I'm responsible for the bill. There have been numerous notations made to my credit report reflecting my dispute. Your company is tarnishing my credit history! 
Here is the basis of what was sent by certified mail posted here for the record : NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom it XXXX Concern : This is in reference to the report of outstanding debt of {$1600.00}. 
I was notified by your company of the above-mentioned alleged debt on multiple occasions by mail and by phone. 
This notice is to hereby advise you, that there are several billing errors on my account. The amount of the errors being disputed are {$1600.00} from previous billing statement dated XX/XX/2022. The amount in question originated from unauthorized transactions that were reported in XXXX, 2022, in a timely fashion by XXXX and our current Agreement, also sent in the requested Affidavit, all in Good Faith, to no avail. Months have passed with no resolution. I called numerous times and made note of this to your agents and have been treated very unfairly, hung up on and been made to think I had no remedy under law, but this is not a fact. 
However, your company chose to side with the merchant after brief and uneventful investigation, that should clearly show Cardholder was not at fault, you decided to bill Cardholder and would not negotiate further.

Hence, this is a billing dispute in writing pursuant to 15 USC sec. 1666 and 12 CFR 1026 et sec. All billing of disputed amount must cease, pending rectification by federal law.

According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially.

Your Company and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well incomplete documents from dispute with XXXX XXXX and a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX, a COPY of the XXXX XXXX is not sufficient evidence of debt. Your Company also slandered and reported erroneous unvalidated information to Credit Bureaus further doing harm to consumer XXXX XXXX. 

{$160.00} was the most recent payment made, on coerced from me due to the negative reporting that resulted on my credit report forcing me to pay to stop the slander of my good name, making the New alleged balance {$1400.00} I have had perfect payment history for years and your negative reporting affected my score tremendously to XXXX XXXX where I lost a couple of accounts, and my limits were lowered on several of my credit cards because of this. I have suffered hardships and loss of status due to your erroneous, unlawful and malicious reporting practices. 
These facts make you liable for damages according to 15 USC 1692 ( k ), {$1000.00} USD per occurrence, if necessary, I will file a claim in federal court to not only rectify the balance, but to retrieve damages as well. There are numerous violations here to be had months of them if we are counting. However, there is a remedy I hereby grant your company the opportunity to amicably resolve the matter by way of doing ALL of the following : 1 Deletion of missed AND late payments from all consumer reports 2 ) Clear away any alleged balance owed 3 ) Refund all the payments that are made on this account. 
XXXX ) Return Account to Good Standing at XXXX balance XXXX ) Account remains active and open and credit limit increases to {$3000.00}, as compensation for months of hardship and inconvenience, and since Consumer is extending you His Credit in Good Faith, via this Agreement

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