Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I called the Credit Protection Dept. of FORTIVA since the person on CHAT couldn't help me, and I spoke to XXXX. I informed him I needed to activate the Credit Protection I've been paying for on my account due to me just recently, as of 2 weeks ago losing all income I've had because my unemployment has now completely been exhausted and I currently have no income.. Absolutely, NONE. 0! NADA! ZILCH!. XXXX, the smart man that he is.. told me that have to fill out 2 forms and then fill in proof of me not receiving an income. Which is the DUMBEST thing I've ever heard in my life. If I dont have a job and unemployment has run out There's nothing to send. I informed XXXX I will NOT be sending anything to him when I'm indemnified for the service of the Credit Protection Program cause I've been paying for it every month. XXXX put my account in Pending status. 

Several days go by and a I receive an email from FORTIVA for a bill telling me to pay {$92.00} which a sum of {$42.00} was just added on. The pain that IMMEDIATELY SHOT through my ENTIRE body knocked me off my seat and onto the floor. That was XX/XX/XXXX. ON XX/XX/XXXX, after having a chance to calm down, I called back .and spoke to a Supervisor named XXXX XXXX I explained to XXXX, I am 100 % XXXX. I can not walk, I am in XXXX mode. My XXXX XXXX is through the roof. I am on bedrest and watch care. On tons of meds and I can not leave the house to go print out the papers their requesting in order to send them back. Especially when I'm indemnified for it. In addition to which the payment should have been decreasing instead of increasing and I think it's quite insulting that Fortiva would even request documents when we're INDEMNIFIED FOR IT. I informed XXXX-the supervisor CLEARLY , if every other credit co. I deal with for this purpose just went ahead and handled business why is there such a problem for Fortiva? XXXX acted like he heard nothing I said.. and was clearly to DUMB to make a Supervisory decision and to go ahead override whatever procedure they have in place.. given what I'd just told him. When he told me I still have to provide the paper work ... that same XXXX pain shot through my entire body and so I just let him know since they agreement is not unilateral and there's no conditoins stating I need to provide you any type of proof for something I don't have ... then I'll just file a complaint. 


Today I receive another notice from FORTIVA requesting the following ; Dear XXXX, This email is being sent to inform you that the credit protection benefit due to involuntary unemployment is pending in receipt of : XX/XX/XXXX Account ending in : XXXX Benefit Activation Form Adequate documentation of your involuntary unemployment ( i.e., Evidence you have registered for work with your state employment office or a recognized employment agency within thirty ( 30 ) days of your last date of employment. If strike or lockout, evidence of involuntary unemployment, may include a statement signed by an office of your union. ) The Benefit Activation Form and required documentation must be returned within 60 days of the date the protected event occurred, or your benefit request will not be considered. 

You can submit the required documentation via one of the following methods : Go to https : //www.myfortiva.com/upload? XXXX to upload documents electronically Mail : Fortiva Credit Protection XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Questions? Our Fortiva Credit Protection specialists are available to answer any questions you may have, please call us at XXXX, Monday through Sunday from XXXX XXXX XXXX XXXX XXXX. Eastern Time. 
Sincerely, FORTIVA Credit Protection Please do not reply to this e-mail as we are not able to respond to messages sent to this address. 
================================================================== This is the DUMBEST THING I'VE EVER SEEN. After I've told you I'm not sending you any thing because I don't have to. And I've paid for service and your refusing to pay out the service.. which you continue to add insterest and late fees to my account and you continue to report to my credit report which is now negatively effecting me.

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