Consumer complaint received 2025-12-23 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: CO

Complaint narrative:
I traveled to XXXX in XXXX. I left my backpack on the beach and I can only assume that during that time, my card was taken and used for XXXX separate transactions. I had not used that card in a very long time. The dates of the transactions was XX/XX/XXXX- it was XXXX transactions from the same XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX transaction for {$14.00} and XXXX transaction for {$140.00}. I paid cash for all of my transactions in XXXX and I didn't use this card at all and haven't used this card since. On XX/XX/XXXX, I received an email from XXXX XXXX XXXX XXXX XXXX XXXX XXXXating that they suspected fraud and detailed the charges. I immediately attempted to call them, however, they didn't have a number that was accessible from outside of the country. I went to my profile and immediately locked the card and then I sent a customer service request stating that there were fraudulent transactions on my card. They emailed me back a couple of days later and asked for the transaction details which I provided, they then emailed me a few days later and asked me to call their customer service line which I did. Once I called the customer service line ( XX/XX/XXXX ), they cancelled my card and reissued a new card. They stated they would investigate the fraudulent charges and send me a letter with the outcome of their investigation. They immediately sent me a letter ( XX/XX/XXXX ) stating that they were not going to accept the fraudulent charges claim because I had ample time to report it to them but I didn't report it until XX/XX/XXXX. Their letter stated that I had accessed my profile and the email they sent on XX/XX/XXXX, but I didn't open the dispute until XX/XX/XXXX. They also claimed I didn't do anything to prevent any further charges on the card, but I have the emails and the text messages from them confirming that I locked the card. They stated that I am not eligible to dispute these charges because I waited too long to dispute the charges. I have the email from them with the timestamp of XX/XX/XXXX, in which I contacted them and said there are fraudulent charges on my account. I literally opened the dispute within XXXX hours of them emailing me ... and regardless, I legally have 60 days to dispute these charges. 

-- -- -Original Message -- -- - From : XXXX Sent : XX/XX/XXXXXXXX XXXX XXXX XXXXo : XXXX Subject : Customer XXXX XXXX XXXX XXXX XXXX Dear Customer Service XXXX Please see the request below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX XXXX  Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. In order to better assist with your inquiry, please reply to this email with the merchant 's name and the dollar amount of the charge. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting XXXX  Customer Service. 

Please note that the information you send to us contained within or attached to an email is not secure until it reaches our servers. 


XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charges : {$14.00} {$140.00} Fortiva Customer Service Tue XXXX XX/XX/XXXX, XXXX to me Dear R, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. For security purposes, we have blocked your existing card. We would request you contact our account XXXX at XXXX regarding your unauthorized charges. Their hours of operation are XXXX XXXX XXXX XXXX XXXX  EST from Monday to Sunday. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting XXXX  Customer Service. 


Dear XXXX, XXXX authorization activity has been applied to your XXXX  Credit Card account totaling {$150.00}. To see the transaction details associated with this amount, please login to your online account and view your pending transactions. 

You XXXX access your account online anytime by visiting XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your experience with XXXX  is important to us. If you have any questions or comments about your transactions, please call our Customer Service team immediately at XXXX Monday through Sunday from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). 

Thank you for choosing Fortiva! 

Sincerely, XXXX  Customer Service XXXX XXXX  Were confirming that XXXX locked your XXXX  Credit Card account ending in XXXX  effective XX/XX/XXXX. 

While your card is in lock status all future authorization request will be declined. If you have recurring bill charges, such as subscriptions or monthly bills, you will need to pay these charges using an alternative payment method even though you approved these charges previously. 

You can unlock your card by visiting the account center at XXXX XXXX XXXXhe XXXX XXXX menu icon and click the XXXX button next to your card account to change the account status. 

XX/XX/XXXX XXXX ending in : XXXX  Your experience with XXXX  is important to us. If you have any questions or comments, please call our Customer Service team at XXXX Monday through Sunday from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). 

Thank you for choosing XXXX! 

Sincerely, XXXX Customer Service

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