Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX XXXX Imagine Visa Credit Card XXXX XXXX XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX Subject : Dispute of Over-the-Limit Charge and Account Balance Violation of the CARD Act Dear Sir/Madam, I am writing to formally dispute the over-the-limit charge applied to my Imagine Visa Credit Card account , resulting in my account balance increasing from {$500.00} to a total of {$700.00}. I believe this over-the-limit charge was applied in error, and I am requesting an immediate investigation into this matter. 
Basis for Dispute : Failure to Disclose Opt-In/Opt-Out Option : Under the Credit Card Accountability Responsibility and Disclosure XXXX XXXX XXXX XXXX of XXXX, credit card issuers are required to clearly disclose the terms of over-the- limit charges and must offer the consumer an opt-in or opt-out option before such fees can be applied. I was never given the opportunity to consent to these over-the-limit charges at any point during my account opening or subsequent communications from Imagine Visa or XXXX XXXX. 

As a result, the application of this over-the-limit charge is in direct violation of the XXXX XXXX, as no consent was obtained from me to exceed my credit limit and incur these fees. 

Deceptive and Misleading Practices : I have not been provided with any proper disclosure or information regarding over-the-limit fees in the terms and conditions of my credit card agreement. The lack of transparency regarding these charges is not only misleading but also deceptive. I believe that Imagine XXXX and XXXX XXXX have engaged in practices that are unfair, and which violate the basic principles of consumer protection under the Truth in Lending Act. 

The Impact : As of today, my account balance has increased from {$500.00} to {$700.00}, a {$200.00} increase, due to charges that I was never informed of or given the opportunity to opt into. This charge was imposed without my consent, and I believe this constitutes a violation of my rights as a consumer. 
Request for Action : Immediate removal of the {$200.00} over-the-limit charge from my account and a correction of my balance back to its original amount of {$500.00}. 

Review and correction of Imagine XXXX Credit Card XXXX XXXX XXXX 's practices regarding over-the-limit charges to ensure compliance with the CARD Act and other consumer protection laws. 

Confirmation that my account has been returned to the correct balance, with no over-the-limit fees applied. 

Next Steps : I expect a formal response to this dispute within 30 days, as outlined under the XXXX Credit Billing Act. If this issue is not resolved in a timely and satisfactory manner, I will be forced to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Comptroller of currency and other relevant regulatory authorities, including my states attorney generals office. 

Please have your inhouse counsel contact me at your earliest convenience at XXXX XXXX Arbritration has to get started/ Compensation is now required for violation s. damages are in effect, {$1000.00}. FCBA has also been violated {$1000.00} as well, FCRA section tittle 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. violation {$1000.00} .. confirm receipt of this dispute and update me on the progress of your investigation. 

{$3000.00} in violations from your company... 

Thank you for your prompt attention to this matter. I look forward to your immediate resolution of this issue. 

Sincerely, XXXX XXXX visa ending XXXX

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