Consumer complaint received 2025-06-22 00:00:00
Product: Credit 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: CA

Complaint narrative:
Statement of Facts Date : XX/XX/year> To Whom It May Concern : I am writing to report the failure of Alanticus corporation in addressing fraud charges made to my visa account, ending in XXXX, and to formally request immediate action on this matter. Below is a detailed account of the situation : Initial Report of Fraud On XX/XX/year>, I reached out customer service to report unauthorized charges made to my visa ending in XXXX. 

Unauthorized Charges of a total of {$55.00} Response Account closed, company close the account abruptly with out first notifiying me. this is in retaliation for me speaking up about unreasonable fees... 

Policy Violation According to Atlanticus policy, it states " XXXX LIABILITY FOR UNAUTHORIZED CHARGES '', yet I have not received any response or resolution concerning the fraud claim. 

Inconsistent Communication and Deceptive Practices Given the lack of follow-through on atlanticus corporation part and the failure to contact me as promised, I am left to wonder whether the company is deliberately stalling or if the information I received from your representatives was false and misleading. The apparent lack of action is deeply concerning and seems to violate the trust and transparency that I expect from a financial institution. 

Legal Implications As a result of this unresolved issue, I believe that Atlanticus corporation has violated my rights under the Fair Credit Billing Act ( FCBA ), which mandates that consumers be provided a timely and effective resolution to unauthorized charges. Furthermore, Atlanticus failure t

o address this matter in a prompt manner could be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Request for Immediate Action I am demanding the following immediate actions : An investigation into the fraudulent charge made on my visa ending in XXXX. 

A full resolution to this issue, including the reversal of any unauthorized charges. 

A written explanation of why the representative failed to follow through on their promises and why no one has contacted me despite being assured that I would be contacted. 

Confirmation that my liability for the unauthorized charges will be fully waived as per imagine visa card stated " ZERO LIABILITY '' policy. 

If this issue is not resolved promptly, I will have no choice but to explore all available legal avenues, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), Comptroller of currency, FTC, reporting to relevant credit bureaus, and pursuing any further action under applicable consumer protection laws. 

Please consider this a formal request for immediate action. also XXXX  will be contacted Sincerely, XXXX XXXX

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