Consumer complaint received 2024-03-07 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: CA

Complaint narrative:
I have been involved in a fraud investigation with Aspire since XX/XX/XXXX. It has been declined 3 times. Over the past 7 months I have been told by fraud supervisor ( XXXX ) that it was a moto scam. They have credited my account and said they were sending me a refund. I was told that it would take up to 20 days to receive the check. I waited 20 days and called. At that point I was now told that the investigation was declined. It was reopened for review and declined again stating my email matched my name. In XXXX I received paperwork from a company called XXXX XXXX XXXX stating that an unauthorized party obtained data from them. That the data involved included my personal information, email, date of birth, social security number, passport number, driver 's license number, and health insurance information. On XX/XX/XXXX I sent XXXX the new information and was told it was being investigated once again. Yesterday, I received a collection call for the balance of my account {$3.00}. I told the individual that it was a federal crime to try to collect while my account was under investigation. I spoke with 2 customer service supervisors who all agreed. They said they would have the fraud dept call me back this morning. This morning when I contacted them for an update because they hadn't yet called I was told that my account was currently under investigation and that I just had to be patient. But, that it currently showed that it WAS still under investigation. I then received a message from aspire that I had new account activity, that my account balance of {$3.00} was now {$98.00}. So, I called back and was told that my account was no longer in a current investigation that it had been declined as of XX/XX/XXXX the day before my payment was due and that it had acrrued a late fee of {$35.00} per day it was late. No explanation for why it was denied or how it has now been backdated to XX/XX/XXXX. Tonight I went in to pay my balance because I don't want it being reported to credit agengies and it has now jumped from {$98.00} to XXXX. I have paid the balance in full. I orginaly reported this to the police department as well to identitytheft.gov as well. Someone was able to get into my email and obtain my aspire information and used it to purchase items from XXXX XXXX. I found out today that XXXX XXXX issued credits to Aspire in XXXX and Aspire said they have already applied it to my principle. If XXXX has acknowledged this as fraud I do not know why XXXX has come to this conclusion. I suspect that they were fearful that their collection department called me during an open investigation and I called them on it. Then all of a sudden, the investigation is closed and backdated to before my payment is due.

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