Consumer complaint received 2025-07-17 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:
Date : XX/XX/year> Dear XXXX XXXX Support Team, I am writing to formally dispute an inconsistency on my account regarding the minimum payment amount of {$25.00} for the billing cycle ending in XX/XX/year>. 

My paper billing statement, dated with a due date of XX/XX/year>, indicates a minimum payment due of {$160.00}. However, when I log into my online account, the minimum payment listed is only {$72.00} for the same billing period when it should be {$25.00} This discrepancy between the printed and online statements is confusing and appears to be a billing error that has not been clearly explained. I have reviewed my recent credits and transactions, and while the current balance has decreased it is unclear why the minimum due of {$25.00} amount would change so drastically, especially without a clear breakdown or notice. 

Please clarify the following : Why are there two different minimum payment amounts for the same due date? 

What caused the original minimum payment of {$160.00}, and how was it recalculated to {$72.00}? 

Why wasnt I notified of this change or provided an updated statement reflecting the adjustment? 

I kindly request a written explanation for this discrepancy and an assurance that this issue will not impact my account standing, including any late fees or credit reporting concerns, especially since the payment due date has now passed. 

Please treat this as a formal billing dispute under the Fair Credit Billing Act. I expect your investigation and response in writing within the legally required time frame. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 




additional info : Subject : Dispute of Unauthorized Charges Account Ending in XXXX To : XXXX XXXX Dispute Team From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account Number : ending in XXXX Date : XX/XX/year> Dear XXXX XXXX Dispute Team, or the XXXX I am writing to formally dispute several unauthorized transactions that have appeared on my XXXX XXXX account XXXX in XXXX. I did not authorize, recognize, or benefit from these transactions, nor have I shared my card or account information with anyone. 
Disputed Transactions : Date Merchant Location Amount XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  {$20.00} XX/XX/year> 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 XXXX XXXX XXXX  {$1.00} XX/XX/year> Late Payment Charge {$30.00} These charges were not made or authorized by me, and I have not used the card during this time period. I believe these transactions are fraudulent. 
I am formally requesting : An immediate investigation into each of the above charges Reversal and removal of all unauthorized transactions Reversal of the {$30.00} late payment fee, as it resulted from disputed activity Written assurance that no interest, penalties, or negative credit reporting will result from these charges while the dispute is under review I have attached screenshots of my account summary and have clearly highlighted the disputed transactions. Under Aspires Zero Liability Policy, and in accordance with the Fair Credit Billing Act ( XXXX ), I respectfully request immediate reversal of these charges. 

Reporting these unauthorized transactions to any consumer reporting agency or failing to remove them would be inaccurate, unfair, and a violation of your own stated policies. 

Please confirm receipt of this dispute and inform me of any further documentation or fraud affidavit needed to proceed. I appreciate your urgent attention to this matter and look forward to a swift resolution. 

your slave forever, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

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