Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Issue : Fraud or scam / Unauthorized transactions/ Problem with a companys investigation into an existing problem I am filing this complaint against Imagine Credit Card ( issued by XXXX ) regarding unauthorized fraudulent transactions on my credit card account. The bank has closed my fraud claim multiple times without a proper investigation and continues to hold me liable for charges I did not make and a card I never received. Key facts and timeline : On XX/XX/XXXX, I had a scheduled medical appointment in XXXX XXXX from XXXX a.m. to approximately XXXXXXXX XXXX. ( full examination and preventive check-up ). I have medical records as proof. It was physically impossible for me to be at my home address receiving/activating the card and making transactions in XXXX XXXX XXXX XXXX same time. On XX/XX/XXXX, I was in XXXX XXXX, ZIP XXXX, and received a delivery there. I have the delivery record. At that time, there was an attempted {$550.00} withdrawal ( declined ). I discovered the negative balance of - {$680.00} on XX/XX/XXXX via XXXX XXXX and immediately reported the fraud to the bank. I have multiple SMS showing failed login attempts and password reset requests around the time of alleged card activation. Official reports filed : Police Report # XXXX FTC Identity Theft Report # XXXX Previous CFPB complaints : XXXX, XXXX, XXXX I have sent the bank the full package of evidence multiple times ( XX/XX/XXXX, XX/XX/XXXX, and supplemented with the complete police report on XX/XX/XXXX ). I also sent everything again after their XX/XX/year> response. Banks response and failures : The banks only argument is that I accessed the mobile application. This is their sole proof. Accessing the app does not mean I received the physical card in my mailbox, activated it, or made in-person purchases at XXXX and XXXX gas station. I have requested proof from the bank : Confirmation and details of card delivery to my mailbox ( date and time ) Evidence that I personally performed the transactions ( signatures, photos, or surveillance footage from merchants ) The bank has provided XXXX evidence and has not responded to these requests. XXXX department representatives told me over the phone that they simply close the case within a few days without any real investigation. The bank completely ignores all my evidence of innocence ( alibi by time and location, medical records, delivery records, SMS logs, police report, and FTC affidavit ). They have not contacted the merchants, requested surveillance footage, or coordinated with the police. Legal violation : Under Regulation Z ( Truth in Lending Act ), for unauthorized credit card transactions, the bank must conduct a reasonable investigation if they want to hold the consumer liable. They are failing to do so and are improperly denying my fraud claim. What I request from CFPB : Please require Imagine Credit Card ( XXXX ) to : Immediately reopen the fraud investigation Conduct a proper reasonable investigation, including contacting XXXX and the gas station for verification and surveillance footage Provide me with written evidence of card delivery and proof that I authorized the transactions Remove all unauthorized charges, correct the negative balance to XXXX, and stop any collection activity or negative credit reporting I have already provided everything I can. It is the banks responsibility to investigate, not mine. I have been paying for fraudulent charges for several months, which is causing me financial harm. Attachments : I will attach ( or have attached ) copies of the police report, FTC report, medical records, delivery record, SMS screenshots, and previous correspondence with the bank. Thank you for your assistance. XXXX XXXX

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