Consumer complaint received 2024-08-09 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: UT

Complaint narrative:
My line of credit was transferred to a mastercard without my consent. 
Fortiva Retail Credit PAYMENTS & CREDITS TRANS DATE POST DATE DESCRIPTION OF PAYMENT OR CREDIT AMOUNT XX/XX/XXXX XX/XX/XXXX AUTO PAYMENT DEBIT CARD - THANK YOU GA {$40.00} PY XX/XX/XXXX XX/XX/XXXX TRANSFER OF BALANCE XXXX GA {$1700.00} PY Conversation -- -- -- -- -- -- Created : XXXX Downloaded : XXXX Source : XXXX : XXXX Number of requests : 14 Number of responses : 13 Virtual agent : - " Hi! I'd like to introduce myself. I'm XXXX, your XXXX Virtual Assistant. '' - " I can help you with many of your Account inquiries, including things like : '' - Options : " Check Your Account Balance '', " Making a Payment '', " Recent Transactions '' - " And More! '' - " Choose one of the selections above or let me know how I can help you today. '' You : - " I was disconnected AGAIN '' Virtual agent : - " I have the following option for you. I apologize since I am not trained on this topic. again : '' - Options : " I got disconnected from previous chat '' You : - " supervisor, now '' Virtual agent : - " Your concern is very important to us. '' - " Before I continue, it would be helpful to know which account you're inquiring about ... or select General Question below if you have another question not related to your account. '' - " Card Ending in '' - Options : " XXXX '', " XXXX '', " General Question '' You : - " XXXX '' Virtual agent : - " Thank you '' - " You'd like to be transferred to a supervisor? '' - Options : " Yes '', " No '' You : - " Yes '' Virtual agent : - " Please hold while I transfer you over to a Supervisor that can assist you '' Human agent : - " Thank you for contacting Account Services. The information you provide during this chat session is confidential and may be recorded for quality and training purposes. '' Human agent : - " Thank you for waiting. You are now chatting with XXXX. '' Human agent : - " Please give me a moment to review your conversation with XXXX our Virtual Agent. '' Human agent : - " How may I assist you today? '' Human agent : - " Good afternoon. You are chatting with XXXX, and I am a customer relations supervisor. Please let me know how I can help you today. '' You : - " Fortiva transferred my balance to a credit card. I did not apply for a credit card, this is a violation for the truth in lending act '' Human agent : - " Your Fortiva Retail Credit account with XXXX, has been upgraded to a Fortiva Mastercard Credit Card. Use your new card anywhere Mastercard is accepted and enjoy more purchase flexibility for everyday expenses. '' You : - " I will gladly report fortiva to the appropriate governing agencies if you do not resolve this right now. '' Human agent : - " A notification was sent to you on XX/XX/XXXX regarding the change in terms. '' You : - " Requiring me to deny opening of a credit card is not sufficient to open a credit card in my name '' You : - " For a credit card to be opening in my name, I must knowingly and intentionally apply for it. '' You : - " It would be one thing if I had been asked to apply for the change, which I would not have done. '' Human agent : - " Please be informed that we have sent a notification regarding the change in terms on XX/XX/XXXX and 45 days op-out period since we have not received any responseFortiva Retail Credit account with XXXX, has been upgraded to a Fortiva Mastercard. '' You : - " That isn't legal '' You : - " You don't get to open a credit card in my name '' You : - " I opened a line of credit '' You : - " You didn't change the terms of my account, you closed one and opened another '' You : - " THAT IS ILLEGAL ''

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