Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Consumer complaint On XX/XX/XXXXXXXX XXXX XXXX  XXXX entertained a presentation from a XXXX  Agent, ( XXXX XXXX XXXX XXXX XXXX ) the presentation led to my acceptance of the offers made which included 4 cameras, 1 indoor control panel, 1 garage door opener and front and patio door alarms. I was clearly presented with the cost of the service from XXXX to be {$110.00} per month for 3 years and thereafter {$45.00} per month until balance is paid off. The total purchase presented was about {$3600.00}. The equipment was installed the same day of presentation. The agent XXXX XXXX stated she would be back the next morning to make sure everything was fine. She came over about XXXX Sunday XX/XX/XXXX. I told her everything is fine ; however, I forgot to ask what the method of payment is and when will it begin, she stated XXXX will send you the information within the week or so. I said OK. 
On XX/XX/XXXX, I received a letter from a company by the name of Fortiva, informing me of a transaction involving approved credit of {$4600.00} with an interest rate of 9 % over the term of 5 years. I also received a credit card to be registered by me to acknowledge payment to Fortiva. I called and asked about it and I was informed that it is Fortivas way of letting me know I have and account with them and to remind me of payments to be made. 
The letter sent by Fortiva included a billing statement showing the total transaction. I called them and let them know that I was never told or informed about financing the equipment with XXXX, I was told that I would get directly billed by XXXX and that I know nothing of who Fortiva is and that they were used for a credit application on my behalf. So, I informed the agent I will cancel my account. 
XXXX agent never informed or disclosed to me anything about financing the equipment with Fortiva as a method of payment. I was told that I would be paying monthly to XXXX and that I could cancel within 60 days without reason, just a change of mind. On XX/XX/XXXXXXXX  I called XXXX and spoke to rep. XXXX and requested that my account be cancelled based on my learning that XXXX obtained credit on my behalf without any information or disclosure. I explained that I find this practice of sticking someone with a credit account, especially when I was not applying for credit or even informed that this is the method used by XXXX  to be fraudulent. I explained that I have total distrust of XXXX at this point and do not want any business with XXXX let alone Fortiva. It appears to me that both companies use this method of practice to extend credit, without full information or disclosure. 
The Billing statement sent by Fortiva requires a payment for XX/XX/XXXX. I have expressed to them that I can not honor the bill because I never applied to Fortiva for credit. Fortiva is now harassing me for payment via text messages reminding me of the payment due and the late charges to be added if not paid by the due date. 
A cancellation request was made with XXXX on XX/XX/XXXX and instructions required were followed to have the account cancel and for XXXX to arrange equipment pick-up. I was told there is a waiting period of 3 to 5 days for the cancellation team to respond and act on my request. I was also informed that any refund due will be returned to me and that XXXX would cancel out the transaction with Fortiva. I believe XXXX XXXX Fortiva have violated my rights as a consumer in their manner of business and am requesting full protection under law with this matter. Thank you.

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