Consumer complaint received 2025-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
In XX/XX/XXXX, I was approached by a XXXX XXXX XXXX representative who sold me a XXXX XXXX XXXX financed through XXXX XXXX XXXX. The representative misrepresented the terms of both agreements. He told me the cameras were XXXX each. He informed me that I would receive my contract within 7 days with payment details. He told me I would have 30 days to cancel the service and never disclosed that the total cost would be expected to be a little less than XXXX. On XX/XX/XXXX I received mail contract documents from XXXX  and was alarmed that the loan was {$4000.00} ; I called them immediately, they informed me until the debt was paid I was also responsible for an additional XXXX per month to XXXX  to monitor the equipment which put the total repayment including XXXX over XXXX. 

When I learned the actual cost, I contacted XXXX immediately to cancel. I was told I had already passed the cancellation deadline. I explained that the representative had lied and misrepresented the terms, but the company refused to release me, stating that because I did not have a video of the conversation, they would not investigate further. 

Over the past year, I have made roughly {$2000.00} in payments, but my XXXX  balance has only decreased about {$170.00} due to fees and interest ; due to the agent enrolling me in a credit protection plan which was the exact same cost as the repayment cost meaning I was actually repaying the ONLY debt contract XXXX! 

On XX/XX/XXXX during a neighborhood incident I was able to speak to my neighbor who enrolled with XXXX the same day as I did. They informed me they were able to get out of the contract because they had the agent on camera. He said all the same things that I said, the identical misrepresentation, recorded it on video, and XXXX allowed them to cancel their contract once the video was provided. 

XXXX had notice and did not terminate the employee. 

This proves XXXX is aware that the representative committed misrepresentation and fraud, yet they continue to hold me to the contract despite identical circumstances. This is unfair and deceptive treatment. I have since contacted them and explained all of this and they stated " the neighbor had a video, you didn't '' and refuse to let me out of the unethical contract. 

This was after three agents in the department who process refunds simply hung up on me mid sentence with one saying " we don't care ''. 

I contacted XXXX  since the loan is with them and the ONLY contract I signed was with them and they stated " we will not terminate the policy regardless of the conditions it was entered under ''. I explained I am 100 % XXXX and make only XXXX a month, that these obligations eat the remaining balance and I have lost XXXX lbs in the past year. 

I have received ZERO empathy, compassion or ethical understanding with either XXXX  and ESPECIALLY XXXX. XXXX  was absolutely defiant and unwilling to listen to me.

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