Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XX/XX/XXXX received a bill in the mail from XXXX XXXX fortiva account in the amount XXXX Bill stated it was due on the XX/XX/XXXX, even though I received it on XX/XX/XXXX. Payment was made in the amount of {$60.00}. No bill or email statement was sent prior to XX/XX/XXXX or any previous month. 
XX/XX/XXXX received bill in the mail with a statement stating that I owed XXXX the {$60.00} previous statement had a {$30.00} dollar late fee and only {$30.00} dollars was applied to the balance. I called customer service at fortiva to then complain how can you charge me a late fee if i get the bill 2days after its due?. I was told " at least you got it in the mail '' and the fees can not be removed and I wanted to close the account immediately. I wanted to speak to a supervisor and was told that wasn't possible. I immediately wanted to complain and could not over the phone and told me I could close the account at XXXX XXXX. So the next day XX/XX/XXXX I went to XXXX XXXX   in XXXX XXXX florida to speak to a manager. The manager on duty told me he would call and get back to me, 3 days went by and no call. I go back to the store spoke to a new manager and told him I wanted to close the account and did not want to be charged anymore fees and would pay off the {$220.00} balance immediately. He said no problem and he would take care of it. Have not heard back from XXXX XXXX manager since and now XX/XX/XXXX fortiva has charged me {$90.00} in fees and {$80.00} in interest, I have not received a bill since XX/XX/XXXX. 
XX/XX/XXXX I call fortiva and im told I have to pay XXXX on a now closed card and that they will continue to charge me fees and interest, I offered to pay the previous balance after explaining to them what has been happening even offered to pay the balance including the 3 late fees to close the account totaling {$310.00} and refused me saying they can only accept the {$400.00} dollars and until its paid it will keep incurring fees.I have made several attempts to get this sorted and can not believe this is a real company. I have requested the phone recordings and feel like i'm being extorted. No one at XXXX XXXX  can help me. XXXX is the email they gave me and was told someone will be contacting me. In XX/XX/XXXX I realized that this company was bogus and wanted to cancel the card before it got out of control. My original available balance on the card was {$500.00}, the card was closed before the 90 days of non payments agreement as well. The current balance of XXXX is well under the card limit, I also brought that to their attention. I was told they closed my account in XX/XX/XXXX and I had no notification. That was 60 days after my last payment well before the company 's policy. Im working very hard to improve my credit and absolutely regret dealing with this company. This is absolutely extortion style tactics, especially since ive made so many different attempts to rectify this situation.

Company response to consumer: Closed with explanation