Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX, after review of my bank statement as I often do, I noticed a transaction in the amount of {$58.00} from a Retail Credit Card Company called Fortivia. At that time, I was away in XXXX Texas on vacation, so I waited until I returned home to figure out what and why was I being billed for a credit card that I did not have in my presence no a credit card I know I did not apply for. Once I returned home, I received a paper statement that showed the {$58.00} being drafted from my bank account. I proceed to call this Fortivia Company, and they explained that I was being billed as a 3rd party of XXXX for the equipment for an alarm system that was installed in my home on XX/XX/XXXX. I explained to the representee that how I am being billed from a credit card that I never applied for and also for equipment that the salesperson XXXX ' said that I did not have to pay absolutely nothing for as long as I advertise for XXXX  by having the yard sign on my lawn and also make referrals. the Fortivia rep said that I could call XXXX to cancel the services, and they would refund all payments and close the account. I called XXXX to close the account due to their salesperson fraudulently open a credit card account without my consent and giving false information in order for me to agree to having system placed in my home. The rep from XXXX said I needed to reach out to my salesperson which I had already done before calling XXXX and how ironic the salsas person phone all of a sudden not in service. I also check my credit report, and they have already had this card that still to date I do not have in my possession on my credit report. 
I am asking for help to close the XXXX account and the credit card closed and removed from my credit report. I feel Fortivia and XXXX are working together to underhandly open credit card accounts in people 's names without them knowing or giving them consent. I know that i could close my bank account and re-open but that would basically create problems on my credit report which I am very mindful of and this is why this is so upsetting for me, for this salesperson from XXXX to pull a scam such as this to get business for the two companies. Now I'm getting the run around from XXXX to cancel service and have them come to retrieve the equipment so that Fortivia can close the credit card account, and I can move forward. 

I would appreciate any help or information to help me resolve this issue as soon as possible. Thank you in advance Also there was no paperwork given and or signature required. This is not my 1st time being a customer of XXXX, hadn't done business ith them in years. In all the alarm companies I've used in the 20 years I've live here none of them did credit cards for the equipment, the payment was one payment for everything. XXXX XXXX XXXX salesperson was good at stealing information and giving false information and I want charges filed for fraud.

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