Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: KY

Complaint narrative:
On XXXX, XXXX XXXX  I attempted to make a {$350.00} payment to my XXXX  credit card that I had used only 3 times. When I made the payment I checked the statement and it stated that credit card was at a balance of {$900.00} before my payment was submitted. When I checked the statements for the card I saw that there were 10-15 charges from companies I had never visited before and when I reached out to the customer service department the first agent stated after I explained all of the charges on the credit card to the agent he stated that I should not have spent all of the money on the card if I did not understand how it works Then the agent hung up on me. After that I tried to call the agency one more time and the next representative was asking about the charges on the card and when I tried to explain that only 3 charges made on the card were authorized she interrupted me and would not allow me to explain the situation the agent then transferred me to a representative who was with the account management department. The gentleman that answered the phone had me verify the information on my account and then asked me how could help. I then explained that all but 3 charges on the credit card statement were fraudulent charges and when he asked how I knew the were fraud charges I explained that to the best of ability I only received the card at the end of the month. The agent asked me how I knew I only had the card towards the end of the month and I explained that I had used the card towards helping my daughter with her car payment. The agent then stated that he had spoken with someone on my phone number that was told about these charges and had accepted them. I explained that I had not spoken to them about the unauthorized charges as I was unaware of them. The agent then informed that I had activated the card on the XXXX of XXXX and then again asked me about charges that I told him I did not make. He then went on to tell me that even tho the charges were reflecting companies scattered throughout the US this did not mean that I been to those locations but that the card was used online I understand and explained that I had not used the card on any website and when I asked if he could see what websites the charges were from the agent stated that isnt his job. He then stated that he had opened a fraud report on the charges that I had told him about. I requested documentation of the report he stated he was going to be filled to be sent to my email associated with the account and the agent said it would be sent by mail and that they do not send that documentation via email. I asked if this information would be available on my account to view and the agent said that it should be. Upon completing the call I checked the account and there was no information regarding the conversation or the fraud report he had stated he had submitted.

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