Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Fortiva has responded to my complaints They claim that the accounts are paid and closed I have all the records showing this. 
I have contacted the XXXX XXXX XXXX and fortiva asking why I am showing balances on my statements. 
They have not closed any of the accounts and they are still reporting to the credit agencies that these accounts have balances. 
What are my next steps? 
I have paid all.of the balances in full. They are adding charges that don't exist. They added XXXX dollars to an account with a negative balance of a XXXX and the statements is showing a payment due in 2 days? How do I handle this? Why is nobody stopping this corruption and manipulation. I did not use the retail card and it was paid in full. This company says on the XXXX I owe a payment of XXXX dollars and if I don't pay it I will be charged XXXX. This account is XXXX The second account the claimed that is closed and paid is showing a balance of XXXX snd a payment of XXXX dollars coming up in a week. If I don't make the payment I will be charged XXXX XXXX? How is a credit card company legally getting away with lying and making up charges that don't exist. Why is nobody stopping this? The accounts are not closed. They are adding interest and late charges on accounts that should be closed and paid. I did all of this in the month of XXXX and fortiva will not close the accounts. If you go online you can see for yourself the hundreds of complaints that customers accounts remain open and get hit with charges! 
I don't understand any of this! There is nobody handling this. These accounts are not closed and the XXXX statements are not showing. I have contacted this company daily and these criminals do nothing and XXXX XXXX XXXX  doesn't care. Is this what credit card companies are allowed to get away with. When does this madness stop! I need somebody to stop them from doing this. Please someone must contact Fortiva! They should be shut down. They have made up charges and lied about payments. This company should be shut down for this type of abuse on customers. This has been going on since XX/XX/XXXX snd I can not handle it anymore. Since when does a credit card company get to make up fake credit reports and falsify information and send it to a credit agency. Is anybody listening? Does anyone even care how this company is literally ripping me off. I have everything. Every payment and evidence of fraud committed kn them changing a payment directly from the Bank The company has sent you lies! They have done nothing they have said in their responses. Here is what is showing as of today. 
The statements prove the accounts are not closed. 
Fortiva has lied several times to Cfpb and the customer service does nothing They replied the accounts are closed and paid. 
The following documents prove there open and new charges were added! 
But the charges don't exist because the accounts have been paid off. Added are all my payments in the month of XXXX to pay everything off. Included they literally changed a payment amount and used it for a different account and I have proof from the Bank that this occurred.

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