Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Exto Inc.
State: OK

Complaint narrative:
I am filing this complaint against Atlas Credit Card because the company misled me about when I could pay, repeatedly attempted payment earlier than promised, caused bounced payments/fees, then locked my account so I could not use it or bring it current, and is now reporting the account as closed with a balance while ignoring my attempts to resolve the issue. XXXX years ago, I signed up for an Atlas credit card after seeing their advertisement be approved or get {$50.00}. I was denied and not given the {$50.00}. I called to complain and they approved me all of a sudden so they would not have to give me the {$50.00}. A few months ago, I contacted Atlas because I live paycheck to paycheck and am currently homeless. I explained that I could not pay until the end of the month when I got paid. Atlas representatives told me I would be allowed to pay the bill at the end of the month. I relied on that promise. I later learned that Atlas apparently had a policy requiring payment as you go, but that was not clearly explained to me at the time of signup and have paid at teh end of the month every month for almost 2 years. Despite the promise that I could pay at the end of the month, Atlas charged me the next day. That payment bounced. I called Atlas again and explained the problem. Again, I was told I could pay at the end of the month. Again, Atlas charged me the next day anyway, causing another bounced payment/problem. I then called and made it very clear that I could not pay until I received my paycheck and that I was homeless and living paycheck to paycheck. Instead of working with me or honoring what their representatives told me, Atlas locked my account. Because the account was locked, I could not use it, but I also could not properly access the account to pay or resolve the balance. Now Atlas is reporting the account as closed with a balance, even though their own actions prevented me from resolving the account after they repeatedly gave me incorrect payment information. I have tried contacting Atlas multiple times to resolve this. They have ignored me. I have also filed XXXX prior CFPB complaints, and Atlas has ignored those as well. I dispute the balance and the negative credit reporting because Atlas caused this situation by : Promising I could pay at the end of the month ; Charging me the next day anyway ; Repeating the same promise and same early charge after I called again ; Locking my account so I could not properly pay or use the account ; Reporting the account as closed with a balance while refusing to communicate or correct the issue. This conduct is unfair and deceptive because Atlas made payment promises that were not honored, took payment action inconsistent with what I was told, and then penalized me for the resulting bounced payments and account status. I am not refusing to pay a legitimate balance. I am asking Atlas to correct the harm caused by its own misleading statements, unauthorized or premature payment attempts, account lockout, and failure to respond.

Company response to consumer: Closed with explanation