Atlanticus Services Corporation

I have to tried to reach to imagine creator card for past 6 months. I have requested statements and letter of opening of this account they continue to tell me they will send it and never have. I did not open this account and keep reporting it and creditor is not responding no its affecting my credit

I am submitting a complaint regarding a {$99.00} annual fee charged to my credit account on XX/XX/year> with XXXX XXXX My account was transferred them on XX/XX/year>, from XXXX. I have had this account for approximately XXXX year and previously paid an annual fee during that time. However, despite the account transfer earlier in the year, I did not receive any advance notice or reminder that a new annual fee would be charged on XX/XX/year>. Within a few daysof the fee being applied, I contacted customer service to request a courtesy waiver or refund, as I decided to close the account and no longer continue the relationship under the new company. My request was denied, including after escalation to a supervisor, based solely on company policy and the fact that I had paid an annual fee the prior year.…

The guy from unifin debt collection called while I was driving we discussed payment options and I told him all I could afford was XXXX a month. He proceeded to ask me why and what my financial status was. I explained my debt to him and explained I had to get a new car because my other one was totaled explained to him I was a XXXX person income taking care of XXXX people he proceeded to say he also was a XXXX person income taking care of his family and then asked my finances and when I said my car was XXXX a month he proceeded to say mmm I think thats a bit high like I was lying. He was very rude and I also started recording the call so I could go back on it to make sure I didnt miss our agreement. When he asked my bank info I told him I was driving and could not access that could he please call me in XXXX mins.…

The customer did not authorize fraudulent promotional interest charges of {$2200.00} to the account. The customer requested XXXX to submit purchase contracts for proof of {$2200.00} charged on this report and debt valuation.

We do not have, nor have we ever had an XXXX Credit Card. XXXX XXXX XXXX began sending us notice of collection in XXXX of XXXX. I sent a Cease and Desist letter stating this was not my debt and I had never has an XXXX Credit Card, yet they continue to send debt collection notices. The latest notice of collection was sent on XX/XX/XXXX.

I have not supplied proof under the doctrine of estoppe by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, you are required to investigate this dispute within XXXX days of receiving this letter. If the information can not be verified, it must be promptly deleted from my credit report.

Credit card was opened in my name with an address I never have had XXXX XXXX let someone open an account in my name. It happened with several other credit card companies. They all removed it from my credit, but this company refused to. They just tried to extort money from me the same as XXXX XXXX XXXX is doing.

XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX Atlanticus Services Corporation Attn : Fraud & Disputes Department XXXX. XXXX XXXX XXXX, GA XXXX RE : NOTICE OF IDENTITY THEFT, UNAUTHORIZED INQUIRIES, AND DEMAND FOR IMMEDIATE ACCOUNT CLOSURE To Whom It May Concern, I am writing to formally dispute fraudulent activity on my credit profile associated with your institution. I am a victim of identity theft. A perpetrator has compromised my personal identifying information to fraudulently seek and potentially obtain credit, goods, and services under my name without my knowledge or consent. Specifically, I have discovered the following unauthorized hard inquiries on my credit report initiated by or through XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1.…

I had got a credit card through XXXX. I had not activated the card, but got charged fees. In the credit information that came with the card, it blatantly says if card is not activated and I did not make a pament i would not be responsible for fees. I talked to the company and told them this is stated, and I got a whole run around and told I would get a link to scan by computer and send. I was talking to someone for over 4 hours cause they kept saying I have to look over your account. I still have never received the link. They said it would be a few days, so in turn this is gon na make me pay because my bill is due on XX/XX/XXXX, and by paying I am agreeing to use the card, which I do not want because the fees are to high. I do not know why this is next to impossible when applying for the card I was never told if approved or not ; it just came in the mail. I am having a hard time getting this resolved, but I have it in black and white stating i do not owe if I reject the plan.…

First, this is not a duplicate complaint. He has not re opened my account according to the Americans with Disabilities Act. I asked XXXX to refund me. He offered several plans. I paid the plan and he closed the account. Times are difficult, now a days, I need a check for the {$120.00}, for the payment last month, if he can not re open the account. He can mail a check. I have to get a bus pass, medicine and other necessities. It would be nice if I could reuse the low balance card. Why does he want to ruin my credit score? I do not want die of malnutrition or risk getting attacked walking the streets. This company is not being fair. I am disabled.

In XX/XX/XXXX, I submitted a fraud/identity theft dispute to XXXX Credit Card disputing approximately {$450.00} in unauthorized charges. I have since provided supporting documentation including an FTC Identity Theft Report, affidavit of theft/fraud, a witness form from local police, and copies of communications. No decision was made on this dispute until XX/XX/XXXX, well after the required timeline. FCBA Violation Failure to Investigate Within 30 Days : Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), XXXX is required to acknowledge my dispute within 30 days and complete its investigation within XXXX billing cycles ( not to exceed 90 days ). As of XX/XX/XXXX more than XXXX months after my dispute was filed XXXX confirmed after many phone calls that no resolution had been reached and no substantive investigation had been completed. This is a clear and documented violation of the FCBA 's mandatory timeline.…

The company refused to appropriately adjust the bill, and was notified today XX/XX/year> that the bill needs to be a-justed in order to make the proper payment and they advised me that there was no need to go any further, and hung up the phone.

I am filing a formal complaint against XXXX XXXX XXXX ( issued by XXXX XXXX XXXX XXXX ) for deceptive accounting practices and the unlawful withholding of a merchant credit balance refund. Following the formal cancellation of a home security hardware contract with the merchant XXXX, XXXX issued a full merchant account reversal to XXXX to close out the loan balance. On XX/XX/year>, XXXX XXXX XXXX sent me an official confirmation email explicitly stating : " Our records indicate that your account holds a credit balance of {$2600.00}. We have forwarded your refund request to the concerned department. '' XXXX instructed me to submit a formal written request via email to cut a physical check for this balance, which I promptly did. On XX/XX/year>, XXXX processed a series of six automatic payment reversals totaling {$280.00} back to my personal debit cards.…

In XXXX I buy a recliner at XXXX XXXX XXXX for {$700.00} i used the store card to pay for the chair, anyway this chair was damaged so I reported the damaged the store came and took the chair so I took another chair for less priced which is {$390.00} now on the first chair the bank charge me {$780.00} plus annual fee on the first chair I told the bank I don't have the first chair so I have a different chair for less so why are still charging me for the first chair I'm so upset with XXXX XXXX XXXX and also there bank XXXX XXXX XXXX i just want my money back and they can come and take their c

XXXX XXXX XXXX XXXX XXXX, GA XXXX c/o Account Services Dispute Resolution Unit Attn : To Whom It XXXX Concern : I am writing this letter to inform you of a concern on my XXXX XXXX bank account. I had made a payment of {$150.00} ( which would satisfy my past due amount of {$120.00} to keep me current not past 30 days due by XX/XX/XXXX ) on XX/XX/year> by contacting by Bank ( XXXX ) to use their Bill Payment system to complete the payment. I was able to reach an agent, who confirmed to me that the payment was processed and provided me with a reference number as a record. Unknown to me, the agent did not complete the request, and as a result the bank did not process my payment to your company. I found this out when I received a credit alert on XX/XX/year>, and immediately made payment arrangement for {$150.00} which was provided by XXXX as part of their Payment Re-Age offer scheduled for XX/XX/year>, and then contacted my bank to discuss the issue and find out what happened.…

I am filing a formal complaint against XXXX XXXX XXXX regarding an account used to finance a " XXXX XXXX '' service package at Ideal Image.This loan has been paid and I have all original contracts and receipts.Ideal Image has completely shut down its corporate operations, permanently closed its clinics, and completely breached its contract. As a result, the lifetime services I paid for have been permanently terminated.Under the Federal Trade Commission ( FTC ) Holder Rule ( 16 C.F.R. 433.2 ), which is explicitly incorporated into consumer credit contracts, XXXX the holder of this consumer credit contractis strictly liable for all claims and defenses that I could assert against the seller.…

Dispute Letter : Hardship Protection Not Applied/ Improper Late Fees XXXX XXXX, Customer Service, XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Dispute Failure to Apply Credit Protection / Improper Late Fees/ Inaccurate Reporting To Whom It May Concern, I am formally disputing the late fees and late payment reporting on my account. I was explicitly informed that credit protection/hardship protection was active on my account during the period in question. During this time, I was medically unable to work and was in and out of a leg cast. I am only now returning to work. Despite this, late fees were added and negative information was reported. Additionally, when I requested corporate contact information to resolve this matter, your representative refused to provide it, which is a violation of federal consumer communication standards. Under the Fair Credit Reporting Act ( FCRA ) and CFPB Servicer Communication Rules, I am requesting : XXXX.…

I have found on my credit report that an inquiry was done with my credit information. I have never attempted to get a credit card with this company.