Credit card -- Problem with a purchase shown on your statement -- Complaint #11842024
Complaint Overview
Complaint ID: 11842024
Company: Atlanticus Services Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: New Jersey
ZIP Code: 07307
Date Received: 2025-01-29T12:00:00-05:00
Date Sent to Company: 2025-01-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I made a payment to XXXX XX/XX/XXXX for {$100.00}, my due date for this card is the XXXX of every month. The minimum payment is {$56.00}. I satisfied my financial obligation to the card before the due date. I also made a 2nd payment XX/XX/XXXX for {$150.00}. Today my bank account had an unauthorized withdraw for {$190.00} from XXXX, causing my account to be overdrawn. When i called XXXX i spoke with a lady XX/XX/XXXX/2025 between XXXX to XXXX. Who tried to tell me the payment was authorized because of an automatic payment that was scheduled. I informed her that the automatic payment would've took place on the XXXX when it was due, NOT the XXXX. She than told me that the amount of {$190.00} was the amount I owed as a minimum payment. Which i corrected her and said the minimum would be {$56.00}. She lied to me twice about this unauthorized charge. They told me to call my bank to stop the charge, my bank told me to call them to stop the charge and I didn't authorize it. My bank statements show ALL my authorized charges under XXXX XXXX XXXX " XXXX ''. This charge just says XXXX XXXX XXXX. So, no electronic payment was authorized, no consent was given, no annual fee. Nothing but an unauthorized charge forcing my account to go negative and their uncooperative staff and deceptive talk track UNWILLINGLY agreeing to stop payment and defending the unauthorize charge as if they thought I didn't know my own financial instruments. They said they would have a manager call me. They didn't call me. They stole {$190.00} from my account without my consent or authorization and tried to justify the charge unlawfully violating The Electronic Fund Transfer Act ( EFTA ) of 1978 ( 15 U.S.C. 1693 et seq. ) preventing credit card companies and other financial institutions from withdrawing money from your bank account without your authorization.
Frequently Asked Questions
What is Complaint #11842024 about?
Complaint #11842024 was filed against Atlanticus Services Corporation regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-01-29T12:00:00-05:00.
How did Atlanticus Services Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Atlanticus Services Corporation?
Yes, visit the Atlanticus Services Corporation company profile at readthecomplaint.com/company/atlanticus-services-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.