Credit card or prepaid card -- Getting a credit card -- Complaint #6813560
Complaint Overview
Complaint ID: 6813560
Company: Atlanticus Services Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Sent card you never applied for
State: Michigan
ZIP Code: 48187
Date Received: 2023-04-08T12:00:00-05:00
Date Sent to Company: 2023-04-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received an alert from XXXX XXXX XXXX and XXXX on XXXXXXXX XXXX,2023 that I opened a new account and it affected my credit score. I checked and saw that a credit card was issued by Fortiva without my consent. I already had retail credit with Fortiva for my XXXXXXXX XXXX for my home ( not my choice-this was the creditor I had to use when I set up XXXXXXXX XXXX for my home ). I never applied for a credit card with Fortiva. I did receive many emails offering a credit card by Fortiva but I never responded to their offers. I always ignored the emails unless it was the emails letting me know that my monthly charge for the XXXX account was being automatically deducted from my bank account. I did call Fortiva right away and then know what they did was not right and it has terribly affected my credit score. The rep knew how upset I was from letting him know that I never consented or approved them opening a major credit card. He apologized and closed the credit card account and told me to shred the card when it arrives. The Card arrived the next day on XXXX XXXX2023 so I shredded as advised. This has greatly damaged my credit score which I spent years getting to the excellent status it has been before this incident.
Frequently Asked Questions
What is Complaint #6813560 about?
Complaint #6813560 was filed against Atlanticus Services Corporation regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2023-04-08T12:00:00-05:00.
How did Atlanticus Services Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 or prepaid 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.