CLGF Holdco 1, LLC

I am reporting unauthorized transactions on my account that occurred between XX/XX/XXXX and XX/XX/XXXX. During this period, multiple charges were posted to my account that I do not recognize and did not authorize. These transactions occurred at various merchants in XXXX, XXXX and include gas stations, grocery stores, retail stores, restaurants, and online charges. Individual transactions ranged from small amounts ( approximately {$2.00} {$15.00} ) to larger charges ( up to approximately {$140.00} ). Examples of unauthorized charges include but not limited Unauthorized Transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX…

Read full complaint at CFPB →

I paid off my Milestone Credit Card on XX/XX/year> and I over paid by {$350.00} and so I called and they acknowledged the over payment and said they would send me a check within 4 days. A week later still did note receive the check so I called back on the XXXX and they now said it takes XXXX! days to process and 45 days to send the check. This is unacceptable as they electronically took the payment from my bank account, they should electronically reverse the payment. They also are not paying any interest on the funds, even though it will take up to 2 months. This is unacceptable.

The most upsetting part of this entire situation is how I discovered that XXXX XXXX XXXX had continued charging my credit card after I had already requested that my policy be cancelled. Several months after my cancellation request in XXXXXX/XX/XXXX, I attempted to use my credit card to pay for my daughters XXXX. As any parent can understand, medical situations involving your child are already stressful and emotional. At that moment, the last thing I expected was to encounter a financial issue related to a service I believed had already been cancelled. To my shock and embarrassment, my credit card was declined when I attempted to make the payment. I was immediately confused because I had not anticipated any issues with my card. As a parent trying to handle an important medical expense for my child, this was an extremely stressful and upsetting experience.…

Read full complaint at CFPB →

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Concora Credit XXXX XXXX XXXX XXXX, NC XXXX Attn : Compliance / Customer Relations To Whom It May Concern, I am writing to formally dispute the continued assessment of fees and to demand corrective action regarding my Concora Credit account ( account ending in XXXX ). On XX/XX/year>, this account was paid in full in the amount of {$1200.00}. At that time, I explicitly requested that the account be closed. Despite this request, the account was not closed as instructed. I have since made multiple additional requests to have the account closed, all of which have gone unfulfilled. As a direct result of Concora Credits failure to close the account per my request, fees have continued to be assessed improperly. These charges are not the result of consumer inaction, but rather the failure of your organization to execute a clear and documented closure request.…

Read full complaint at CFPB →

I recieved a credit card offer in my email for an indigo mastercard through concora credit and it said no fees for the first year and it didnt state what the fees were for the following years. After applying and receiving the credit card. I got a statement saying I had a {$250.00} balance for fees. I tried contacting them a couple times and finally reached someone now that I owe XXXX plus a late fee even though I havent made a single charge. I told them {$250.00} is ridiculous and the 2nd year is even worse. They lied and said it was only {$99.00} for the 2nd year when its actually $ XXXX {$99.00} for the second year. Right before this it says that I can reject the plan if no charges have been made and no fees have been paid. They refuse to take off the fees and cancel the card.

I am filing a complaint against Concora Credit regarding my Destiny Mastercard account. I believe the terms and structure of this account are predatory. I have a credit account and am required to make minimum payments of {$40.00} per month. However, I am being charged a {$9.00} monthly fee along with approximately {$10.00} to {$11.00} in interest each billing cycle. As a result, a significant portion of my payment is applied toward fees and interest rather than reducing the principal balance. For example, in a recent billing cycle I was charged a {$9.00} monthly fee and {$10.00} in interest while making a {$40.00} payment, which results in little to no meaningful reduction of my balance. Based on my income, this structure creates a financial burden and contributes to a cycle of debt. I pay approximately {$2000.00} per month in living expenses, and the current terms make it difficult to manage this account responsibly.…

Read full complaint at CFPB →

I am filing a complaint against Concora Credit regarding my Indigo Mastercard account. I believe the terms and structure of this account are predatory. I have a credit limit of approximately {$500.00} and am required to make minimum payments of {$40.00} per month. However, I am being charged approximately {$14.00} in interest each billing cycle, and a significant portion of my payment is applied toward interest rather than reducing the principal balance. As a result, instead of paying off a {$500.00} balance, I would be required to pay approximately {$580.00} due to interest charges. This makes it difficult to make meaningful progress on the account, even when making payments. Based on my income, this structure creates a financial burden and contributes to a cycle of debt. I pay approximately {$2000.00} per month in living expenses, and the current terms make it difficult to manage this account responsibly.…

Read full complaint at CFPB →

Nothing happened they kept increases the fees every week and then sent a wage garnishment to my job and it was processed. When I looked at the first complaint they stated to CFPB were still working on it as of XX/XX/year>.. They told the untruth.. I filed a previous complaint against them. I had previously closed the account when I was out of work and could not afford to pay XXXX XXXX

XXXX, I close the account on XX/XX/XXXX and I recorded the phone call because I had noticed they had tried to charge me an annual fee of {$99.00} so the management that I talked to told me that once the annual fee and my payment and pending charges that I had left to clear were all done. My remaining balance that I owed them would be {$200.00}. XXXX dont hold me close on the change cause Im not 100 % on that I do remember the XXXX XXXX my final bill was XXXX which was {$73.00} higher than I was assured XXXX then the company has blocked me access to my account online and thats the only way that I have ever paid my bill and the only way that I have ever been able to look at my pending charges and my current charges. XXXX didnt they turn around after they block my access and they have reported to the credit bureau that Im late making my payments because I cant sign into their Internet Ive got screenshots proving that Ive got recorded phone calls for the day. I closed the account.…

Read full complaint at CFPB →

I had a Destiny credit card ( XXXX ) for XXXX years to help rebuild my credit. It was for the bulk of that time a yearly fee but my credit improved and then they started charging not only a yearly fee but added a monthly fee. In XXXX I requested they close my account and refund me the yearly fee as a check for the next year which had already been charged. The closed the account and did refund the amount but to the closed account. I sent a new letter in XX/XX/year> asking again for a check to be issued, no response. XXXX I sent an email to customer service stating again the check wanted for the credit, no response. As of today XX/XX/year> they have wiped that account clean and zeroed it out without issuing me the requested check. In addition to that they have flipped another account to the same yearly and monthly fees which again I will need to close because I have no need to be paying for a card now that my credit is up.

I have been inundated with continual request to " apply '' for their credit card. I have unsubscribed and blocked their contact numerous times for over XXXX months. Today, XX/XX/year>, I contacted their customer service. Ironically, the pre recorded information states " we are a debt collection company '' ; however, I thought they were a credit card company. I spoke with a Rep and advised that I wanted them to cease their relentless pursuit of me via email to apply for the Indigo Mastercard. The Rep placed me on hold an advised that she could not do anything to assist me. I just can not get them to stop. I am going to write to Indigo vs. trying to " unsubscribe '' again as that has not worked. I doubt nothing will stop this intrusion unless your office sends them a direction to cease communicating with me. The Rep advised they were located in XXXX XXXX however, the address on the email states I can write them at an address of : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

I called because I received a letter stating there was identity theft against the credit card I have with Indigo Mastercard and I told them I never claimed identity theft against this card. All they did was add a note stating I denied the claim against this card and they closed the card without telling me they closed it, I was told that there was a hold on it and it would be lifted in XXXX business days, and they issued a new credit card for this account which I noticed it was different when I checked my account in their app, and I called and was told that the credit card I have in my possession can not be used and they issued a new card but they said they can not send me the new card because of this so called identity theft claim. I do have an extended fraud alert on my credit reports due to previous identity theft from XXXX and XXXX.

The Milstone Card Breached the Contract, changed lender to Concord Credit in XX/XX/year>. More than {$150.00} was taken from my balance on XX/XX/year> after I was Charged a late fee for scceduled auto payment that Concord dis not accept, It is possible it was paid manually the same day it was due. My money was not returned for months, fees were added to my balance that reflect on the past due balance. Concord never corrected the balance. I was Charged back checks that I did not agree on in the original contract. Concord still owes me money they never repaid from their original error changing lenders. Additionally Concord Breached the Contract Agreement, Concord has not closed the account in three month of Delinquency. Concord illegally change the terms and conditions causing more debt. Concord credit did not accept scheduled payments that resulted in increasing my debt with back checks.

Loss of job XX/XX/year>. XXXX XXXX, aka XXXX XXXX XXXX has been made aware of the ongoing issue with the State of XXXXXXXX XXXX and the circumstances surrounding my separation from the employer. Photographic evidence was presented by fax to both CC Company and the State of XXXX showing evidence of my innocence, and CC Company insists that the State of XXXX must change its appeal before it can grant benefits. The CC Company is ignoring evidence of employer wrongdoing uploaded to them and stalling on benefits. State of XXXX XXXX in the appeal process with the same evidence. CC Company knows this and has already made a pre-determined decision to deny benefits per the paper they requested from the State of XXXX. CC Company violates the Fair Credit Billing Act ( FCBA ). CC has repeatedly contacted me to inform me that my evidence is not good enough until the State of XXXX clears me of any wrongdoing.…

Read full complaint at CFPB →

I am submitting this complaint regarding unauthorized account access, mishandling of a fraud investigation, improper reversal of legitimate charges, and resulting financial and credit damage involving my Concora Credit ( Indigo Card ) account. I opened this account in XX/XX/XXXX and maintained it in good standing through XX/XX/XXXX. On XX/XX/XXXX, I received notification that my mailing address had been changed. I did not authorize this change and immediately reported that my account had been compromised. Despite this, unauthorized changes continued, including changes to my email address and phone number. I was repeatedly locked out of my account and unable to regain access because I did not receive a replacement card and could not verify account details. This is documented in my communications, including my XX/XX/XXXX message stating that my account was compromised, my information was being repeatedly changed, and I could not access my account.…

Read full complaint at CFPB →

I paid off my XXXX XXXX credit card on XX/XX/year>. I called them to request a decrease in their XXXX XXXX XXXX and no monthly fee since I paid off the account. I can't close them because it will affect my credit score. They disapproved both requests. So, I have to pay a monthly fee for something im no longer using, which shouldn't be.

The monthly fees are being added the day that it is due. My annual fee was posted to my account after paying it on the XXXX of XXXX I logged back into my account on the XXXX of XXXX and now shows that a monthly fee is owed and was due on the XXXX of XXXX. That fee was not there when I paid the annual fee. I contacted the company and spoke to XXXX who said that I didnt have a balance but he couldnt confirm why the bill shows due the same day it was posted. I know that this is illegal and want milestone/XXXX credit to correctly bill customers with due dates that are accurate and not due the same day on my account because as it looks like on their app I am late and the fee was not on my account prior to the XXXX of XXXX

I had a recommendation from XXXX XXXX about this Indigo Mastercard. The advertisement that Indigo ( Concora Credit ) had touted a " large '' credit limit, which is the only reason I applied for it. I was approved instantly, but no terms were given. I didn't know the amount or fees associated with it. When I finally received the card with limit and fees information ( that should've been given during the time of the application ), I called them and told them I didn't want the card and that they should give people the information up front so that people can make informed decisions about whether or not to apply. I would not have applied if I knew it would be a {$500.00} card with a {$120.00} annual fee. I never activated the card, and it showed up on my credit report. When I spoke with them, they told me they would take care of it. Then, they closed the account that should have never been opened with deceptive practices and it now looks like I closed an account, dropping my credit score.…

Read full complaint at CFPB →

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : [ XXXX ] ( XXXX : XXXX ) Date : XX/XX/year> Subject : Request to Close Indigo Mastercard Account and Resolve Balance To Whom It May Concern, I am writing regarding my Indigo Mastercard account. After reviewing the interest rate, annual fees, and other charges associated with this account, I believe the structure of the account is deceptive and unfair to consumers. A substantial portion of the available credit was immediately reduced by fees, and the high interest rate combined with additional charges has made it extremely difficult to meaningfully reduce the balance. As a consumer residing in North Carolina, I believe the lending practices associated with this account may violate consumer protection standards related to unfair and deceptive trade practices. The financial impact of this account was not clearly represented in a way that allowed me to fully understand how quickly fees and interest would accumulate.…

Read full complaint at CFPB →

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : [ XXXX XXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/year> Subject : Request to Close Milestone Mastercard Account and Resolve Balance To Whom It May Concern, I am writing regarding my Milestone Mastercard account. After reviewing the interest rate, annual fees, and other charges associated with this account, I believe the structure of this account is deceptive and unfair to consumers. A substantial portion of the available credit was immediately reduced by fees, and the high interest rate combined with ongoing charges has made it extremely difficult to reduce the balance. As a consumer residing in North Carolina, I believe these lending practices may violate consumer protection standards related to unfair and deceptive trade practices. The terms and financial impact of the account were not clearly presented in a manner that allowed me to fully understand how quickly fees and interest would accumulate.…

Read full complaint at CFPB →

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Request to Close Destiny Mastercard Account and Resolve Balance To Whom It May Concern, I am writing regarding my Destiny Mastercard account. After reviewing the interest rate, annual fees, and other charges associated with this account, I believe the structure of the account is deceptive and unfair to consumers. A large portion of the available credit was immediately reduced by fees, and the high interest rate combined with ongoing charges has made it extremely difficult to reduce the balance. As a consumer residing in North Carolina, I believe these lending practices may violate consumer protection standards related to unfair and deceptive trade practices. The terms and financial impact of this account were not clearly presented in a way that allowed me to fully understand how quickly fees and interest would accumulate.…

Read full complaint at CFPB →

I opened a credit card account with Concora Credit and later discovered unauthorized charges on my account totaling approximately {$800.00} that I did not make or authorize. I first reported the fraud to Concora Credit on XX/XX/year>. Since that date, I have contacted the company multiple times by phone to report the fraudulent activity and request an investigation. Each time I was told the issue would be handled. However, after following up again recently, I was told by a representative that there is no fraud claim on file for my account, despite the fact that I reported the fraud months ago. It has now been approximately three months, and the company has failed to properly document or investigate my fraud report. I am extremely concerned about the fraudulent charges remaining on my account and the potential impact on my credit.…

Read full complaint at CFPB →

On XX/XX/year> I made XXXX payment in my XXXX credit cards XXXX with destiny and other with milestone on XX/XX/year> my card count was closed. I called on XX/XX/XXXX and was informed it was closed on XX/XX/year> that how I found that information. They informed me that it was a fraud alert and they closed it and. I told them I didnt issued any frauds or disputed any transactions iam in the XXXX and I needed the money to get through they told me they cant send me any information nor through email or mail. They told me to dispute the transaction. I called XXXX and they told me that there is no disputes on my account so I was confused so here I am writing a complaint because the credit card company wont issues me a statement or reason or refund the took over {$1000.00} dollars from me

I am submitting this complaint regarding late payment reporting on my Milestone credit card account issued by XXXX XXXX XXXX XXXX In XXXX I attended trucking school in order to improve my career and financial stability. During that time I was not working and had to rely on my credit cards to cover basic living expenses. This temporary financial hardship caused my account to fall behind and eventually become significantly past due. After completing trucking school and returning to stable employment, I paid the balance off with a lump sum payment and brought the account back into good standing. Since that time I have maintained responsible financial behavior and have not had any additional late payments. I attempted to dispute the late payment reporting through the credit bureaus but my disputes were denied.…

Read full complaint at CFPB →

I disputed late payments reported on my Indigo Mastercard account ending in XXXX issued by XXXX XXXX and serviced by Concora Credit Inc . The company responded to my CFPB complaint stating that the delinquency between XXXX and XX/XX/year> was reported correctly. However, they only referenced internal records and stated that billing statements were mailed and reminders were sent by email. They did not provide proof that billing statements were sent at least 21 days before the due date as required by federal law, nor proof of written notice of negative reporting. Because proper documentation was not provided, the late payment reporting is inaccurate and unverifiable.

Concora Credit Customer Service / Credit Reporting Department Subject : Formal Dispute and Demand for Removal of Inaccurate Late Payment Account : Destiny Credit Card ending in XXXX To Whom It May Concern, I am writing to formally dispute an inaccurate late payment reported by your company on my credit file for my Destiny credit card account ending in XXXX. First, the account had been closed, and the payment was made on time. Therefore, the reporting of a late payment is inaccurate and misleading. Second, your company is reporting this account under an incorrect name. My full legal name is XXXX XXXX XXXX XXXX, yet your records show XXXX XXXX, which is incomplete and inaccurate. Reporting under an incorrect consumer identity raises serious concerns regarding the accuracy and compliance of your reporting practices.…

Read full complaint at CFPB →

So, I recently opened a credit card with Concora Credit Indigo about 3 months ago. For the first month I paid my credit on time, and the credit reset the next day almost immediately. The past two months I have been either paying on time or paying earlier. So, I'm essentially never late on payment. However, I have been put at credit holds for the past two months and I can't seem to get an explanation why. Every time I call customer service and ask why that keeps happening, they just tell me about the date in which the hold be released. One month it was the XXXX and now this month I'm on credit hold till the XXXX. They also they have to do this in order to verify the funds. The funny thing is the credit would reset after I pay and it says XXXX available but then it gets taken away. They offer me no reason as to why this is happening so I can avoid these situations in the future. They essentially take my money and keep on hold for essentially two weeks.…

Read full complaint at CFPB →

I had financial difficulty between XX/XX/XXXX and XX/XX/XXXX after making a payment to bring my account current between XXXX and XXXX. I was charged an extra {$500.00} as a return fee, when I ask because it does not show on my statement where the fee came from, they said it was because of an auto payment that was made, and I was charged {$500.00} extra on top of my credit card limit because of the return fee, it does not make any sense considering by each time a payment was returned on an auto pay. I was only charged the return fee plus an interest when I asked for them to put it in writing. I have not received anything yet.

On XX/XX/XXXX I made a payment which was only supposed to be the minimum payment somehow turned i to a XXXX charge. I have contacted the company, filed complaints etc.... nothing has been resolved. I also made a {$100.00} over payment to which they refunded by check so why can't they refund the XXXX by check also. I only meant to pay the minimum due and they claim they can't reverse the payment. Why can't they mail me a check then. I won't give up! I want my money back. I need it desperately!!

I received a notice dated XXXX XX/XX/XXXX from Concora Credit referencing subject : XXXX The notice informs me that an application for a Destiny Mastercard Account ( issued by the XXXX XXXX XXXX ) had been denied, citing a low credit rating reported by XXXX I did not apply for this credit card, nor do I know Concora Credit, nor is my credit rating that which is reported in the denial form I called Concora Credit to report fraud though I am unsure whether they are themselves the source of the fraudulent activity. I indicated that I would be bringing this matter to the attention of the CFPB. I was asked to provide my full name, date of birth, and social security number and I declined to provide that information. I did confirm my name and mailing address ( which appears on the letter I received ) after they read both to me. The Concora agent indicated that the matter would be brought to the attention of their fraud department and that they would follow up with me by mail.…

Read full complaint at CFPB →

on XX/XX/XXXX, I had paid {$500.00} towards my credit card a week later on XXXX XXXX I had paid an additional {$120.00}. Recently I had looked at my account and they had added a {$900.00} credit to my account that I did not authorize. When I had checked the transaction history, there was no transaction of the {$900.00} and when I had checked my bank statements, it said that I had paid both the {$500.00} and the {$120.00}. I had called the credit company to dispute this and see if there was an error on their end and they had told me that my payments had not gone through even though they were both on the transactions and in my bank statement statements. I previously had issues with the bank giving away my information so I had to call my debit company to verify to pay the {$500.00} and the {$120.00}. Shortly after calling them, I went back to go look at my account to see if they had disputed the {$900.00} charge from them.…

Read full complaint at CFPB →

I disputed the late payment reporting on my Indigo Mastercard account ending in XXXX. In response, the company stated that minimum payments were not received for the XXXX through XX/XX/year> billing cycles and that the delinquency was reported accurately. They also stated that they mailed billing statements and that the reporting is allowed under the Fair Credit Reporting Act.However, the documents provided do not prove compliance with 15 U.S.C. 1666b and 1637 ( b ). A payment may not be treated or reported as late unless a compliant periodic billing statement was actually delivered at least XXXX days before the payment due date. The company did not provide proof of delivery, mailing records, or electronic delivery logs showing that the required billing statements were sent in compliance with federal law. They also did not provide sufficient proof of the negative reporting notice required under 15 U.S.C. 1681s-2 ( a ) ( 7 ).…

Read full complaint at CFPB →

I am submitting this complaint regarding my account with Indigo Credit Card. I became unemployed in XXXX and activated the unemployment benefit program associated with my account. Since that time, Indigo has repeatedly required me to submit proof of unemployment on a monthly basis. I have submitted proof of my unemployment multiple times, approximately three to five times, by email as requested. Despite my repeated attempts to provide the documentation, the company frequently claims that they have not received it or that it was submitted past the required date. I have made good faith efforts to comply with every request for documentation, yet I continue to be told that the information was not received or can not be accepted. On one or two occasions, Indigo acknowledged receiving my documentation and made payments to my account under the unemployment program.…

Read full complaint at CFPB →

{$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX PO Box XXXX XXXX, OR XXXX Re : Account Number : XXXX XXXX To Whom It May Concern : This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy.…

Read full complaint at CFPB →

{$760.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Account Number : * XXXX To Whom It May Concern : This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy.…

Read full complaint at CFPB →