Product: Credit card

Formal Complaint Against XXXXoncora Credit Inc. ( d/b/a MileStone Credit ) for Unlawful Practices To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : This formal c

omplaint is submitted against Concora Credit Inc., also operating under the brand name MileStone Credit, for engaging in unlawful, discriminatory, and predatory practices that violate federal and state consumer protection laws, credit and banking statutes, and the Americans with Disabilities Act ( ADA ). The details of the violations and the resulting harm are outlined below : 1. Unlawful Refusal to Accept Payment from an FDIC-Insured US Bank Concora Credit Inc. unlawfully refused to accept a payment from my FDIC-insured US bank account. This violates Regulation E ( 12 CFR 1000 ), which governs electronic fund transfers and prohibits creditors from unreasonably restricting payment methods.

2. Coercion to Store Bank Account Information The company forced me to store my bank account information against my explicit wishes. This violates Section 1031 of the Dodd-Frank Act, which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Consumers must have the right to choose how their payment information is stored or processed without coercion.

3. Unlawful Refusal to Accept Debit Card Payments Concora Credit Inc. refused to accept payments by debit card, forcing me to use a stored bank account, which they subsequently rejected. This restrictive payment practice is contrary to Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and constitutes an unreasonable barrier to payment.

4. Discrimination and Violation of the Americans with Disabilities Act ( ADA ) As a XXXX individual, I informed the company of my XXXX and requested reasonable accommodations for making payments. Instead of accommodating my needs, they suggested : Using a costly XXXX XXXX  payment method requiring in-person trips, which I am physically unable to perform. 

Mailing payments, which would be both physically burdensome and unreliable given the urgency of my payment.

Their refusal to provide accessible payment methods violates ADA Title III, which mandates reasonable modifications to accommodate individuals with XXXX in public-facing services. 

5. Illegal Imposition of Additional Fees Exceeding APR Limits Requiring XXXX XXXX or similar payment methods with additional fees results in an effective APR exceeding the maximum lawful rate, violating Truth in Lending Act ( TILA ) and Fair Credit Billing Act ( 15 U.S.C. 1661 ).

6. Harm Caused by Unlawful Practices Due to Concora Credit Inc. 's refusal to accept my payments and their subsequent actions, I suffered severe harm, including : Credit Damage : Negative marks on my credit report directly resulted in denied credit, including a critical vehicle loan. Without a vehicle, I was unable to relocate to family assistance and attend necessary medical appointments.

Homelessness : The financial strain and credit damage directly caused me to lose housing stability.

These actions violate Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by inaccurately reporting my account status to credit bureaus and failing to provide opportunities to remedy their unlawful payment refusal.

7. Disregard for U.S. Consumer Protection Laws Despite repeated notifications of these issues, Concora Credit Inc. acted with complete disregard for U.S. federal and state laws, appearing to operate above them. Their actions reflect a pattern of systemic negligence and abuse. 

Relevant Legal Precedents TILA Violations : XXXX XXXX XXXX XXXX  XXXX ( XXXX ) : Consumers successfully sued for additional fees resulting in APR violations. 

XXXX v. XXXX XXXXXXXX ( XXXX ) : Courts ruled against unreasonable payment barriers under TILA. 

ADA Title III Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : A landmark case enforcing XXXX compliance for accessibility in services. 

XXXX XXXX XXXX 's XXXX ( XXXX ) : Courts reaffirmed the obligation of companies to provide accessible services under the ADA. 

Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX ( XXXX ) : Established standing for harm caused by inaccurate credit reporting. 

XXXX v. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Reaffirmed liability for damages due to negligent credit reporting practices. 

Violations Summary 12 CFR 1000 : Restriction on payment methods.

15 U.S.C. 1601 et seq. : Truth in Lending Act violations.

15 U.S.C. 1681 : Fair Credit Reporting Act violations.

ADA Title III : Discrimination against disabled individuals.

Section 1031 of the Dodd-Frank Act : Coercion to store bank information.

Demand for Resolution I demand the following resolutions : Immediate cancellation of any outstanding debt and marking the account as Paid in Full.

Removal of all negative marks on my credit report across all three major credit bureaus ( XXXX, XXXX, XXXX ). 

Written assurance of compliance with all relevant federal and state laws moving forward.