Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (DC)

An email impersonating Concora Credit 's Indigo Mastercard came through saying that my recent application could not be processed because I had a credit freeze. The email in it's entirety is posted below. A second email came through that said the company could not process an application because I had one pending. 

I called the number in the email to tell the company I was not applying to credit cards. The number asked for my social security number. I did not enter it. After three times asking for a SSN, the automated voice asked if I wanted to speak to a representative. Then it stipulated that the company was a debt collecting service. When I spoke to a representative, he asked for my full name and last four digits of my SSN. I mentioned I did not have an account and that someone was attempting to apply in my name. He said he did not see an account listed and that I would need an account with the company to submit an identity theft claim. I hung up. When I looked up the number, other people said they believed this was a scam. 

Email : XXXX RE : Regarding Your Indigo Mastercard Application XXXX XXXX XXXXPREVIOUS ADDRESS LISTED* RE : Indigo Mastercard Application ID # XXXX Dear XXXX XXXX XXXX Thank you for applying for an Indigo Mastercard Account. In order to complete your application, we request the following information : There is a security freeze on your XXXX credit report. Please temporarily lift the security freeze and then notify us so that the creditor may access your credit report. 
IMPORTANT : If you do not lift the security freeze and notify us that the security freeze has been lifted within the next 30 days, no further consideration will be given to your application. 

If you have any questions about this notice or your application, please write to us at the above address or call us at XXXX. Our customer service hours are from XXXX to XXXX, Pacific Time XXXX seven days a week. 

Concora Credit Inc. services the Indigo Mastercard Program on behalf of XXXX XXXX, a XXXX XXXX XXXX  XXXX 

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, MO XXXX. 

XXXX The Indigo Mastercard is issued by XXXX XXXX  XXXX a XXXX XXXX XXXX XXXX and serviced by Concora Credit Inc . 

This email is from Concora Credit Inc. Dont miss out on important communications. Add XXXX to your Favorites or Safe Sender list. 

The safety and confidentiality of your personal information are important to us. Please do not reply to this email, it is an unmonitored email box. 

2024 Concora Credit Inc .