Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (OH)

I applied for the milestone Mastercard through Concora credit on or around XX/XX/XXXX. I was approved and I did carefully read the requirements. They would charge me right away with an annual fee of {$120.00}. That is fine. I received my card in no time. I downloaded the apps, created logins, verified my information was correct, even linked my bank accounts to pay the payments on right away. I was able to use my card successfully. I made 5 transactions all at XXXX between $ XXXX {$75.00} each totaling {$160.00} spent. I was monitoring my app/ account closely to know the first payment amount and date to make sure I did the right thing. I did try to take a cash advance at an atm, prior to doing so, I looked up and read the disclosure to ensure I was able too and the fee i would be issued. I agreed to all of it. I set my pin and tried it, it didnt work several times so I gave up. Later I called customer service they advised me if the amount and limit per day. This was not stated in the disclosure on what amount per day. Moving on o wasnt upset. No big deal. After that my card worked fine. I made the above XXXX transactions. Still watched closet for payment date and amount. I noticed my card wouldnt work one day, and decided to pay cash. This credit card is an option nit a requirement for me to get by and to help me fix credit. I tried a few more times on different occasions, it wouldnt go through, I checked my account and it still had {$410.00}. XXXX available. I figured maybe this store just doesnt take XXXX . I made a mental note to call customer service when I got time. I had tried since and honestly forgot to call customer service. I was going over my bills the week of XX/XX/XXXX. I noted my min payment of {$280.00} was {$40.00} owed on XX/XX/XXXX. I still had and available balance. The {$280.00} included the {$120.00} annual fee plus the {$160.00} I had spent. To show good faith I planned on paying the entire {$280.00} on XX/XX/XXXX that was 2 weeks early. I got a letter in the mail? Mailing date XX/XX/XXXX stating my card was closed to to fraudulent activity or demographic changes, I was entirely confused, I rechecked my account the only charges showing were XXXX. I hadnt gad any changes, they had all my accurate info. I called customer to help me understand how this happened and why? The first rep, just kept repeating it was closed. There was nothing she could do. I explained the letter I had said to call if I had questions. Of course u had a whole bunch but mainly, why did they close my card? Did some hack into my account? Why wouldnt they cancel my card and reissue a new card? Finally when the rel understood, I wanted expiation of this she put me on hold. She came back on stating it was closed due to not responding to a letter requesting a picture of my license. What? What letter? I hoped into my account, thinking I failed to agree to the electronic communications. Which I had. I still hadnt gotten any letter from this company other than my card and this closer. I asked to speak with a manager. I asked how can I fix this? A closed account, will hurt my credit, I opened it to help me, she stated someone on the back side of my account and changed all my Information, if this certainly happened Id be great full. So I asked why wouldnt the card be canceled then and reissued a new, you want me as a customer right? They would help me get it fixed I read online possibly reopen it, even if they could submit something that would need to be reviewed etc. nope nothing. I asked if I could reapply again. And clarified I know my credit and the original facts will matter but will it automatically decline me due to this card issue or recent account, I asked several times, she assured me, i could apply, it could get denied or approved but it would have nothing to do with the recent application/card closer. She also assured me that the bank had removed my information so since they closed it, it would not report bad on my credit. First I did try to apply, what was the reason I got declined? Recent application, the manager stated my account was closed and could not be referenced any longer. However, by the results I received, she lied. Nobody could actually tell me why my card got closed, the meaning of the given reason. I had no fraudulent activity I seen. I hadnt changed anything and if the letter was mailed out on XX/XX/XXXX the whole entire month of XXXX from the XXXX of XXXX XXXX XXXX XXXX when I decided I was going to pay the balance. It showed me I had available balance to spend. Nowhere had I been informed my account of flagged, even after agree for them to tell me electronically. They didnt XXXX out my available balance, didnt restrict my account, no where did I receive to update a license. I do believe they have made some error on their behalf and cant be professional enough to raise their hand and said Im sorry we made a mistake. My credit took a lose when I applied, it took a loss when they closed it on XX/XX/XXXX. Even after the rep said it wouldnt effect me because they deleted my info they lied, even XXXX XXXX a generic app that can help in some guidance with credit and is not always the most accurate notified me I closed an account with Concora. I feel I have been shammed, while I did absolutely nothing wrong by this company. They hurt me over {$160.00}. I am very disappointed in this company. Disappointed in the lack of professionalism, lack of training, lack of valuing customers. A company does this and hurts people needs to be known. I hope someone can help guide this company into being a better company that values customers.