Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (CA)

This credit card company ( Destiny, part of Genesis Financial Card number XXXX ) has a business policy that after your card is blocked due to declined transaction as a result of for example suspicious charge in their view or opinion, you have to remember what transaction you had like 10 days ago and if you don't remember, it refuses to unblock your card. 

Just like I ask you what did you eat at lunch or dinner in XX/XX/2023. 
What If someone is XXXX or has bad memory!? 
He or she is XXXX!!! 
It is a XXXX up situation. People are XXXX. 
They are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX  about it and they act like a XXXX XXXX XXXX 

From my findings in XX/XX/XXXX speaking with XXXX  card customer support phone number, my card has been blocked since XX/XX/2023 and I don't remember my declined XX/XX/XXXX charges in XX/XX/XXXX after 10 days!!! 

The correct way of resolving this issue as other banks have adopted this method such as XXXX XXXX  or XXXX XXXX XXXX  is they have to review transactions one by one and ask if you recall or acknowledge or have a knowledge of such or such transaction with name and amount. Destiny keeps them mystery puzzle I as a consumer have to solve for them while they already know it and see it. 
Representative 's supervisor refused and also said he can not give me executive office 's phone number or ask executive office call me for follow up and caring. 

They say we send you new card and you wait for new card. I said no. I don't want my card be interrupted and wait for new card. I want to have my issue resolved with the method I explained above. They refused saying they have a business policy against it and the way they handle is their business policy which I protested and stood up to it like a stand off situation. 

Since I paid {$75.00} annual fee and only could use it one month ( one statement cycle ) which i attached, statement ending in XX/XX/XXXX and I have not been able to use it since XX/XX/XXXX, I am also disputing their $ XXXXannual fee should be discounted to {$6.00} and close my card effective XX/XX/XXXX, because I oppose their business policy and i protest. 
I do not budge and they have to correct their corrupt business policy. I don't fund corruption. 

Keeping customers and keeping them happy customers is art which they failed and they failed measurably. 

{$68.00} of the annual fee must be refunded to me and interest assigned must be adjusted accordingly. 
If this doesn't happen I am initiating a legal dispute with authorities seeking arbitration and other means on their cost and expense because they have violated my citizen rights and the right to live prosperous as US constitution has promised us. 

{$110.00} - {$68.00} = {$47.00} And Destiny has to cancel interests associated with annual fee or adjust accordingly. 

You have to update and correct credit reports or I will file disputes too. 

I am a US citizen and I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.