Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (FL)

On XX/XX/XXXX, two years ago, I disputed in writing several charges on my account related to an alleged missed/late payment. I disputed these as well as the balance, monthly due amount, interest charges, other charges, fees, etc on this account in relation to the alleged missed/late payment. No payment was ever missed or late so no fee should have been charged. I provided them with their own statements to show that I was never late. 

In addition to the dispute letter, I also made several phone calls about this account to try to resolve this issue. The first time I called regarding this their employee hung up on me after telling me that I had missed a payment. That employee was unable to satisfactorily tell me which payment I missed even though I asked several times. 

The second time I called, I asked for a supervisor after another of their employees told me that I had missed a payment and they were unable to satisfactorily tell me which payment I missed. The call was disconnected while I was on hold for the supervisor. 

The third time that I contacted them about this account, their employee told me that my payment was reversed by my bank. I checked my bank account and since I saw no reversal, I told him that it was not reversed. He changed his mind and said that it was a missed payment instead and asked me to make payment arrangements for the missed payment. He was also unable to satisfactorily tell me which payment I missed. When I asked him which payment was missing and he said XXXX. Since it was XXXX when this call took place and the account was only a few months old, an XXXX payment wasn't due yet as the month hadn't yet started. I pointed this out to him only for him to respond that he meant XXXX XXXX payment. 

Thus far, I've gotten several false stories from several representatives and can not seem to resolve this issue. They have, however, removed my email address from my account, without my permission, so I no longer received Payment Made emails as I provided copies of those emails to also show that I made my payments on time. Luckily, I take a picture of my computer screen when I make a payment to them. 

Enclosed are copies of the monthly statements from the begining of this, recently opened, account. Please note the following : Statement # 1 : This was the first statement on this account. 
No payment made in the itemization as it was the first statement and only charges were shown. 
Due date of bill : XXXX XX/XX/XXXX Amount Due : {$40.00} The first payment due of the first bill of this new credit card. 

Statement # 2 : Shown on this statement is a payment of : {$40.00} on XX/XX/XXXX which is the payment for the previous bill that was due on XXXX XX/XX/XXXX. 
Due date of bill : XXXX XX/XX/XXXX Amount Due : {$40.00} Statement # 3 : Shown on this statement is a payment of : {$40.00} on XX/XX/XXXX which is the payment for the previous bill that was due on XXXX XX/XX/XXXX. 
Due date of bill : XXXX XX/XX/XXXX Amount Due : {$80.00} which included the Late Fee making the minimum due {$80.00} instead of {$40.00} I paid {$40.00} and told them I refused to pay the late fee and I have been paying {$40.00} every month, ever since. 

Statement # 4 : Shown on this statement is a payment of : {$40.00} on credited on XX/XX/XXXX. 
Due date of bill : XXXX XX/XX/XXXX Minimum Payment Amount Due : {$80.00} which again included the Late Fee making the minimum due {$80.00} instead of {$40.00}. 

Since I had a balance on this card initially, I continued to pay the {$40.00} per month on time, every single month before and since this dispute but I refused to pay the late fees, etc. One of the problems is that I have no way of knowing when this balance is paid off and I need to stop making payments as they have not, to date, corrected my balance. They are, also, now reporting me as late to credit bureaus when I have paid on time since this card was opened. Up until this month, they were reporting this account 's payments as On Time. Fix this.