Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX XXXX, NOTICE OF HARASSMENT, NOTICE OF DISPUTE, AND DEMAND FOR VALIDATION FOR THE BELOW BANK DEREGULATION CRIME INFLICTIONS : REPEATED AND UNWANTED DISABLED VISIBILITY OF ACCOUNT INFORMATION IN CONCORA CREDIT CARD ACCOUNT FOR UNKNOWN REASONS, POSTED AT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/CONCORA-CREDITXXXX? XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX, in accordance with the laws of the United States, do herewith solemnly affirm the veracity of the ensuing declaration which is accurate and truthful and I attest to the below : 1. I am the Affiant and have personal knowledge of the facts herein. 

2. Concora Credit agents have engaged in a pattern of behavior that has obstructed my access to my account information, interfered with electronic funds transfers, and concealed account information, causing harm to my consumer rights and financial well-being. 

3. I am the Affiant in this matter, and I am providing notice and documentation of criminal conduct and violations of my rights by Concora Credit ( hereinafter referred to as " the Bank '' ). I am notifying criminal justice authorities, credit bureaus, and the entities mentioned herein of the following conduct, which constitutes harassment, abuse of process, fraudulent billing, and violations under the Bank Deregulation and Monetary Control Act of 1980, as well as other applicable laws and regulations. 

4. This bank is being used for XXXX XXXX XXXX XXXX harassment, retaliation, fraudulent billing and credit destruction for his human trafficking programs. See the reference section. 

5. Concora Credit agents have violated the mandates set forth in the XXXX XXXX XXXX XXXX XXXX, 22 U.S.C. 7102, by using the Bank 's processes for purposes that are abusive and contrary to the original intent of the law. 

6. Concora Credit agents have violated Section 616 ( FCRA ) : This section deals with civil liability for willful noncompliance, which is relevant since the Concora bank criminals have repeatedly obstructed bank account transparency and billing rights under the FCRA and did so willfully. 

7. Concora Credit agents have violated Section 617 ( FCRA ) : This section provides for civil liability for the Concora Bank agents ' repeated negligent noncompliance, in deliberately hiding access to my credit card account as exemplified in exhibit 1. Affiants rights to full disclosure of her good standing credit card account has been maliciously denied and her rights have been violated due to negligence. 




8. Concora Credit agents have violated the Fair Credit Billing Act ( FCBA ) : This act is a part of the Truth in Lending Act and is designed to protect Affiant from unfair billing practices and to provide a mechanism for addressing billing errors in credit accounts. Please see this banks malicious, unwarranted, negligent and fraudulent billing practices. They have refused to validate the disputed below theft of my credit. Please see this Concora fraudulent and non-validated credit seizures at page 8 at hXXXX XXXX XXXX XXXX 9. Please see in the below link this Concora Credit criminal missing payment and missing pending payment/ with no mention of my payment made at : XXXX XXXX XXXX XXXX 10. The Concora Credit agents have violated Section 161 ( FCBA ) by disregarding billing errors, issues related to transparency and fair disclosure of account information. 

11. The Concora Bank agents have violated the Fair Debt Collection Practices Act ( FDCPA ) Section 806 by repeatedly engaging in conduct that constitutes harassment and abuse by the bank agents acting as debt collectors pursuant to 15 USC1692a ( 6 ). 

12. The Concora Bank agents have violated Section 807 ( FDCPA ) by repeatedly engaging in false and misleading representations related to issues of bank account transparency. 

13. In summary, the Concora Credit agents repeatedly disabled visibility of my account information on Concora Credit 's online banking platform without Notice, and no legitimate cause, thereby hindering my ability to manage my finances and causing undue stress and harm. They concealed account information and engaged in non-transparent practices that hinder my ability to accurately ascertain the status of my account and financial obligations. They engaged in repeated billing errors, lawless credit seizures with no validation after disputing such, and payment discrepancies, which have not been resolved in a timely or satisfactory manner, leading to damage to my creditworthiness and financial stability. 





Finally, I seek equal protection of the law via the dismantling of the above unwarranted, criminal senile, bank deregulation crime enforcement by criminals in XXXX XXXX. I seek credit card account 24//7 online access like any other consumer has access to their credit card account. I seek an end to fraudulent and non validated credit seizures, stoppage to erroneous billing and an end to not putting payments on the credit card account in a civilized and timely manner. I demand equal protection of the law in this bank. I demand validation for each of the violations inflicted and noted in this affidavit. 

I hereby demand a full and transparent investigation. I seek immediate restoration of 24/7 online access to my credit card account, an end to fraudulent billing practices, proper crediting of payments made to my account, validation to disputed lawless credit seizures, like the attached theft of {$92.00} from this credit card with no consent and no authorization. I demand equal protection under the law. Furthermore, I assert my right to validation and remediation for each of the aforementioned violations as outlined in this affidavit. 

In closing, I have attached 3 exhibits and an extensive reference section exemplifying the credit card repeated violations discussed and inflicted in every credit card account I have, for criminal purpose of credit destruction, as precursor for XXXX XXXX XXXXXXXX XXXX XXXX XXXX crimes. Please immediately stop these credit destruction crimes and abuse of processes. I attest under the laws of the United States of America, that all pronouncements herein are true and correct and based on my personal experiences of being victimized by Concora Credit agents organized fraud. Thank you for anticipated corrections expeditiously. 

Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation