Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I am filing this complaint regarding the closure of my Indigo and Destiny credit card accounts, both issued by Concora Credit. I believe the closures constitute retaliation in violation of the Equal Credit Opportunity Act, and a follow-up call today involved an attempt to coerce me into waiving consumer protection rights as a condition of account reactivation. I had been a customer in good standing with both accounts, making on-time payments. During a recent call to Concora Credit 's customer service, I inquired about the company 's payment hold practices, which were causing my available credit to be unavailable for 14 days after each payment. During that conversation, I mentioned that I was considering consulting an attorney about these practices. Shortly after that call, both my Indigo and Destiny accounts were closed. When I called to ask why, a Concora Credit representative explicitly stated on the recorded line that the accounts were closed because I had mentioned a lawyer. This statement was made on Concora Credit 's own recorded phone system. On XX/XX/year>, I called Concora Credit again to obtain documentation of the closure. I spoke with a representative named XXXX, employee ID XXXX. The following occurred during this call, which was also recorded on Concora Credit 's system : XXXX initially told me my accounts were not closed. When I asked for written confirmation of the account status, XXXX told me he could not email any documentation and refused to provide written confirmation in any form. XXXX then stated that my accounts could be reactivated, but ONLY if I stated on the recorded line that I am not being represented by an attorney. I declined to make that statement. When I logged into my online account today, both the Indigo and Destiny accounts display the message " Unable to access account. Please call XXXX for more information. '' Current balance, minimum payment, and due date all show " N/A. '' This directly contradicts XXXX 's initial claim that the accounts were not closed. My concerns : The original closure appears to be retaliation for exercising my federally protected right to consult an attorney regarding consumer credit matters, in potential violation of the Equal Credit Opportunity Act. Today 's request that I state on a recorded line that I am not represented by an attorney appears to be an attempt to coerce me into waiving consumer protection rights as a condition of having my accounts restored. The refusal to provide any written documentation of the closure or its reasons prevents me from understanding or contesting the company 's decision. The contradictory statements from Concora representatives one saying the accounts were closed because I mentioned a lawyer, another claiming they were not closed at all, then conditioning reactivation on a coerced statement suggest serious procedural and compliance issues. Both phone calls referenced above were recorded on Concora Credit 's own system and can be retrieved by their compliance department for review.

Company response to consumer: Closed with explanation