Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX FEBDESTINY ran a hard inquiry on my XXXX credit report without my knowledge or consent. On XX/XX/XXXX I received a credit card I never applied for from Destiny Mastercard issued by XXXX XXXXXXXX XXXX serviced by Concora Credit Inc. 

On XX/XX/XXXX I called Destiny Card / XXXX XXXXXXXX XXXX  XXXX Concora Credit to inquire about the fraudulently issued credit card. They initiated a dispute, said they blocked the card and I will receive paperwork in the mail I will need to fill out to eliminate the card. I did not activate the card. 

I asked them to provide information about who applied for this card and how it was issued without my knowledge or consent. They said they had no information about the application other than the date it was made, XX/XX/XXXX. 

The information they have for me on this account is mostly accurate, including my name, email, address, and I assume social security number. The phone number they have on file is an old one I have not used in many years, one which I would not have used on any credit application in many years. When I provided my birth date to them, the representative told me they had a different birth date on file for me. They would not tell me what birth date they have on file. So whoever initiated this fraudulent application apparently fabricated a birth date. 

I called XXXX to ask if they require a company to match my correct birth date to get access to my credit file and they said they do not require a company to provide my birth date before granting access to my credit file. They said it is pretty much up to the company what information they use to gain access. I initiated a dispute against the credit inquiry with XXXX and they also said they would block this company from reporting a new account on my file. 

It seems strange to me that this bank could restrict the information they would provide me based on the birth date discrepancy but they themselves were not required to provide my birth date before being granted access to my credit file. 

The credit card representative said the terms of the new account should have been sent to me by email. I found a Welcome email from Destiny Mastercard XXXX on XX/XX/XXXX. There were no terms in that email. So they did not send terms by mail or email. 

I suspected this account was fraudulently issued internally by this bank, rather than an outside third party identity thief. Along with that suspicion, I suspected that this account probably has a very high annual fee, and that could be a motive for why this bank is opening fraudulent accounts and pushing them on consumers they perceive to be in a vulnerable financial situation and ready to accept any line of credit that becomes available. 

The first representative would not tell me whether there are any annual fees on this account. When I called back, I was informed there is a {$170.00} annual fee, confirming my suspicions. 

After all, why would a thief fill out a fraudulent application, only to send the card to me and not to themselves, and be unable to use it for themselves? There was no email, phone number or mailing address put on the application that could be used by any person other than myself to gain access to the credit line. 

On top of that, I can see on my XXXX report that XX/XX/XXXX is not the first time FEBDESTINY has accessed my credit report. I think it may be the first time they ran a hard inquiry. But they ran nearly a couple dozen soft inquires over the course of the past year. So they already had my information. They apparently did not need someone to offer my information to them on XX/XX/XXXX to apply for a card. They already had it. I don't know how they originally got my info a year ago when these soft inquiries started.

Company response to consumer: Closed with non-monetary relief