Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
This submission is an addendum to my previously filed complaint and is intended to formally document continued misconduct and escalation by the company after acknowledging fraud on my account. 

As stated in my original complaint, the company contacted me and verified that the charges on my Indigo account were fraudulent and that the card was activated fraudulently. Despite this acknowledgment, they have failed to provide any documentation related to their investigation, even after I explicitly requested copies for my records and case file.

Instead of resolving the issue, the company has continued to pile on additional charges, fees, and interest related to fraudulent activity that originated in XXXX. Since that time, the balance has increased by approximately 115 %, despite the charges being confirmed as unauthorized. 

Additionally, the company has : Refused to continue or complete a fraud investigation Disabled my ability to make payments both online and by phone Continued billing me for disputed fraudulent charges Most concerning, these actions have now negatively impacted my separate Milestone credit card account with the same issuer. That account originally carried a balance of approximately {$300.00}, which has now been increased to over {$400.00} as a direct result of their actions. I then received a statement today demanding a minimum payment of {$140.00}, which is unreasonable, unexplained, and unjustified. 

I want to be very clear : I have a 100 % on-time payment history spanning over 10 years and have never missed a payment with this company. The treatment I have receivedafter fraud was confirmedis retaliatory, negligent, and unacceptable. 

This situation has caused financial harm, emotional distress, and damage to my credit standing, all while the company continues to ignore its legal obligations under fair credit billing and consumer protection laws. 

I am demanding the following immediate corrective actions : 1. Removal of all fraudulent charges, fees, and interest from all affected accounts 2. Restoration of full account access, including payment capabilities 3. Written documentation of the fraud investigation and findings 4. Correction of all negative impacts to my Milestone account and credit reporting 5. Confirmation in writing that no further collection or billing activity will occur related to these fraudulent charges 6. Original credit card application, along with the charges that were made. I also need to see when it was activated and how. 

Failure to resolve this matter promptly will leave me no choice but to pursue further regulatory remedies. 

This addendum is submitted to formally document continued violations and to protect my rights as a consumer. 

This submission is a final addendum to my previously filed CFPB complaint and documents additional material facts related to improper fee assessment and continued obstruction of my ability to make payments. 

Improper Late Fee After Payment : I made a payment on XX/XX/XXXX toward my Milestone account. Despite this, the creditor assessed a {$40.00} late fee on XX/XX/XXXX. This action was unjustified and inconsistent with normal billing practices, particularly given that I had already attempted to remain current. 

The assessment of late fees immediately after payment makes continued payment futile, as fees are being added regardless of my efforts. As a result, I have no reasonable option but to temporarily stop making payments on the Milestone account until this matter is resolved, as continued payments do not prevent additional penalties from being imposed. 

Payment Obstruction and Misrepresentation : Each month, I attempted to make payments by phone due to restricted online access. During these calls, I was repeatedly told that representatives would not assist me unless I stated that I was not represented by an attorney. 

I did not retain an attorney, nor did I request communication to cease. Any indication that I was legally represented originated from the creditors internal actions, not from me. Conditioning payment assistance on such a statement is inappropriate and further prevented me from fulfilling my payment obligations. 

Summary of Impact : A valid payment was made on XX/XX/XXXX A {$40.00} late fee was added on XX/XX/XXXX despite that payment Payment access was repeatedly restricted Assistance was denied unless I disclaimed legal representation Continued fees made payment efforts ineffective These actions directly contributed to balance increases and alleged delinquency and are the result of the creditors conduct, not my refusal to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation