Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Arizona Attorney Generals Office Concora Credit Re : Complaint Against Concora Credit Unfair Fees , Misapplied Interest , and Account Mishandling I have been a long-standing customer of Living Spaces and obtained financing through Concora Credit for purchases XXXX XX/XX/XXXX and XX/XX/XXXX. At the time of purchase, the terms clearly included a 12-month no-interest promotion, which I relied on in making my purchasing decision. 
In addition, I already had an active line of credit with Concora Credit that carried an existing balance. Up until XX/XX/XXXX, my statements reflected no monthly fees. Beginning XX/XX/XXXX, Concora unilaterally added a {$4.00} monthly fee to my account without any prior notice or agreement on my part. I never consented to this fee at the time of account opening or while carrying the existing balance. 
Issues Undisclosed and Unilateral Fee Implementation Concora began charging a {$4.00} monthly fee starting XX/XX/XXXX, despite my account being opened under prior terms. 


I was told by a Concora supervisor on XX/XX/XXXX, that a notice was allegedly sent on XX/XX/XXXX. I never received this notice. Regardless, adding new fees to an existing account balance without my consent is improper and constitutes an unfair billing practice. 


Improper Interest Charges Beginning in XX/XX/XXXX, interest was applied to my account despite being under a XXXX promotional no-interest financing plan through Living Spaces. 


Both purchases made in XX/XX/XXXX and XX/XX/XXXX should have remained interest-free until at least XX/XX/XXXX and XX/XX/XXXX, respectively. Applying interest beginning in XX/XX/XXXX violated the promotional terms and caused me financial harm. 


Misrepresentation of Payoff Amount On XX/XX/XXXX, I contacted Concora to pay off my account. I specifically asked the representative for the exact amount to avoid interest charges. I was told the amount, paid it in full, and was assured my account would be satisfied. 


Despite this, I was later told by Concora that I still owed {$30.00}, stemming from the improper {$4.00} fees and interest that should never have been applied. 


Unprofessional Conduct by Supervisory Staff On XX/XX/XXXX, when I questioned the basis for these charges, the representative admitted they could not explain them, and when I escalated to a supervisor, she hung up the call when pressed for answers. 


My Demands I am requesting immediate corrective action : Refund of all {$4.00} monthly fees improperly applied since XX/XX/XXXX. 


Refund of all interest charges assessed since XX/XX/XXXX in violation of the 12-month no-interest promotion.

Closure of my Concora Credit account upon resolution of this complaint. I no longer wish to maintain an account with a company that imposes unauthorized fees and mishandles promotional financing terms. 


Written confirmation that my credit reports will not reflect any negative marks related to these disputed fees or charges. 
I entered into financing with Concora Credit in good faith under specific promotional and account terms. Concoras unilateral addition of new fees to an existing account, failure to honor the 12-month no-interest promotion, misrepresentation of my payoff amount, and poor handling of my inquiries constitute unfair and deceptive practices.

I respectfully request that the CFPB and Arizona Attorney Generals Office review this matter and hold Concora Credit accountable for these violations. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation