Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
The most upsetting part of this entire situation is how I discovered that XXXX XXXX XXXX had continued charging my credit card after I had already requested that my policy be cancelled. Several months after my cancellation request in XXXXXX/XX/XXXX, I attempted to use my credit card to pay for my daughters XXXX. As any parent can understand, medical situations involving your child are already stressful and emotional. At that moment, the last thing I expected was to encounter a financial issue related to a service I believed had already been cancelled. To my shock and embarrassment, my credit card was declined when I attempted to make the payment. I was immediately confused because I had not anticipated any issues with my card. As a parent trying to handle an important medical expense for my child, this was an extremely stressful and upsetting experience. Situations involving a childs health are already difficult, and having a credit card declined during that moment created unnecessary worry and frustration. After this happened, I reviewed my credit card account to understand why my card had been declined. What I discovered was extremely concerning. Choice Home Warranty had been charging my credit card monthly payments for a policy that I had already requested to cancel months earlier in XXXX of 2025. Seeing these charges was shocking and upsetting. It became clear that my cancellation request had not been processed properly and that I had been billed for several months for a service that should no longer have been active. I immediately contacted XXXX XXXX XXXX to find out why these charges were still being applied to my account. During my conversation with the companys resolution department, the representative acknowledged that my policy had not been cancelled when I originally requested cancellation in XXXXXX/XX/XXXX. The representative apologized and stated that the policy would be cancelled immediately. However, when I asked about receiving a refund for the charges that occurred after my cancellation request, I was told that the company would not issue a refund, claiming the charges were payment for services. This explanation is completely unacceptable. I clearly requested cancellation in XXXXXX/XX/XXXX and any billing after that date occurred only because the company failed to process my request properly. The charges were monthly payments for a policy that should have already been cancelled, not payments for services I requested or used. Additionally, by the time these charges were applied, I no longer owned the property associated with the policy, as the home had already been sold. Charging a consumer for coverage tied to a property they no longer own is both unreasonable and unfair. It is also important to note that XXXX XXXX XXXX had previously refused to cover a repair to my homes air conditioning system, which was one of the primary reasons I decided to cancel the policy. After refusing coverage for a major home system, the company continued billing me monthly even after my cancellation request. From a consumer standpoint, this reflects extremely poor business practices. Consumers should not be financially penalized because a company fails to properly process a cancellation request. In this case, the company admitted that the cancellation request had not been handled correctly but still refused to refund the charges that occurred because of their error. This situation caused unnecessary financial hardship and emotional stress for my family, particularly because it happened while I was attempting to pay for my daughters XXXX. If this matter is not resolved promptly, I am prepared to file formal complaints with the Georgia Attorney XXXX XXXX XXXX XXXX, as well as federal agencies including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). To resolve this matter, I am requesting the following : A full refund of all monthly payments charged after my cancellation request in XXXXXX/XX/XXXX, totaling more than {$500.00}. Written confirmation that my policy has been permanently cancelled. Written confirmation that no future charges will be applied to my credit card or account. These requests are reasonable given that the charges occurred solely because my cancellation request was not processed properly. I hope XXXX XXXX XXXX will take this complaint seriously and resolve the matter fairly.

Company response to consumer: Closed with monetary relief