Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
On XX/XX/year> I received a letter from a 3rd party collection agency I have been familiar with named, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have long believed their behavior was highly irregular and illegal according to the FDCPA, and violates their own terms. 
A long, long time ago this creditor closed my account and charged off my debt posting it to all of my credit bureaus immediately due to multiple failed payment attempts. 
But the creditor, called DESTINY XXXX still continued to charge me minimum payments every month, as well as interest, and then late fees upon nonpayment. Racking up what should have been a fixed balance charged off - my credit line was closed. 
Once they closed my account, I immediately lost access to the online portal I used to use which also had a digital copy of the Credit Agreement. 
Yet Destiny XXXX, under Concora Credit continued attempting to withdraw monthly ACH payments from my prior autopay setup. 
My minimum payment would then double, be charged an extra {$40.00} return fee, and charged interest as well. Then the next month that past due balance would be charged again, fail and grow. 
They also reported every payment as a missed payment to the bureaus as if I had an open line of credit. 
Having professional experience working with laws from the FDCPA and this profession, as well as having had multiple charge off credit accounts on my credit - even including XXXX other credit cards that fall under Concora Credits wing - never had I been continued to be charged after being charged off like this and I knew I was being victimized. 
Once I found out the extent of what had been occurring which was a few months ago I called Concora Credit to voice what they were doing was a violation of my rights. I was contacted through Mail and called them with a cease and desist demand First. But about a week later I called callrd back and rescinded my cease and desist order expressing a desire to resolve the alleged debt. I spoke to a collection agent who literally credited my balance {$120.00} immediately- and I had anither payment due in a couple days with inability to pay which meant {$80.00} plus interest would be added again. But I told her I could do {$40.00} at the end Of the month and that was it. She agreed that if I did XXXX and make that payment that she had heavily notated my account instructing another {$40.00} fee to be removed at that time, and that would have brought me current, no longer past due, which she explained then would cease monthly payments being due on top Of the charged off maxed out balance. I agreed. 
I called the end Of that month and spoke to a different representative and they refused to honor the promise that was made to me by the prior XXXX and also criticized her For removing {$120.00} in fees For me. 
My income limited me to be unable to even keep up eith this single Creditor, resoonsible for abiut a XXXX XXXX  drop in my credit score single handedly all thriugh illegal collection activities.

Today i called and I wanted something solid to dispute with going forward. 

I spoke to a woman. She asked my name, if my address changed. As I called in they had the last XXXX of my SSN and last XXXX of my acct. Number pulled up.

Automated system notifies of recorded calls. But there is no mini-miranda given. I know that must be told to every consumer every CALL if you fully verify them, she did verify me, and disclosed that the call msy be monitored and recorded for quality assurance. But she didnt take that primr chance to inform me that this conmunication is from a debt collector, and any and all information obtained eill be used for that purpose. 
But i didnt say anything. 
She asked what she could do for me? Then she went ahead and informed me of my bakance, past due amount, next due date, all the infornation that I matched to the letter I recrived in the Mail. Although I dont think i mentioned having it to her. 

Next I asked her for the Original Creditor Agreement with the cards Terms and Conditions and the date, as I didnt believe they would send XXXX XXXX I asked For, or if so, I would have proof in writing from their own company that they cant both close my account and charge me like its open. 

And also realizing I was not mirandized I asked her by the way what her job title was. 2 or 3 times she tried to anseer with a we are ANSWER.

I asked if she was a debt collector multiple times. She didnt wish to tell me. 

Finally I asked if I want to make a payment right nowcould you take a paymeny from me? She answered yes. 

I then informed her that I knew my rights and that she never said the XXXX  XXXX to me. 
She apoligized for thr inconvenience but I said its more than just that its a violation of my rights under the FDCPA. 

Even then she did not think to attenot to XXXX  herself by mini XXXX  me then. She just never did. I asked to speak to a supervisor and was transferred to XXXX. 

I informed her Of what had occurred and that they just violated my rights, giving a chance for the company to possibly avoid all Of this by removing my accountnfrom my Credit bureaus alltogether, but I was denied. 

I said okay well I will have to go thriugh the prioer channels.

She said we have always Reporting this account correctly and will, to paraphrase, which immediately sounded like a threat they eerent going to stop. 
So I responded well then cease and desist at this point. 

And the CALL was ended.

Company response to consumer: Closed with explanation