Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I opened an account with indigo less than a month ago and I just received my card a week ago and I have had nothing but problems with concordia credit services with indigo MasterCard, and the card itself since I received the card. The card is inoperable often declining when the money shows as being present. I needed to make purchases with the card that I obtained but was turned away at most transactional events. I spoke with concordia on XXXX to XXXX separate occasions about the car being blocked declining and they stated that they required I submit my identification and that the card had fraudulent activity repeatedly so the card was blocked from my usage. I was not allowed to use it. However, someone else began using my card and I was not able to stop it. I called concordia and they said indeed a block was put on and they did not keep their contractual end of the bargain by allowing me to use the card for purposes that I deemed necessary instead, they decided when the card would work. This is an entire breach of the contract that I signed when getting the credit card and this goes against all things that the credit card is supposed to be used for, but when called and ask why with concordia they simply stated that its a safety precaution. A safety precaution does not mean that the card does not work at all. They violated the 30 day rule that I could cancel the card which I asked could I do instead the agent got into a yelling match with me saying that I was wrong. When all I was trying to do was seek clarity. Concordia is not ethical and their business dealings knowing full well that they are allowing people credit lines, then disallowing them for use then and in return, they are able to collect the annual fee and all the fees associated with the card while still not allowing the consumer to use the card for their own purposes. This is unethical this is fraudulent and this is a misrepresentation, and if Ive known these things I would not have ever gotten the card. I asked to close the account because of the breach of contract by concordia and they insisted that they had not breached anything when really they had, including not allowing me to use a card then imposing it off as being fraudulent so that I can not use the card. Do not ever use indigo I was hustled into getting this card thinking that they would do good business and surely enough they do not. I spoke with XXXX different agents and nobody was able to help me with my issues instead they are saying give them XXXX to XXXX to XXXX business days to rectify my situation. This is unethical, this is stealing from the consumers, knowing that she would not allow us to use a card, and the agents are not equipped with helping or resolving any disputes. Indigo needs to be closed and no one ever need to get a credit card from this unethical company of all companies. They are stealing from consumers, taking the annual fees up front and breaching consumer contracts then posing off as them trying to help. Indigo is a tyrant of a credit card company. Im filing with my lawyer. They are the worst!

That Concordia close my account in the first XXXX XXXX without penalty and remove the inquiry from my credit report since they knew they dont do good business. The reason the card was flagged and closed was because of the XXXX purchase I was able to make then returned. Concordia blocked my card without any contact to me prior to. I wanted this interaction with Concordia bank and indigo legally rescinded as if it never happened putting both parties to how they were prior to contracting over this idiotic credit card. I pay no annual fees or any fees only the past due balance. I want this interaction over with and Concordia investigated for unethical and ill interactions taking advantage of people they deem less than smart because we are rebuilding our credits. Thats a bias.

Company response to consumer: Closed with explanation