Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have been enrolled in automatic payments on my XXXX account, Concora Credit, since the month of the account inception, XXXX of last year, 2024. Earlier this year, on their app ( visible on their app ) they said they took the payment, credited the account, and stated that I did not owe any other payment for the billing period. I then watched my bank account for the next few days, up until a full calendar week. The payment was never debited from my account. During that week, while I was checking daily for the amount to be taken out of my bank account, I checked periodically with the XXXX  app and the app still stated that I had made the payment and that I did not owe anything. However, XXXX full week later, after seeing the amount still had not been debited from my bank account, I checked the XXXX  app ; it said I never made the payment and that I was past due and owed a late fee now, as a result. I called XXXX, I was upset, and after several attempts they agreed to debit my bank account and remove the late fee. Well, it happened again last month and now again this month. 
XX/XX/XXXX of this year, I received a notification from XXXX, once again, stating they had debited my bank account for the current month 's payment and that I was paid up for the month, etc. It was XXXX XXXX weekend so I assumed it would take a few days for the amount to be officially debited from my bank account, I checked my bank account and patiently waited and continued to check my bank account for the removal of the funds for the said XXXX payment ; however, yet again, this never occurred. This time I was angry, so I just made a one-time immediate payment to cover the amount owed and fee. It was immediately debuted from my bank account the next day. After this, XXXX 's monthly payment due date came, and I received the same messages from XXXX that the payment went through, my bank account would be debited, and that I did not owe any money whatsoever. 
Please keep in mind ; earlier this year in XXXX, again in XXXX, and again in XXXX, I had plenty of funds in my bank account. My other credit card companies were all able to debit their monthly payments from my bank account. It appears and seems obvious that Concora Credit - XXXX- is doing this on purpose in order to collect late fees. They have many many complaints about this listed all over the internet, many XXXX reviews as a result. When I opened the card there were only a few reviews written and they were generally very nice and positive. Please help me with this and please help protect others who may, unsuspecting of Concora 's deceptive practices, sign up for their services and be swindled out of late fees every month for no justified reason whatsoever. I have screenshots and can print out daily balances for my bank account upon request, I do have that information, if it is needed. 
Thank you so much for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation