Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
Concerns : Failure to Properly Investigate Fraudulent Charges, Failure to Provide Required Dispute Documentation, and Risk of Improper Credit Reporting I am filing this complaint against Concora Credit regarding its handling of a fraud dispute involving unauthorized transactions on my credit card account. I have not used this credit card since XX/XX/year>. My last legitimate payment on the account was made on XX/XX/year>. In XX/XX/year>, I discovered multiple unauthorized charges totaling approximately {$800.00}. Upon discovering the fraud, I immediately contacted Concora Credit and reported the transactions as unauthorized. During that call, my card was closed and replaced due to the fraudulent activity. Since reporting the fraud, Concora Credit has failed to provide adequate communication regarding the status of the investigation. Specifically : I have never received a written acknowledgment of my dispute. I have never received any written request for information. I have never received any written determination regarding the investigation. I have never received copies of any evidence used to evaluate or deny my claim. I have never received provisional credit. I have never received clear guidance regarding payment obligations while the account balance remains under dispute. After several weeks without communication, I contacted Concora Credit to request an update. I was informed that my fraud claim had been denied because the company believed I had made a payment after the fraudulent charges occurred. This information is inaccurate. I did not make any payment that would indicate responsibility for or acceptance of these fraudulent transactions. When I challenged this information, I was told that my dispute would be reopened. Despite the claim being reopened, I continue to receive no written correspondence regarding the status of the investigation. My minimum payment is due within days. The balance currently consists entirely of charges that I have reported as fraudulent and unauthorized. I am now being forced into an impossible position because Concora Credit has failed to explain whether making a payment will affect my dispute rights or whether withholding payment will result in late fees, interest charges, negative credit reporting, or collection activity. I am concerned that Concora Credit has failed to conduct a reasonable investigation and has failed to provide the communications necessary for me to understand or challenge its findings. I am requesting that Concora Credit : Provide a complete written explanation of the original denial. Provide all records, documents, and evidence relied upon in denying the fraud claim. Correct any inaccurate information regarding alleged payments used as a basis for denial. Conduct a full reinvestigation of the unauthorized transactions. Suspend adverse credit reporting, late fees, interest charges, and collection activity while the fraud investigation remains unresolved. Remove all unauthorized charges from my account. Confirm in writing the status of the dispute and my obligations while the investigation is pending. I reported these charges promptly, cooperated fully, and have repeatedly attempted to obtain information regarding the status of my claim. To date, Concora Credit has failed to provide meaningful communication or documentation regarding this matter. I am requesting CFPB assistance to obtain a fair resolution.

Company response to consumer: Closed with explanation