Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
Concora Credit has engaged in a series of unfair billing and servicing practices that have damaged my credit and cut me off from basic information about my own account. Most recently, Concora has refused to provide me with my own credit card account number upon request. I am the cardholder. There is no legitimate basis for a creditor to withhold a consumer 's own account number from the consumer on the account, yet Concora has done exactly that. This refusal is part of a broader pattern. Concora improperly flagged my credit card account as being represented by an attorney when no such representation exists or was ever communicated by me. At no point in any communication with Concora verbal or written did I state, imply, or otherwise indicate that I was represented by an attorney. I have never retained counsel in connection with this account. Concora has not provided me with any documentation supporting the basis for this flag. As a result of this erroneous flag, Concora : - Never sent me a single periodic billing statement by mail or email, in apparent violation of the Truth in Lending Act and Regulation Z ( 12 CFR 1026.5 ( b ) ( 2 ) ( i ) ). - Never sent a payment confirmation or receipt of any kind. - Never called me regarding the account. - Suspended my online account access so I could not view my balance, due date, or statements. - Never told me any of this was happening. - Has now refused to provide me with my own account number upon direct request. At the same time, Concora has continued to send me marketing emails offering new credit card products. In other words, Concora 's communication systems were fully operational and were being used to market to me, while the legally required billing communications were selectively withheld. This was not a global suspension of contact and it was not a technical problem. It was a deliberate choice to send me the communications Concora wanted to send and withhold the communications Concora was required to send. Because I received no billing statements and no other servicing communications from Concora, I had no way to know a payment was due. I only learned there was a problem when my credit monitoring service alerted me that Concora had reported my account as 30 days past due to the credit bureaus. I called Concora immediately. Only then did a representative tell me the account had been placed in 'represented by attorney ' status, which was the reason I had not received any communications. I believe this conduct raises serious concerns under federal consumer protection law, including : - Regulation Z / TILA : Concora 's failure to deliver periodic billing statements for each billing cycle. - UDAAP ( Consumer Financial Protection Act ) : Concora 's selective suppression of legally required billing communications while continuing to send marketing communications through the same channels and its refusal to provide me with my own account number, caused a 30-day late mark I had no reasonable ability to avoid. - FCRA : Concora 's furnishing of a 30-day delinquency to the credit bureaus when the delinquency was caused by Concora 's own suppression of the statements required to bill me. I am demanding the following : 1. That Concora immediately and permanently remove the 30-day late payment from my credit profile with XXXX, XXXX, and XXXX. The delinquency was caused entirely by Concora 's unfair billing practices specifically, suppressing the billing statements and account access I was legally entitled to while continuing to market to me through the same channels and not by any failure on my part. Reporting this delinquency is both inaccurate under the FCRA and the direct product of the unfair practice itself. 2. That Concora immediately provide me with my full account number, in writing. 3. That Concora immediately remove the erroneous 'represented by attorney ' flag from my account and restore full account access and communications. 4. That Concora provide me, in writing, the source and documentation of the flag, the exact dates on which billing communications and statements were suppressed, and copies of all billing statements that were suppressed during that period. 5. That Concora waive any late fees, interest, penalty APR, or other charges assessed during the period when statements were suppressed.

Company response to consumer: Closed with explanation