Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am disputing continued over-limit fees, monthly Credit Protection fees, and late-payment reporting after my account was officially closed in XX/XX/XXXX. 

Key timeline & evidence XX/XX/XXXX XXXX  tradeline lists Date Closed : XX/XX/XXXX. ( See attached screenshot. ) Monthly statements through XXXX clearly display the clause : If you close your Accountthe renewal Annual Fee and/or Monthly Fee will not be charged to your Account. 

XX/XX/XXXX Company claims I opted-in to Over-limit Coverage and Credit Protection when I applied, but has provided no documentary proof ( no signed form, XXXX XXXX, or screenshot ). 

XXXX XXXX XX/XX/XXXX Account statements show recurring : Over-limit fee ( {$3500.00} ) every month Credit Protection fee ( ~ {$8.00} ) every month XXXX XXXX Company refunded only XXXX over-limit fees after my prior CFPB complaint but left earlier fees and all Credit Protection fees in place. 

XX/XX/XXXX First delinquency reported ( XXXX late ) even though the balance consisted largely of disputed fees billed 14 months after closure. 

Why the fees and late reporting are unlawful Breach of contract / unfair practice : The issuers own monthly statements promise no monthly fees after closure, yet they continue to bill Credit Protection and over-limit fees. 

CARD Act / XXXX XXXX XXXX violations : Over-limit fees require affirmative opt-in. No proof provided. 

Even with opt-in, issuer may charge at most two additional cycles for a single over-limit event. I was charged more than 12 consecutive cycles.

Add-on product guidance : Credit Protection is an optional product that provides no benefit on a closed, transaction-blocked account ; continued billing is an unfair junk fee. 

Fair Credit Reporting Act ( FCRA ) : Late-payment marks and Amount Past Due {$120.00} are inaccurate because the balance is inflated by fees that violate the contract and TILA. 

What I am asking the company to do Provide documentary proof of my alleged XX/XX/XXXX opt-in ( signed form, IP log, or recorded call ). 

Refund all over-limit and Credit Protection fees billed after XX/XX/XXXX ( closure date ) and adjust the balance accordingly. 

Remove or correct late-payment notations and utilization data tied to those unlawful fees. 

Provide a written explanation reconciling the XXXX  Date Closed : XX/XX/XXXX with the companys prior claim that the account was closed on XX/XX/XXXX. 

Attachments Screenshot of XXXX  tradeline showing Date Closed XX/XX/XXXX Sample statement ( XX/XX/XXXX ) with Account is currently CLOSED banner and no-fee clause highlighted Company response letter dated XX/XX/XXXX ( credits only XXXX fees ; inconsistent closure date ) Desired resolution Full reversal of all unlawful fees after closure Correction of credit-bureau data ( deletion of late marks or trade-line if necessary ) Written confirmation that the account balance and reporting comply with TILA, CARD Act, and the Credit Card Agreement.

Company response to consumer: Closed with explanation