Consumer complaint received 2025-03-03 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: AL

Complaint narrative:
Milestone credit card ( Concora credit ) I received my new Milestone credit card and upon activation they took the expected fee of {$170.00} off the top of my limit leaving me with a balance of {$170.00} owed. I was aware that they would do this so this wasn't a problem for me. I immediately paid off the balance to take it to {$0.00} so I wouldn't gain interest on something such as a " Fee ''. I paid this balance XXXX weeks before any payment was even due. 

The payment processed through my bank account and it posted to my credit card balance and brought me down to a {$0.00} balance. 

A few days go by and I wake up to my bank account being credited the exact amount that I had paid to pay the cards balance to XXXX. So I immediately check on my credit card balance to see if there were any issues. My credit card showed that I still had a {$0.00} balance owed, and that my payment has been processed and posted. So I get on the phone and call Concord Credit to see if there was some kind of issue with my account. When on the phone with the representative, she stated that I did not owe anything and assured me that my balance was paid off. So I asked her to put a note on my account that I had called because the payment showed back up into my bank account. And that I called to pay it if there was some kind of glitch in their system. She agreed to notate my account and assured me everything would be fine and no fees would be acquired if something did happen. 

About XXXX  days later my credit card had that balance pop back up again. Along with a {$24.00} fee for a returned payment And so I paid it using my debit card to avoid anymore weird glitches. I paid the balance off, and brought it back to {$0.00} The balance was at {$0.00} and the the next day yet another {$24.00} fee is on my account saying that my payment for the {$24.00} had been returned for insufficient funds. Which absolutely not the case, I would not be paying my credit card payment XXXX weeks early if I did not have the money to cover it in the first place. That makes no logical sense that anybody would try to make a payment XXXX weeks early if they didn't have the money to clear the payment. 

I then call Concord Credit and ask them why I had another {$24.00} balance, they said that my payment got returned for insufficient funds. I explained to them that the money had absolutely 100 % been debited from my account and I had proof of that, it was not pending. It had posted it was cleared and gone from my account. 

I explained to them that I should never have even had that fee to begin with because of the glitch that happened when I made my payment to pay off my balance in the first place and it got taken out of my account and then sent back to my account. I told them they could look on my account and it should be notated that I called in because it had been put back into my bank, and they had said I didn't owe anything. 

Keep in mind I have never once still as of right now of the time of me writing this. I have never once used my card for anything. I got the card and immediately tried to pay off the balance. So I have paid this credit card company way more than I have ever even used from it. 

The customer service agent refused to drop the fee, And continuously said the same things over and over and over again. She would not listen to what I was saying and she said that there was no note on my account. The lady that was supposed to put the note on my account I guess never did. 

I had paid my balance down to zero, my balance was at zero and then the very next day my account had yet another charge for {$24.00} something that I had already paid and has already been taken out of my account but they absolutely refuse to take the charge off. They want me to pay yet another {$24.00} to them even though I have never used this card and even though I wasn't even late, I was paying my account early. 

The customer service agent eventually just put me on mute when I asked her if we could just end the call and I could please just take the survey because I had opted in to take the survey at the beginning of the call. She sat there waiting for me to just hang up because she did not want me to take that survey, I asked her over and over again. If she would please just end the call. She ended up rerouting me back to the main menu that you get when you call the number for the first time so that I could not take the survey because she knew what she was doing. 

This company is purposely sending money back to people when they pay their payments, and then charging them a {$24.00} fee They are scamming people and I can see right through it. 

Concord Credit needs to be investigated ASAP! I have all the proof I need that that money was absolutely taken out of my account and sat out of my account for almost 4 days and then got put back into my account. Yet they are saying that it never went through in the first place even though it had gotten credited to my account on my credit card and showed my balance at zero even when I called them to ask them to look into why the money got sent back to my bank account in the first place. 

There's clearly a scam and they are skimming {$24.00} off of people, and I'm sure I'm not the only one. And then they are turning around saying that it was returned and then they want you to pay another {$24.00} I've never even used this credit card! I was trying to be on the up and up with them and make sure my balance was at zero immediately after getting the card. And this is what they are doing!! I have now paid them. A total of {$220.00} Yet I have never even used this card, not even one single time!! 

I have bank statements, as well as screenshots from times I had paid my balance off. As well as my credit card statements proving that I paid it, and they accepted the payment and posted it to my credit card account.

Company response to consumer: Closed with monetary relief