Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I have every statement showing I was never over the limit but once. This company gave me a one time courtesy and waived that fee. Being the same day that payment was returned I increased it and made another {$330.00} payment on that very same day that the {$210.00} was refunded. I had a credit limit of {$700.00} when I received card in XXXX it had approximately {$540.00} left from the fees company charged in the beginning.then I had to make a payment that very same month on XX/XX/XXXX at XXXXXXXX XXXX I made a payment of {$80.00} I thought that was weird to have to make payments and not have the account 30days but I paid it and have that statement. Then on XX/XX/XXXX the XXXX payment that was never ever spoke of at XXXX I made another payment of {$200.00} and I have proof of that. Then on on XX/XX/XXXX I had scheduled a payment prior on XX/XX/year> for {$210.00} to come out of checking account that was returned and had received a return check fee that was later waived but the rude customer service said to me that since I questioned them about my payments she was going to return that fee and it would destroy my credit if I did not pay more money to bring balance down. The very same day check was returned I submitted another payment of {$330.00} at XXXX XXXX This company shut me out of said account on XX/XX/XXXX because I called them questioning there intent with me and asked them politely to send me an itemized list. Because every statement since having there card has not had me over the limit. And this company know that I declined there over draft protection simply because I have other cards I could use and I would not want to go over to recieve excessive fees. Also I work 6 days a week and do not get to shop often is why I knew there story is in fact not true. If there was no bad intent why would you close me out of my account to not be able to set up payments? After I told them I would be seeking legal advice this man told me he no longer would allow me to call the company and Locked me out of my account.This company is very unprofessional and is not good to do any business with. If what Concora is stating is true then I need them to explain why did there monthly statements not show that I was in fact over the limit and it has been 4 months of statements? I feel that if we can not come to an agreement then I am entitled to seek justice for myself. I want them to explain why 4 months of statements dont show I went over the limit of a starting amount of {$540.00} but a {$700.00} credit limit? Explain why my bank statements do not show me being over the credit limit? I also want to know why are they trying to pull my credit score low by not reporting payments that was paid? My bank statements I pulled shows every single payment I made and why didnt you send me a {$690.00} balance if your claiming I owed over {$1000.00}? Then after you view the emails sent each month please deduct each payment from statement balance and make this make sense, there is no way that I should still owe you {$670.00} semi dollars after my last payment of {$330.00} that was never deducted from reporting balance even on my credit report it stayed the same. It looks like something is wrong on your end! My calculations comes out that I owe your company {$360.00} and that is what I would like to pay and move on! See attachments!!

Company response to consumer: Closed with explanation