Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Approx XX/XX/XXXX of 2025 a Concora representative mishandled my verification call. The agent mispronounced the name of XXXX XXXX, which triggered a false mismatch in their system, and skipped questions before I was finished answering. As a result, I was forced into an unnecessary verification process. 

I submitted my government-issued ID in good faith. Concora rejected it because it was expired and informed me I had 30 days to provide a renewed ID. In New York State, ID renewals currently take XXXX weeks, making compliance impossible. 

When I asked for my records, a representative told me I would need a subpoena. This is incorrectconsumers are entitled to their own records without a subpoena. 

Concora also blocked my online access to multiple active accounts, not just the one under review. Because I use online billing and do not receive paper statements, I can no longer view statements, see due dates, or make payments online. This places me at risk of late fees, penalty interest, and negative credit reporting, even though I am willing and able to pay on time. 

At this point, I am unable to properly manage my accounts or comply On [ insert date of call ], a Concora representative mishandled my verification call. The agent mispronounced the name of my county, which triggered a false mismatch in their system, and skipped questions before I was finished answering. As a result, I was forced into an unnecessary verification process. 

I submitted my government-issued ID in good faith. Concora rejected it because it was expired and informed me I had 30 days to provide a renewed ID. In New York State, ID renewals currently take XXXX weeks, making compliance impossible. 

When I asked for my records, a representative told me I would need a subpoena. This is incorrectconsumers are entitled to their own records without a subpoena. 

Concora also blocked my online access to multiple active accounts, not just the one under review. Because I use online billing and do not receive paper statements, I can no longer view statements, see due dates, or make payments online. This places me at risk of late fees, penalty interest, and negative credit reporting, even though I am willing and able to pay on time. 

These actions constitute violations of : - * * Fair Credit Reporting Act ( XXXX U.S.C. XXXX ( b ) ) * * failure to use reasonable procedures to assure maximum possible accuracy. 
- * * Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) * * misrepresentation of my right to access my own records without subpoena.

- * * Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) * * failure to maintain equitable and non-discriminatory consumer access. 
- * * Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) * * obstructing account access and creating barriers that effectively deny the ability to maintain credit. 
- * * New York State XXXX XXXX Access Standards * * imposing a XXXX deadline inconsistent with the states XXXX week ID renewal timeline, creating an unfair and impossible barrier to compliance. 

At this point, I am unable to properly manage my accounts or comply with their demands because of errors and barriers entirely caused by the companys representatives and policies. with their demands because of errors and barriers entirely caused by the companys representatives and policies.

Company response to consumer: Closed with explanation