Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
XXXX, I close the account on XX/XX/XXXX and I recorded the phone call because I had noticed they had tried to charge me an annual fee of {$99.00} so the management that I talked to told me that once the annual fee and my payment and pending charges that I had left to clear were all done. My remaining balance that I owed them would be {$200.00}. XXXX dont hold me close on the change cause Im not 100 % on that I do remember the XXXX XXXX my final bill was XXXX which was {$73.00} higher than I was assured XXXX then the company has blocked me access to my account online and thats the only way that I have ever paid my bill and the only way that I have ever been able to look at my pending charges and my current charges. XXXX didnt they turn around after they block my access and they have reported to the credit bureau that Im late making my payments because I cant sign into their Internet Ive got screenshots proving that Ive got recorded phone calls for the day. I closed the account. Ive got recorded phone calls every time I call since Ive closed the account because I just dont trust them XXXX they never post your payment until the day. Its due even if you pay it on the fourth and it clears your bank on the ninth they never post your payment until the XXXX XXXX which isnt fair to me because say I needed the money I have to wait till the XXXX to be able to access it because thats the day they release the funds into my account because thats the date they say that my Bank releases that the funds, but I know thats a lie because my bank releases the funds typically within XXXX to XXXX days from the date I make my payment. This has been an ongoing battle. They say that I have told them I have retained an attorney thats why they have blocked my access from the online account. I have never XXXX time mentioned an attorney. I did, however, say that I was reporting them to the XXXX XXXX XXXX and the consumer fair marketing act and the federal Retribution and I was disputing with the credit bureaus the amount they say that I owe XXXX I have XXXX credit cards with them. I have been charged late fees on both accounts, but they did reverse the late fees and open up access for me to make a payment on XXXX of my accounts and then yesterday they opened access to all of my accounts, but then when I ended my phone call yesterday they shut down my access again to be able to make my payments. I do not receive mail because I dont have a mailbox app. I do all of my bills on online because that way I get a confirmation number and I can screenshot that I made my payment because Concord credit is the worst agency Ive ever dealt with in my life to make payments. Get your credits and do business with altogether. I have begged them to unlock my access they dont. They have lied to me I have them on tape lied to me so I need help if theyre blocking my access to be able to make payments then technically I feel like I dont owe them anything because theyre blocking me the ability to make my payment like any other normal person does..

Company response to consumer: Closed with explanation