Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
Company : The XXXX XXXX XXXX ( Issuer ) Additional Company Mentioned : Concora Credit Inc. ( Servicer for Milestone Mastercard ) Product : Credit Card ( Milestone Mastercard ) Complaint Narrative I am filing a complaint regarding a fraudulent Milestone Mastercard account that was opened in my name by The XXXX XXXX XXXX ( issuer ) and is serviced by Concora Credit Inc . 

Chronology of Events : Friday evening, XX/XX/XXXX ( Hawaii XXXX ) : I was alerted to a fraudulent credit application made in my name through Milestone Mastercard. When I accessed the account via Concora online, I noticed it had been approved for a {$700.00} credit line, and the mailing address used to apply on file belonged to another person in Maryland. 

Using the phone number provided on the internet, I accessed the automated system and successfully froze the card to prevent use. 

Early morning, XX/XX/XXXX : I called The XXXX XXXX XXXX  as soon as their business hours opened and explicitly reported the fraud. I was told the card would be stopped and that I would receive an affidavit affirming it was a fraudulent application and to dispute the account. Must be noted that at XXXX ( Hawaii XXXX ) on the same morning, I received an email from Concora Credit stating an application for an Indigo Mastercard issued by XXXX XXXX was denied. The address on the letterhead was the same as the one used to obtain the Milestone card. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX, MD XXXX ) Monday morning, XX/XX/XXXX : Despite my prior fraud report, I received an email congratulating me that my Milestone Mastercard account had been opened, instructing me to register the card. 

I accessed the online account again and saw a {$120.00} annual fee charged to the account, even though I had already reported it as fraud. 

I called the same phone number I had previously used to freeze the account. This time, the automated system prompted me again with an option to press 3 to freeze the card. This indicated that the account had somehow been unfrozen and was again available for use. 

When I attempted to freeze the account again, the system stated business hours are closed. I also attempted to report unrecognized charges, but the system again responded that business hours are closed. This left me with no way to secure my identity or account in real time. 

Why This Is a Serious Issue 1. Negligence after prior notice The bank opened and activated an account after I had already reported it as fraudulent. 


2. Unauthorized charges A {$120.00} annual fee was billed to a fraudulent account. 


3. Failure of fraud reporting system Fraud reporting and account freezing were not accessible outside business hours, which is unacceptable given the urgency of identity theft. 


4. Risk of financial harm My identity remains at risk, and the fraudulent account could negatively impact my credit report.

Company response to consumer: Closed with non-monetary relief