Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Complaint Against : Concora Credit / Milestone Mastercard ( issued by The XXXX XXXX XXXX  ) Summary of Complaint : I am filing this complaint for violations of the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and Consumer Financial Protection Act ( CFPA ). 

On XX/XX/year>, I made a payment of {$1100.00} ( Confirmation # XXXX ) to my Milestone Mastercard. The payment was initially accepted. On XX/XX/year>, Concora Credit internally reversed that payment without notifying me by any means. When I discovered the issue on XX/XX/XXXX, I immediately made corrective payments and ultimately paid the account in full. 

On XX/XX/year>, I spoke by phone with Concora Credit representative XXXX ( Operator # XXXX ) who admitted the lack of notice, agreed to waive improper fees, and stated that Concora would file a dispute with the credit bureaus to correct the false 30-day-late reporting. ( See Exhibit E Call Notes with Concora Credit Representative. ) Despite these facts, Concora Credit/Milestone reported my account as 30 days late, which is inaccurate and misleading. 

On XX/XX/year>, I sent a certified FCRA/FCBA demand letter with supporting documentation demanding correction. On XX/XX/year>, Concora verified the inaccurate reporting as accurate, ignoring the evidence and its own representatives admission. 

After I referenced legal action in a follow-up call, Concora blocked my online access to all three of my accounts, including paid-off accounts that were not in dispute. A representative confirmed this was done because I threatened legal action. This constitutes retaliation for exercising my rights under federal law. 

Violations : FCRA 1681s-2 ( b ) : Failure to conduct a reasonable investigation.

FCBA 1666 : Failure to notify and correct a billing error. 

CFPA 5531 : Unfair and retaliatory practice restricting account access. 

Harm : My XXXX  score fell from XXXX to XXXX, materially harming my ability to obtain credit. 

I lost access to my own account information and was deprived of the ability to monitor balances and reporting accuracy. 

Requested Resolution : Immediate removal of the 30-day late notation from all credit bureaus. 

Written confirmation that all accounts are paid in full and current. 

Restoration of online access or a written explanation for its denial. 

Assurance that retaliation for exercising consumer rights will cease. 

Attachments Provided : Exhibit A Certified Dispute Letter ( XX/XX/year> ) Exhibit B Payment Confirmation ( XX/XX/year> ) Exhibit C Milestone Denial Letter ( XX/XX/year> ) Exhibit D Credit Score Evidence ( XXXX XXXX drop ) Exhibit E Call Notes with Concora Credit Representative ( XX/XX/year> ) Exhibit F Account Access Lockout Documentation ( if available ) These exhibits collectively show that I made timely payment, Concora Credit failed to notify me of a reversal, admitted its error, and then retaliated after I exercised my legal rights.

Company response to consumer: Closed with explanation