Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding my experiences with XXXX XXXX XXXX the issuer of my XXXX XXXX. I have been a cardholder since XXXX of this year and have consistently made all required minimum payments by their due dates. Despite my diligence in managing my account, I have encountered several issues that have caused significant distress and confusion. 

On XX/XX/year>, I made a payment of {$40.00} using my XXXX checking account. My statement confirmed that this payment was received and posted correctly. However, on XX/XX/year>, XXXX unauthorized ACH XXXX  withdrawals totaling {$80.00} were made from my account, despite the fact that my payment had already been posted. I promptly disputed these transactions with my bank, and they ruled in my favor, crediting the {$80.00} back to my account. 

On XX/XX/year>, I received an email stating that my account was {$80.00} past due. When I contacted Concora Credit to address this discrepancy, I was informed that the charge still stood and that a late fee might be applied. I have all my statements and email correspondence that reflect my consistent payments and the issues I have been experiencing. 

It is important to note that I have not authorized Concora Credit to make these transactions from my checking account. I attempted to resolve this issue by calling Concora Credit twice. On my second call, a supervisor assured me that the late payment would be credited back to my account, but I have yet to see any action taken. 

On XX/XX/year>, I was unable to log into my account because it was restricted. When I spoke to a supervisor, I was informed that my account had been blocked from my accessing it because I had mentioned seeking legal advocacy to better understand the situation. I requested a written statement clearly stating that the restriction was due to my seeking legal advocacy, but I have not received this document. I did, however, record the conversation. 

On XX/XX/year>, I called Concora Credit again and was disconnected after requesting to speak with the fraud department to dispute the activity on my account. When I called back, after a lengthy and repetitive conversation with customer support, I was finally ( supposedly ) transferred to the fraud department. I was informed that I could not dispute the activity because I had screenshots of two statements from the same statement period with different information, one of which was before my account was blocked.

I am extremely concerned about the lack of transparency and the apparent retaliation I have experienced from Concora Credit. I have screenshots of my statements and correspondence, but my account has been blocked, preventing me from accessing any further information. I am seeking your assistance to resolve this matter and to ensure that Concora Credit adheres to fair and transparent practices.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with monetary relief