Credit card -- Struggling to pay your bill -- Complaint #18208426
Complaint Overview
Complaint ID: 18208426
Company: Clgf Holdco 1, LLC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-Issue: Credit card company won't work with you while you're going through financial hardship
State: Florida
ZIP Code: 333XX
Date Received: 2025-12-21T12:00:00-05:00
Date Sent to Company: 2025-12-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I proactively notified the company of a temporary, involuntary financial hardship that disrupted my income and requested hardship accommodations. I also requested written confirmation of how my account would be reported to the credit bureaus while the hardship request was under review. Despite having notice of the hardship and the information request, the company did not provide written confirmation of reporting treatment or clarify whether negative reporting would occur during the review period. While my hardship request and information request were unresolved, the company reported my account as 30 days late. This reporting occurred without responding to my request for clarification and after the company had notice of the temporary hardship, creating a risk of inaccurate or misleading credit reporting under the Fair Credit Reporting Act because the reporting did not reflect the pending hardship review or unresolved request for information. I am not refusing to pay. I am requesting accurate reporting and fair treatment during a documented temporary hardship period and clarification of how my account is reported when a hardship review and information request are pending.
Frequently Asked Questions
What is Complaint #18208426 about?
Complaint #18208426 was filed against Clgf Holdco 1, LLC regarding Credit card specifically about Struggling to pay your bill. It was received by the CFPB on 2025-12-21T12:00:00-05:00.
How did Clgf Holdco 1, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Clgf Holdco 1, LLC?
Yes, visit the Clgf Holdco 1, LLC company profile at readthecomplaint.com/company/clgf-holdco-1-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.