Credit card -- Trouble using your card -- Complaint #9156783
Complaint Overview
Complaint ID: 9156783
Company: Clgf Holdco 1, LLC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Nevada
ZIP Code: 89102
Date Received: 2024-06-01T12:00:00-05:00
Date Sent to Company: 2024-06-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received my Destiny Mastercard from Concora Credit and have faced significant issues with using the card. Despite having sufficient credit available, nearly every transaction I attempt is declined due to alleged fraud alerts. These declines have occurred for both small and modest transactions, rendering the card effectively unusable. Each time a transaction is declined, I contact customer support. They inform me that a fraud alert has been triggered and instruct me to wait 24 hours before attempting to use the card again. Despite following these instructions, the same issue recurs with each attempt to use the card, even for low-value purchases. Support representatives claim that the fraud detection system is managed by Mastercard and can not be adjusted, which I believe is misleading. They also are unable to provide any information whatsoever as to what criteria determines the triggering of the fraud alert. Notably, my account has declined several transactions over {$20.00}, including a {$35.00} purchase at XXXX, while only approving smaller transactions under {$5.00} despite the fact that I had already shopped one time at XXXX for ~ {$17.00}. This inconsistency is perplexing and has caused significant inconvenience. I have attached a screenshot of my transaction history, highlighting these issues. Furthermore, the card carries a significant annual fee of {$120.00}, which was charged upfront. Due to the ongoing transaction issues, I have not been able to effectively use the card in the slightest, making this fee unjustifiable. I believe Concora Credit is not acting in good faith and is engaging in predatory practices by collecting fees without providing a usable service. I request a full refund of the annual fee, a review, and adjustment of the fraud detection settings, and a clear explanation of the criteria used for fraud alerts. I have searched XXXX, and it is quite clear this is not a problem isolated to myself.
Frequently Asked Questions
What is Complaint #9156783 about?
Complaint #9156783 was filed against Clgf Holdco 1, LLC regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-06-01T12:00:00-05:00.
How did Clgf Holdco 1, LLC respond to this complaint?
The company responded with: "Closed with monetary relief". 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.