ComplaintsforConcora Credit Inc.

• Initial Complaint

  04/10/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I applied for an Indigo Mastercard issued by Concora Credit. I was approved but was never informed about the credit limit. I found out it was a very low amount so I immediately called and cancelled. I received a letter stating the account was cancelled. I did not receive a card.Today however I received an email with a ***** amount due. I tried calling numerous times but they always have "technical difficulities" and ask to call back later.

  Business response

  04/19/2024

  Please see attached response.

   

  Sincerely,

  Concora Credit Inc.

  Customer response

  04/19/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************************

• Initial Complaint

  04/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I applied for a Milestone credit card on 3/8/2024. I received a letter via email on 3/9/2024 stating I had to send in a copy of my ID and a utility bill. I sent my id and copy of a payment verification letter from my gas company. I called in for 7 days straight and was NEVER told those documents were not acceptable. In 3/18/2024 I called in and was advised that the docs were unacceptable! I was shocked! I had called in all those days prior and NOBODY said anything about that. I was angry! ******* said to me I needed to send in more docs and that I WOULD BE APPROVED as soon as I sent in the docs. That statement made me feel a little better about sending in more docs. I faxed over a FULL gas bill, my ID and a fax cover letter on 3/18/2024. I have called in 20 times since then to get the status and have been getting the run around NONE of the reps give correct info, Ive been told someone would call me back-still nothing. This company has been no help, have lied about my application, and have been negligent with providing updates.

  Business response

  04/19/2024

  Please see attached response.

   

  Sincerely,

  Concora Credit Inc.

  Customer response

  04/19/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************************

• Initial Complaint

  04/05/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I found on my TransUnion credit report that TBOM/Milestone ************ Missouri) accessed my credit report on 3/29/24 and 4/5/24, without my consent; and with whom I do not have any relationship with since October 2021. Now suddenly inquires are appearing. I contacted Milestone which was previously Genesis and is now Concordia or something like that and the first agent, after spending 30 minutes explaining, kept parroting we are not a credit bureau and contact them when I kept explicitly asking you are the creditor receiving the report as per TransUnion. I was hung up on; called back in; got another agent who didnt seem to understand English or comprehension for the matter either, and asked for my full SSN as I again kept stating this could be fraudulent as I am not applying. This agent, at least, confirmed my October 2021 account was still closed and no new cards opened but kept asking for a letter with some code or the equivalent to which I do not have nor ever received. This company cannot confirm, even after disclosing my full SSN, who and where and when and why and how caused TWO INQUIRIES bcuz I do not have a document(s) associated with it. Again, I reiterate I have NO KNOWLEDGE of this and used the verbiage of this is fraud potentially multiple and countless times to where the agent FINALLY was able to confirm that there is not currently an open account and to contact the credit bureaus as we just report nothing more. That is not true. Otherwise you wouldnt be showing on my TransUnion report.After seeing the other BBB complaints, Im definitely not alone and there is definitely something going on here. Unexplained balances not honoring payments and now cannot or will not disclose where and when an application I DID NOT DO occurred to prevent fraud? This is their reaction of oh well deal with it??? We have laws and regulations in the *** for this and their untrained non-English folks need to be trained fast and I want answers.

  Business response

  04/18/2024

  Please see attached response.

   

  Sincerely,

  Concora Credit Inc.

  Customer response

  04/18/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********.  I am not sure why this couldnt have been provided by the agents, however it is evident that the language barriers between the agents in call centers overseas and *** customers is a primary cause of these issues. 
  

  I encourage you to retrain, review, and frankly ensure people can communicate.  These agents have no ability to speak except from a script and any deviating causes confusion.  
  

  Case in Point: it took a BBB complaint just to get a straight answer of yes or no if there were additional applications being made in my name.  One phone call and should have been resolved but when you are trying to speak with people who do not understand the English language, this is the result.  What a waste of time and resources just to provide me the answer of no, we have not had an application.  Again j encourage your company to consider ALL these complaints and realize your customer service needs a major overhaul  
  

  Thank you for your time and I shall consider this closed.  
  
  Sincerely,
  
  **********************************************

• Initial Complaint

  04/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I made a payment to my credit card on march 22, 2024 and march 27, 2024. I have also received a refund from Saks Fifth on march 21, 2024 and NONE OF THESE PAYMENTS HAVE BEEN POSTED TO MY AVAILABLE CREDIT! These payments have already been taken out of my bank account and cleared through my bank! I have never had a company take so long to process a payment! What is going on?? Ive tried calling and Ive been given BS about it taking up to 30 days for a payment to post but on their website it says if a payment is made before 8pm then the payment will be posted on the same day, which is clearly FALSE!

  Business response

  04/16/2024

  Please see attached response.

   

  Sincerely,

  Concora Credit Inc.

• Initial Complaint

  04/03/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have a credit card account with ******** changed my address in February. I waited for my ********* never came. I called them back this ************ said there is a block on my card for changing my address. When I ordered my card over the phone they never told me that & my ID isnt going to have my new address on it already. They wont let me confirm my address with my PG&e bill, but how would my ID already say my new address when I just moved. Plus the money to fax a paper over. I should be able to email it over or my PG&E bill.

  Business response

  04/16/2024

  Please see attached response.

   

  Sincerely,

  Concora Credit Inc.

• Initial Complaint

  04/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I made four $50 payments each, but they are not showing these payments after contacting the company several times. I have contacted my bank to verify the transaction and the bank shows the payments have been processed. My bank reversed one of the payments for March as it showed a duplicate payment. Concora seems unwilling to research this issue any further on their end and continues to tell me they have not received payment and want me to continue making payments. I do not wish to continue making payments to this company if this continues to be an issue.

  Business response

  04/17/2024

  Please see attached response.

   

  Sincerely,

  Concora Credit Inc.

  Customer response

  04/17/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  04/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In October 2023, I took a debt consolidation loan from Upgrade LLC. As part of this loan I wanted to pay off the card I had with ****** Home Store for $4000. I inadvertently sent the payment to the account with Concora Credit (we had two accounts with ****** from different lenders apparently). We contacted Concora in November to inform them of this mistake. They stated they would return the payment by check within 45 days. In January I reached out as I hadn't received the check from them. They then stated that the payment had been returned electronically back to the originator instead of to me. I contacted Upgrade who stated they had received nothing back and don't accept electronic returns so the attempt to return the payment would have been rejected back to Concora. I've spent months going back and forth with Concora and Upgrade and nobody can tell me where my $4000 payment.

  Business response

  04/16/2024

  Please see attached response.

   

  Sincerely,

  Concora Credit Inc.

  Customer response

  04/23/2024

  All their response has done is rehash what I've already been told over and over again. I've spoken with them repeatedly and they can't give me a straight answer on where the money was returned to. They just say bill pay service without providing any detail. The money is missing. It was never received by the originator. 

• Initial Complaint

  04/02/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Opened a line of credit of 1000 through online offer through reputable website, when I called to activate the card the 250 dollar annual fee was added to the amount, this was not clear in the terms as it stated that it was a monthly fee not a annual. This was further explained by the associate when I called to activate the card. The associate also mentioned that I had an available cash advance of 100 dollars every 24 hours. I withdrew 100 dollars and need to the same the next day and my cash advance was declined because high risk fraud and there was not way to lift it. Several associates communicated to me that the information provided to me was correct that I have the ability to withdraw 100 every 24 hours but would not guarantee that I could complete my transaction. They suggested using unsecured ways to transfer funds such as cash app or suspicious activity such as going to make a purchase just to get cash back. I was told to try several different atms and make multiple attempts to withdraw the funds needed for an emergency. I asked if I should call Mastercard they told me no. When asked what was high risk they would not give me an explanation. Then they told me that I can make my next cash advance after my next billing cycle, when I asked where this was in the terms and agreement or is this different than the information provided to me just ******************************************************************************************************** about the 100 dollar cash advance every 24 hours was correct. Pressed them on the card holder agreement and where it states that I could not use all of my card benefits until after the first billing cycle they didnt provide an answer. This practice is very predatory with high interest rates and misleading marketing to confuse consumers to agree to loan shark type of terms.

  Business response

  04/12/2024

  Please see attached response.

   

  Sincerely,

  Concora Credit Inc.

• Initial Complaint

  04/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was approved for a credit line with Destiny Mastercard on March 9th 2024. My card was to be mailed out within ***** business days. I did not receive my card until March 19th which was fine. I then proceeded to make purchases of course. During this time on my account there was no due date available or statement cycle posted. Like with most new credit cards you typically have a 30 day billing cycle. On March 26th my account was updated with a statement to my surprise. My closing date was now posted thus reflecting a high balance had I known this prior I would have paid before it posted again there was no due date at all on the account . Ive had the card for less than 30 days and already have a statement? I called and spoke to a representative she assured me my account would report a $0 balance for the month of March due to me not having the card for 30days. Which was still incorrect because they did charge me my annual fee of $175 after I explained everything throughly she also agreed and said yea thats weird we usually give you 30days before posting a statement Today 4/2/24 I checked my credit report and it was reported with that balance after I was assured it would not be. I called again and the new representative said the complete opposite spoke to his supervisor and was told when I signed my agreement I agreed that they can report my account to the credit bureaus etc etc. duh of course when the information is reported correctly yes I did but not this. I got this card to help build my credit not make it worse and now my score has dropped significantly due to this. Im not sure what can rectify this,but I do believe they need to take some form of accountability and I know I was on a recorded line both times.

  Business response

  04/12/2024

  Please see attached response.

   

  Sincerely,

  Concora Credit Inc.

• Initial Complaint

  04/02/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I received a statement from Concora credit on 04/01/2024 stating that my payment is $0.00 which is good, because I never applied for credit. I called them to talk to someone who could settle this matter for me, but the teleoperator just kept asking for my social security number, so I hung up figuring that it's some kind of scam. I never applied for credit with this company and I don't want any.

  Business response

  04/12/2024

  Please see attached response.

   

  Sincerely,

  Concora Credit Inc.

  Customer response

  04/12/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩