Complaints

This profile includes complaints for Concora Credit Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Concora Credit Inc.

  14600 NW Greenbrier Pkwy Beaverton, OR 97006-5745

  
• 

  Genesis Financial Services

  PO BOX 205458 DALLAS, TX 75320

• 

  Genesis Financial Services

  P.O. Box 2045458 Dallas, TX 75320

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:07/09/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was approved for a Milestone credit card from this company with a $1500 limit. They immediately charge a $175 annual fee. I used the card at a doctor's office for $30 on 6/28/25. On 7/4/25 I made an online payment of $55 before I had even received a bill due notice. On 7/9/25 that card was declined. I called the customer service number and was told fraud had been committed and the account was closed. They said they could not tell me anything else, but that I could resolve it by uploading "official identifying documents". They mentioned REALID drivers license or passports, They also said they had mailed a letter explaining the fraud. That will take days or possibly weeks. I then called the Concora number to see what they could tell me. The first ****** said her system was down and to hang up and call back. I did and got the robo menu which had no options for why I was calling, just make a payment options. After a couple more attempts, I got to speak to a third ******. Again I was presented with fraud was committed, they can tell me nothing else and I'd get a letter someday. I asked if the annual fee was still going to be charged since the card was now suspended. They would not say but repeated that I could upload the "acceptable ids" and resolve the matter. I asked if this was part of the Trumpian/GOP thing of freezing accounts I have heard about by some banks like *************** was now doing. They would neither confirm or deny. This company seems shady at best. I'd like $25 refunded of the $55 I paid and a removal of the $175 annual fee they charged to the account for a credit card that is unusable.

  

  Business Response

  Date: 07/18/2025

  Please see attached response.

  Thank you,

  Concora Credit Inc. 

  Customer Answer

  Date: 07/18/2025

   
  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

  Date:07/07/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was reviewing my statement and saw that I got charged a fee for credit protection services on my Destiny MasterCard. I never sign up for credit protection when offered, so I asked for proof that I signed up for the service. I was told that the proof is that it is showing on my statement, I must have checked off the box at application. I asked for a copy of my application showing that I checked off the box. I was told that it wasn't available and couldn't be provided to me. I asked why not, it's my information, I just want proof that I enrolled in the service. I also commented that every time I log into my account, I get a pop up asking if I want to enroll and I click decline every single time. If I enrolled in it, then fine I did it and didn't realize it. But I just want the proof that I enrolled in that service. If I did not enroll in it, then I want to be refunded for the amount I was charged every month for a service I didn't authorize. If I did authorize it without realizing, then okay I own that mistake. There has to be some sort of documentation showing my enrollment in credit protection services. Please provide me with some documentation showing that I enrolled.

  

  Business Response

  Date: 07/17/2025

  Please see the attached response.

  Thank you,

  Concora Credit

  Customer Answer

  Date: 07/17/2025

   
  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

  Date:07/04/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The indigo Mastercard offers a 1000 dollar unsecured credit limit. Sounds great, I paid a payment online,they didn't process it in a timely manner and I mistakenly thought it was paid...without any online contact with me they cancelled the card,basically they said they sent a letter about the missed payment and closed account,which still haven't arrived,all the while there's an inbox for "paperless contact" on the cards website. It's gone from an investment to be paid on to help credit and help make ends meet. To a useless bill that I really didn't need. And im sure they are hustling plenty other people the same way everyday.Thank you,stop these people.**** *******

  

  Business Response

  Date: 07/14/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc. 

  Customer Answer

  Date: 07/14/2025

   
  Better Business Bureau:
  
  I accept they are within the law but still feel this is a scam and are preying on people trying to rebuild credit or who are in need of funds.  All this said I accept no further action can or will be taken
  Sincerely,
  
  **** *******

• Initial Complaint

  Date:07/04/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hi, I applied for your indigo card while I was living in a Women and Children homeless shelter because we needed it to fix my car. However, I was discharged from the shelter when having a disagreement with someone there. Someone has stolen this card and activated it using my info and then spending it. I was able to make an account and login and see the charges, call, etc. i dont know if they still have the card. I dont know what to do. My 2yr son and I are couch surfing while I try to keep us safe. This account could ruin my credit causing me to be unable to get an apartment and slip deeper into homelessness.

  

  Business Response

  Date: 07/14/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc. 

  Customer Answer

  Date: 07/14/2025

   
  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

  Date:07/03/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company had put a hold on my credit card after the fact that I called them to verify the correct information. It has also been past the 14 day review mark to which I am still on hold while this company is continuously requesting personal information that I have already sent.

  

  Business Response

  Date: 07/16/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc.

  Customer Answer

  Date: 07/16/2025

   
  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

  Date:07/03/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was shopping on Rooms To Go website and one of the payment option is Concora Credit Card. When I applied for this card, I was not told that there is a yearly cost of $175 taken right away from the given credit of $700. When I received the welcome email , I logged in and saw balance of $175. I called to cancel the credit card account immediately. This happened on June 23rd. I have not even received the card and the company wants to charge me the annual cost. I would like the company to remove this shameful fee just for applying. This is a borderline scam, unethical and immoral.

  

  Business Response

  Date: 07/16/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc. 

  Customer Answer

  Date: 07/17/2025

   
  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.
  Thanks to all parties involved for their understanding and resolving this issue for me.
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:07/02/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear BB Concora Team,I am writing to file an urgent complaint and request for immediate investigation regarding a credit account that was fraudulently opened using my identity and Social Security number. I was recently made aware that a credit line was approved under my name without my knowledge or consent, and I am now facing a debt I did not authorize or incur.This is a clear case of identity theft, and I am extremely disappointed that your institution approved credit without properly verifying the identity of the applicant. I never applied for a credit line with BB in Concora, nor did I authorize anyone to do so on my behalf.I respectfully request that you:1.Launch an immediate investigation into this fraudulent ****************** the store or merchant where the credit card was used and request:Video surveillance footage Signed receipts or documents Any identification provided at the time of purchase 3.Verify and compare those records with my actual identity to confirm I was not the person who opened or used the account.4.Remove this account and associated debt from my name and credit file.5.Provide written confirmation that I will not be held responsible for this unauthorized debt.

  

  Business Response

  Date: 07/15/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc.

  Customer Answer

  Date: 07/15/2025

   
  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

  Date:07/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So I recently got a credit card from them. And when I was checking my statement I noticed that there was a $30 charge. Thay said it's insufficient fund fee. I asked the guy in the phone was it them that charge me the $30. And he assured me it was not. He just said it's another company then he tried to end the phone call with me. "that was a major red flag". So I persisted and told him this conversation is not over. I need to know why I'm being charged $30, and I need to know who is charging me. That's when he finally admitted it was the credit card company charging me this late fee. And he was sorry that he failed to mention that to me. I told him that I had more than enough money in my bank account. And if it was a insufficient my bank" ******* Would a notify me . I did a screenshot of the day I made the payment. And i Got a confirmation of payment that day. And why was i charged weeks later for the late fee.? also i have a plan with my bank, that if I don't have enough money they cover anything under $500. So this insufficient fund doesn't make any sense. Also they refuse to take it out. I close my account that day. I did some research on this company. And they should not be in business.

  

  Business Response

  Date: 07/11/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc.

• Initial Complaint

  Date:07/01/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got approved for 2 cards & after not getting them in the mail I was mailed 2 new cards which I finally received this morning. I was told by a *** that the cards were blocked for security ************ needed to submit a copy of my id on their website. I did so immediately. I was then told it could take 2-5 business days to unblock. I called back a few hours later & asked if they can please unblock them sooner because I need to use 1 to buy a plane ticket to my mothers funeral which is on Saturday. I was told by 2 different customer service ***s & 1 manager that it would actually take 2 weeks to unblock & they wont expedite my request even though I desperately need to use 1 to go to my mothers funeral as her only child. This is heartbreaking & I cant believe the horrible, insensitive customer service that I have received! I desperately need atleast 1 of the cards unblocked.

  

  Business Response

  Date: 07/06/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc.

• Initial Complaint

  Date:07/01/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been being harassed by Concora Credit regarding my Milestone account which should have been closed. When I first opened my credit card account I was billed $125.00 for a yearly fee which I paid. Then they froze my card and refused to unlock it even though I properly verified my identity. The charges on the account are for fees I should have never been charged. It makes no sense to tell someone that you want to help them build their credit and pull this type of bad business. I want the account closed and for them to stop calling me

  

  Business Response

  Date: 07/11/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc.