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:07/06/2025

  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 recently applied for the Destiny Mastercard but have not received the physical card, not activated it, and have not made any transactions. I called almost immediately after getting approved and cancelled on the phone with their customer service. She confirmed it had been closed and yet I receive an email two days later congratulating me on my new card and confirmation being shipped. Despite the fact that I cancelled the card with their agent, a $125 fee was immediately posted. On their website which is extremely hard to navigate and lacks basic functions to manage accounts, it says the card is open. I called again today and the lady confirmed it was closed and doesnt know why it looks open on my side??. I am formally requesting that the card be closed immediately and any fees waived, as I do not wish to move forward with this account, did not content to this, and was told it was closed. I would like this resolved asap.

  

  Business Response

  Date: 07/16/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc.

  Customer Answer

  Date: 07/21/2025

   
  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:Sales and Advertising 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.

  This business is the worst. They tried to pull out unauthorized charges from my bank without my acknowledgement. I have had to call multiple time for them to cancel these unauthorized charges and then my email was changed to someone elses email and I cant even get anyone on the phone. I had to freeze the account change my email back and change my password. They tried to pull $2700 out of my bank 2 times and are saying that I am doing it and I am not.

  

  Business Response

  Date: 07/15/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc.

• 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: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.

  My available balance for **** was $1000 to which I made a payment of $100.00. As I was paying the July bill I noticed the available balance is higher from last month $1362. I called customer service there reason stemmed from an issue from 2023 a promotion and finance issue which took me months to resolve ( there may be a complaint filed with BBB) it was finally resolved. It seems like its come up again its being added to my payment again. Also I purchased some items in 2024 which were sale items from ********************* store and now theyre charging me as if these items were promotional items. Ive always paid over my asking fee on my bill to get my available balance up. It doesnt seem like fair practice to charge me for floor sales items as promotional items and to keep revisiting items that were resolved years back. I hope that by contacting your organization this will encourage them to treat their good pay on time customers with more appreciation and courtesy.

  

  Business Response

  Date: 07/15/2025

  Please see attached response.

  Thank you,

  Concora Credit Inc.

• Initial Complaint

  Date:07/02/2025

  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.

  I opened a credit account in April with this company, with an opening fee that was to come out of my credit limit and be paid just like any other credit due. However, I never received the card after about a month, so when the time to make the first payment came, I called the company to say I had not yet received the card. They sent a new one, but after activating it, the very first time I attempted to use it, it was flagged for suspected fraud. The process of clarifying that I was the one using the card was unnecessarily convoluted, and took about 2 weeks. When I finally received the email that my card was ready to be used again, I tried using it at two different places and it was declined both times. I called the company, and they said the reason was because the card was past due by $40. I thought this was unusual because other credit card companies don't do this. I again complained that I had not been able to use the card at all up until this point, so found it completely unfair to be forced to pay late fees and minimum payments for months during which I was unable to use the card. I asked to speak to a supervisor and explained my situation again, but they were unwilling to do anything but remove late fees if I paid the minimum payment right away. At this point, I had searched the company online and discovered that other customers have been through the same thing with this company, and became suspicious that I would never be able to utilize the card, but instead would continually face fees for something that I was never able to use. I asked to close the account, and they agreed to remove all fees due, but threatened to report the closing of my account as by user to the ********************** bureau, although I had done nothing to deserve a negative impact to my credit score. I went ahead and closed the account anyway because I refused to let this company take advantage of me any further. I am requesting that some action be taken to redress the harm inflicted on my credit and time

  

  Business Response

  Date: 07/15/2025

  Please see attached response.

  Thank you,

  Concora Credit Inc.

  Customer Answer

  Date: 07/15/2025

   
  Complaint: *****************************************************************************************************************************************************
  
  I am rejecting this response because:
  
  I remain unsatisfied with the resolution and believe my concerns have not been adequately addressed.
  
  
  The company acknowledges that the card was not activated until mid-June, yet I was issued a billing statement on May 16 with a due date of June 15, which was before I had ever successfully used the card. Their own records confirm that a fraud block was placed the moment I activated the replacement card, which took over two weeks to resolve. Even then, I was still unable to use the card due to being charged for a past due balance of $40, which I only owed because of an opening fee and subsequent charges that occurred while the card was blocked or inactive.
  
  
  I repeatedly communicated that I had not been able to use the card at all, yet I was told to make payments on something I never accessed. I was only offered removal of late fees if I made an immediate minimum payment, which I find coercive. Furthermore, when I asked to close the account due to these unethical practices, I was threatened with negative credit reporting. While the company now states the account will reflect Closed by Consumer, they fail to acknowledge that I was misled, charged for a product I never used, and pressured into closing the account under threat of credit harm.
  
  
  My main concern remains unaddressed: the damage to my credit caused by unjust fees and a payment history that does not reflect the context that I was blocked from using the card and still penalized. This feels like a deliberate tactic to extract fees from consumers without providing a functional product.
  
  
  I am requesting a full investigation into the reporting made to credit bureaus, and a correction to reflect that I was not delinquent on the account due to misuse or neglect, but due to the companys own administrative delays and restrictions. I also request written confirmation that no derogatory marks related to this account will remain on my credit report.
  
  
  I trusted this company with my financial information and was taken advantage of. I am asking the BBB to support further review of these business practices, as I have now seen that many other consumers have experienced the same pattern with this company.
  
  Sincerely,
  
  Lyric ******