Complaints
This profile includes complaints for Concora Credit Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 2,518 total complaints in the last 3 years.
- 1,053 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:07/06/2025
Type: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: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: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: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: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: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.
Someone got into my account and changed my mailing address and requested a new card to be sent there. The new address is in *******, ** and I live in *****. They then paid off my credit card (over $1800) with my linked bank account so I am out $1800 due to them not verifying it was me making the address change, requesting a new card, or authorizing the payment.Business Response
Date: 07/16/2025
Please see the attached response.
Thank you,
Concora Credit Inc.
Initial Complaint
Date:07/03/2025
Type: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 a Milestone credit card with Concora. After using the credit card for an online purchase, I immediately made a payment to cover the full amount of $450.56 I received an email confirming the payment. I then made another online purchase of a similar amount, for which I was about to make a payment when I saw in the app, that I owe $914.29 I cannot see any transactions in my statements other than the transaction I made online and still this balance is utterly wrong! I called various customer service number they have on the back of the card and in the app, and also some other ones I found through a ****** search. While the main menu works, the second I choose to speak to a representative, the line just disconnects on all of the numbers. So I cannot even speak to a representative to ask about the false balance and possible wrong charges to my card. I need to know how to proceed! I am very mad to deal with this level of unprofessional banking services. The sheer number this bank has accumulated is mind boggling. I would never recommend anyone to open an account with this bank!Business Response
Date: 07/16/2025
Please see the attached response.
Thank you,
Concora Credit Inc.
Initial Complaint
Date:07/03/2025
Type: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.
Hello! I was approved for an Indigo Mastercard through concord credit. I read all paperwork and there was nothing about a $250 annual fee. I applied specifically because there were no fees like that. I noticed the charge when I went online to set up my account. Also I am trying to make a payment today and cannot get anyone on the phone. Ive called every number I can find for them and when you press 0 to speak to someone, its just silence and no one ever answers. I have sat for a half hour and nothing! I tried to pay online as well and it would not accept my payment. I have plenty of money to cover this payment. Im scared its a scam to get my account numbers now. Im afraid to try paying direct with my bank account because I cant even get a person to speak to. Tried with debit card over phone and it never takes you to the third party payment center. Online it gets declined. I refuse to give my checking account number. I was not informed that I couldnt pay with a debit card. I dont give anyone my checking or savings info except ******. I want to pay these people and dispute the $250.00 fee but cannot get a person to speak to!! Im extremely frustrated!!Business Response
Date: 07/16/2025
Please see attached response.
Thank you,
Concora Credit Inc.
Initial Complaint
Date:07/03/2025
Type: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: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.
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