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:07/02/2025

  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 ******

• 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:07/02/2025

  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.

  On June 23, 2025 I made a payment in FULL for my balance owed. The payment cleared my account on June 30, 2025 via an Electronic Funds Transfer. I then had no use of my card and still do not have use. I contacted customer service and was told they can "hold my right to access my own card for 10 days". A 10-day hold policy is unenforceable and likely unlawful where it is applied despite no balance owed and after cleared funds have been received. Under the Expedited Funds Availability Act (12 U.S.C. 4001 et seq.) and Regulation CC (12 CFR 229), financial institutions are required to make funds available within specific timeframes, particularly when there is no pending balance or overdraft. Denying a customer access to their own ********************** in direct response to an intent to seek legal redress raises serious concerns of retaliation, coercion, and bad faith, which may violate both state and federal consumer protection laws.This conduct is unacceptable and erodes all trust. I hereby demand the immediate and permanent closure of my account, effective upon receipt of this letter. Any funds remaining in the account shall be returned to me via certified bank check mailed to the address above within five (5) business days. Furthermore, I am formally reserving all legal rights to pursue claims against Concordia Credit and its officers, directors, and affiliates for: unlawful or deceptive banking practices, retaliation for asserting legal rights, wrongful withholding of funds, interference with access to financial records, and any resulting financial or reputational harm caused by these actions.This shall serve as a notice of intent. If this matter is not resolved swiftly, I will file complaints with the Consumer Financial ****************** the *********************************, and will pursue legal counsel to initiate litigation if necessary. Furthermore, I am hereby requesting an acknowledgement that their actions were unlawful.

  

  Business Response

  Date: 07/15/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc.

• 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.

• 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.

  Ive call customer service several times regarding $3 fee every month. **************** have not been clear what the fee is about. customer service representatives is not clear about the $3 dollars monthly fee. I dont ever use this card. Indigo credit card company have sent my account to collections for past due amounts.

  

  Business Response

  Date: 07/11/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc.

  Customer Answer

  Date: 07/14/2025

   
  Complaint: 23543580
  
  I am rejecting this response because: If i passed the annual fe, why am i still being billed $3
  
  Sincerely,
  
  ***** ********

• 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 was issued a Milestone Mastercard by Concora. Before I received the card, it was given a fraudulent hold, that I wasn't notified about. Then, when the card arrived and I activated it, I was charged $9.95 monthly fee. That's fine; I understand that there's a monthly fee. However, I can't use the card because they put a fraudulent hold on it. How can I have a fraudulent hold on the account when I haven't even used it? This makes no sense. And to lift the hold, we have to fax or scan a copy of our ID to verify it is us. They then say it takes two weeks to verify the account to make sure it is really you. All the while, each month they will charge you the $9.95...This seems to be happening to others. If you look online, it seems to happen very frequently, then they ask to see your documents. I haven't experienced another card company asking for your documentation like this.

  

  Business Response

  Date: 07/11/2025

  Please see the attached response.

  Thank you,

  Concora Credit Inc.

• Initial Complaint

  Date:07/01/2025

  Type:Product 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.

  From November 2024; activation of card when received; then card was compromised with unauthorized charges. Called where this card is 3rd partied to, could barely hear or understand customer service. Was able to submit fraudulent charges, waited a month on clearance. Then received a different card. I used a few time. Card jeopardize again. **** through same process with same issues; call very broken and unable to understand customer service rep. **** through the format of fraudulent charges again. Never received a response. Called back to be informed charges had been dropped and new card and number was being mailed to me. Well as of today I have never receive the 3rd card. This is unacceptable customer service. I am very skeptical of this company. I want to file this as a complaint. I have never experienced this with a reputable company. All they do is apologize and I have never received this card. Thank you ******** ****

  

  Business Response

  Date: 07/11/2025

  Please see the attached response. 

  Thank you,

  Concora Credit Inc. 

• Initial Complaint

  Date:06/30/2025

  Type:Product 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 applied for a credit card and got approved however, they did not tell me that I was going to be charged $175 right upfront before I even used the card. I couldnt even use the card if I wanted to! Its a sham and I feel like Ive been scammed, now stuck with unwanted debt I didnt agree to.

  

  Business Response

  Date: 07/06/2025

  Please see attached response.

  Thank you,

  Concora Credit Inc.