Continental Finance Company

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Your account was closed, per your request, on December 4, 2013. The account has a zero balanace and you have no financial obligation to CFC
We trust that our response to this matter will be met with your satisfaction
Sincerely,
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We are in receipt of your letter regarding your request for your account to considered Settled in full. In an effort to ease your financial burden, we are prepared to settle your account balance of $as of the date of this letter, for $as
long as you make this in either a lump sum or payments of $each, using a guaranteed payment method such as Western Union Quick Collect, postal money order or cashier’s check. The payment schedule is listed below:
Payment Due date
$ 04-21-
$97.00 05-05-
$97.00 05-19-
or
$ 04-21-(lump sum)
Once you have satisfied the terms of the settlement offer, we will reverse all of the remaining fees on your account and you will have no remaining financial obligation to us. However, if you fail to satisfy this settlement arrangement, you will continue to be financially responsible for the full account balance noted aboveIn order to accept this offer, you must call 1-800-518-todayTell the customer service representative that you want to accept the settlement offer that was mailed to you
Please make the check payable to Continental Finance Company and mail the payment to Continental Finance Company, LLC, P.OBox Newark, DE 19714-
Best regards,
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This is an attempt to collect a debt and any information obtained will be used for that purpose

The attached was mailed in response to the concern submitted by Ms***

Revdex.com:
150%;">I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I have reviewed the correspondence that was sent to me in response to my complaint and it states they will hold payment to guarantee funds and depending on how long I have had the accountFirst off, I have never once dishonored my payments and never missed a payment or had a payment returnedSecondly, I have had my account with Bank for over years and my account with Verve Continental for over a year so how does that line in their correspondence stating they can hold a payment for a week for these circumstances when it says that will release the funds immediately to the cardholder prior to the statement of age of account? To me that does not address the issue, when the rep through Bank told the rep at Verve Continental that funds are available and will be released at midnight and I gave the rep at Verve the confirmation # of payment going throughThe rep at Verve then told me that was not acceptable, when again I have my account through for over years and a customer to Verve for over a year and none of payments "bounced" and the letter it clearly states that, so answer me again, Verve, how is this customer relations and not treating your customers poorly?? Answer my question correctly the next time around would be greatly appreciated, instead of dancing around my concern and my dispute through your companyMy credit score is and it is known for company to handle customer with poor creditYou may want to think about that the next time you are dealing with customer relations and handling the situations with your customer with a little more respect.
Regards,

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

Mr***,We have requested copies of your monthly billing statements for the time periods in which you have stated you should have been protected under the SCRA. As soon as the statements are received, we will make any necessary adjustments that the account may have been eligible for.
After completion of the review, and any eligible adjustments, a confirmation letter will be sent disclosing the outcome

The attached was mailed in response to the concern by Ms***

The account was closed, per your request, on December 16, Since you had closed the account within days of the billing of your Annual Fee, you were provided a refund of this fee on December 17, With respect to your request for no further assessment of the Monthly Maintenance Fee, we
regret that we are unable to honor this request. In your cardholder agreement under section it states: We will charge a monthly account maintenance fee of $for your participation in your accountThis fee will be charged each month beginning with your second billing statementIf your account is closed by you or us, we will continue to charge the account maintenance fee until you pay your outstanding balance in full
We appreciate the time you have taken to write us and trust that our actions to resolve this matter meet with your satisfaction.
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Mr***,Our records indicate that your Surge MasterCard was opened on September 6,2015. When you contacted our Activation Department on September 14, 2015, you were offered the opportunity to make your first payment over the phone to increase the available credit on your
account. Payments made via this avenue are processed through Western Union Speedpay and can be made using a debit/credit card or via ACH using your checking account number and routing number. Our records indicate that you opted into making your first payment via this payment method; however, while you were providing our representative with your bank account information you unexpectedly disconnected the call. Therefore, no payment was processed. On October 5, 2015, you contacted the Customer Service Department to make a payment over the phone. You were advised that there would be a fee imposed by Western Union in the amount of $10.95. You stated that you did not agree with this fee and the representative stated that as a one-time courtesy they could lower the fee amount to $7.95. You again stated that you did not agree with this amount and were asked to hold for a supervisor. You then disconnected the call. Please be advised that the offer to make a payment over the phone is within the regulations governing this account and no unethical or illegal business practices have occurred.Sincerely,
*** ***Vice PresidentCustomer Relations

We regret that you are not satisfied with our previous responseHowever, as stated in the previous response, your account has been handled in accordance with the Terms & Conditions of this cardThose terms were required to be read and agreed upon during the applications process, which you completedAdditionally, these terms were provided to you in the cardholder agreement that you received with your cardAnd finally, the fee structure was disclosed during the activation processUpon your verbal acceptance to those terms, your card was activatedUsage of the card acknowledges your acceptance to all Terms & Conditions of this accountHowever, we have reviewed your account and are pleased to announce that your account is eligible for a special settlement program. This program will allow you to pay just a portion of your current balance of $496.69, as of the date of this response, and result in you having no remaining financial obligation to us
Here is all you have to do. Simply call us at *** and tell us that you want to accept the settlement offer, and then make your payment(s) according to the schedule below, using a guaranteed payment method such as Western Union Quick Collect, postal money order or cashier’s check
Payment Amount Payment Due Date
$124.00 06/18/
$124.00 07/02/
$124.00 07/16/
Or lump sum
$372.00 06/18/14
Once you have satisfied the terms of the settlement offer, we will reverse all of the remaining fees on your account and you will have no remaining financial obligation to us. However, if you fail to satisfy this settlement arrangement, you will continue to be financially responsible for the full account balance noted aboveIn order to accept this offer, you must call *** todayTell the customer service representative that you want to accept the settlement offer that was mailed to you
Please make the check payable to Continental Finance Company and mail the payment to Continental Finance Company, LLC, P.OBox Newark, DE 19714-
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This is an attempt to collect a debt and any information obtained will be used for that purpose

Mr
***,Our
records indicate that you applied for the Surge MasterCard via the Internet
During the application process, you were required to read and electronically
accept the Terms & Conditions of this cardThe Terms & Conditions
clearly stated that there would be a $Annual
Fee and that the initial
Credit Line would be $By the submission of the application for a credit
decision on June 27, 2015, you acknowledged that you accepted these Terms &
ConditionsIn addition, you submitted more applications on July 26, and
July 27, 2015, respectively, and had accepted the same Terms & Conditions
upon submission of both of those applicationsWe find that the initial
application had the requirement of submission of documentation to validate your
identityThe additional applications were declined due to previous submission
of an application within daysOn July 27, 2015, we received your
documentation, corrected your Date of Birth from 6/19/1978, as input on the application,
to 6/19/per the Date of Birth on your Driver’s LicenseThe application
was submitted for a credit decision and you were approved for the accountThe
card was opened on July 31, 2015, at which time your MasterCard and cardholder
agreement were mailedThe Cardholder Agreement also discloses the fee
structure of the account, the initial credit line and the ability to apply for
a credit limit increase after monthsWhen you contact our Activation Department
on August 6, 2015, you were disclosed, via a recorded message, the fee
structure of the account and the initial credit lineYou selected the prompt indicating
you accepted these terms and were transferred to a representative who again
went over the fee structure and credit lineUpon your verbal acceptance, the
card was activatedTherefore, we find that you were properly disclosed the fee
structure and the initial credit line of the account prior to the activation
and use of the card and therefore we cannot honor your request for a full or partial
refund of the Annual FeePer your request, the account was closed on November
9, Please advised that closure of the account does not relieve of your financial
obligation on this debt nor will it suppress that assessment of fees.Please
contact our Customer Service Department at *** with any further account
questions.Sincerely*** ***
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the same concern has been received via the CFPB, case *** Since the CFPB is a regulatory agency, our response to this matter will be sent via that agency

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me

Our records indicate that your account was closed, per your request, on January 6, 2015. On January 14, the balance was removed from the account, in accordance with the Terms of this account. Ttherefore, you have no further financial obligation to us.***
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We have reviewed the recorded phone conversation and find that our representative did not inform you that the payment history would be updated. You were advised that the Late Fee would be refunded to your account as a courtesy and that you could submit your request for removal of the
negative reporting by faxing your request to Corporate for review. We have a legal obligation to accurately report the payment history on all accounts and find that your account was past due and was reported accurately as such. Therefore, we cannot honot your request for removal of the negative reporting of this account.***
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Customer Relations

We find that an account iwas opened using your personal information on April 18, 2013. Due to severe delinquency, the accoutn was written off as bad debt on August 1, and was sold to OSIRIS, a third party debt buyer, on August 30, 2013. We further find that we have not
received any communication from you regarding this alleged fraudulent account until April 22, 2014. During this call, you were advised that you would need to provide CFC with a police report indicating that you have been the victim of identity theft. We have not received any further communication and/or documentation from you until days later when you filed this concern. Please see the attached letter that is being mailed to you today. CFC cannot begin an investigation until you have provided all of the required documentation listed in the letter
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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
For your reference, details of the offer I reviewed appear below
They still have not addressed the fact that they have NOT honored the original agreement, after three years of maintaining the account in good standing, despite the abhorrent fees and charges they have appliedI see no actual attempt here by them to honor the offer, or to resolve the problem due to the fact that their people LIED to me about closing the Discover account, and transferring it to a MasterCard
Regards,

Although you have received a courtesy reversal of the $Late Fee, this reversal is only deducted from your balance, not he total required payment due, since this was a courtesy reversalThe calculation of the total required payment due is in accordance with the Terms & Conditions of
this accountTherefore, we regret that we cannot honor your requestPlease submit your total required payment in order to avoid any further assessment of Late penalties

As indicated on the attached petition of bankruptcy protection, you did not include your Surge MasterCard in your petition. therefore, we did not receive notice form the BK courts of your filing. Additionally, on February 1, 2016, you indicated to our Collections Agent that you had filed
for BK but did not wish to include this account in your filing. As a precaution, your phone numbers were removed from the account from any further collection calls. On April 21, 2016, you stated that you had field for BK and had included this account in your filing and that you would pursue legal action against CFC. As previously stated, your petition for BK does not have any reference to this account and was not included in your bankruptcy petition. However, as a courtesy, we have placed a BK status on your account and no further collection efforts will be made

The attached mailed in response to the concern by Ms***