Continental Finance Company

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
Continental Finance LLC appears to have selective amnesiaThe credit agency Experian and myself both gave all the information needed to prove this was a fraudulent account opened by an identity thiefAll three credit agencies have removed this fraudulent account from my credit reportThe fraudulent account was opened 4/and sold 8/The victim, myself, was never aware because a fake address was usedI will again supply the requested information which will be the third time it is sentI think the way I've been treated by Continental Finance, as the victim of identity theft, is grossly cold and harassingIt must be horrible being you

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. 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,

the attached was mailed to Ms*** in response to her concern

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

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
I do not fit into the criteria where I was ever late with a payment or had a payment returnedI have had this card for a year and have had no problems with my paymentsIs not a year enough to establish my account with them where there is no hold on me the funds are removed from my account immediately why should I have a hold on my account?

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 as they will be responding to the complaint I made to the FTC
Regards,
*** *** ***

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
[I will NOT accept this Response because it doesn't make any sense I have All My Reciepts and there are some Payments made over the Phone and even when I made them no one told me I had a Late Fee at the time they also charged me an extra $for making the payment over the phone I also want to know where is my balance on My Credit of $is when I only used $of it they kept that Balance on my credit I think this Company is a Scam I want the Money I paid Back and I'll be done with them.]

Ms***,We find that the $balance was residual from the previous monthly billing statement. Your beginning balance on your November 17, statement was $132.33. After the Annual Fee reversal of $and your payment of $36.33, there was a residual balance of $21.00.
since the account sis not reflect a zero balance at time of cycle, the $monthly maintenance fee billed, resulting in a balance of $33.00. When no payment was received the following cycle, the account was assessed a $Late Fee and the $Monthly Maintenance fee, resulting in a balance of $70.00. On January 12, you paid the balance in full and had no further financial obligation on this debt. As a courtesy, we have provided the account with a refund of the $Late Fee and $Monthly Maintenance Fee. This has resulted in a credit balance of $that will be mailed to your address on file within business days.We trust that our response will be met with your satisfaction.Sincerely,*** ***Vice presidentCustomer Relations

The attached was mailed in response to this concern

Please excuse the typos of your name and the product name of your card as Verve rather than Matrix. A reversal of the $Monthly Maintenance fee that billed on 5/22/has been completed. You will received a refund of the $payment you made on 6/8/16. No other refund is granted as the fees that billed to your account were in accordance with the Terms & Conditions of this account. Your account is closed with no further financial obligation to us. Should you wish to reopen the account, please contact Customer Service at ***. Please be advised that the $Monthly Maintenance Fee will be assessed each month, even if there is no purchase activity, should you choose to reopen that account

Ms***,
Our records indicate that you applied for the Surge MasterCard on June 25, 2015. The application was approved and the account was opened on June 26, 2015. After you had not received the MasterCard, you requested closure of the account. The account was closed
and the balance was removed from the account. Please be advised that the monthly billing statements that you are receiving are for your Verve MasterCard, not the Surge MasterCard. Your Verve MasterCard was opened on April 2, and is currently past due. You can identify the account on which you are receiving statements by the last four digits listed on the statement which will match the last four digits on the card, by the product name in the upper left-hand corner of the statement, as well as, the name to which payments are to be mailed. Therefore, we find that no error has been made.
Sincerely,
*** ***
Vice President
Customer Relations

Ms***,Our records indicate that you applied for the Surge MasterCard on June 25, 2015. The application was approved and the account was opened on June 26, 2015. After you had not received the MasterCard, you requested closure of the account. The account was closed and the
balance was removed from the account. Please be advised that the monthly billing statements that you are receiving are for your Verve MasterCard, not the Surge MasterCard. Your Verve MasterCard was opened on April 2, and is currently past due. You can identify the account on which you are receiving statements by the last four digits listed on the statement which will match the last four digits on the card, by the product name in the upper left-hand corner of the statement, as well as, the name to which payments are to be mailed. Therefore, we find that no error has been made. Sincerely,*** ***Vice PresidentCustomer Relations

We have no record of any concern by you regarding the need or desire to dispute transactions. Please provide a detailed list of all transactions you believe to be invalid and we will review any options you may have within the legal limitations regarding the dispute of transactions

Revdex.com:
"line-height: 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 stated on my initial complain that the account was closed back in November via phoneHowever, and most recently I've received a billing statement from your company stating that my account still openI need to know if a written letter is neeed for Verve to FINALLY and PERMANENTLY close my acoount

Ms***,On May 14, 2015, we received a $payment via the Internet Payment option. This payment was returned by your financial institution with a return reason of “RNo Account/Unable to Locate Account.” Payments that are retuned with this reason code are usually the
result of a keying error when the account information was typed online or when an account number is used on which ACH transactions are not permitted. Due to the return of the first payment on your account, the account was reviewed and the charging privileges were revoked. Reinstatement of the charging privileges requires receipt of a payment, equal to or greater than the retuned payment. In order to expedite the release of the revoked charging status, we ask for payment in the form of guaranteed funds. On May 22, 2015, you contacted the Customer Service Department to inquire about the $payment since these funds had not been deducted from the bank account used for payment. You were advised of the return of this payment and stated that you would correct the bank account information online and would replace the returned payment. Although the returned payment was not fully replaced with the $payment received on June 16, 2015, we reviewed your concern and have reinstated your charging privileges and have provided you with a one-time courtesy refund of the $Late fee. Should you have any further questions regarding your account, please contact customer service at ***Best regards, *** ***
*** ***
*** ***

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
Problem:Filed a complaint against this business and got a letter back from *** *** Vice president, stating " As a courtesy, we have processed a request to the credit reporting agencies to delete the reporting of this account from your credit profilePlease allow thirty(to forty-five (45) days for your credit profileto reflect this change" That time has come and pastThis is the typical response from this company and the way they continue to businessI would like the issue handled in much more efficent and timely matter this timeI will continue to file complaints until this is resolved.TranslateDesired Resolution / OutcomeDesired Resolution:Correction to a credit reportselectDesired Outcome:Removed from credit reportAll bureausWritten letter from this company stating it needs to be removed! Notarized so I can submit it myself.Translate

We received the response you filed with the Revdex.com (“Revdex.com”) regarding an inquiry on your credit reportPlease note that during completion of the online application process, permission was granted to us to perform a hard credit inquiryWe are only able to remove an inquiry where there is clear evidence that the inquiry was obtained without consumer consentThe previously enclosed application contains the same name, mailing address, email address and telephone number listed on the complaint documentation provided to the Revdex.comAccordingly, there is insufficient evidence to conclude that the inquiry was unauthorizedIf you have additional information for us to review, please contact our Customer Service Department at *** You can also send in the information by mail to *** *** *** *** *** *** *** or by fax to *** ***If you believe the application and corresponding inquiry occurred because of identity theft, you should report and document the fraudYou may also want to file a police reportIn the event you obtain proof confirming the inquiry was the result of fraud, please send the documentation to the address listed above

The response regarding the reject reason was based strictly on the information provided by the payment processor and was as follows
"This payment was rejected due to a failed
verification. This is typically due to a
bad address or CVVvalues; however, American Express Centurion Bank did not
indicate the verification failure reason at the time of their rejection of the
payment"
Since payments made via the internet can only be made via ACH using a checking account, and since American Express Centurion Bank had not provided the reject reason, it could only be assumed that it was due to a bad address or CVVcodes. Please be advised that any discrepancy regarding the return reason of the payment does not change the remainder of our response regarding the account

Payments made via the internet have no interaction by CFC as we cannot access your online account at any time. Therefore, any issues with account information being keyed incorrectly online is not a result of CFC/bank error and any fees that have been billed due to this error are valid and in accordance with the terms & conditions of this account

the attached was mailed in response to the concern by Mr***