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.I got the runaround from every employee I spoke to, and the money was deducted from my checking accountThis was simply inexcusableIt seems incredibly irresponsible that a payment could be "applied" to another cardholder's account "by mistake"I made all of my payments to this company via phone since last year, and this is the first time this has happenedI had numerous problems making online payments so I closed the account last year and made the payments by phone.This is a terrible company and I hope they continue to be held accountable via numerous class action lawsuits which are filed against Continental Finance on a regular basis.I want them to delete ALL of my info from their systems

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

Mr***As indicated on the attached printouts of your account activity, you have used this account for purchases in excess of the dollar amount you stated in your rebuttal. Additionally, you have failed to satisfy to the total required payment due, resulting in Late Fees and an increased required payment due. To bring your account to a current status, please submit your payment of $prior to your payment due date of March 15, 2015.This is an attempt to collect a debt and any information obtained will be used for that purpose

We have mailed the attached in response to this complaint

Mr*** had provided this phone number as a contact number for his Verve MasterCard; therefore, we attempted to contact him at the phone number he had provided. On May 4, 2015, this phone number was removed from his account record and no further contact attempt was made via this phone
number

You have also submitted this complaint via the CFPB. Since the CFPB is a regulatory agency, we must respond to your concern via their agency

We have reviewed your rejection to our previous response and regret that our original response to this matter remains unchanged. If you believe you are the victim of Idenitity theft, please contact your local law enforcement agency to file a police report. Please include in the report the date of the inquiry, all of your contact information, name of any suspect(s) and your willingness to prosecute any suspect(s). Please forward the report to Continental Finance Company, PO Box 8099, Newark, DE 19714-8099. We will contact the agent assigned to your case to assist in the investigation

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 belowContinental Finance company is making a accusation that they have the conversation recorded because if they did, they would know that the representative that I spoke with on February verbalized that they would remove the day late payment fee, they reversed it and did not remove it, but that is what she said to me, as well as the conversation I had with *** *** on March 3, March 16, and the conversation I had with *** on the 24th, a representative of the fraud department was on a way call, her number is ***, I'm sure she probably has a recording as well, and if indeed Continental Finance has recordings, please release all of these recordings to recordings to the Revdex.com to show that you are making an accurate statementI ask that the Revdex.com contact the employee from the fraud number at the phone number listed above for verification and to see if she has a recordingAgain, I ask that the day late day fee be removed as my original agreement was, or for me to fully pay this account out in full and have it removed from my credit reportsIf you have the proof, please release it to the Revdex.com for the different days listed above, I have been truthful in this matter and I wish to have my request honoredI have listed the proof above
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
During the months Continental Finance indicated not receiving payments copies of payments were faxed and mailed to the company, which took over days for the company to respond to the "viewing" of the documents, contacting phone representatives to be provided with a word, notice or update of receiving those documents the phone representatives indicated not being aware of the documents sent or payments being made at all to the account, even though the payments were made through Western Union, Bill Pay, and money order transactions which provide tracking numbersContinental Finance representatives indicated no payments were made through Western Union (attached documents demonstrate otherwise), Continental Finance indicated months where no payments were received (however, the report to the credit bureaus indicate otherwise, per month Continental Finance indicate no payment was received), the negative impact the matter has had on my credit report was that each time I have been charged a late fee (while payments are received) Continental Finance indicates being over the limitI even requested to pay for insurance on the account twice, sending an additional $100, as well as paperwork for the insurance, and was informed the request was not received and the insurance is still inactiveMore than once the payments were made the date due or prior to the due date, however, the processing and applying of the payments were afterwards resulting in late fees, including the payment for $(which is individual payments of $and $remaining) however, as a result of being charged late fees only a portion of the $was applied and as I have explained before the overcharges to a balance that is not late will bring the account up to balance. The response provided by the company is insufficient and inaccurate, recent payments have not been sent because the company has already overcharged and I have overpaid, several requests for an investigation was not honored including to determine why representatives would indicate not seeing payments that were made through Western Union, when tracking numbers and confirmations were providedA request was made to change the due date that wasn't honoredJanuary and February payments were not sent because it has taken Continental Finance over days to respond, as I indicated to the company I have no intentions of sending another payment, on time, if the payments that have already been sent are not accounted for and appropriately applied on the account. I will be scanning and providing the documents to review, as well as verify that payments were received (during the time Continental Finance indicated not receiving payments) and the documents will show that each time the payment was received overcharges were accessed to the account

The attached was mailed to Mr*** today

Mr***,Our records
indicate that you had applied for a Verve MasterCard on January 3, 2015. Your application was approved for a secured
MasterCard with the requirement of a $security deposit. You funded the security deposit and the account
was opened on January 4, 2015.
You
activate the card on January 14, and began using the account for
purchases. You made payments of $
online using your bank account with Wells Fargo ending in 6676. Since no other valid payments were received
on the account, the account fell seriously delinquent. On August 31, the account was written
off as a bad debt and was sold to UDH, an outside debt buyer, on September 30,
2015. We also find that on July 8, 2015,
you applied for our Surge MasterCard. This application was approved for a secured card requiring a $security
deposit. You did not fund that deposit
and no account was established.We find no
error in the charge off of your Verve MasterCard account and, therefore, find
no error in the negative reporting of the account. We have a legal obligation to accurately
report the payment history to your credit file and regret that we cannot remove
the negative reporting. Please contact UDH
at *** for account questions and to make payment arrangements.Sincerely,*** ***
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*** ***

We regret that we have no record of any previous conversations regarding the accountHowever, we do apologize in the event that you spoke with a representative and there was confusion or misinformationHowever, the terms are clearly notated and you had agreed to those terms during the application processFurthermore, you were advised of this fee, and expressed concern of this fee, at the time you requested to activate the cardSince you chose to continue with the activation of the card and made purchases, the only option for a reversal of this fee is to close the account and one will be granted per the terms & conditions of our cardIf you choose to keep the account open, no reversal will be provided as the Annual Fee is for the utilization of your credit line and was clearly disclosed in all terms & conditions that you have received adn verbally during the activation of the cardWe further regret that your request for a credit limit increase cannot be honored
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Our records indicate that the phone number of *** *** had been provided as a contact number for one of our cardholders. Therefore, any call you received was related to that consumer based on the information they had provided to CFC. We have removed your phone number from the
account records and no further contact will be made via this number. We apologize for any incovenience you may have experienced

Mr***,Our records
indicate that you had applied for a Verve MasterCard on January 3, 2015. Your application was approved for a secured
MasterCard with the requirement of a $security deposit. You funded the security deposit and the account
was opened on January 4,
2015. You
activate the card on January 14, and began using the account for
purchases. You made payments of $
online using your bank account with Wells Fargo ending in 6676. Since no other valid payments were received
on the account, the account fell seriously delinquent. On August 31, the account was written
off as a bad debt and was sold to UDH, an outside debt buyer, on September 30,
2015. We also find that on July 8, 2015,
you applied for our Surge MasterCard. This application was approved for a secured card requiring a $security
deposit. You did not fund that deposit
and no account was established.We find no
error in the charge off of your Verve MasterCard account and, therefore, find
no error in the negative reporting of the account. We have a legal obligation to accurately
report the payment history to your credit file and regret that we cannot remove
the negative reporting. Please contact UDH
at *** for account questions and to make payment arrangements.Sincerely,*** ***
*** ***
*** ***

If you believe that you have supporting documentation regarding your stand on this issue, please forward to Customer Relations, Attn: *** ***, PO Box 8099, Newark, DE or by fax to ***. We will review your documentation and provide a response to the matter

Since we find that your account was handled in accordance with the Payment hold Policy disclosed in the Terms & Conditions of the account, our response to this matter remains unchanged

Mr***,Our records indicate that, due to your failure to maintain a positive payment history, the account was written off as a bad debt on November 30, 2014. Upon the charge off of the debt, your online access was revoked. The debt was then sold to UDH, an outside debt buyer,
on December 30, 2014. Upon sale of the debt, CFC cannot enter into payment arrangements. Please contact U** ** *** to make payment arrangements.Sincerely,*** ***
*** *** ***
*** ***

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 belowDue to the fact that I was sent to collections only days after missing a payment, which I had not ever been late before, thus ruining my credit for this
Refusal of reversing the $late charge
Just as the company called regarding the missed payment, this company could have placed a courtesy call before or reminding me before payment was due
Sending a consumer to collections only days after missing a payment and charging a late fee only shows that this company does not have a concern for their customer, I will still be filing complaints with the ftc, consumer affairs, ripoff report, and the attorney general for not properly informing myself of said collection activity in writting, therefore, no, this matter is not resolved, and I will be closing my account and never doing business with this company again

*** ***
The fee reversal of the Annual Fee was processed on January 16, 2014, prior to receipt of the concern filed with the Revdex.com. This fee was refunded in accordance with the Terms & Conditions which state that if you cancel your account within days of this fee billing, you would receive a refund of the fee. Therefore, since your Annual Fee was billed on January 6, and you closed the account on January 7, 2014, you were eligible for a refund. When you spoke with our representative on January 15, and stated that you would not make a payment until the Annual Fee was refunded, a request was submitted to a manager for review and the Annual Fee was reversed. Additionally, as a courtesy, a refund of one $Monthly Maintenance Fee was provided. Attached, you will find the Terms & Conditions/Cardholder Agreement that you agreed to at the time of the application for credit. Please refer to the Section of your Cardholder Agreement titled: Fees and Other ChargesThe Monthly Maintenance Fee section reads as follows: Your Account will be assessed a monthly maintenance fee, which will be billed at $per month to your Account (“Monthly Maintenance Fee”). The Monthly Maintenance Fee will not be billed in the first months your Account is open. Your payment of the Monthly Maintenance Fee does not affect our right to close your Account or our ability to limit transactions on your Account
Since this fee has been assessed in accordance with the Terms & Conditions of your account, we regret that we are unable to honor your request of an elimination of this fee
Furthermore, Continental Finance Company strongly encourages you to make your payments in accordance with the requirements of this account as your failure to make your payments in accordance with the payment due dates of this account will result in the assessment of late fees and the negative reporting of the account to your credit file. Your account balance, as of the date of this response, is $280.77. Your next payment due date is March 3, 2014, with a total required payment due of $35.00. Please submit your payment via the Internet, via the Western Union Speedpay option with a rep over the phone, or by mail to: Continental Finance Company, PO Box 105125, Atlanta, GA 30348-5125. Please include your full digit MasterCard account number on your payment to ensure prompt posting
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This is an attempt to collect a debt and any information obtained will be used for that purpose

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The CFC Discover cards were available for use at any rental car agency and many of our Customers have utilized this option. Please be advised that the rental car agencies will attempt an authorization to the card for the amount of the estimated rental period, as well
as, an additional amount of $50-250, depending on the rental car agency, to ensure that the consumer will have sufficient credit to cover any overages and/or damages. If the amount of the rental period plus their required additional authorization amount exceeds your available credit at the time of the authorization request, the transaction will be declined. In addition, if your account is in payment default or has a closed status at the time of the authorization attempt, the transaction will be declined. Since you did not provide the date on which your attempt was made, we can only repsond that your account failed one, or more, of the aforementioned reasons, which resulted in the decline of the authorization and was not a result of inability to use the card for the purpose of renting a car
Per your request, we have closed the account and removed any residual balance. You have no further financial obligation to us
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