Continental Finance Company

This concern was also submitted and responded to in case [redacted].  attached is the response from that matter.  Our response to this matter remains unchanged as we provided sufficient evidence to indicate that Mr. [redacted]'s allegations were unjustified.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Yes, they did finally remove the annual fee, AFTER you got involved, after stringing me along on the phone for 2 months. And they did remove the monthly fee. However when I first signed up for the card I specifically asked if I can cancel before the year is up and was told yes, you can cancel to avoid these new fees that kick in after 1 year. And once they removed those 2 fees as usual , I made my payment ON TIME, like I have EVERY MONTH since i've had this card. But I am not alone in this, if you look online you'll see hundreds of complaints about this company cheating people. And I am letting them know right now, that I WILL NOT MAKE ANOTHER PAYMENT on this account if there is another 12.00 charge put on there again. I will go to court, and wait til I get a letter from a collection agency stating they'll accept 1/2 the balance, before I pay them another penny, if they continue to try and cheat me with these fees. I was  A VERY GOOD CUSTOMER, and they are treating me like this. I will continue to pay their high interest, because I signed on for that, and that is legitimate, but I will NOT PAY any ridiculous 12.00/month fee on a 270.00 balance. If the 12.00 is removed, I will continue to make my monthly payments ON TIME EVERY MONTH, like I always have until its paid off, but I will NOT PAY any of these scam fees that kick in after a year. Its up to them at this point, they can collect every cent on the account and interest, or they can try and cheat me for an extra 12.00 and NEVER COLLLECT on the account, until they sell it to a scavanger company for pennies on the dollar.

As previously stated in our response, your complaint is not regarding CFC.  It is related to the collection efforts by UDH, the current owner of the debt.  Therefore, any concern you have is with their agency.  CFC, as a courtesy, reached out to their agency and requested their response to the Revdex.com complaint that you filed against CFC incorrectly and provided their information in our formal response to the complaint.  However, any anticipation for a change to business practices is related to UDH, not CFC.

The attached was mailed in response to the concern by Mr. [redacted]

We are unclear as to what the consumer has a concern about.  Please request a more detailed concern so that we may properly research and respond.

The attached was mailed to Ms. [redacted] in response to her concern.

Revdex.com:
line-height: 150%;">I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The company has responded that it received applications for credit using my personal information.  While that may be the case, those applications were not made by me.  That is the whole point. Furthermore, the point of my complaint was that the applications never should have been allowed to go through without a request for additional information from me, because there was a fraud flag on my account.  Indeed, the company itself sent me PDFs showing that these false applications were not allowed to go through because of the fraud flag.  The company doesn't address those in its cover letter, however.  Instead, it says that the applications required additional information, which was requested from me and not provided, and therefore the applications were turned down.  Yup, additional information was not provided by me, because THE APPLICATIONS WERE NOT FROM ME.  That is precisely the reason why they should not remain on my credit report.  When the company did not receive from me the identifying information it requested, it should have concluded the applications were fraud and removed the applications from my credit report.  If that weren't reason enough, the fact that I am telling the company now that the applications were not mine certainly should be.  
Regards,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed...

appear below.

I did recieve two letters from them, saying that it was charged-off, yet they cashed my $500 check after that, but denied that they did until I showed proof. They also charged me ANOTHER $293 which I paid over the phone (see R&R letter). My entire credit limit was only $500,and I had made several payments until my dad died&i got behind on things. Caught up as quickly as I could, within the next 2 months. The letters I got from them said they would be refunding $293 and blamed the collections Dept for the discrepancy,and to please mark my Revdex.com complaint as satisfied. I had not recieved $293 (approx)refund, this I marked'offer rejected'. If they refund the additional $293 and remove the charge off, I will be happy. I feel if they wish to keep the charge off strike on my credit, then they need to refund the $293,the $500 I paid that was supposedly after already charged off that they shouldn't then have cashed. I don't appreciate the fact that they continually lied about receiving the money they recieved from me,etc. I feel they were dishonest&my concern is how often are they doing this when no one reports it or stands up to them? Maybe this complaint will improve things within the company, I don't know. But I will be happy to resolve if they carry their end. Thanks

The payment hold is in accordance with the Terms & Conditions you accepted during the application process and all accounts are handled in accordance with these terms.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed...

appear below.
Those charges were on the old card prior to its expiration. I will be reporting to FTC and contacting an attorney. I NEVER activated the new card.
Regards,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed...

appear below.Due to the fact that I was sent to collections only 3 days after missing a payment, which I had not ever been late before, thus ruining my credit for thisRefusal of reversing the $27 late chargeJust as the company called regarding the missed payment, this company could have placed a courtesy call before or reminding me before payment was dueSending a consumer to collections only 3 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.

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

We cannot accept unsigned documents.  Additionally, this document must be notarized to validate authenticity.

Your account was written off as a bad debt on 9/30/15 and was sold to UDH, an outside debt buyer, on 10/30/15.  Upon sale of the debt, CFC had no further relationship with you and cannot assist with concerns over the collection efforts by the current owner of the debt.  We have forwarded...

your concern to their agency and you will receive a response after their review.

As indicated during the call on April 25, 2016, the statements you are receiving are 5 days after your due date and are the next billing statement with a due date 25 days from the date you receive the notice.  Therefore, you are not receiving statements late as you indicated.  The...

late fees that were assessed were due to your failure to make your payments timely or satisfy the total required payment due during each billing cycle.  Additionally, you had received 2 late fee reversals last year so you were only provided a refund of 1 late fee on March 23, 2016.  Since the fees have billed accurately to your account, we are unable to honor your request for additional late fee reversals.  Your account is at a current status.  Please remember that when you receive the notice that your statement is available it is for the statement that just cycled and is not regarding your former payment due date. 
 
Sincerely,
[redacted]
Vice President
Customer Relations

As stated in our previous response, you have already received a refund of the late fee and your account is now current.  No further action is required as we find that your request was to have the fee waived and the account current, which has already occurred.  This situation has been resolved.  Additionally, not all calls are recorded.

Don't do business with this shoddy company! I needed a credit card for an unexpected trip. The first thing they do is bill you $125 processing fee. Then they ask for a payment that day. (You can tell them you are paying on the due date). So I get my statement. My payment is due on the 27th of the month. So I pay my July payment on July 25th, I pay my August payment on August 27th and then I make my September payment on September 3rd. So now I am ready to make my October payment by October 27th. I get an email on October 7th, telling me that my payment is past due and now I owe 105.00. WHAT??? I call them and I am told that because I paid on the September payment on the 2nds, it was processed as an extra August payment and so therefore I am late. So now I still owe September and I owe October and a $35 dollar late fee. She said if I would have paid on September 4th it would have been the September payment. She would not help me but got a supervisor. I got the same runaround and he said he will talk to corporate. So now, although I paid my payment early, I owe late fees, an extra month payment and they are turning me over to credit bureaus as a late pay. I am cutting this card up and paying these loan sharks off ASAP. Don't do business with them!!

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.

In accordance with federal regulations and the policy of Continental Finance Company (“CFC”), CFC must determine your ability to repay the debt based upon the higher requested credit limit.  In order for CFC to determine your ability to repay, we must obtain your monthly income and...

review your recent credit report in order to determine your ability to repay the loan.  CFC may not extend additional credit if it has been determined that you are unable to repay the debt or if CFC decides to discontinue offering credit limit increases, altogether.
 
Continental Finance Company is working diligently to implement a process in accordance with this federal regulation; however, as of the date of this letter, this process has not yet been finalized.  Therefore, we regret that we cannot honor your request for a credit limit increase at this time.  Please check back with us again in sixty days. We apologize for any inconvenience this may have caused.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. I have filed a complaint with the Delaware Dept. of Banking, and they are investigating this.I have to call in every month to get the fee adjusted from $12 to $10, in addition to ALL of the other problems that they have caused me, from revoking my card to sending back online payments as their system rarely works. In fact, they never even responded to this complaint at all. I was told that it had been closed. They should credit me for the entire balance on the card for my aggravation.