Continental Finance Company

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 stated on my initial complain that the account was closed back in November 2015 via phone. However, and most recently I've received a billing statement from your company stating that my account still open. I need to know if a written letter is neeed for Verve to FINALLY and PERMANENTLY close my acoount.

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 still would like to know how my original balance was doubled when the account was closed. Thats like me selling a product then turning around and doubling the original amount. This is first class fraud.

All statements have 2 pages, regardless of whether they are mailed or viewed online.  the first shows all account activity for that billing cycle and the payment remittance slip.  The back of the first page reflects required disclosures regarding calculation of interest, as well as, billing disputes.  And the second page will include any account activity that could not fit on the first page, as well as, any account messages or "important News".  in this section is where your Annual Fee message appeared.  Therefore, our response to this matter remains unchanged as your account was handled in accordance with the Terms & Conditions of your account.  Please contact Customer Service at [redacted] if you would like further information regarding your Terms & Conditions.

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.
While the business documents are correct this does not address my original complaint.  As I stated I spoke with two representatives who both assured me the $125.00 was accessed after the first year, therefore what your representatives are saying and what your documents are saying are two different things.  THAT WAS MY COMPLAINT!!!!   And since that is the basis of my request and problem with your company I still request my original request and would like my 125.00 refunded or my credit line increased for that amount.  I am keeping the card active.

Better Business...

Bureau:
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 amount in question was taken from my checking account on June 12th while funds were not made available to me over 10 days later, resulting in missing out on a car rental I had reserved.  Upon calling Customer Service I was told that any payments made from a checking account will take 8 days.  If my funds were immediately taken and posted why then wasn't MY money available to me.  This matter is very disturbing to me and I wish for a proper response.

[redacted],
Our records indicate that when your December 19, 2013 monthly billing statement generated, you had a payment due date of January 13, 2014, with a total required payment due of $35.00.  Since no payment was received during the next billing cycle, you were assessed a $25.00...

Late Fee, in accordance with the Terms & Conditions of this card.  Your next payment due date was February 13, 2014, with a total required payment due of $95.00, derived from the current $35.00 due, the past due amount of $35.00 and the $25.00 Late Fee.  This calculation of the total required payment due is ion accordance with the Terms & Conditions you accepted during the application process.  On February 10,2 014, we received a $70.00 payment; however, since you failed to satisfy your total required payment due, you were considered to be past due and assessed a $35.00 Late Fee, in accordance with the Terms & Conditions of this account.  Your next payment due date was March 16, 2014 with a total required payment due of $95.00, derived from the current $35.00 due, the past due amount of $25.00 and the $35.00 Late Fee.  Our records further indicate that you were provided a courtesy refund of the $35.00 Late Fee.  The refund of this fee will reduce your balance owed but does not reduce the total required payment due.  When you made your $70.00 payment on March 13, 2014, you had failed to satisfy your total required payment due and was assessed a $35.00 Late Fee.  Your next payment due date was April 13, 2014, with a total required payment due of $95.00, derived from the current $35.00 due, the past due amount of $25.00 and the $35.00 Late Fee.  Since no payment was received during this billing cycle, you were assessed a $35.00 Late Fee.  Your next payment due date was May 14, 2014, with a total required payment due of $165.00, derived from the current $35.00 due, the past due amount of $95.00 and the $35.00 Late Fee.  Since you failed to make a payment by this payment due date, you were assessed a $35.00 Late Fee.  Your current payment due date is June 13, 2014, with a total required payment due of $235.00.  Please be advised that failure to satisfy this total required payment due by the payment due date will result in the assessment of additional Late penalties and the negative reporting of your account to the three credit reporting agencies.  Please submit your payment of $235.00 using one of the following payment arrangements:
·         Internet payment method (no processing fee associated with this payment method)
·         Phone payment with Customer Service Representative (a $10.95 Western Union fee is associated with this payment method)
·         Via USPS to the payment address of:  Continental Finance Company, PO Box 105125, Atlanta, GA 30348-5125 (Please include full 16 digit account number on payment for proper posting)
In summary, we find that your account was handled in accordance with the Terms & Conditions of this account and no further action is required. 
Sincerely,
 
[redacted]
[redacted]
[redacted]
 
This is an attempt to collect a debt and any information obtained will be used for that purpose.

Please see the attached printouts of activity for 2013.  We also have included a closure letter , per your request.

Per your request for clarification of the account balance, we have attached the printouts of your statements that generated when this account was first issued as a Matrix Discover card.  The statements after the conversion to a Matrix MasterCard have been requested and will be mailed by our processor to the home address on file.

Our records indicate that on 9/9/15, we received an application for credit online for the Surge MasterCard containing your personal information.  This application for credit was submitted after receipt of a direct mail solicitation sent to your address on file.  You submitted the...

application for credit and were approved for the Surge MasterCard.  We are including a printout of this application for your reference.  We find that the personal information listed on the application is a match to the contact information you provided to the Revdex.com, with the exception of the email address.  As indicated on the Terms & Conditions on the direct mail solicitation, as well as, the Terms that you were required to accept during the application for credit, upon approval, the $125.00 Annual Fee would be assessed to the account.  On September 21, 2015, you contacted our Customer Service Department and stated that you had not applied for this account.  You were advised to file a police report indicating you were the victim of Identity Theft.  On October 20, 2015, you again contacted the Customer Service Department and requested closure of the account.  The account was closed on this date.  In accordance with the Terms & Conditons, accoutns that are closed within 60 days of inception and have not been activated and/or used for purhcases will have all fees reversed and there will be no financial obligation on the debt.  On November 20, 2015, the balance was removed from the account and you have no financial obligation on this debt.  Therefore, no further action is needed.

Poor customer service due to the fact it take to long for credit decision there is no corporate relations number for consumers if they have issues with the services.

Ms. [redacted],We have researched your concern and find that on May 2, 2015 you had logged into your online account access and processed a payment of $67.39 with a post date of May 26, 2015.  Additionally, on May 12, 2015, you logged into your online account access and processed a payment of...

$317.39 with a post date of May 15, 2015.  When you contacted our Customer Service Department on May 28, 2015 and expressed concern over both payments posting to your account, stating that you had not authorized the payment of $67.39.  You were advised that since this payment was processed online using your secure login information, the payment is considered to be valid.  Your account had a credit balance of $55.39, which was utilized by 2 purchases made in June .  Your account balance was $13.61; however, as  a courtesy, 2 monthly maintenance fees were reversed, providing the account with a credit balance if $10.39.  This amount was sent to you in the form of a refund check.  Your account was closed, per your request, on June 11, 2015 and has a zero balance. Sincerely,
 [redacted]Customer Relations

We find that the account you have contacted us about is not in your name.  Although you are listed as an authorized user of the account, due to privacy laws we cannot respond to this concern because you are not legally obligated for this debt.  Please have the owner of the account contact...

us regarding any concern he may have over the charge off of this account.

On July 28, 2015, your address was updated per receipt of proof fo your new address.  On August 4, 2015, your account received a total Late Fee refund of $95.00 and your total required payment due was reduced to $35.00.  We find that your account has been provided courtesy refunds and...

no furhter action is required.

Our records indicate that on July 30, 2015 a Supervior closed the account and reversed the remaining balance.  Your payment history has been updated to remove the negative reporting after payoff in February.  This update will report to your credit file when the account cycles on September...

17, 2015.

The attached was mailed in response o this concern.

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. 
Regards,
 ** Be it noted that I, [redacted],...

repeatedly checked with the USPS Authorities and no " Surge " Credit Card/Master Card was ever sent/delivered to my address. Furthermore, I have 38 years of Law Enforcement as Chief of Police of the Community and this Continental Finance Corporation has numerous Complaints lodged by other Consumers against it for Consumer Misinformation, bordering Consumer Fraud, and they are looked at by both State and Federal Agencies for such actions as alleged by Consumers.

The attached was mailed to Ms. [redacted] today

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.
[redacted]
[redacted]
[redacted]
 
[redacted]I accept the resolution from the business in question. I was able to print it off from your site.  I see the letter is dated January 5, 2016 and was mentioned in a previous email it was sent to me. Today is January 20th and I still haven't received it via mail.That's the interesting thing about this because, that's the kind of service I continued to receive after I honored part of the agreement. I truly believe if I didn't utilize the Revdex.com tool, I wouldn't have this type of response from them.  I asked to speak with management multiple times before it went this far. No one gave me the answer I needed, only saying this is all I can do "call back in 72 hours".Thanks for you assistance!

Ms. [redacted],Our records indicate that this matter was corrected when the Accounting Department posted the misapplied payment to your account and backdated the payment to the original receipt date to correct any Late Fee and Interest Charges.  It was furthter found that your account was provided...

three $35.00 Late Fee reversals when only one $35.00 Late Fee was assessed.  Your account has been debited for the $70.00 erroneous credits.  Your account is current with a $35.00 Payment due on August 20, 2015.[redacted]
[redacted]
[redacted]
[redacted]

As indicated in the 3/22/15 monthly billing statement sent to your address on file, all charges that you have classified as fraudulent have been reversed from your credit card account and you have no financial obligation on those purchases.  therefore, this matter is resolved and no further...

action is required.