Continental Finance Company

Ms. [redacted],Our records indicate that on October 6, 2015 a refund was provided back to your bank account for the duplicate $100.00 payment that posted to your Surge MasterCard.  Therefore, no further action is required.Sincerely,[redacted]Vice PresidentCustomer...

Relations

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After review of your account, we have completed an update to your payment history as a courtesy.  This update will be reported upon your next billing cycle date of March 6, 2014.
We trust that our response to this matter will be met with your...

satisfaction.
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Although this was sent through as a rejection, we find that this was just an update by the consumer regarding their interaction with the financial institution and no action is needed by CFC.

Better Business...

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

To address the concern over the conversion of this account from a Discover to a MasterCard, we are including a copy of the conversion letter that was mailed to you on October 21, 2013 advising of the conversion.  It allowed you the opportunity to have the account closed upon conversion, which you did not request and you have used the MasterCard for purchases since the conversion date.   
With respect to your concern over the original terms of the Discover card, as indicated on the conversion letter, no changes were made to the terms upon conversion.  Credit limit increases must be requested and, due to regulations, a credit report must be obtained to determine your credit worthiness.  At the time of our previous response, you were not eligible for an increase due to the account was over the credit limit by $100 and was 51 days delinquent.  As of the date of this response, your account is over the credit limit by $157.68 and is 70 days delinquent.  In order to apply for a credit line increase you need to bring the account current and wait a 90 day period before you can apply for an increase.

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.
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 applied. I 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,

Ms. [redacted],On May 14, 2015, we received a $366.22 payment via the Internet Payment option.  This payment was returned by your financial institution with a return reason of “R03 No 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 $366.22 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 $337.00 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 $35.00 Late fee.  Should you have any further questions regarding your account, please contact customer service at [redacted]Best regards, [redacted]

January 7, 2014
 
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Per you request, we have closed your Continental Finance Cerulean MasterCard account on January 7, 2014. Your balance at the time of closure was $174.76. You are still responsible for the remaining balance and any fees that may occur.  In accordance to the terms and conditions of your Cardmember agreement, closing an account does not suppress fees and finance charges from accruing on your account.
 
If you have any further questions regarding your account, please contact our Customer Service Department at 1-866-449-4514.
 
 
 
Best 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 always pay my credit card payments online.  See my history.  I went on the due date to pay my matrix cc and the website would not allow me to make a payment.  It said $400 limit, but 0 for minimum payment and payment owed.  I tried to make a payment anyways and the website would not take my payment.  Hence I turned my cc over and called the phone # on the card and it gave me a fax squeel noise so I could not call anyone from the matrix cc.  After trying every means to make my monthly payment, I had no way of contacting matrix.  After about 2 weeks I received a phone call from matrix cc and they told me they were in the process of changing/selling/moving their website/office or something and I would be receiving a new credit card in the mail.  I did eventually receive a new credit card and I tried to go online to make my monthly payment on the due date again.  And once again the website would not take my payment and stated that my limit was $400 and no minimum payment was due and their was no balance at this time.  So I turned the new card over and called the phone number on the cc and once again the fax squeal noise came on the phone line and no one answered.  I tried both months over and over to get through to this credit card company with no avail.  Hence in my opinion, I feel that this company was changing or moving and did not have this in place or contact me before my payment was due and I do not feel that I should be penalized for this companies error.  Thank you,
Regards,
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As indicated on the attached statements generated prior to the conversion of your Matrix Discover card to a Matrix MasterCard account, you had numerous months in which there was delinquency on the account.  Therefore, no error has been made in the reporting of this account as past due. ...

The Fair Credit Reporting Act dictates our responsibility as a furnisher of information to the consumer reporting agencies to provide accurate information.  This account is being accurately reported to the credit bureau agencies and cannot be altered.  Sincerely,[redacted]
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You had been provided the 6 months of protection in accordance with the Terms of the Credit Protection. Due to a change in our policy, consumers are now permitted to utilize 12 months of coverage. On October 16, 2014, the next 6 payments were processed to your account....

Therefore, you have received the maximum benefit allowed for this covered occurrence and no further payments will be made on your behalf for this occurrence.
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The attached was mailed in response to the concern by [redacted]

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.

Mr. [redacted],Your $60.00 payment that was received on 6/4/15 via US Postal Mail was posted to your account with no issues.  However, the $60.00 payment that you processed on 6/25/15 via the Internet payment option, as well as,  the $70.00 payment from 6/10/15 and the $99.20 payment...

from 7/10/15, both processed online, were returned due to "unable to locate account".  This would occur when you have miskeyed your bank account number online when processing a payment and failing to correct that account number prior to making additional payments via this avenue.  Please review and update your bank account information online to avoid further returned payments.Sincereley,[redacted]Vice PresidentCustomer Relations

this is not true. I have one account with this company it is and has been in good standing. They were saying they wanted to lower my interest rate, etc but everytime I told them to stop calling, they didnt. I DO NOT have an account that...

is in collections with these people. Please look into this further!

We have forwarded the documents you have provided to the Insurance underwriter and you will receive a response from their agency regarding your continuation request for your claim.

First, my name is not [redacted]. It's Holly Carroll-Williams. Also, the letter from Continental Finance states that I have the "Verve MasterCard" that is also incorrect, I have the Matrix Card. I was told by 3 employees of...

Continental Finance on June 11th 2016 that the replacement credit card was NEVER mailed out to me. I did not request that my account be closed on June 11th 2016. I told representative, Christian, that I would wait to make that decision when someone called me back regarding refunding my fees. He advised me on June 11th that someone would contact me within 72 hours regarding the refund of the fees. That never happened. My card was closed without my requesting it to be closed. The letter from Continental Finance states "the
fees have been removed from the account". Where is my refund? I have no credit on the account nor did I receive a check? Please make corrections and advise as to when I will receive my Refund of $123.00.

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

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We are in receipt of your letter concerning the assessment of the Monthly Maintenance Fee of $12.00 each month on your account.
 
Please refer to the Section of your Cardholder Agreement titled: Fees and Other Charges. The Monthly Maintenance...

Fee section reads as follows: Your Account will be assessed a monthly maintenance fee, which will be billed at $12.00 per month to your Account (“Monthly Maintenance Fee”).  The Monthly Maintenance Fee will not be billed in the first 12 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 a reduction or elimination of this fee.
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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 wanted to know if this was reported to any credit bureaus.