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Continental Finance Company

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Reviews Continental Finance Company

Continental Finance Company Reviews (680)

Review: I have been trying to contact this business to cancel my credit card because I never use the card and I'm paying a monthly fee for a card I never use. EVERY time I try to call them, I'm automatically hung up on. I have tried calling all the phone numbers listed for them at all times of the week (Monday-Sunday) at different times during the day. I only get their automated system and when I try to get a representative on the phone, once again, I get disconnected. It happens every time I call. I've tried calling at least 30 different times. Nothing.Desired Settlement: I want my credit card cancelled as well as my online account disabled.

Business

Response:

[redacted]

We find that your account was closed, per your request, on December 18, 2013 and your payment on December 16, 2013 had resolved any outstanding balance owed. Therefore, your account is closed and you have no further financial obligation to us.

We find that no action is required for this concern as the concern was resolved on December 18, 2013.

Consumer

Response:

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

Review: fraud charges reverse back to me

charges made in mexico have reverse back to me to pay they list them as reverse fraud transfer as if I made themDesired Settlement: for them to pay fraud charges and not me and to close the acct

Business

Response:

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.

Review: I closed out this credit card back in March of 2013 When I paid it off right after they sold it. Apparently in the middle of selling it they "lost" my payoff online and whoever closed out my account did not close it properly causing the account to be charged the annual fee. Which I have not received a bill for this since I closed out the account or has it showed up on my credit report that I have been aware of. Now I have a lawyer calling me saying the company is going to take me to court for the almost 900.00 dollars I owe them on the card. When I tried getting ahold of someone with the company the first person "Larry" said I had never made a payment on the card, ever, gave me a fax number to corporate and they would call me back. Second person I spoke with "Jamilah" said that it had been turned into a debt collector and she couldn't give me any information on the account I would have to contact the debt collector BUT wouldn't give me the number to the debt collector. I went online pulled my credit hoping to get a better contact number and not only saw a charge off for this acct but was given a number for Mid-American Bank Trust which routed me right back to the call center and couldn't get ahold of anyone this time. I called back the laywers office and told them I refused to pay the 900.00 and they brought it down to 717.00 I have a payment plan with them to pay this off because I work in financing and just want the charge-off taken off my credit before it ruins it more, but this card WAS paid off in 2013 and the account was closed which NO ONE has record of AND when I asked if I could find my bank statment showing I had paid if off would that help the laywers office said no because that doesn't prove I PIF all that proves is there MIGHT have been a payment made but if I found the PIF paper they sent me AFTER I paid it off that would prove it was paid off. I have NEVER received a letter stating I paid off a credit card after paying off any of my cards. So they have set me up to pay twice.Desired Settlement: DesiredSettlementID: Refund

I want my refund of the 717.00 from the credit card company.I not only have tried getting ahold of someone to send me all of my payment history since I paid everything online and no longer have access to that account, but I have "Larry" saying I NEVER made a payment on the card when even on my credit report it shows I made payments up until I paid it off and then closed it, but then it shows I "stopped" paying but I didn't stop paying to my knowledge the card was pai

Business

Response:

Our records indicate that your account had fallen seriously delinquent due to your failure to make payments on the account. On March 19, 2014, you requested the account be closed, and per your request, we closed the account on this date. However, due to the severity of your delinquency, the account was written off as bad debt on March 31, 2014. The debt of $746.99 was then sold to UDH, and outside debt buyer, on April 29, 2014. We have no record of any payment being received prior to the sale of the debt. Additionally, any payments received after April 29, 2014, would have been forwarded to the debt buyer. CFC no longer owns this debt and cannot assist you with the balance owed to the current owner. Please contact [redacted]

Review: I had my credit card stolen I called continental 5 weeks ago. I explained t them I had several hundred dollars of fraudulent charges. After talking to them for several days they said they would send out a dispute form.. They never did. They told me I didn't have to pay charges .... I asked them how would they report it to credit bureau ,,,they said it would be reported disputed, that it would not affect my credit ...on several occasions different occasions they said the same things..never once did they say to pay and then they would reimburse me. ( if they told me the truth I would have paid). They dragged and dragged there feet.. This morning I checked my credit like I do every Monday , I have been carefully repairing my credit for the past 4 years. My credit score dropped dramatically. They severely damaged something I've worked on for years. They reported me past due, ( I have 412 on time payments in 4 years) they reported me over my credit limit... Both of these things contribute to a 42 point drop on my credit score.. No one there cares, they transfer me from department to department. Finally today 5 weeks later I get the dispute form..if they would have sent it when they said all this would have been avoided.. If they would of said pay your bill and we will square up when we do the dispute..How can they do this to people , now I cannot buy a home , or get a descent loan until this is resolved.. They are playing GOD with my credit and my financial well being. They are shifty, underhanded , nasty and they just don't care.. Please, please help meDesired Settlement: They need to correct there error and report to the credit companies so they reverse the negative impact. Tell them it should have been reported as in dispute. 2nd I want the fraudulent charges to be reversed and credited back to my account or if I pay for them send me a check as I would rather starve to death than ever use there credit card again..3rd I want a timely solution outcome, so I can begin to use my credit again.. I would like a phone call, I would like someone to DO THERE JOB AT CONTINENTAL..

Business

Response:

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.

Consumer

Response:

Review: Hello Revdex.com thanks for taking the time out to hear my problem. This account with Continental Finance Company has a major erros on my credit report with billing errors. September 2013 and October 2013 this company is reporting different information to each bureau . It has alleged Late payment that is not true at all and is causing my family and me financial injury . This account was Not paid Late Ever and I should not be held accountable for us mail service or internal billing problems with MABT CONTINENTAL FINANCE COMPANY . This is serious to me and my family becaus e it already cost me 11,000 of non-refundable deposit on a new home .REMOVE ANY AND ALL LATE PAYMENTS ALONG WITH NOTATIONS IMMEDIATELY.. My first request was 60 days ago was ignored . I wrote another request and I called with no evidence or reason being provided other then that's what our records show . At this point I have no one to turn to or to help me. This account is actually preventing me from saving my family from being homeless as we gave up our lease when we put money down on tha house.NO ONE SEEMS TO CARE THAT WE ARE HUMAN BEINGS AND SHOULD SHOW RESPECT AND COMPASSION FOR OTHERS .. After all someday we will pass leaving behind only the family we have cared forDesired Settlement: This negative listing is causing me financial harm and emotional stress and is by term defamation . Remove this erroneous information from all 3 credit bureaus immediately ..

Business

Response:

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]

Review: I am on a medical and I have credit protection thru this credit card it has been since sept 24 they have paper work and still have not approved by benefit. I do not have money to pay funds this month and they are taking there time on approving this benefit to come to me.Desired Settlement: This is under no reason should not be approved and done already this is ridiculous. When ur sick no reason for more stress. Thank you

Business

Response:

[redacted],

The Credit Protection Department is already in the process of extending your benefit for an additional 6 months. These payments will be made as soon as the claim is processed in their system. Therefore, no further action is required.

Sincerely,

Review: While I closed my account several months ago and continue to make payments, the company refuses to let me either see my account online or obtain a free paper statement. When I use the automated system, my balance recently jumped from $18 to $30 (I was about to make the final payment) but they cannot explain why or what happened. I am doing my part and paying until this is paid off but as I get closer to zero it seems to be more and more difficult. There is no interest was $12 on a months balance of such a low figure.Desired Settlement: I do not believe it is too much to ask for to obtain the last few months statement of my account. I want to pay this off this month, in good faith.

Business

Response:

[redacted]

When your September 10, 2014 monthly billing statement generated, you had a balance of $149.28. You made a $75 payment and a $56 payment which brought you to a residual balance of $18.28. When your October 10, 2014 monthly billing statement generated, you were assessed the $12.00 Monthly Maintenance Fee. As stated in our previous responses to your concerns filed, this fee will be assessed each month until the balance is paid in full. Therefore, your balance is $30.28. Please submit payment in full prior to your next cycle date of November 10, 2014 to avoid the further assessment of the $12 fee.

Review: I paid my December credit card bill around the 24th of December and it was due on the 15th or 16th. When I logged onto their website, it stated that the minimum payment was $74.00 and I assumed that this was because I was a week or so late on my payment. My usual payments are $35.00. I paid the $74.00 and moved on. I then receive an alert on the credit bureau stating that I had been reported by them for a 30 day late payment. I called the customer service office, spoke to a woman who stated that there had been a mistake, and all I needed to do was fax over the credit bureau report and they would fix it. I was on my way to work and advised her I would call back after work, I called back when I got home and spoke to a representative who seemed sleepy and disinterested in my issue, I asked for a manager. She places her manager Ray I think his name was, on the phone who began to scream at me, tell me that I am always late ( I have never had a credit bureau mark since I opened the card in 2008) and that I need to pay my bills on time. He refused to listen to me and I asked for his manager. His screaming and berating of me left a lot to be desired and he should lose his position. He places me on hold for 30 MINUTES, then a nice gentleman comes on the line and tries to diffuse the situation but by that time I had had enough. The credit practices of this company are questionable, their customer service horrible, and they report incorrectly on your credit and refuse to take responsibility for it. I have disputed this transaction on my credit report and will be following up with this. I called back and spoke to a Keith and asked for the names of the managers I had just spoken with and he refused to give them to me, then told me it was [redacted]Desired Settlement: I want my credit adjusted and the 30 day credit bureau mark removed.

Business

Response:

Please provide a copy of the alert and the bureau on which this negative reporting has occurred so that we may further investigate your concern.

Review: I was late making 2 payments to Continental Finance due receiving online statements instead of paper statements. I explained the situation to them and asked if they would reverse the chargess a courtesy to me, I was told the late fees would be removed. This was the first I was late on payments, I did go back to receiving paper statements and have continued to make my regular payments. How ever the company continues to compile late fee upon late fee. Their operators call 10 times a day, I have refused to take their calls, nothing is accomplished. I've written letters to [redacted] at least 3 times explaining the situation, still keep receiving statements with late fee upon late fee. I've been making my regular payments & have cut up the card and mailed it back.Desired Settlement: Refund or reversal of all late fees and close account.

Business

Response:

Our records indicate that [redacted] account was opened on September 16, 2012. He maintained a positive payment history from September 2012 through March 2013 but utilizing the online payment method via the website of [redacted] However, [redacted] failed to make his required payment due of $35.00 prior to payment due of April 14, 2013. As a result, he was assessed a $25.00 late fee when his April 20, 2013 monthly billing statement had cycled. His next payment due date was May 15, 2013 with a total required payment due of $95.00. A $35.00 online payment was processed on April 21, 2013; however, since no other payments were received during this billing cycle, and since the payment did not satisfy the total required due of $95.00, his account was considered past due and assessed a $35.00 Late Fee. When his May 20, 2013 statement cycled, he had a total required payment due of $130.00, with a payment due date of June 14, 2013.

We further show that on May 20, 2013, a letter was received from [redacted] stating that he was not at fault for his payment not being received by the payment due date. He stated that the payment delay was a result of a name change by Continental Finance Company, LLC to [redacted] I left a voicemail for [redacted] on this date informing him that CFC has not changed our name and are not now, or will ever be, affiliated with [redacted]. I requested that he forward a copy of any documentation he may have received regarding this name change or to contact me via phone to discuss his method of receipt of this information so that I could further research this erroneous information. No call was received from [redacted] nor did we receive a copy of any correspondence with supporting documentation of his allegation of a name change by CFC.

During the June 2013 billing cycle, we received a $35.00 online payment on May 22, 2013 and an additional $35.00 online payment on June 14, 2013. Since the total of these payments did not satisfy his required payment due of $130.00, the account was considered past due and assessed a $35.00 late Fee.

His next total required payment due was $130.00 with a payment due date of July 15, 2013. Although [redacted] made a $35.00 payment during his July 2013, August 2013 and September 2013 billing cycles, he is still failing to satisfy his total required payment due, resulting in additional Late penalties. Although we find that all Late Fees were billed in accordance with the Terms & Conditions of this account, I have provided his account with a refund of two $35.00 Late Fees, as a courtesy. The amount of $70.00 will be deducted from his next total required payment due. His account was closed, per his request, on July 2, 2013. Closure of an account does not suppress the billing of fees until the balance has been paid in full. We encourage [redacted] to pay the TOTAL REQURIED PAYMENT DUE when he receives his September 2013 billing statement, scheduled to cycle on September 20, 2013. Failure to pay the total required payment due will result in the further assessment of late fees.

We trust that our response to this matter will be met with your satisfaction,

Consumer

Response:

Review: In April (2015) my wallet was stolen a police report filed and later my wallet returned. I had canceled my "Verve" Credit card with the company Continental Finance same day. I asked them if the had my new address on file when the card was canceled and a new card was issued. I did not receive my new card and I stopped receiving a paper bill. The previous two payments (March and April) were payed with a check and the paper voucher with the address change filed for my new address (as of Feb 2015). There should have been no reason for the stop in my paper bill being received.My online account was no longer active as well and you can not activate or reactivate an account without a card and I had yet to receive my new card in the mail. I called Continental Finance and inquired about the status of my bill and my new card at the end of may beginning of June. When I spoke with the rep I was told that a new card had just been re-issued again and to wait the full 14 days to give the card a chance to arrive. I had asked if I could have copies of my bill sent to me she said yes the would put in the request, I verified my address. I then asked if I could pay my bill over the phone she said yes that was not a problem. She then informed me that there is an additional 10+ dollar charge to process a payment over the phone I said I did not want to pay the fee is I could just have a bill I would be more then willing to keep sending the checks till I could get back onto my online account. I was then told that yes the bill was being sent and it could take up to 14 days for them to arrive. I waited for the bills to arrive and they were never received. I called Continental Finance again informed the rep of the situation and how I had yet received any bill or the new card. The rep went through my file. He asked how I had my change of address I stated that I had used the payment voucher and checked the box to indicate an address change and filled out the information for my March and April payments. He then stated that it would have been better to have called for the address change I then asked why do you have an address change option on the payment voucher. He then informed me that I would need to send in prof of residency with either a utility bill, I said that it was not in my name but my name is on the lease. The rep informed me to send in a copy of the lease. I then asked about the fees that are on the account while this problem is being resolved and about making a payment. The rep advised me NOT to pay on my bill because my account was inactive and that when the lease is received and the account activated again that the fees would be removed. I then asked the rep if I could again please have copies of my missed bills sent to my address. I then verified my address and was told that it could take up to two weeks to receive the copies. I sent out a copy of my lease to the [redacted]. I now received an August Bill showing a minimum payment of 245.00 and a total of 216.00 in fees applied to my account. I called continental finance again and spoke with a rep. The first rep I spoke with was reading all the notes in the account and was confused and then transferred me to a supervisor. I then spoke with [redacted] employee ID [redacted] I explained what had been going on how I had spoken with the last rep who advised me to not pay on my bill. The supervisor had informed me that she cannot change my minimum payment and how she can only remove the previous two late fees. I then told her that I was told by the rep to not pay that the fees would be waived. I explained how if I had just received a bill that there would be no problem I would have continued paying by check. I then stated how I would not pay the addition fee to process a payment over the phone because this has not been my error, she then stated that she could courtesy the western union fee to make a payment. I then stated that if she could waive the fee now then why had the rep in the very first phone call not waived the fee which would have prevented the fees from ever being place on my account. She then kept apologizing for the previous reps. I said then stated how I don't see how that it is my fault about your reps and now I have to pay fees to your company. she then stated that when the card had been canceled that it is expected to continue paying on the balance. I said I understand I have not had access to my online account which I can not set up without a credit card and I have not yet received my new card as previously stated. She then informed me that I had not received my new card because the Post office had been sending it back to the company stating an invalid address. (which I had verified on every call to be correct) I then asked how it was my fault that after verifying my address when speaking to them that I was at fault and had to pay the fees. She continued to apologize and state how she could only remove the past two fees. I then asked if there was a department that I could dispute the other charges with due to their employees telling me postpone my payment and not informing me that due to the address problem and no bill that the phone payment fee could have been waived, so I now have fees that "can not " be removed. She informed me that I would have to Fax or mail any dispute to the cardholder services. She informed me that disputes are resolved faster by fax and that by mail it could take up to 30 days to resolve a dispute. I then informed her that I would be contacting the dispute department and the Revdex.coms. I then asked about the fees that she was able to remove to be removed for the time being as a start.Desired Settlement: I would like my account to go back to when I had been payed the april payment before this problem began. I also would like to have my missed bills sent to me as a record of this incident as I have not yet received these copies. I would also like to receive my new card so that I can set up my online account. I wish to make my normal payments on the card till it is payed off then I plan on terminating the account so that I do not have to hassle with this company. If there are other resolutions that are reasonable to my situation I would be more then willing to look into those options. I am not willing to pay fees that are placed on my account when all I have asked for is to pay my bill without additional fees.

Business

Response:

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.

Review: I have made several attempts to pay my minimum balance online with Continental Finance Company, LLC

P.O. Box 8099 Newark, DE 19714-8099. They issued a new card to all of their customers (Change from Discover to MasterCard). When I had the Discover Card I was able to easily go online and apply payments to my account. Now that the card company has made major changes and updates I have been given the run-around on using the online product. The company has no idea what is going on and each time I call I get a different story. This is confusing and most of all discouraging to consumers. I have been told now that I can make a payment over the phone for a $9.95 fee. Why would I incur more fees against my account when the company is offering free online payments. When I spoke with a representative on December 9, 2013 she repeatedly insisted that I had not logged on correctly. Although she is stated that the system shows that I made my previous payments on time using their online payment method. She asked me for my password and log-in information over the phone. I refuse to give out that information over an unsecured line. Credit card or any financial institution must have polices in place to protect their customers from fraud. I felt miss-lead and I am not confident in the professionalism of Continental Finance Company, LLC. As a result of this change that was made I am being charged late fees as I refuse to pay $10.00 to make a payment when I should be able to make the payment online. It has caused an inconvenience and surely warrants investigation. I believe I am being scammed into paying an extra $10.00 for a service that is not necessary. I was told that $25.00 was credited back to my card on December 6, 2013 for late charges. Although nothing has been done to resolve the issue with my account and the accessibility of viewing my online account. I opted for online statements and account access but I have not been able to do any of this since November 2013. I am afraid for my personal information and I believe I have become a victim of credit fraud. I have reason to believe that Continental Finance Company, LLC web-based products have been compromised. This is a risk and liability for all consumers associated with this company.Desired Settlement: If the $35.00 late fees are not credited and my account is not fixed I will be filing a credit fraud report with the FBI and the Federal Credit Bureau.

Business

Response:

[redacted]

At the time you were notified of the conversion of your Discover card to a MasterCard account, via email and mail, you were also informed that your new MasterCard account would need to be registered online to begin making payments via that avenue. Since you had not registered your new account number, you would not have been able to make payments via that method. Our representative offered to stay on the line with you to assist with the registration process and also processed your payment over the phone with no Western Union Fee as a courtesy. Our records further indicate that on December 6, 2013 you were provided a refund of the $25.00 Late Fee that had been assesed to your Discover card account. This fee credit was moved to your MasterCard account on December 9, 2013. We find that no further action is needed and that this concern has been resolved.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I only ask that policy and procedures be followed and put in place to avoid any future confusions. I registered my card via the initial correspondence and repeated this process several times with representatives of Continental Finance Company, LLC over the phone. As a government employee myself I know that is not proper protocol to ask a consumer for their password information over an unsecured line. This needs to be addressed and a standard recognized to protect a customers private information.

Review: I was Approved for a Credit Card thru this company my Min. payment is $35.00 a month I had 1 month that I was going to be 4 days late so I called and made arrangements I was told it would be noted to my Account come to find out that they had charged me a late fee I was not told there would be a late fee even when I made the Payment over the phone until I tried to use my card and it was rejected that was the Embarrasement so when I called they said I had overdrawn on my card I don't see how I had just made my Min. Payment then they proceeded to tell me that My Next Payment was $95.00 that they had Charged me a $25.00 late fee well by my calculations $35.00 & $25.00 add up to is $60.00 NOT $95.00 well I after a month of arguing with the Supervisors they refunded $25.00 back to the account because they said we had 2 late fees and I argued with them on how did we have 2 when the following payment was on time so then after making the payment in January we heard from them a total of 7 times before the next payment was Due finally a employee told me that if we made a payment that week of $60.00 ( we sent payment in Feb. 2nd ) payment was due on the 15th of each month that we would be caught up so we did then the 7th time they called the supervisor I talk to told me that I would have a total of $80.00 Credit on the 16th of Feb. I used my card a total of 3 times for a total of Purchases of $36.56 I went to use it again and it was declined so I called and Now they are saying I have a payment of $105.00 Due I refuse to Pay it and I want to know where my Money is and I want every payment I did make back . Please find out what is going on cause these people are Mis representing them selfs and I am trying to rebuild my credit and I can't with People like this Thank You & God BlessDesired Settlement: I just don't want anyone else to get treated like this but if they are doing it to me then they have gotten away with doing it to others.

Business

Response:

Mr. [redacted],Our records indicate that you had a payment due of $35.00 with a payment due date of December 15, 2014. Since no payment was received prior to next billing cycle of December 18, 2014, you were considered to be past due. You were assessed a $25.00 Late Fee, in accordance with the Terms & Conditions of this card, and your next payment due date was January 15, 2015, with a total required payment due of $95.00, derived from the past due $35.00, the current $35.00 and the $25.00 Late Fee. On December 20, 2014, we received a $35.00 payment, as well as, a $35.00 payment on January 18, 2015. Since these two payments did not satisfy the total required payment due of $95.00, you were considered to be past due and assessed a $35.00 Late Fee, in accordance with the Terms & Conditions of this card. Your next payment due date was February 15, 2015, with a total required payment due of $95.00. On January 29, 2015, you were provided a courtesy refund of the $35.00 Late Fee. However, reversal of this fee only will lower the account balance and does not change the total required payment due on the account. This information was disclosed to you, as well as your spouse, during the January 29, 2015 phone conversation. Since we only received a payment of $60.00 prior to your statement cycle of February 18, 2015, you were assessed a $35.00 Late Fee and your next payment due date is March 15, 2015, with a total required payment due of $105.00, derived from the current $35.00, the past due $35.00 and the $35.00 Late Fee. To bring your account to a positive status and to avoid further assessement of Late Fees, please submit your total required payment due of $105.00 prior to the payment due date of March 15, 2015.We trust this response will be met with your satisfaction.Sincerely,[redacted] This is an attempt to collect a debt and any information obtained will be used for that purpose.

Consumer

Response:

Review: I have credit protection with this company they already received paperwork once months ago wanted new paper work I guess monthly did so 2 times and still they have not received to pay my benefit they are the worst company to do business with. I have verification that this was faxed and sent and ok and they still don't have it what's the deal.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want them to pay my benefit this month to my credit card and up date there systems this was sent for second time last Friday and they still haven't up loaded it plus I want to know if I am disable why do I have to go thru this mess monthly to prove it?

Business

Response:

[redacted]

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.

Review: I opened a "Matrix" card with this company under the understanding that I would pay a ridiculous annual fee, a 12.00 monthly maintenance fee (144.00 a month), outrageous interest and cash advance fees. Little did I know that if I was ever one day late I would be put into their auto dialer, that they hold the availability of my payment for 7 days, and that I am unable to use the card at gas pumps (why I have no idea). I was willing to take on these ridiculous requirements because the company guaranteed that I would be eligible for a credit line increase after a year of good payment history. I made my payments on time, I stayed below my paltry 300 credit limit, and I paid all of these fees BUT NO CREDIT LINE INCREASE!!! I call to try and get the fees reveresed because I figure if they aren't going to make good on their side of the bargain, I shouldnt be obligated to pay these fees either at least not until I get the credit line increase I AM OWED!!!! Now when I call, they all give me this line about a freeze on credit line increases due to some banking blah blah blah ut they refuse to refund any of their outrageous fees!!! They are taking money from people who need it the most and making us think that we are lucky to have a credit card.Desired Settlement: I want my annual fees, and my $12.00 "maintenance fees" refunded back to my card for the past 6 months which is the time I should have received an increase in my credit line! I also want them to raise my credit line to at least $500.00 as they promised when I opened the card.

Business

Response:

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.

Consumer

Response:

Review: My friend [redacted] got a call from Continental finance this morning from [redacted] they held the phone and didn't say anything just breathing on the phoneDesired Settlement: DesiredSettlementID: No settlement requested - for Stop calling and playing on my phone

Business

Response:

Mr. [redacted] 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.

Review: I have been getting charged $12.00 monthly maintenance fee on a closed account. I called last week and spoke to two different representatives and was told the problem would be corrected and my balance would be zeroed. I called again today after a week has passed to find out if it has been taken care of and the supervisor (Jennifer) told me I was misinformed and I still owe money. Even though two separate representatives told me at separate times not to worry about paying anything. My account notes still show where they both said it would be zeroed with still no resolution.Desired Settlement: For my maintenance fees to be refunded to my account as promised by two people told me.

Business

Response:

[redacted]

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.

Review: When I applied for this credit card. I specifically asked if I will be able to rent a car they said yes it is a discover card. So I go out of town get to airport they run the card and tell me no this is a 3 rd party billing card so no car stranded. Luckily I had a 2nd reservation just in case. So I came home and tried to cancel. They never answer, so I mailed a letter no response. Now they closed the so called discover and made it a MasterCard I DONT WANT THE CARD. It can't be used everywhere. JUST CANCEL THE CARD and refund my money.

Business

Response:

[redacted]

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.

Consumer

Response:

Review: I returned my card and canceled my account in May 2012. Since then I keep getting bills for the closed account and more and more fees. I wrtie, E-maila nd call trhem to no avail, just bills are sent. Please help meDesired Settlement: Stop then bills and help me get them to understand That I do NOT want their card.

Business

Response:

After review of the account, we find no reference to an

account closure request in May 2013. However, on July 14, 2013, the account was

closed, per the consumer's request. The account balance, as of the date of

cancellation was $288.48. However, since the account was closed within 60 days

of the billing of the Annual Fee, a refund of $75.00 was provided to the account.

Per the Terms & Conditions of this card, closing an account does not suppress

fees and finance charges from being assessed until the account balance has been

paid in full. On September 3, 2013, the account received a courtesy refund of

four $35.00 Late Fees, and one $12.00 Account Maintenance Fee. After the

account cycled on September 5, 2013, the account balance was $165.38. on

September 10, 2013, we received a payment of $157.00. As a courtesy, the

remaining balance has been removed from the account and there is no further

financial obligation to us.

We trust that our response to this matter will be met with your satisfaction.

Review: I paid my $50.00 to get my credit card (matrix) through this company back in Feb. Because I was unable to use my home number on the application to activate the card the company would not allow me to use it. After explaining to them that my home number had changed since applying for the card they were unable to do anything about the card. I have made 3 calls to receive my $50.00 back and each time I get a different answer. The first person told me I would get the refund in 7-10 business days, the next person told me it would take 60 days, then I was told by another person it would take 90 days. It has now been five months and I have yet to get the refund!Desired Settlement: Send the refund of $50.00

Business

Response:

Our records show that on April 8, 2013, [redacted] received a refund for her $50.00 Security Deposit directly back to the card used when funding the deposit. Attached is a receipt for the refund showing that it was settled, indicating that her financial institution received the refund.

Review: I checked my credit report after receiving notification that I had a delinquent account reported. I found that Continental Finance was reporting that I had a delinquent account with them. I have NEVER had an account with them; therefore this is inaccurate information.Desired Settlement: I want this removed from my credit reports. If there is an "account" in my name it is fraudulent. I would like it closed

Business

Response:

Mr. [redacted],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 $50 security deposit. You funded the security deposit and the account

was opened on January 4, 2015. You

activate the card on January 14, 2015 and began using the account for

purchases. You made 2 payments of $35.00

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, 2015 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 $500 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 [redacted] for account questions and to make payment arrangements.Sincerely,[redacted]

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Description: CREDIT CARDS & PLANS, FINANCIAL SERVICES

Address: 4550 Linden Hill Rd Ste 400, Wilmington, Delaware, United States, 19808-2952

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