Continental Finance Company

Review: On 4/26/13, I submitted payment in full in the amount of $265.45 with a copy of the New Balance due statement, with instructions to close the account, dated and signed. The check was cleared by my bank 5/2/13. I received an additional statement payment due date of July 17,13 for $4.95. I paid that amount on 6/12/13 with "2nd request to close account," dated and signed. I then received a New Billing Due Date of August 16, 2013, for $101.85. I sent that statement back with a note, "Not Owed, 3rd Notice," mailed return/receipt, signed by [redacted]. I called Continental Finance and spoke with [redacted] on 8/27/2013 and he assured me this account would be "fixed" and I would receive notification of account paid in full within 7 days. I then received a statement Payment Due Date of September 16, 2013 for $148.85. I called Continental Finance again and spoke with [redacted] on 9/16/2013. He stated, "You are not responsible for this bill and I will make sure the account is "fixed" and you will receive notification that the account has been closed." I then received a Payment Due Date of October 17, 2013 for $16.95. 5 Months to close a simple Credit Card account and it is still NOT closed and showing I owe $16.95.Desired Settlement: I want the account FINALLY CLOSED, a letter showing a ZERO BALANCE, and the reporting Credit Bureaus updated.

Business

Response:

We have reviewed our records and regret that we have no previous request to close your account prior to August 27, 2013. Please note that your monthly billing statement provided you with a toll free Customer Service Phone line, as well as, the mailing address for account inquiries. Any correspondence sent to our third party payment processor does not have a guaranteed delivery to the CFC corporate office. Therefore, any request to close the account that was submitted with your payment to the dedicated payment address was never received by CFC to process. Our records show that on August 27, 2013, the account was closed per your request and the balance was removed from the account on September 17, 2013. however, since these transactions occurred just prior to your cycle date, you were assesed the $4.95 Paper Statement Fee and the $12.00 Monthly Maintenance Fee. These fees have been removed from the account and will reflect after processing tonight at midnight. You have no further financial obligation to us.

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

I never, repeat NEVER used this card before and still have a 12.00 monthly maintenance fee I knew nothing of and never receive a statement which I did not question since I did not use the card. I just receive a statement via email and notice the card had this monthly maintenance fee and a $35.00 late fees added so basically the card activity for 6 months was just fee's. I am not arguing with this bad company obviously since so many complaints are listed I ask them to closed this account completely out and I paid in full there rip off fee's totally $228.00 . Let this be a warning to all the consumers out there looking to open a credit card make sure the company is reputable and not one of those Sub-prime companies the state of DE has a history for. Terrible

Review: I started to recieve calls from Matrix Credit saying that I owed a balance when I havent used the card since maybe may/june and she then goes to tell me that even though I do not use the card they still charge me a monthly fee. How is that right? I kept the card for emergencies and even though I do not use they can go ahead and charge me? When I spoke with her she said my balance was around $179 then after I told her to cancel it she goes to tell me it is now $300! This is not how a company should be handled and treating their customers and I am very unsatisfied. I can see paying the money if I used the card now it is going to go against my credit even though I have not used it and was not aware of the charges because I can't pay the $300 all at once. Thank you for your time!Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want this taken off and not to owe anything when I did not use the card to have a monetary balance on it. Like I stated before, I would gladly pay it if I had used the card and the services but I haven't and was not aware of the charges I was being charged.

Business

Response:

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: I purchased credit protection on my credit card from continental credit protection,in march I losed my job I put a CLAIN IN JULY AROUND THE 14TH .THE CUSTOMER SERVICE TOLD I HAVE TO BE OUT OFF WORK FROR 30 DAYS. I RECIEVED A LET TODAY SAYING I HAVE TO BE OUT OFF WORK 6 MOTH THIS NOT WAT I WAS TOLDEDDesired Settlement: CREDIT CARD REINSTATED---------------PAY CREDIT CARD AS AGREED UNTIL I FIND WORK

Business

Response:

Our records indicate that [redacted] account was opened on February 24, 2013. In June 2013, he informed our Customer Service Representative that he was out of work on disability and that he needed to file a claim with his optional Credit Protection. As indicated in the email below from Life-south, our credit protection servicer, [redacted] claim was denied due to he had not met the qualifications for coverage. Our records further show that [redacted] failed to bring the account to a current status and, as a result, the account charged off on October 31, 2013. The debt was then sold to OSIRIS on November 26, 2013.

[redacted]3

It looks like we received information in on 07/11/2013 and the claim was denied on 07/15/2013 since he was not working for 6 months prior to the date of loss. He only worked from 01/01/2013-04/13/2013.

Let me know if you need additional information.

Review: I have written this company on 9/12/2015, and spoken with the customer service department, about removing unauthorized inquiry by this company on my Trans Union credit file. I have yet to receive a response to my letter. So, today I fax the company 5 times only to get a busy 5 times in a row, at the fax number[redacted]Desired Settlement: [redacted]

SSN: [redacted]

DOB: 12/13/1982

(901) 500-0253

CONTINENTAL FINANCE COMPANY

121 CONTINENTAL DRIVE, SUITE 108

NEWARK, DE 19713

September 24, 2015

Dear Sir or Madam,

RE: Unauthorized credit inquiry

While checking my personal credit report, which I acquired from Trans Union, I notice a fraudulent inquiry made by your organization on 06/06/2015.

Since, I have not to the best of my knowledge, authorized anyone employed by your organization to make an inquiry you are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests.

If you believe that, you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Sincerely,

/s/[redacted]

Business

Response:

Our records indicate that on June 6, 2015, we received an application, via the internet, for the Surge MasterCard, containing your personal information. This application for credit was approved for a secured MasterCard account with the requirement of a $150.00 Security Deposit. An email was sent to the email address provided during the application process advising of the credit decision and included instructions on how to fund the security deposit. To date, you have not funded this security deposit and no account has been opened. We are including a printout of the email that was sent regarding this credit decision. As indicated on the enclosed printout of the application and the decision email, we find that the email address is a match the contact information you have provided to the Revdex.com. Therefore, we find that you had knowledge of this application and find no evidence to substantiate your allegation that the application was submitted without your knowledge and the inquiry cannot be deleted. Sincerely,Vice PresidentCustomer Relations

Consumer

Response:

Review: continental finance company has made a mistake and added a hard inquiry on my credit files. I believe they have place this on me without my applying for credit with them. They yet have showed me proof that this collection is accurately mine.Desired Settlement: I need this hard inquiry removed from my three credit files now! If you do not have proof of this being my inquiry and I am disputing it the fair credit reporting act states you have to remove this inquiry from all three files it might be on.

Business

Response:

Mr. [redacted],Our records indicate that on May 9, 2015 you applied for the Verve MasterCard via the Internet after receipt of a solicitation via the USPS. (reservation #[redacted]) You entered your personal information into the online application and, as indicated on the attached printout of this application, your personal information provided during the application process matches the contact information you have provided to the Revdex.com. You were required to read and electronically accept the Terms & Conditions of this account, including the disclosure that your credit file would be reviewed for a credit decision. You selected the prompt indicating that you accepted these terms and submitted your application for a credit decision. Your application was reviewed and was approved for a secured account with the requirement of a $50.00 security deposit. You received an email notification at the email address on the application of c[redacted] with instructions on how to fund this deposit. To date, you have not funded this security deposit so no account was opened in your name adn the application decision is no longer valid.We find that there is no evidence to substantiate your allegation that you did not apply for our MasterCard and no error was made in the inquiry to your credit file with TransUnuion. Therefore,we regret that we are unable to honor your request for removal of this inquiry.We trust that our response to this matter will be met with your satisfaction.Sincerely,[redacted]

Review: It has started December 5, 2014. I had lost my job and had the payment protection on my card. I called continental finance that day to confirm that I did in fact had payment protection on my card. They gave me the number to call which I did. I had called and faxed over all the requirements from my unemployment including the separation letter from my employer. I did this with all of my credit cards and loans after filing for my unemployment. I was assured that all of my documentation was submitted correctly and that bill would be paid. Two weeks later I started receiving harassing phone calls from continental finance. 16 calls in one week starting at 7am MST. I explained that I had enrolled in my payment protection and that it was supposed to be handled. They "noted" my account and said they would stop the calls. I didn't hear from them for a couple of weeks and then the calls started again. When I asked to talk to a supervisor I was turned down. I called the payment protection company and they had no "notes" on my account and no faxes or anything was received. Now we are in Feb and I am 2 months late. Yes I had a hard time finding a new job but we pay for services when we are paying are bills. All bills were on time and in fact once had them paid off. I have tried to work with them on everything and that was a no. I have now enrolled in a debt management company due to going from a 45k a year job to a 20k a year job and all of the debtors I have agreed to their program except this company. I have called and gave them permission that my counseling service was able to speak on my behalf. They again "noted" it in my account. I have had what is supposed to be 30 plus notes to my account but amazing my debt counseling company gets ahold of me again to say that they never had it noted or was given a proposal which they were provided with 2. No they do not have to agree but they keep fudging me around. I got a supervisor today who told me they never spoke to me about all this stuff since December but yet seen the notes on the account only from last week when I gave permission to the company. The supervisor then tells me if I would like to make the $300 payment and there is nothing else he can do. I asked him why the credit counseling company was rejected and he said they never received anything. When in fact my worker has the rejected sheet. They called me this morning to warn me about them. I have made all calls to this company I have made calls to credit protection threw their company which the supervisor stated they have nothing to do with them but yet they get charged on my card every month. This company is a rip off. I did not have an issue when my account was never late or they were getting money from me. I just got off the phone now with my counselor and she said she spoke to another person and that my account had been fully noted but since I was delinquent my credit protection was dropped off and never submitted. I was never late until my credit protection didn't kick in. Now they are rejecting a payment plan proposal. I have had it with this company not keeping notes, records and overall being incompetent. All I really want is a settlement of what was the original balance on the card. But, being told by management there is nothing I can do and they will take legal ways of recovering their funds is showing what a "POS" company this is. I would advise against anyone using this company and their customer service is horrible. I want to resolve all issues accordingly and they are refusing to do so. I am over it. I have sent all the information I have been told to. I have had my debt management company send letters and proposals. I have spoken to ungrateful supervisors. This needs to be settled and the company needs to be shut down. If I would have been smart I would have checked with how many complaints the Revdex.com had on this company and the google reviews before hand.

Business

Response:

Our records indicate that your unemployment claim was denied by the Insurance Underwriter in accordance with the Terms of the contract. The contract states that you must have worked a minimum of 6 months prior to the event to be covered. Since you were only employed from 9/27/14 to 12/4/14 you did not qualify. On May 19, 2015, we received a payment proposal from Pioneer Debt Management. We regret that CFC does not participate in Debt Mangement Programs. However, you were offered the option to settle the outstanding balance for $418.00, payable in a lump sum due 6/2/15 or 2 equal payments of $209 due June 2, 2015 and June 16,2 015, respectively. On May 31, 2015, your account was written off as a bad debt. We find that you did not accept and/or satisfy the settlement offer on the account. As a result, the debt was sold on June 30, 2015 to UDH, an outside debt buyer. CFC no longer owns this debt and cannot enter into payment arrangements. Please contact U[redacted]

Review: I have made payments online monthly using the same payment method. Last month I made my payment on time and received a confirmation email that my payment was made. I received my current billing statement which says my min. Amount due was $95.00, my payment for last month was reversed and a late fee of $25.00 was added to my amount due. I was not notified of any of this until I received my statement and the late fee was already added. After speaking with a manager I was told that the account information entered was incorrect they could not explain to me how this is fault of my own since I have used the same account info to make payments for a while now and why it's incorrect if there online services show my account info is verified. I was told they would credit the late fee off of my balance but I would still have to make the min payment due of 95.00 ( two months of payments plus a 25.00 late fee). I told the manager I have no problems making the payments of both months but I will not pay the late fee of 25.00 because of a system error. I was told that if I did not pay it that I would receive further late fees because the min balance due was not made. Therefore I'm still required to pay this late fee or continue being charged fees on errors that I did not make and was never notified of until I received my monthly statement. I do feel this extra 25.00 should not even be my concern it's the companies job to make this or correct not the consumersDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want my card canceled and I do not want to be billed period for a mistake that was not mine. Regardless of it so called being credited to my balance I still shouldn't have to Pay it now or later. Better CS would be a nice touch to this company and correcting there mistakes at there expense not the consumers.

Business

Response:

Our records indicate that the $35.00 payment processed via the Internet on March 26, 2015 was returned by your financial insitution due to unable to locate the account. This could have been the result of a keying error when submitting the payment through our updated E-Customer Service website. As a result, one of our representatives gave a courtesy $25.00 Late Fee refund and adjusted the total now due to $70 ($35 for the previous month and $35 for currentt) You made the $70 payment on April 23, 2015 bringing the account to a current status. Therefore, no further action is required.

Review: I have a Matrix card that was a Discover, at the later part of last year they transitioned to Master Card. During this time I was in the process of moving to another sate so I never received any bills after October 2013 or a new Master Card. I tried to update my address with them but they told me I had to fax them proof of residence and refused to accept a P.O. Box (we do not receive mail at our physical address). After that I wasn't able to get the website to let me log in to pay my bills that I wasn't even receiving because they wouldn't accept the only mailing address I had. The $10.95 fee for paying on the phone is a rip-off. When I was able to reach a customer service person that was about to help me I was "disconnected". Finally I got another person and was informed that the problem was because of the transition they were doing, he said they would waive the late fees and no negative information would be put on my credit. I paid my balance in full Feb 19 2014 over the phone. I checked my credit report Feb 24 2014 and there is a 30 day delinquent from them, after they said there wouldn't be. Tried paying bill earlier but wouldn't let me because I hadn't sent them physical proof of address. On Feb 19 2014 I also cancelled the credit card because I still hadn't received the new one. I called them several times today (Feb 25 2014) to get this off of my credit and they said they could not do that, I would have to go through corporate, but refused to give me the phone number, they told me "corporate doesn't have a number" which is garbage, I know they have phones there. They provided me with a fax number which is useless to me. When I asked to speak with a manager they hung up on me, and I was not being rude by any means. Out of the several calls I made today I never got the same answers from them. One person was telling me my available credit on the card that I had already cancelled. They told me my account was revoked because of the address situation and that my bank had put a fraud alert on my payment when I paid the card off, however when I contacted my bank they informed me that there were no fraud alerts and that continental finance had received the payment. This business is joke with no professionalism, customer service is terrible.Desired Settlement: I want the 30 days delinquent removed from my credit a.s.a.p.

Business

Response:

We have reviewed your concerns and find that your account was converted in November to a MasterCard account. Due to your failure to provide a valid mailing address prior to the conversion, your card was returned to CFC as undeliverable since cards cannot be forwarded due to security measures. in addition, when you contacted our Customer Service Department, they made the address change for you over the phone but in accordance with security measures we require proof of the address in the form of a utility bill, phone bill, etc that reflects the consumer's name and the new address. This is to prevent the fraudulent request of a card by someone other than the cardholder. You were provided the mailing address and fax number to which this documentation should be sent. To date we have no record of receipt of this documentation. On January 10, 2014, prior to the reporting of your account as delinquent, you contacted our Customer Service Department regarding your inability to use the website since you had not received your new MasterCard to register online. Our representative informed you that we could provide you with the user name and password to access this account online and you were advised to call back when you had access to a computer. During this call our representative reversed the $25.00 late Fee and advised you that if you made your payment prior to the payment due date of January 26, 2014 the account would not report as delinquent. Since you failed to make your payment prior to this payment due date, the account cycled and was reported as 30 days delinquent on February 1, 2014. Further review indicates that a $35.00 payment was received on February 2, 2014 which was 7 days past your payment due date. On February 13, 2014 you made a payment in full of $279.17 using a Net Spend debit card. Also during this call you requested closure of your account. In accordance with our Fraud policy, Net Spend was contacted to verify that your name was associated with this debit card. Net Spend advised our Fraud department that this number was not valid and, as a result, your charging privileges on the CFC MasterCard account were revoked on February 19, 2014 pending proof of ownership of the debit card or notarized authorization to use this card. To date we have not received this documentation.

After review of your account, we find that you had been provided opportunity to satisfy the required payment due prior to the account being reported as delinquent. We find no error in the reporting of your account as past due and regret that we cannot honor your request for removal of the negative reporting of your account. We have a legal obligation to accurately report the payment history of all accounts.

Per your request on February 13, 2014, your account is closed. if you wish to reopen the account, please provide proof of residency and proof of ownership or notarized authorization for use of the debit card used to pay this account. This can be faxed to 302-454-7952 or via mail to: Continental Finance Company, PO Box 8099, Newark, DE 19714-8099.

Review: On 12/07/2013 I made a payment in the amount of 105.00 with Payment Tracking Number [redacted] of which I have the Payment Confirmation Email for the payment. The payment was never removed from my account and I was not notified that the payment was canceled. When I received a letter with a new credit card I called in and spoke with Supervisor Tom on 01/13/2014 who stated that what happened was they were switching the card from Discover to Mastercard and as such somehow in the process my payment was canceled. He stated that I now needed a new login for their site. He waived the late fee on the payment. He asked me to remake the payment again which I did. He stated that he was going to get in touch with the Compliance Officer at their company and correct the credit reporting. He gave me his extension to call him back [redacted] I have tried to reach him several times sense and have been unable to do so. I have complained several times about not receiving statements from this company and I continue to not receive them.Desired Settlement: I want the late credit reporting removed from my account as I scheduled my payment to them in good faith and have the email to prove it. This is the credit card issuer's fault for canceling my scheduled payment on their website and not notifying me. I want credit card statements sent to me as required by Federal Law.

Business

Response:

[redacted]

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.

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: I have a Continental Credit Card. I since Oct of 2013 been disabled and not be able to work. I have the Credit Protection on this card and I will issue a complaint on them also after this 1. They say been approved and sent to card and no payments can be found This is ruining my credit as well as I have a huge outstanding late payment with continental card services. They tell me its my problem to find out where payments are going they have no history of any payment received which protection please says they sent them to card services. I need help with this please to get to bottom of this. Continental Finance Protection Plan which is to be making payments and says they are is [redacted] address Continental Finance Credit Protection [redacted] I am over talking to these company's and nothing gets done. Please help me outDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want this resolved and money put to my card to show its been applied card number is [redacted] thank you for your time

Business

Response:

[redacted]

We had been working diligently with LOTS, our Credit Protection servicer, to have your claim processed and two $35.00 payments posted to your account yesterday, with backdates of January 22, 2014 and February 6, 2014, respectively. As a result, the $25.00 and $35.00 late fees have been reversed from your account and your account is considered to be current, as of the date of this response. Therefore, since your concern was resolved prior to the submission of your complaint to the Revdex.com, we find that no action is necessary. Should you have any further questions regarding your Disability Claim, please contact the Benefits Administrator at [redacted] Monday-Friday 8AM-9PM (EST) or Saturday 8AM-12PM (EST).

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: In November/December I called the company to file a dispute about unauthorized charges on my account. The company file the dispute and credited me the charge and sent me out a new card. I asked is there anything else I need to do I was told no. In January I paid the balance of the card and did not use it again until February 14 to take my wife out for dinner for our firt Valentine's day as husband and wife. I used the card a few more time equally around $200. A few week later I called to make a payment and my balance was over the limit. I called to find out why this had happen the gentle told me there was $241 charge for a Ozio which was unauthorized and a sprint charge that was charge to the card in February and it was because I was credited twice. I explain to him that was not the case but he continued very rudely to tell me I was wrong. I asked to,dispute the other charge and he refuse instead gave me a number to call a third party company to file the dispute with the previous unresolved dispute. I called the company 3 times left messages no return calls. I called the card company shared my frustration and still I was told that the card could not help me instead it was my responsibility to contact this third party vendor the company uses to file my dispute. I called that company waited three days no answer. So I called the company explained to the rep that this is not fair my business is with verve card not this company they gave me. She explain there was papers that was sent to me and never returns for,sprint that's why it was charged back and I need to,call to get paperwork and add new charge. I explain to,her that I am being charge interest on a balance that is not accurate and fraud and that I did not want to pay that because I paid it before for the sprint charge. She ignored my statement and continue to,tell me I had to call. So on the day the bill was due a gentle name Matt called me from this thrid party company and offered to send me paper work via email. I returned the paper work to him sent hi. Two email to date to confirm receipt and yet no reply. So this incorrect balance is now reflecting on my credit that is not accurate making me seem like an assertive user with a card over the limit. This has cause a negative impact on my fico score and cause me to get a higher rate in a new loan I applied for. So this is a clear violation of the fair reporting regulation by this company who has refuse to assist me with fraud transaction. To make matters worst on 03/25/15 someone called my work number asking for me although I have asked to not call that number. During this call the collection personnel shared with my staff that this was an attempt at collection and I needed to make a payment including more private information about my account. This is a clear violation of my privacy rights and the privacy regulations the embarrassment I had to endure having my employee tell me the information shared with him from the company is one I will. It forget anytime soon. I have tried to talk to a member of managent but no one seem to want to help me with the matter. If something is not done I will be seeking legal action for the violation of my privacy and fair credit reporting.Desired Settlement: I would like all fraudulent charges on my card to refunded immediately in addition to any interest charged o. Those amounts. Next I want to the employees who are answering the phone be more willing to help. A new policy. Red to be put in place for disputes it is not the client responsibility to call around to file a dispute. I want to see ,y credit corrected immediately and some form of compensation or credit for causing adverse results on my credit. As for the privacy violation I am not sure what results I am looking for but I am looking for the company to rectify this violation and contact me what is there plan for the embarrassment I had to deal with. I will also be talking to my attorney about the privacy matter.

Business

Response:

Per the attached April 2015 statement, Mr. [redacted] received credits for the 2 disputed transactions. Therefore, this situation was resolved for the consumer in April.

Review: I have a credit card with verve.com/ continental finance since 10/14 with a credit limit of 500 dollars. since I have been with this company there has been many stressful issues. The company has lost two of my payments, which have money orders, the company has changed the amount of 10 dollars late fee to 25/35 dollars. I have received threating and harassment calls as early as 7am in the morning and as late as 12am in the morning. The representatives at this company are very disrespectful and rude, I have even been called a Bh. I have recently paid 70 dollars of a 95 dollar balance, to cover payment of 35 dollars for January payment. I was told by an representative that they would waive the 25$ late fee. I have asked verve to send me an email conformation of this and I was told that the company does not send emails. which is confusing because I have a email account set up with this company. I now have a new balance of 95$ I am completely up to date with my payments. I have spoken to a Rep and she could not explain why I am being charged 35$ twice and another late fee. the Rep proceeded to argue with me, I was told the they would ruin my credit if Did not pay the full amount now of 529.29 I believe that continental finance is fraudulent with these fees my min payment is 35$ due march 9. I will not make another payment until this matter is resolved.Desired Settlement: I would like continental finance to cancel my card permanently, The company can send me a final bill and I will continue to make payments on this account to maintain my credit. I do not want to do business with this company any more.

Business

Response:

Ms. [redacted],Per the Terms & Conditions of this account, which you read and agreed to at the time of application, the Late Fee was never $10.00. The Late Fee is, and has been, $25.00 for the first instance, $35.00 for each subsequent instance. Per your request, the account has been closed. Closure of the account does not surpress fees and finance charges from billing to the account. Your account balance, as of the date of this response, is $528.84. We find that your account is currently past due. Your total required payment due is $165.00 with a payment due date of April 9, 2015. Please remit this total required payment due to prevent any further assessment of Late Fees and the negative reporting of this account. [redacted]

Review: I am having difficulty getting the yearly membership fee returned on pro rated basis since I have closed my account. the yearly fee is for one year, however I have closed my account because of high monthly maintenance fee on the card. I wish to be refunded for the remainder of the year that I will not be using the card, however customer service reps were extremely rude in regards to this matter and did not want to assist with the problem.

Business

Response:

[redacted]

The Terms & Conditions of your account clearly state that a refund of the Annual Fee is only granted when the account is closed within 60 days of the assessment of the fee. However, as a courtesy, we have provided your account with a refund of the prorated amount of $43.75. Your account balance, as of the date of this response, is $43.25. Please be advised that, in accordance with the Terms & Conditions of this account, fees and finance charges will continue to bill until the balance has been paid in full. Please remit your payment via the Internet Payment option, via the Western Union Speedpay option with one of our representatives, or via mail to: Continental Finance Company, Po Box 105125, Atlanta, GA 30348-2125. Please include your full 16 digit account number on your payment.

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

This is an attempt to collect a debt and any information obtained will be used for that purpose.

Review: On Thursday May 7, 2015 I spoke with one of your employees regarding my account. For the past 2 months I have been making my regular and very timely monthly payments. However, I was never made aware that you would be making alterations" to your website which would prohibit my abilities to make payments online. I spoke with an employee last month, April, who at the time did not make me aware of these changes and stated that my bank for some unknown reason sent back my payment. On May 7, the employee informed me of what happened and I made a payment of $70 immediately. She then spoke to her supervisor who then stated that Verve would not be reporting this payment to any of the 3 credit reporting agencies because this was through no fault of my own. However, Sunday May 10 I received notification that Verve had in fact reported my account to all 3 of the reporting agencies. This reporting is a direct violation of the Fair Credit Reporting Act (dropping my score 79 and 40 points see attachments), and I would like this derogatory remarks removed from my report immediately. This business practice borders on fraudulent behavior. I have attached my confirmation emails from my payment from the prior 3 months (monthly payments from May 2015, April 2015, and March 2015). Please feel free to contact me with any questions. After several attempts to contact Verve regarding the reporting, Monday May 11 and Tuesday May 12, I feel as though the Revdex.com is the only outlet.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Removal of negative remarks from credit report.

Business

Response:

Our records indicate that your payments made via the E-Customer Service Website were returned by your financial insitution due to unable to locate account. This is usually the result of a keying error when entering your bank information online. On May 7, 2015 you were provided a refund of the $35.00 late Fee. In addition, we have made an adjustment to your payment history to remove the negative reporting that was a result of the returned payments. This update will reflect on your credit file after your next billing cycle date of September 6, 2015.

Review: I sent my payment to Verve Card Credit services through my online banking on 7/16. Per my bank my payment of 300.00 was cashed by the credit card company banks on or around 7/20. To this day my 300.00 payment has not posted to my account. I have faxed over proof of payment from my bank to the credit card company as well has my bank has faxed over information. I have made several phone calls and they say I need more information. This company is unfaithful and lies to there customers. When they say they will call you back regarding the any updated information.Desired Settlement: DesiredSettlementID: Billing Adjustment

I want the credit card company to apply my 300.00 payment that I sent them to my account. as well as reverse late fees and accumalted interest. The payment has cleared my bank account but has not posted to my credit card account. this needs to be done asap. Before I seek Legal services.

Business

Response:

As stated by our representatives, the previous document you provided was not sufficient as it did not provide evidence that CFC received and cashed the check. Please provide a copy of the front and back of the cashed check so that we may investigate this issue, determine if CFC cashed the check and post to your account if applicable. Please send this to fax [redacted] or via postal mail to Continental Finance Company, PO Box 8099, Newark, DE 19714-8099. Please include your name and account number on the document.

Review: I have a MasterCard with this company. It was time for a yearly fee and I was going to cancel my card because the limit was so low and I did not want to pay to pay a yearly fee, the customer service rep said that they could not increase the credit limit because they are on "an increase freeze" but did say that he would go ahead a only charge half of the yearly fee, I agreed but apparently they did not document it, I go to check my balance just to update records, to my surprise my card was past due with 100's of dollars in late fees and yearly fee's. I called the company to try to make arrangements to bring my account current and to take the negative marks for being late off my credit report, the customer service rep said that he spoke to the manager and that they would not remove anything from my credit report or take off any late fees nor will they even take off half the yearly fee that they said would be taken off. I let them know that eventually they will write it off and I will settle with the company that buys it for a percent of what I owe and that they then will remove it off my credit so it makes no sense to my why a company would treat their customers so horribly and lose money in the process.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like to have the negative marks removed from my credit. I have been working on resolving this issue and they refuse to help in anyway and mean while keep making my credit worse and charging me more late fee's that I refuse to keep paying.

Business

Response:

Our records indicate that, due to your failure to maintain a positive payment history, your account was written off as a bad and will be sold to an outside collection agency. We regret that we cannot honor your request for removal of the neagtive information reported to the credit reporting agencies as we have a legal obligation to accurately report the payment history of all cardholder accounts.

Review: I had put 100.00 deposet on a discover card they issued and then they changed it to a master card and I dint like the way they were addeding charges becouse they were tranfurs fees so I payed them off and I want my 100.00 deposet back they said they sent it back to my card they took it from 3 times ive called them and the last was a supperviser said the card had expird and I new it did and he said that the would talk to higher up about it and to call back I did and they said that it dint come back to them and that I got it I went to the bank and it never came throw I wanted a comfurmation # to take to the bank but they dont have one but they no one for me to call they want me to fax bank info to a fax # no att to no anybody they should have some tracking # to prove they sent it I shouldnt have to go threw this stress to get my money back they dint have to wate for the payments that were never late they know the bank they can call them its there mistake they should send deposets back in a ck they should know cards expire they just want to keep the money and hope people will give up if they dont find my money the court will and they will pay me intrest for useing itDesired Settlement: I want my 100.00 deposet back in a check sent to my adress

Business

Response:

[redacted]

Our records indicate that your refund was processed back to the card used when funding your Security Deposit. I have attached the receipt for your reference. Our payment processor states that this transaction as settled with your financial institution, which indicates that they now have the funds. If your account is not reflecting this transaction, please contact your financial institution with the attached receipt so that they may research and locate the funds,

Review: I sent a payment on my account on April 27 or 28 the money order was cashed on May 1st but the keep saying thst they did not receive the payment and charged me a late charge so closed the account but the are still charging me late fees and account maintenance fees.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Billing Adjustment

Credit my account and stop charging my account with unnecessary charges

Business

Response:

Ms. [redacted],We have reviewed your concern. In order to further assist you with this issue, we will need to obtain a copy of the front and back of the cashed money order. This will allow our Accounting Department to further research whether CFC had received the payment and, if so, where it had been applied. Please fax this document to: [redacted]2. Or send via USPS to: Continental Finance Company, [redacted]. If we find that CFC did receive and cash the payment, we will post the payment to your account with the original date of receipt and remove anylate penalties that may have been assessed as a result of the error. If you fail to provide a copy of this document, CFC will be unable to assist you. The negative status will remain on the account and you will be responsible for all fees and penalties. If you have any questions, please call one of our Customer Care Specialists at 1[redacted] Monday through Friday 8:00am to 9:00pm EST, Saturday 9:00am to 1:00pm EST.Sincerely,[redacted]Vice PresidentCustomer Relations

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: I have gotten six calls in two days regarding business they have with a client named [redacted] I have advised them that I have had this number for over a year and do not know this person. they have continued to call and refuse to stop. I am on the do not call registry, have advised them of the FTC laws and yet they still callDesired Settlement: stop calling; official apology

Business

Response:

Our records indicate that the phone number of [redacted] 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.

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.