Continental Finance Company

The attached was mailed in response to the complaint

We apologize, the original response was regarding your Verve card, not your Surge card Our response was based on the status of that account which is charged off/sold You had also submitted a CFPB case regarding the Surge card and attached is the response that we sent for that account

Although rare, this error can occur if the rep does not confirm what account is in the Speedpay system prior to inputting your bank account for the payment This error occurred because the representative had loaded the account from the call prior to yours into the Western Union Speedpay method but did not process a payment on that account and then failed to update the system with your account information We immediately adjusted your account accordingly upon notification of the error and have apologized for this error Although we regret that you are not satisfied with this prompt resolution, we find that CFC made an immediate resolution to resolve your concern and find that our actions to resolve this issue were within a reasonable timeframe.On July 27, 2016, you made a payment in full and your account will cycle on August 25, reflecting a zero balance on a closed account Your account will purge from our database upon the end of the month following days after the last account activity occurred, which will be August 25, when your billing statement is generated Therefore, the earliest date that your account will be purged from our database will be October 31,

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 never received notification of thisYour employee told me that it was placed on the back of statementThe last statement I received from ur company was in march I would like for your company to reach out to me and contact me in regards to thisAlso I don't make transactions where things would be continued on the next page I make one transaction a month so please advise where you are getting this incorrect information fromI should not be dinged credit wise for a charge your company charged on my card and within days you are reporting to the credit agencyI'm sorry I don't agree with your bs antics and I would like for someone to call me or email me about this matter asapThats bs to drop someone's credit score almost points for something they didn't do themselvesInstead of helping your clients you are trying to f their life up and I don't agreePlease contact me asap or give me a number to contact you Regards, [redacted]

January 7, [redacted] [redacted] Per you request, we have closed your Continental Finance Cerulean MasterCard account on January 7, Your balance at the time of closure was $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- Best regards,

Verve credit card tried to rip me off after I paid off my account and closed they still took out of my checking account and did not want to give me my money back in a timely manner

As indicated during the call on April 25, 2016, the statements you are receiving are days after your due date and are the next billing statement with a due date days from the date you receive the notice Therefore, you are not receiving statements late as you indicated The late fees that were assessed were due to your failure to make your payments timely or satisfy the total required payment due during each billing cycle Additionally, you had received late fee reversals last year so you were only provided a refund of late fee on March 23, Since the fees have billed accurately to your account, we are unable to honor your request for additional late fee reversals Your account is at a current status Please remember that when you receive the notice that your statement is available it is for the statement that just cycled and is not regarding your former payment due date Sincerely, [redacted] Vice President Customer Relations

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 I would like to know then why Green Dot Inc, which sent me an unsolicited card, pointed to you as the firm that provided them with my social security information Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below While I appreciate your reversal of the October late fee of $your letter made no mention of my late fee from September of $in which the exact same situation occurred with your website refusing to accept my legitimate login credentialsI have contacted an attorney in the matter but prefer to settle through the Revdex.comFor my records, I have received records from both my phone company and my internet history that provides proof positive in support of my claims in the matter of the September and October late feesMy internet history shows positive proof that I attempted to login to my account and make payment but the website rejected myMy phone records show proof positive that I contacted the customer service phone number prior to the end of the day on my payment due date as wellI've tried endlessly to work with your company over the phone, even speaking with a "supervisor" but each time I'm given the excuse that I was already given a "courtesy waiver" in the last monthsThis excuse is immaterial to this issueThat late fee was waived at my request when I called in and freely admitted I forgot to pay my bill on time and requested the waiverThese two latest fees have nothing to do with that situationSince I can prove positively through written records of my attempts to access your website and call your customer service, this time the late fees are the result of your company, not meI'm a very honest person and would have no issue accepting these fees had I been at faultI stand my ground because I know I made every effort to make payment on time and was still not able to and then penalized due to no fault of my ownIn closing, if you agree to waive the September late fee of $27, on top of your other offer to remove the October late fee, I will consider this matter closedThe other issue stated regarding my annual fee and maintenance fee being reversed are also immaterial since that is already part of the written agreement provided I met the timeline which I didI look forward to your quick response so we can close this matter completelyI was a good paying customer for months, never late more than a couple day, and only once due to my neglectI was never later than however long it took in order to reach you and resolve the balanceIt's highway robbery and I feel taking advantage of disadvantaged people by providing a credit card with fair terms up front and then penalizing them after a solid year of good history with both a $annual fee and then another $over the course of the year just to maintain the accountThis topped off by a high interest rate is why I say this is taking advantage of peopleThankfully I have raised my credit rating enough to buy a house and now have numerous credit cards that do not rob you blindI feel you have a good product that is desperately needed, but you should review your annual charges and consider making them more feasible for people who need the card the mostFor me, I just needed three lines of revolving credit in order to qualify for a mortgage, it had nothing to do with my credit ratingI'd be more than happy to provide a positive feedback and review of your credit card provided these changes were madeOtherwise I would not recommend it to people already struggling who may feel there is no alternative to getting better credit than to pay you over $a year in fees coupled with high interest rates Regards, [redacted] ***

We find that this concern was also submitted via the CFPB and attached is the complaint and response

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

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

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 During the months Continental Finance indicated not receiving payments copies of payments were faxed and mailed to the company, which took over days for the company to respond to the "viewing" of the documents, contacting phone representatives to be provided with a word, notice or update of receiving those documents the phone representatives indicated not being aware of the documents sent or payments being made at all to the account, even though the payments were made through Western Union, Bill Pay, and money order transactions which provide tracking numbersContinental Finance representatives indicated no payments were made through Western Union (attached documents demonstrate otherwise), Continental Finance indicated months where no payments were received (however, the report to the credit bureaus indicate otherwise, per month Continental Finance indicate no payment was received), the negative impact the matter has had on my credit report was that each time I have been charged a late fee (while payments are received) Continental Finance indicates being over the limitI even requested to pay for insurance on the account twice, sending an additional $100, as well as paperwork for the insurance, and was informed the request was not received and the insurance is still inactiveMore than once the payments were made the date due or prior to the due date, however, the processing and applying of the payments were afterwards resulting in late fees, including the payment for $(which is individual payments of $and $remaining) however, as a result of being charged late fees only a portion of the $was applied and as I have explained before the overcharges to a balance that is not late will bring the account up to balance The response provided by the company is insufficient and inaccurate, recent payments have not been sent because the company has already overcharged and I have overpaid, several requests for an investigation was not honored including to determine why representatives would indicate not seeing payments that were made through Western Union, when tracking numbers and confirmations were providedA request was made to change the due date that wasn't honoredJanuary and February payments were not sent because it has taken Continental Finance over days to respond, as I indicated to the company I have no intentions of sending another payment, on time, if the payments that have already been sent are not accounted for and appropriately applied on the account I will be scanning and providing the documents to review, as well as verify that payments were received (during the time Continental Finance indicated not receiving payments) and the documents will show that each time the payment was received overcharges were accessed to the account

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

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

Ms [redacted] , Your card was declined because you failed to activate the card per the instructions on the sticker that was on the front of your MasterCard Until the card is activated, it cannot be used for purchases Please contact the Activation department at 800-935- Additionally, we find that your first monthly billing statement reflected a credit limit of $500.00, the billing of your $Annual Fee and the available credit of $ Although this statement only reflected an account balance of $with a $payment due, we find that on September 29, you made a payment of $to the account We further show that on October 28, 2015, you successfully accessed your account using the online system If you experience any further issues with the website, please contact Customer Service at 866-449-4514, this phone number is also listed on the back of your card.Sincerely, [redacted] Vice PresidentCustomer Relations

Ms [redacted] You have a Surge card ending in and this account is currently days past due Your phone numbers were removed on 9/29/16, per your request, when collection efforts were being made, not an offer for a lower interest rate therefore, our response to this matter remains unchanged

[redacted] We are in receipt of your letter concerning the assessment of the Monthly Maintenance Fee of $each month on your account Please refer to the Section of your Cardholder Agreement titled: Fees and Other ChargesThe Monthly Maintenance Fee section reads as follows: Your Account will be assessed a monthly maintenance fee, which will be billed at $per month to your Account (“Monthly Maintenance Fee”) The Monthly Maintenance Fee will not be billed in the first 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 [redacted]

[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 days of the assessment of the fee However, as a courtesy, we have provided your account with a refund of the prorated amount of $ Your account balance, as of the date of this response, is $ 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- Please include your full digit account number on your payment We trust that our response to this matter will be met with your satisfaction [redacted] This is an attempt to collect a debt and any information obtained will be used for that purpose

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