Continental Finance Company

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

[redacted] , Our records indicate that when your December 19, monthly billing statement generated, you had a payment due date of January 13, 2014, with a total required payment due of $ Since no payment was received during the next billing cycle, you were assessed a $ Late Fee, in accordance with the Terms & Conditions of this card Your next payment due date was February 13, 2014, with a total required payment due of $95.00, derived from the current $due, the past due amount of $and the $Late Fee This calculation of the total required payment due is ion accordance with the Terms & Conditions you accepted during the application process On February 10,014, we received a $payment; however, since you failed to satisfy your total required payment due, you were considered to be past due and assessed a $Late Fee, in accordance with the Terms & Conditions of this account Your next payment due date was March 16, with a total required payment due of $95.00, derived from the current $due, the past due amount of $and the $Late Fee Our records further indicate that you were provided a courtesy refund of the $Late Fee The refund of this fee will reduce your balance owed but does not reduce the total required payment due When you made your $payment on March 13, 2014, you had failed to satisfy your total required payment due and was assessed a $Late Fee Your next payment due date was April 13, 2014, with a total required payment due of $95.00, derived from the current $due, the past due amount of $and the $Late Fee Since no payment was received during this billing cycle, you were assessed a $Late Fee Your next payment due date was May 14, 2014, with a total required payment due of $165.00, derived from the current $due, the past due amount of $and the $Late Fee Since you failed to make a payment by this payment due date, you were assessed a $Late Fee Your current payment due date is June 13, 2014, with a total required payment due of $ Please be advised that failure to satisfy this total required payment due by the payment due date will result in the assessment of additional Late penalties and the negative reporting of your account to the three credit reporting agencies Please submit your payment of $using one of the following payment arrangements: · Internet payment method (no processing fee associated with this payment method) · Phone payment with Customer Service Representative (a $Western Union fee is associated with this payment method) · Via USPS to the payment address of: Continental Finance Company, PO Box 105125, Atlanta, GA 30348-(Please include full digit account number on payment for proper posting) In summary, we find that your account was handled in accordance with the Terms & Conditions of this account and no further action is required Sincerely, [redacted] This is an attempt to collect a debt and any information obtained will be used for that purpose

[redacted] We had been working diligently with LOTS, our Credit Protection servicer, to have your claim processed and two $payments posted to your account yesterday, with backdates of January 22, and February 6, 2014, respectively As a result, the $and $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) [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 I always pay my credit card payments online See my history I went on the due date to pay my matrix cc and the website would not allow me to make a payment It said $limit, but for minimum payment and payment owed I tried to make a payment anyways and the website would not take my payment Hence I turned my cc over and called the phone # on the card and it gave me a fax squeel noise so I could not call anyone from the matrix cc After trying every means to make my monthly payment, I had no way of contacting matrix After about weeks I received a phone call from matrix cc and they told me they were in the process of changing/selling/moving their website/office or something and I would be receiving a new credit card in the mail I did eventually receive a new credit card and I tried to go online to make my monthly payment on the due date again And once again the website would not take my payment and stated that my limit was $and no minimum payment was due and their was no balance at this time So I turned the new card over and called the phone number on the cc and once again the fax squeal noise came on the phone line and no one answered I tried both months over and over to get through to this credit card company with no avail Hence in my opinion, I feel that this company was changing or moving and did not have this in place or contact me before my payment was due and I do not feel that I should be penalized for this companies error Thank you, Regards, [redacted] ***

[redacted] You had been provided the months of protection in accordance with the Terms of the Credit ProtectionDue to a change in our policy, consumers are now permitted to utilize months of coverageOn October 16, 2014, the next 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 [redacted]

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

As indicated in the 3/22/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

The attached response was mailed in response to the concern by Mr, [redacted]

Mr. [redacted] , Per the account notes, on January 25, 2016, you stated that you have reconsidered your request for the refund of the $35.00 due to a refund of the payment would result in a $35.00 balance on the account since you had already utilized this overpayment by making purchases with the... card. Therefore, no action is required as this situation has been resolved during the call on 1/25/16. 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 For your reference, details of the offer I reviewed appear below Those charges were on the old card prior to its expirationI will be reporting to FTC and contacting an attorneyI NEVER activated the new card Regards,

Ms***,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] 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 [redacted] Monday through Friday 8:00am to 9:00pm EST, Saturday 9:00am to 1:00pm EST.Sincerely, [redacted] Vice PresidentCustomer Relations

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.

[redacted] Our records indicate that Best Buy had posted the refund back to the card used for the original purchaseSince this account was considered to be a fraud account due to unauthorized transactions, the refund was never moved to your replacement cardOn August 12, 2014, this issue was corrected and the $Best Buy credit was placed onto your replacement cardon the same date, a refund check in the amount of $was mailed to you at the address on fileTherefore, we find this matter has been resolved and requires no further review [redacted]

The response regarding the reject reason was based strictly on the information provided by the payment processor and was as follows "This payment was rejected due to a failed verification This is typically due to a bad address or CVVvalues; however, American Express Centurion Bank did not indicate the verification failure reason at the time of their rejection of the payment"Since payments made via the internet can only be made via ACH using a checking account, and since American Express Centurion Bank had not provided the reject reason, it could only be assumed that it was due to a bad address or CVVcodes Please be advised that any discrepancy regarding the return reason of the payment does not change the remainder of our response regarding the account

Ms [redacted] ,On May 14, 2015, we received a $payment via the Internet Payment option This payment was returned by your financial institution with a return reason of “RNo Account/Unable to Locate Account.” Payments that are retuned with this reason code are usually the result of a keying error when the account information was typed online or when an account number is used on which ACH transactions are not permitted Due to the return of the first payment on your account, the account was reviewed and the charging privileges were revoked Reinstatement of the charging privileges requires receipt of a payment, equal to or greater than the retuned payment In order to expedite the release of the revoked charging status, we ask for payment in the form of guaranteed fundsOn May 22, 2015, you contacted the Customer Service Department to inquire about the $payment since these funds had not been deducted from the bank account used for payment You were advised of the return of this payment and stated that you would correct the bank account information online and would replace the returned payment Although the returned payment was not fully replaced with the $payment received on June 16, 2015, we reviewed your concern and have reinstated your charging privileges and have provided you with a one-time courtesy refund of the $Late fee Should you have any further questions regarding your account, please contact customer service at [redacted] Best regards, [redacted]

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

The attached was mailed in response to the concern by Mr [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 They said I was informed that my account was $overdue on the 6th of January, however I was notI was told to make my $payment to bring my account to the black and that they would be able to mail my new cardI was NOT informed in October, I was informed in NovemberI can show the email I received, with the date on itThrough the 4-times I was never informed that my minimum amount due was more than what I was payingNever once, keep in mind that I could NOT see my accountThey record conversations, and I'd like the recordings reviewed as proof

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 when I originally called regarding the returned check, the person at customer service said it was in regards to the check that I mailed inthats why I immediately made an online payment and continued to make online payments

Georgia;">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 Complaint Detail / Problem Nature of Complaint: Advertising Issues - An advertisement that failed to disclose all conditions required to take advantage of an offer Problem: complaint submitted on 6/26/7:04:PM against Continental Finance Company, LLCYour complaint was assigned ID NOT RESOLVED! Translate Desired Outcome: Refund-Credit Card Credit