Continental Finance Company

After our fraud investigation, the account was deemed as fraud and a request has been submitted to remove the tradeline from your credit file Please allow up to weeks for the credit reporting agencies to process the removal of the tradeline A letter was also sent to you from our fraud department confirming this information

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 the business documents are correct this does not address my original complaint As I stated I spoke with two representatives who both assured me the $was accessed after the first year, therefore what your representatives are saying and what your documents are saying are two different things THAT WAS MY COMPLAINT!!!! And since that is the basis of my request and problem with your company I still request my original request and would like my refunded or my credit line increased for that amount I am keeping the card active

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 First and foremost, the act of continuing to charge me late fees on a closed account makes no senseI will NOT be paying the remainder as this is in fact your fault due to the failure to accept my payment after verbal communication for such was requested and providedThe goal of making me jump through all the hoops I can any assume was to keep my account with a balance to be able to charge a late feeOnce my account was closed, there was no reason to charge a late feeI will not be paying a dime until this issue is resolved Regards,

The attached was mailed in response o this concern

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

I made numerous attempts to make payment arrangements only to be told that I would still be charged a late fee and that an arrangement could not be made Out of all the credit cards I have, this is the only one that incorporates the late fee into the min payment due I feel this is a rip off and I hope that your company reevaluates its Terms and Conditions and revise them to work in both the customer and the company's favor If I am telling you I don't have $to pay all at once, what makes you think I have $200+? My credit card limit is only $400, yet my min payment is over $200?? That is ridiculous I will continue to find other avenues to get my voice heard on behalf of the customer Your company is a rip off

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 own.In 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] ***

Our records indicate that on November 7, we received two $payments One was a check payemtn and the other was sent via the Auto pay option from our interenet accoutn access On November 10, 2015, the check payment was returned unpaid due to a stop payment Since no valid payment was received during the December billing cycle, you were considered to be past due and assessed a $Late Fee Your next payment due was $ On December 12,015, we received a $payment via the Western union Speedpay option On December 13, 2015, your account was provided a courtesy reversal; of the $Late Fee When your $Debit card payment was made on January 4,016, via the Western Union Speedpay option, your account was considered to be current You have since made a $and a $payment via the Internet Payment option and the account is in god standing We find that no further action is required as your concern has been resolved.Sincerely, [redacted] Vice PresidentCustomer Relations

This case was responded to via the CFPB. Attached is the complaint and response.

As indicated on the attached petition of bankruptcy protection, you did not include your Surge MasterCard in your petition therefore, we did not receive notice form the BK courts of your filing Additionally, on February 1, 2016, you indicated to our Collections Agent that you had filed for BK but did not wish to include this account in your filing As a precaution, your phone numbers were removed from the account from any further collection calls On April 21, 2016, you stated that you had field for BK and had included this account in your filing and that you would pursue legal action against CFC As previously stated, your petition for BK does not have any reference to this account and was not included in your bankruptcy petition However, as a courtesy, we have placed a BK status on your account and no further collection efforts will be made

Poor customer service due to the fact it take to long for credit decision there is no corporate relations number for consumers if they have issues with the services

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

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

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [redacted] [redacted] I accept the resolution from the business in questionI was able to print it off from your site I see the letter is dated January 5, and was mentioned in a previous email it was sent to meToday is January 20th and I still haven't received it via mail.That's the interesting thing about this because, that's the kind of service I continued to receive after I honored part of the agreementI truly believe if I didn't utilize the Revdex.com tool, I wouldn't have this type of response from them I asked to speak with management multiple times before it went this farNo one gave me the answer I needed, only saying this is all I can do "call back in hours".Thanks for you assistance!

We have reviewed your concern and find that your Continental Finance Matrix Discover Card was converted to a Continental Finance Matrix MasterCard in November and the residual balance of $was transferred to your MasterCard account On December 11, you cancelled the Matrix MasterCard and was advised that you were still responsible for the outstanding balance owed The account fell past due and was assessed fees and finance charges On June 17, 2014, we received a $payment and on July 11, we received a $payment You were then provided a refund of fees totaling $on October 15, This left a residual balance of $ Due to this residual balance, the account continued to cycle and be assessed fees and finance charges until reaching charge off status The debt was then sold to UDH, an outside debt buyer Since we find that the entire charged off balance was comprised of all fees, we have recalled the debt from UDH and have processed an update to your credit file to reflect the account as closed/paid in full We have removed the negative payment history from the date of your $payment Please allow 4-weeks for the credit reporting agencies to process this update thank you for bringing this matter to our attention We trust that our response will be met with your satisfactionSincerely, [redacted] Vice PresidentCustomer 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 again, I request to have this information removing from my credit report Regards,

[redacted] ***, The Credit Protection Department is already in the process of extending your benefit for an additional months These payments will be made as soon as the claim is processed in their system Therefore, no further action is required Sincerely, /> [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 explained to your representative that called me that I was a victim of identity theft and I had NOT applied for an card with them, she informed me she would notate what I informed her and have someone give me a callI never received the call! Regards, [redacted]

Mr***Per the account notes, you were advised on May 22, to clear your browser history in between accessing the online Customer Service website to ensure that you are able to successfully login to each of your accounts. Please also ensure that you have unique User Id's and Passwords
for each account to ensure that you do not erroneously log into or make a payment onto the wrong account. Payments can also be mailed to: Verve, PO Box 31292, Tampa, FL 33631-and Surge, PO Box 31292, Tampa, FL 33631-3292. Please be sure to include your account number on any check or money order payments mailed to this address

The attached was mailed today to Mr***