Continental Finance Company

Our records indicate that your account was charged off on May 31, and sold to UDH, an outside debt buyer, on July 1, 2014. Upon sale of the debt, CFC discontinued collection efforts and cannot enter into payments arrangements. Any communication you may have had regarding a
settlement was with the current owner and not CFC. Please contact UDH at *** for payment arrangements.Sincerely,*** ***
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According to our records, the application and corresponding inquiry are validAfter submitting an online application for the Reflex MasterCard, you sent in verification documentation, and then confirmed that you were still interested in applying for the card when our representative contacted you on August 16, 2017. As explained in our prior response, at the time your application is processed, we are granted permission to perform a hard credit inquiry. We are only able to remove an inquiry where there is clear evidence that the inquiry was obtained without consumer consent.If you have evidence showing that you were the victim of identity theft, please submit that documentation to us via mail to P.OBox Buffalo, New York or by fax to *** *** for further review

Our records indicate that your account was opened on July 15, and during the application process you opted not to enroll into the Credit Protection PlanOn November 14, 2014, you contacted our Customer Service Department and stated that you were unemployedYou requested to enroll into the
Credit Protection Plan at that timeWhen you contacted the Credit Protection Department, you did not state that you were already unemployed and requested to enroll into the programThey attempted to enroll the account, which was rejected since you failed to make your payment due of $prior to the payment due date of November 14, All subsequent attempts to enroll have rejected due to the account is not in good standingPlease be advised that enrollment into plan does not cover pre-existing conditionsSince your date of unemployment would be prior to your enrollment, and since the terms of the plan require that you are enrolled for days prior to the date of unemployment, we regret that you are not eligible for protection since you werenot enrolled prior to your unemployment date. Once your account has bene brought to a current standing, you may enroll into the credit protection plan for any future covered events

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Your account has been assessed Late Fees due to the multiple returned payments on the account and your failure to bring the account to a current statusPer the "Notice of Conversion" mailed to you in October, you would be required to go to the website of matrixcardinfo.com, the
same site used for the Matrix Discover cards, and register your new Matrix MasterCard so that you can access your account online and make payments. Additionally, on January 10, 2014, our representative provided your account with a one time courtesy adjustment of the $Late Fee. In error, on February 17, 2014, another rep provided you with a refund of this same Late Fee, as well as, a refund of the $Returned Payment Fee. Therefore, we find that you have erroneously been provided with a refund of a fee that had already been reversed and we will be debiting your account for this erroneous refund.
We further find that your charging privileges were revoked due to the mulitple returned payemnts and you were required to replace the last returned payemnt of $via guaranteed funds from a money order, money gram or quick collect. Our records show that on 2/23/14, we received a personal check payment of $45.00. If this payment clears, we will reinstate your charging privileges, as a courtesy. However, if this, or any future payments, are returned you will be required to pay the balance in full using guaranteed funds prior to the reinstatement of charging privileges
We trust that our response to this matter will be met with your satisfaction
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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowWhile I understand there point of view from a business aspect, I still would like to make the Better Business Borough notified of how they do business which I feel is unprofessional, and unsatisfactoryWhile I still will proceed through the Consumer Finance for the financial aspect, I still feel that the Revdex.com should look into their business

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When your September 10, monthly billing statement generated, you had a balance of $You made a $payment and a $payment which brought you to a residual balance of $When your October 10, monthly billing statement generated, you were assessed the
$Monthly Maintenance FeeAs stated in our previous responses to your concerns filed, this fee will be assessed each month until the balance is paid in fullTherefore, your balance is $Please submit payment in full prior to your next cycle date of November 10, to avoid the further assessment of the $fee
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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Good morning ***
In regards to my case. Continental finance llc charged back my fraudulent charges, but the more serious issue is they reported to all credit bureaus that I was over my limitIn turn my credit score dropped dramaticallyI have tried many, many times to talk to someone at continentalNo one cares , I've talked to everyone ....twiceAll I want them to do is report to credit agencies that my "over the limit" report was mistaken, the credit card was stolen and I was told not to payIn other words I've asked them to do the right thing
***I have worked very hard on my creditI'm trying to buy a houseMy credit score dropped over pointsLexe I'm not asking continental for the cure for cancer, just report fairly and accuratelyIf I could have resolved this by myself I would have never bothered you *** *** *** *** *** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
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Revdex.com:
line-height: 150%;">I have reviewed the response made by the business in reference to complaint ID ***, 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,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me as long as they follow through on the refund.
Regards,

The attached was mailed in response to the concern by Mr***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
First, in regards to the statement, it does NOT produce the same information (In fact it has blank pages.)Moreover, now that my account is closed I am BLOCKED from online access and they will not send a paper statement unless I pay They seem to want a fee either way I should be entitled to a free copy of my statement (either online or via paper) and since they refuse to let me see it online, then it should be via paper
I still have NOT received the affidavit, even though I have repeatedly asked for one Moreover, I told the person on the phone that there maybe activity I did not make but since they use an off shore company, they may not have understood It seems that they are clearly running the clock to avoid helping me with this matter They also only provide a generic 800# which cannot access any information unless I call from my home phone
Please send the affidavit and statement I do not think that this is too much to ask for

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
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Revdex.com:
"line-height: 150%;">I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Your company is a rip and you all are liarsThat is not my credit score, I have a copy of my credit score I will be getting a lawyer and suing this companyEverything you put in that letter is not in my contractI sent a check to cover the balance nd they keep they having got it but thats a lie because the money was taking out of my checking account

Ms***,Our records indicate that the $payment that posted to your account was made via the Internet payment option. This payment was processed after you had logged into your account using your secure login and password and had set up payments to be made to your Verve card.
Therefore, any payment made via the Internet payment option must be considered as a valid payment since this payment method is Customer initiated and CFC had no participation in that payment. We find that this payment was returned as unauthorized. Furthermore, to address the $payment that was posted as a$35.00, we find that on September 16, 2015, this payment was corrected to the amount of $200.00. As a courtesy, we have provided your account with a prorated Annual Fee refund of $72.91.Sincerely,Vice PresidentCustomer Relations

Ms***,When you contacted our Customer Service Department, you were advised that you had a PAST DUE amount of $with a total required payment due of $305.00. By paying the $235.00, you satisfied the past due portion of your total required payment due; however, this did not
satisfy, nor were you informed that it would satisfy, the total required payment due. Therefore, you currently have a payment due of $140.00, which is derived from the residual $payment due, the current $payment due and the $Late Fee. To avoid any further assessment of Late Fees, please remit your TOTAL REQUIRED payment due of $by the payment due date of March 27, 2015.***
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The attached was mailed to this consumer today

Our records indicate that we received a call from you on February 7, and stated that you had lost your wallet. You were provided with the phone number for Lost/Stolen. Our records further show that on this date a representative from the FDR Lost/Stolen department closed your account
and established a new account number for you. According to the memos by the fraud representative, they state you had indicated there was no suspected fraud on your account. Therefore, when your new account number was established, the full balance form the former card was transferred. If you find that there are fraudulent charges on your account, please contact the Lost/Stolen Department at 800-556-and they will send you an affidavit of fraud. Please complete the affidavit in full and send back to their office within the timeframe specified in their letter so that they may begin your dispute of these charges. Please note that CFC does not handle disputes of transactions or Lost/Stolen/fraud reports. This function is completed by FDR, our data processor
With respect to your concern over the Annual Fee, we find that you cancelled your account within days of the billing of this fee and your account has been provided a refund of the $Fee
With respect to your concern over the omission of the dispute provisions, we find that the online account access provides our cardholders with a PDF version of the exact statement that would be mailed in paper form. Therefore, if you are experiencing any issues with the viewing of your statements in the appropriate format using Internet Explorer, please attempt to view using a different web browser, such as Firefox or Google Chrome. If you are having difficulty viewing through Firefox or Google Chrome, please try using Internet Explorer.
We trust that our response to the matter will be met with your satisfaction
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Our records show that payments had been made on the Unemployment claim; however, due to non-receipt of required documentation to continue the claim, the claim was closed on December 30, The Late Fee and account delinquency was removed and your account is open, active and currentTo process
a continuation of the claim, please contact the Credit Protection Department and provide all required documentation.Sincerely,*** ***
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THE ATTACHED WAS MAILED IN RSPONSE TO THIS CONCERN