Continental Finance Company

Ms***,Our records indicate that this matter was corrected when the Accounting Department posted the misapplied payment to your account and backdated the payment to the original receipt date to correct any Late Fee and Interest Charges. It was furthter found that your account was
provided three $Late Fee reversals when only one $Late Fee was assessed. Your account has been debited for the $erroneous credits. Your account is current with a $Payment due on August 20, 2015.***
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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 belowAnd as I stated to them I am POA over the account holder so it NOT going to affect him and they can talk to me about it because he did for over an hr when I called which orginated this complaint And attached is the POA papers since the guy oh so nicely said "oh you got proof" well yea I do

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We have reviewed your account and find that you did make a good faith effort to make a payment for the following billing cycle. We have provided your account with a refund of two $Late Fees. We have also adjusted your total payment due to $35.00, as a
courtesy. Your account was closed, per your request, on February 6, 2014. in accordance with the Terms & Conditions of this account fees and finance charges will continue to be assessed until the balance has been paid in full. Your balance, as of the date of this response, is $305.66. Your next payment due date is March 28, 2014, with a total required payment due of $35.00. Payments can be made online, over the phone with our representatives using the Western Union Speedpay option (fee applies) or via mail to: Continental Finance Company, PO Box 105125, Atlanta, GA 30348-5125. Please include your full digit MasterCard account number on your payment
We trust that our response to this matter will be met with your satisfaction
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This is an attempt to collect a debt and any information obtained will be used for that purpose

We regret that we cannot honor your request. We again state that we have a legal obligation to accurately report the payment history of your account. Since no error was made in the reporting of the day delinquency, we cannot remove this reporting

Ms*** has also submitted this concern via the CFPB, a regulatory agency. therefore, our response to this matter will be sent via that agency

Our research indicates that we have not solicited Mr*** for a credit card through the direct channel nor have we received an application from Mr*** from any source. In addition, Continental Finance does not share any customer information with any of our affiliates for marketing purposes
per our Privacy Policy. Per MrLaw’s request we have added him to our opt-out database to ensure he does not receive any solicitations from us in the future

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
I would like an additional credited to my account. Once I receive the mailed statements that I requested on different occasions and I never recieved them ,I will gladly make my monthly payments on time without being charged a fee to pay over the phone Plus your customer service people were very unprofessional and one female was extremely rude ( sorry lost her name I had written down during my move). I was told by the gentleman the last time made a payment he assured me I would receive a paper statemnt it never cameI no longer have this credit card nor do I have the digit number to it

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
1) I do not have a verve mastercard and never had with this bank2) I was told directly by their customer service that the payment was rejected because they do not accept American ExpressThe payment did not ever process because their bank does not accept American ExpressIt could not have been due to a bad CVVbecause I linked the bank account to the payment not a cardClearly this just a quick response and they didn't bother to even look at my account or their recorded conversations I was also never notified by them that the payment did not go throughWhen they called me about the payment I told them I made one on December 25th and they said oh okay I see the payment and that was thatI had to contact them when I realized almost weeks later that the money never came out of my accountThis bank simply did not do their job and allowed me to link a bank account they knew they did not accept and allowed me to process a payment from that accountThe payment then rejected because they do not accept that bankIt has absolutely nothing to do with American Express or their cardAmerican Express told me they never even received an attempt to withdraw the money and they had no rejections on their side.
Regards,

I never, repeat NEVER used this card before and still have a monthly maintenance fee I knew nothing of and never receive a statement which I did not question since I did not use the cardI just receive a statement via email and notice the card had this monthly maintenance fee and a $late fees added so basically the card activity for months was just fee'sI 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 $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 forTerrible

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:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI accept the removal of the unauthorized inquiry despite what information the
company allegedly has
Regards,
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As indicated on our response, we find no evidence to substantiate your allegation of the applications being submitted fraudulently. TransUnion will not remove an inquiry unless the inquiry has been confirmed as fraudulent. Therefore, if you believe, after reviewing the evidence that was provided, that you did not apply using your personal information, please contact your local police department to open an identity theft case. The case will need to indicate that they are actively investigating your fraud allegation dnt hat you are willing to press charges against anyone found guilty of using your personal information in an attempt to obtain credit

Mr*** also submitted this concern to the CFPB. Attached is the response to his concern

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Per the included receipt, we refunded your $Security Deposit on January 17, back to your card ending in 2004. This receipt clearly indicates that the transaction was “settled” to your financial institution and, therefore, CFC no longer has the
funds. If your account ending in is no longer open, please provide your financial institution with a copy of the included receipt so that they may research and locate the funds. Your financial institution has not returned the funds to CFC and is responsible for providing you with the refund of the $300.00. CFC cannot assist with this transaction because we have already sent the fund to your financial institution and they are withholding the funds
Sincerely,
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Your account was closed, per your request, on December 5, Since the account was closed within days of the billing of the Annual Fee, in accordance with the Terms & conditions of this card the fee has been reversedYou will be sent a refund of the $overpayment on the
account within business days

*** ***,
Our records indicate that you were solicited for the Continental Finance Verve credit card. As indicated on the enclosed sample of this solicitation, the Terms & Conditions clearly indicate that the $Annual Fee is assessed before you begin using your
card and that your initial available credit would be $375.00. Additionally, when you submitted your application via the internet, the Terms & Conditions were required to be read and accepted prior to submission of the application. You had agreed to the Terms at the time of the submission of your application for credit. Furthermore, when you contacted our Activation Department on May 16, 2014, you were verbally disclosed the fee structure of this card and advised that the Annual Fee was assessed to the card. You stated that you had previously spoken with representatives who informed you that the fee was not billed until after the first year. Our Activation Representative advised you that this was not correct and that the fee is assessed immediately. You were also informed that your request for a reversal of this fee could only be honored if you elected not to activate and use the card. You elected to activate the card and, therefore, the card was activated on this date. You then used the card for purchases, which indicates your acceptance to the Terms & Conditions of this card
In summary, we find that this fee was assessed in accordance with the Terms & Conditions of this card, which were disclosed to you in the solicitation, during the application process and verbally by our Activation Representative. Therefore, we regret that your request for a refund of this fee cannot be honored
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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
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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 mailThat's the interesting thing about this because, that's the kind of service I continued to receive after I honored part of the agreement.
I 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!

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
The company has responded that it received applications for credit using my personal information While that may be the case, those applications were not made by me That is the whole pointFurthermore, the point of my complaint was that the applications never should have been allowed to go through without a request for additional information from me, because there was a fraud flag on my account Indeed, the company itself sent me PDFs showing that these applications were not allowed to go through because of the fraud flag The company doesn't address those in its cover letter, however Instead, it says that the applications required additional information, which was requested from me and not provided, and therefore the applications were turned down Yup, additional information was not provided by me, because THE APPLICATIONS WERE NOT FROM ME That is precisely the reason why they should not remain on my credit report When the company did not receive from me the identifying information it requested, it should have concluded the applications were fraud and removed the applications from my credit report If that weren't reason enough, the fact that I am telling the company now that the applications were not mine certainly should be
Regards,

Our records indicate that you applied for the Verve MasterCard on September 18, During the application process, you were required to read and accept the terms of the offerIn these terms it clearly disclosed that at the time of approval the account would be billed the $Annual Fee
In addition, you requested the addition of *** *** as an authorized userAs stated in the Terms, there would be a $fee billed upon approval for the Authorized UserTherefore, when your account was opened on September 19, 2014, you had a balance of $On September 30, 2014, *** *** contacted our activation department and expressed concern over the wait time for activationSince she was not calling from one of the numbers listed on the account, she was connected with a representative who informed her that only the primary cardholder may activate the cardOn October 2, you contacted our Customer Service Department and stated that you are experiencing difficulty activating the card through the activation phone lineIt was requested that you make another attempt to contact CFC if you still have issues activating*** *** contacted the Customer Service Department later that same day and stated she could not activateShe was again informed that the primary cardholder must activate the accountShe also stated that she no longer wanted the cardSince we can only process account closures for the primary cardholder, the account is still openPer your request, we have closed your account as of today, October 29, As stated in the Terms & Condition’s, accounts that are not activated and/or used for purchases within the first days will be closed and the balance removedTherefore, you have no financial obligation on this debt
We trust that our response will be met with your satisfaction
Sincerely,
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Our records indicate that the $payment processed via the Internet on March 26, 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 $Late Fee refund and adjusted the total now due to $($35 for the previous month and $for currentt) You made the $payment on April 23, 2015 bringing the account to a current status. Therefore, no further action is required